Xiaozhou Zheng is a financial advisor with LPL Enterprise in San Francisco, CA, holding Series 63 and Series 65 designations and seven years of industry experience. Prior to joining LPL Enterprise in 2024, Zheng worked at The Prudential Insurance Company of America and Pruco Securities, LLC. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering financial planning, advisory services, and access to model portfolios through both advisory and brokerage channels.

Crystal Dykstra is a CFP® with 19 years of industry experience, currently serving at Charles Schwab & Co., Inc. She has prior experience at Fidelity Investments and Charles Schwab Bank. 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 and discretionary investment options supported by multi-asset model portfolios and alternative investment research.

Thupten Namgyal is a financial advisor with OSAIC in Novato, CA, holding Series 63 and Series 66 designations and 17 years of industry experience. He spent 10 years at Woodbury Financial Services, Inc. before joining OSAIC in 2024. Osaic Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated advisory and brokerage services, utilizing asset-allocation tools and access to third-party money managers to construct portfolios across a variety of asset classes.

John Upcher is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. Prior to joining Fidelity Investments, he worked at Lucid Motors and Cartelligent. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including oversight of registered investment companies and an IRS-qualified Charitable Gift Fund. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios across a broad range of investment vehicles.

Shanna Bearden is a financial advisor with Morgan Stanley in Oakland, CA, holding a Series 66 designation and 18 years of industry experience. She has been with Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2013. Morgan Stanley Wealth Management provides advisory programs to both individual and institutional clients, offering structured financial planning supported by firm-approved tools and guidance from specialized groups such as the Estate Planning Strategies Group.

Jagmohan Singh is a financial advisor with Wells Fargo Clearing in Berkeley, CA, holding Series 63 and Series 65 credentials and having 11 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC and Wells Fargo Bank, N.A. since 2012. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering investment policy statement preparation, investment recommendations, performance reporting, participant education, and plan benchmarking. The firm’s IPS-driven advisory approach incorporates modern portfolio theory and includes unique offerings such as insurance-related vehicles and bank deposit sweep options within its investment menus.

Pauline Wong is a financial advisor at Morgan Stanley with 19 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009 and holds a Series 66 designation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and financial planning services supported by structured discovery processes and firm-approved tools.

Chadwick Clarke is a financial advisor at OSAIC with eight years of industry experience. He holds a Series 66 designation and has previously worked at Woodbury Financial Services Inc., Alvarado Financial Services, and Larkspur Financial Advisors. Additionally, he serves as President and CEO of Clarke Financial Consulting, which provides corporate group benefits including health, life, and disability policies. OSAIC serves a broad mix of retail and institutional clients through a large network of financial advisers and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, financial planning, and unified managed accounts, using a variety of asset-allocation tools and third-party solutions to construct diversified portfolios.

Jennifer Johnston is a financial advisor with Charles Schwab, holding Series 63, 65, and 66 licenses and bringing 32 years of industry experience. Her prior experience includes roles at TD Ameritrade, Valic Financial Advisors, Mcclurg Capital Corporation, and Banc of America Investment Services. 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 provides a combination of non-discretionary and discretionary investment options, supported by centralized custody, transaction, and advisory resources.

Henry Popko is a financial advisor with Merrill, holding a Series 66 designation and based in Corte Madera, CA. He has been with Merrill since 2025 and previously worked at Bank of America, N.A. and Redwood Credit Union. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies designed for individual, high-net-worth, pension, corporate, and charitable clients.

Steven Soja is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has worked at JPMorgan Chase Bank, NA, and First Republic Investment Management, Inc. Outside of his advisory role, Soja serves as Chair of the Investment Committee and board member for Family House Inc., a nonprofit providing housing to families seeking treatment at UCSF Children's Hospital. J.P. Morgan Securities LLC delivers institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a team of Wealth Advisors. The firm combines institutional advisory services with brokerage and investment management capabilities, operating with a centralized due-diligence framework that includes ESG eligibility processes.

