Gregory Lee is a CFP®-certified financial advisor with Charles Schwab, holding a Series 66 license and two years of industry experience. His prior work includes roles at Charles Schwab Bank SSB, BioMarin Pharmaceutical Inc., and Beacon Pointe Advisors. He also has experience working at the University of San Francisco and the Chinatown YMCA. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of non-discretionary and discretionary investment management with integrated brokerage and custody services.

Edwin Ngai is a financial advisor with Charles Schwab in Oakland, CA, holding Series 63 and Series 66 licenses with 29 years of industry experience. He has been with Charles Schwab since 1997. 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 combines non-discretionary client advisory with access to discretionary separately managed accounts, offering multi-asset model portfolios and alternative investment options supported by Schwab Center for Financial Research.

Jennifer Dailey is a financial advisor with Equitable Advisors in San Francisco, CA, holding Series 63 and Series 66 licenses and 23 years of industry experience. She has been with Equitable Advisors and its predecessor, Axa Advisors, since 2005. Dailey serves on the Board of Directors at the San Francisco Yacht Club. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients. The firm employs a range of advisory models and works with third-party asset managers, emphasizing personalized client assessment and varied investment solutions.

Erin Ackenheil is a financial advisor with Ameriprise in Novato, CA, holding a Series 66 designation and one year of industry experience. She has concurrently worked at Black Point Insurance since 2016. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendation reports and ongoing annual retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Steven Gold is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and 34 years of industry experience. He has worked at Western International Securities, Inc. since 2010 and has been involved with the David Gold Foundation since 1994. Outside of advising, Gold owns a business called T/O Devices and serves as president of Sustainable Grant Making Partners, a foundation based in Tiburon, CA. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations nationwide. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by research from internal and third-party sources.

Thomas Davis is a financial advisor with LPL Financial in Novato, CA, holding Series 63 and Series 65 credentials and bringing 22 years of industry experience. He has been with LPL Financial and its predecessor firms since 2001. Outside of advisory activities, he operates as an independent insurance agent selling fixed insurance products. LPL Financial serves 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 plan consulting, and brokerage services, providing both discretionary and non-discretionary management supported by research and model portfolios.

Daniel Beck is a financial advisor with Equitable Advisors, holding Series 65 and Series 66 licenses and has 13 years of industry experience. He has worked at Equitable Advisors since 2016 and previously at Axa-Advisors and Beck Investment Partners, LLC. His outside activities include membership in ProVisors, trusteeship roles within his family, co-authoring a book, and taking standup comedy classes. Equitable Advisors serves a broad client base including individuals, retirement plans, corporations, and charitable organizations, offering financial planning, retirement consulting, and asset management through various programs and third-party advisory platforms.

Peter Hong is a CFP® with 31 years of industry experience, currently advising at Cetera in San Francisco, CA. He has worked at Cetera and East West Bank since 2018 and previously spent six years at CitiGroup. In addition to his advisory role, he supervises financial advisors and participates in recruiting at East West Bank. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a large network of independent advisors and features multiple program structures with discretionary and non-discretionary management options.

Sandy Magid is a financial advisor with Cetera, holding a Series 66 credential and bringing 27 years of industry experience. Prior to joining Cetera in 2025, he worked extensively with Avantax and maintained a longstanding role at Magid Accountancy Corporation, a CPA practice he has led since 2004. He is involved in various activities outside of direct advisory work, including serving as President and board member of the Marin County Estate Planning Council and holding trustee roles for multiple family trusts. Cetera Investment Advisers LLC serves a diverse client base including individual investors, employer-sponsored retirement plans, and institutional accounts. The firm offers a multi-manager platform with a range of portfolio management and financial planning services, supporting both discretionary and non-discretionary accounts.

James Gilmore is a financial advisor at Ameriprise with nine years of industry experience. His prior roles include positions at Janus Henderson Distributors US LLC, Janus Henderson Investors US LLC, Janus Distributors LLC, and Janus Management Holdings Corp. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service focused on retirement-income planning, providing written recommendation reports and ongoing advice based on investment research, algorithmic tools, and third-party data.

