Stephanie Shum is a financial advisor with LPL Financial in Burlingame, CA, holding CFP®, Series 66, and Series 63 credentials, with six years of industry experience. Prior to joining LPL Financial in 2025, she worked at Grove Point Advisors LLC and Grove Point Investments LLC from 2023 to 2025, and was self-employed from 2011 to 2018. LPL Financial serves a diverse range of clients including individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, utilizing model portfolios and research from various sources.

Edward Harris is a financial advisor with LPL Financial in San Leandro, CA, holding a Series 66 designation and 14 years of industry experience. He has been with LPL Financial since 2016 and also serves as a private banker in wealth management at Fremont Bank since 2015. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, retirement consulting, and brokerage services with access to model portfolios, third-party subadvisors, and technology-driven investment approaches.

Gareth Crossley is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he has been serving clients since 1998. He holds the CERTIFIED FINANCIAL PLANNER® designation awarded by the Certified Financial Planner Board of Standards, Inc., the Chartered Retirement Planning Counselor™ designation from the College for Financial Planning Institutes Corp., and the Wealth Management Advisor (WMA) title, which demonstrates his expertise in advanced wealth management strategies. Gareth is a graduate of the United States Naval Academy and served in the Marine Corps for seven years, leaving as a Captain. His areas of expertise include college education planning, executive compensation, family wealth management strategies, investment consulting for defined contribution plans, legacy planning, managing new wealth, personal retirement planning, and portfolio management services. He lives in Danville, CA, with his wife Tiffiny and son Tristan. Gareth and his family enjoy spending time outdoors and exploring different parts of the world.

Kara Chan is a financial advisor at Fidelity with one year of industry experience. She holds a Series 66 designation and has prior work experience in the biotechnology sector with firms such as Slingshot Biosciences and Twist Bioscience. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, offering discretionary and non-discretionary portfolio management as well as fund advisory services. The firm combines proprietary fundamental research with quantitative and algorithmic portfolio construction, and supports model portfolios built from mutual funds, ETFs, and ETPs.

Cristania Gourdet is a financial advisor with Edward Jones in San Leandro, CA, holding a Series 66 designation and seven years of industry experience. She previously worked at US Bank from 2015 to 2019 before joining Edward Jones in 2019. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs and investment strategies through a nationwide network of over 23,700 financial advisors.

Ashveen Goundar is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and four years of industry experience. He has worked at Wells Fargo Bank, N.A. since 2016 and has held positions at Jack in the Box and Nations Hamburger. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions supported by research from the Wells Fargo Investment Institute.

Ying Juan Xie is a Certified Financial Planner (CFP®) with 10 years of industry experience, currently serving as a financial advisor at Morgan Stanley since 2021. Her prior roles include positions at LPL Financial, HSBC Securities USA, Bank of the West, and BancWest Investment Services. Outside of financial advising, she is involved as an employee at Lao Lao Acupuncture Clinic in Milpitas, California. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a wide range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-sponsored financial planning services.

Charles Shreve III is a financial advisor with LPL Financial in Fremont, California, holding Series 63 and Series 66 credentials and 35 years of industry experience. He has worked at firms including Merrill and Bank of America, N.A. He is also involved in FB Investment Services, an affiliated business related to his LPL work. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients through a national network of representatives, offering a range of advisory programs, financial planning, and retirement consulting services.

Micah Johnson is a financial advisor with LPL Financial in Danville, CA, holding a Series 66 designation and three years of industry experience. Prior to joining LPL Financial, he worked at Empire Pavers and Empire Medical. Outside of his advisory role, he has involvement in a for-profit reseller business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm provides financial planning, various advisory programs, retirement plan consulting, and brokerage services with discretionary and non-discretionary management options supported by research and model portfolios.

Yanlin Yu is a financial advisor with Morgan Stanley in Burlingame, CA, holding Series 63 and Series 65 licenses and having nine years of industry experience. Prior to joining Morgan Stanley in 2021, Yanlin worked at CitiGroup from 2012 to 2021. Outside of advisory work, Yanlin is involved in providing in-home senior services. Morgan Stanley Wealth Management serves both individual and institutional clients by offering a range of advisory programs, including tailored financial planning. The firm employs structured discovery processes and advanced modeling tools to support clients, managing approximately $2.74 trillion in client assets.

Kuang Yang is a financial advisor at Charles Schwab with 23 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Charles Schwab and Charles Schwab Bank since 2014, based in San Mateo, CA. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary advisory relationships alongside access to discretionary separately managed accounts, supported by multi-asset model portfolios and proprietary research.

Michael Robarts is a financial advisor with Morgan Stanley in Oakland, CA, holding a Series 63 license and bringing 33 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2015 and at Morgan Stanley Smith Barney LLC since 2009. Outside of his advisory role, he is involved in commercial real estate as a sole proprietor and tenant in common owner in the San Francisco Bay Area. Morgan Stanley Wealth Management serves both individual and institutional clients by providing comprehensive financial planning and investment advisory services. The firm uses structured planning tools and investment insights from its Global Investment Committee to guide clients in developing tailored financial plans.

Thomas Kelly is a CFP® and ChFC® credentialed financial advisor with 34 years of industry experience. He is currently with Raymond James Financial Services Advisors, Inc. and previously worked at Edward Jones and Pacific Life. Outside of his advisory role, he is also involved as a musician in a band. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm employs analytical tools such as risk profiling and probability modeling to tailor non-discretionary planning and consulting to client goals.

Michael Oster is the Senior Resident Director and Wealth Management Advisor at Merrill Lynch in Oakland, where he has worked since 1993. He serves as the Resident Director of the Oakland office since May 2015. Michael focuses on serving high-net-worth individuals and families, as well as non-profit organizations, by providing personalized financial strategies tailored to their goals. He offers clients access to investment insights from Merrill Lynch and banking services from Bank of America, addressing areas such as asset allocation, education funding, retirement income planning, tax strategies, and estate planning. Michael is a qualified Portfolio Manager who manages personalized and defined investment strategies, which may include stocks, bonds, model portfolios, and third-party strategies incorporating equities, fixed income, alternative investments, and ETFs. He holds certifications including CERTIFIED FINANCIAL PLANNER (CFP®), Chartered Financial Consultant (ChFC®), and registrations such as Series 7, 63, and 65. He earned both a Bachelor's Degree and a Master's Degree in Finance from the California State University system. Living in Oakland with his family, Michael volunteers with the Boys & Girls Clubs of Oakland. His personal interests include golfing, reading, running, swimming, and traveling.

Leila Esmaili Zamora is a financial advisor at Morgan Stanley with one year of industry experience. She holds a Series 66 designation and has worked in various roles including positions at Morgan Stanley Private Bank, LinkedIn, and several consulting and community organizations. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutions, combining tailored financial planning with access to extensive investment resources and research.

Richard Diregolo II is a financial advisor with LPL Financial in San Mateo, CA, holding a Series 66 credential and 18 years of industry experience. Prior to joining LPL Financial in 2020, he worked with Securian Financial Services, SGC Financial & Insurance Services, and Minnesota Life Insurance Company over a 13-year period. LPL Financial is an SEC-registered adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement consulting, and brokerage services, supported by research, model portfolios, and various management strategies.

Steven Moone is a financial advisor at J.P. Morgan Securities with six years of industry experience. He holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2018. Prior to his finance career, he was involved with Flow Studios from 2016 to 2018. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm delivers these services on a non-discretionary basis, combining large institutional advisory operations with broker-dealer and investment adviser registrations.

Timothy Score is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he has worked since 1994. In his role, he focuses on assisting clients with a broad range of financial planning needs, including college education planning, family wealth management strategies, legacy planning, retirement income, and portfolio management services. He also serves as the Syndicate Coordinator in the office, a position he has held since 2009. Tim earned both his Bachelor of Science degree in Accounting and his Master of Business Administration from Southern Oregon University. He obtained the CERTIFIED FINANCIAL PLANNER® (CFP) certification in 2004 and completed the Merrill Lynch Wealth Management Longevity Training Program at the University of Southern California Davis School of Gerontology in 2015. Timothy has contributed to the development of new advisors through his mentorship in the Professional Development Program. His professional designations include CFP and Personal Investment Advisor (PIA). Outside of his professional duties, Timothy is actively involved in his community and enjoys spending time with his family. He has coached youth sports and volunteered extensively at swim meets. His personal interests include baseball, genealogy, golfing, music, reading, table tennis, traveling, and attending events involving his grandchildren.

Josh Grassel is a Vice President, Financial Consultant at Fidelity Investments. In this role, he partners with high net worth clients and their families to work towards achieving their financial goals. He helps clients develop, maintain, and update their financial plans as their needs and objectives change over time. Josh has been with Fidelity Investments since 2015, progressing from Investment Consultant to Financial Consultant, and currently serving as Vice President, Financial Consultant since 2023. Prior to Fidelity, he worked as a Financial Advisor at Ameriprise from 2013 to 2014, and held positions at Citibank as a Personal Banker and Financial Associate between 2011 and 2013. He holds a California Insurance License.

Naushaba Rashid is a CFP® professional with 34 years of industry experience, currently serving at Wells Fargo Clearing since 2016. She previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and rooted in modern portfolio theory, with an emphasis on fiduciary responsibility and a broader range of financial product offerings including insurance-related vehicles and bank deposit sweep options.