Aminta Romero Dunkle is a financial advisor at Charles Schwab with nine years of industry experience. She holds Series 65 and Series 63 licenses and has worked at Charles Schwab Bank and Charles Schwab & Co., Inc. since 2017. Her prior experience includes roles at DZH Phillips, LLP and Allegory, Inc. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering both non-discretionary and discretionary investment management services supported by multi-asset model portfolios and alternative investment options.

Glenn Smith is a financial advisor with Charles Schwab, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He has been with Charles Schwab since 2007 and worked at Charles Schwab Investment Advisory, Inc. from 2020 to 2021. 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 and discretionary investment options, supported by multi-asset model portfolios and a centralized operational structure.

Michael Dolan is a financial advisor with Charles Schwab, holding Series 63 and Series 65 credentials and over 26 years of industry experience. He has worked at Lloyds of London and John Hancock as a principal since 2015 and has been affiliated with Charles Schwab & Co., Inc. since 2012. Dolan receives residuals from insurance policies sold prior to his time at Schwab. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated financial planning services, offering a combination of non-discretionary and discretionary investment solutions supported by comprehensive research and integrated operational infrastructure.

Nina Gabriel is a Wealth Management Advisor at Merrill Lynch Wealth Management, specializing in creating personalized financial strategies to help clients pursue their long-term goals. She works with a select group of families and businesses, focusing on areas such as education planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, socially responsible investing, women and wealth, individual and corporate investment strategy, tax minimization, and retirement income. Gabriel holds a Bachelor's degree from the University of California system and is a CERTIFIED FINANCIAL PLANNER® professional as well as a Personal Investment Advisor. She has been with Merrill since 1978, starting in the San Francisco branch office and later helping to open the Mill Valley branch in 1994. In 2020, she formed a partnership with Riley Gabriel-Lee. She resides in San Anselmo, Marin County, where she has lived since 1980. In addition to her professional work, Gabriel is involved in her community, volunteering with local organizations. Her personal interests include antiquing, gardening, hiking, traveling, watching movies, and spending time with her family.

Karen Jaber is a financial advisor at LPL Financial with 32 years of industry experience. She previously worked for Western International Securities, Inc. for 12 years before joining LPL Financial in 2025. Outside of her advisory role, she conducts seminars and workshops focused on successful aging. LPL Financial is a national investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Alexander Heckmann is a financial advisor at Stifel with four years of industry experience and holds a Series 66 designation. He has worked at Stifel since 2019, with a brief period of employment outside the financial industry including roles at Fisherman's Market and University of Oregon. Stifel serves a broad range of clients including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services that incorporate proprietary investment analysis and allocation methodologies developed by its Investment Strategy Group.

Mike Chang is a financial advisor with Charles Schwab, holding Series 63 and Series 66 licenses and 26 years of industry experience. He has been with Charles Schwab since 1999 and with Charles Schwab Bank since 2005. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment options, leveraging multi-asset model portfolios and centralized operational infrastructure.

Louis Bergamo is a CFP®-certified financial advisor with 32 years of experience, currently practicing at Cetera. His prior roles include positions at First Allied Advisory Services, Wells Fargo Advisors, and related firms. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to a range of program structures and third-party managers.

Nora Clifford is a Financial Consultant at Fidelity Investments, a position she has held since 2025. Prior to this role, she served as a Planning Consultant at Fidelity Investments from 2022 to 2025. She has experience in retirement services, having worked as a Retirement Services Specialist at ForUsAll from 2021 to 2022. Earlier in her career, she was a Financial Advisor at AXA Equitable (Stonebridge Financial Group) from 2019 to 2021 and a Certified Divorce Financial Analyst at Wellspring Divorce Advisors from 2015 to 2019. Throughout her career, Nora has focused on providing thoughtful guidance and developing holistic financial strategies. Her approach emphasizes listening to clients to understand their priorities, whether they are growing their wealth or preparing for retirement. She holds a California Insurance License.