Pema Tenzin is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 10 years of industry experience. Pema has been with Wells Fargo Clearing since 2016 and previously worked with Wells Fargo Advisors LLC and Wells Fargo Bank, N.A. No additional outside activities are noted. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions. The firm’s approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Cynthia Morris is a financial advisor at Merrill with 17 years of industry experience. She holds the Series 65 and Series 63 licenses. Prior to joining Merrill and Bank of America in 2026, she worked at Litman Gregory Wealth Management, Sensiba San Filippo Financial Advisers, and Rand & Associates. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Egan Brown is a financial advisor with Morgan Stanley in Oakland, CA, holding a Series 66 credential and eight years of industry experience. He has worked with Morgan Stanley and its affiliated entities since 2017, following a year at H&R Block. Outside of advisory work, he is involved in managing real estate investment and property management activities in Oakland and San Antonio. Morgan Stanley Wealth Management provides a broad range of advisory and financial planning services to individual and institutional clients, utilizing structured planning tools and a variety of investment programs.

Barbara Heaton is a financial advisor at LPL Enterprise with 40 years of industry experience. She holds Series 65 and Series 63 licenses and has worked at Prudential Insurance Company of America since 1986. Outside of her advisory work, she is the owner of Floodwater Tavern, a sports bar in San Francisco. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers financial planning, consulting, access to model wealth portfolios, third-party asset management, and a range of brokerage and insurance products through an integrated platform.

Madeline Jay is a financial advisor at Cetera with 41 years of industry experience. She holds the ChFC® designation and Series 63 and 65 licenses. Her prior work includes seven years at VOYA Financial Advisors and over five years at Cetera Wealth Services before joining Cetera. In addition to advising, she operates as an independent insurance agent. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, corporate, charitable, and institutional clients through a nationwide network of over 10,000 advisors. The firm offers a range of portfolio management, financial planning, and retirement plan services, with access to multiple program platforms and third-party money managers.

Nolan Phillips is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and four years of industry experience. Prior to joining Wells Fargo in 2026, he worked at UBS Financial Services Inc. for six years and has also held positions at Amazon Inc. and Bank of Marin. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets, offers both brokerage and advisory solutions, and utilizes research from the Wells Fargo Investment Institute alongside third-party analytics.

John Macchi is a financial advisor with Morgan Stanley in Oakland, CA, holding a Series 63 designation and bringing 39 years of industry experience. He has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, and previously at Citigroup Global Markets since 1993. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and scenarios developed by its Global Investment Committee to support its advisory process.

Mei Lian is a Planning Consultant at Fidelity Investments, where she partners with individuals and families to develop financial plans aligned with their evolving goals. She focuses on educating and empowering clients to understand their full financial picture and make informed decisions to pursue their lifelong objectives. She has been with Fidelity Investments since 2024, serving initially as a Financial Representative, then as a Relationship Manager before assuming her current role in 2026. Prior to joining Fidelity Investments, Mei worked as a Private Client Banker at J.P. Morgan Chase from 2023 to 2024 and as an Appraisal Specialist at First Republic Bank from 2022 to 2023. Mei holds a California Insurance License. Outside of her professional work, she enjoys exploring food and traveling.

Stephanie Olson is a financial advisor at Cambridge Investment Research Advisors with 13 years of industry experience. She holds the Series 66 designation and previously worked at Morgan Stanley and Morgan Stanley Private Bank. Her professional activities include advisory roles connected to Green River Financial Services and Cambridge Investment Research. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, pension and profit-sharing plans, charitable organizations, trusts, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals with a range of portfolio management options and institutional features.

Mitchell Flores is a financial advisor with Fidelity Investments, holding a Series 66 designation and one year of industry experience. Prior to joining Fidelity, he held various roles including at FJC Management Inc and River Terrace Inn. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a broad client base, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios.