Karen Dunphy is a financial advisor at Morgan Stanley with 25 years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley since 2015. The firm offers a wide range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by structured discovery conversations and firm-approved planning tools. Morgan Stanley Wealth Management manages approximately $2.74 trillion in client assets and delivers services that include both direct individual plans and Corporate Financial Planning agreements.

Tonu Viitas is a financial advisor with OSAIC and holds Series 63 and Series 65 designations, bringing 23 years of industry experience. He has worked at Sagepoint Financial, Inc. since 2009 and joined OSAIC in 2023. Outside of advisory work, he serves as the treasurer for the Estonian Society of San Francisco, a nonprofit organization supporting the Estonian community in the Bay Area. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charities through a large network of affiliated advisors and multiple advisory platforms. The firm offers comprehensive brokerage and investment advisory services, employing asset-allocation tools, risk-tolerance assessments, and automated rebalancing to manage portfolios that include a range of securities and alternative investments.

Barbara Jolliffe is a CFP®-certified financial advisor with 45 years of industry experience. She is currently affiliated with OSAIC and has held prior roles at Securities America Advisors, National Planning Corporation, and Royal Alliance Associates. Outside of her advisory work, she is involved in tax preparation and consulting through Jolliffe Enterprises. OSAIC serves a wide range of retail and institutional clients, including high-net-worth individuals, pension plans, corporations, and charities, offering integrated brokerage, advisory services, and access to third-party money managers. The firm employs a variety of asset-allocation tools and manages portfolios across multiple asset classes on both discretionary and non-discretionary bases.

Aaron Hudson is a Wealth Management Advisor with Merrill Lynch Wealth Management. He focuses on assisting corporate executives with strategies for concentrated stock positions, restricted stock transactions, and liquidity events. Aaron also works with non-profit organizations and families, offering tailored wealth management strategies that align with specific client objectives. Before joining Merrill Lynch Wealth Management in 2019, Aaron worked as a client service associate at Morgan Stanley. His professional approach emphasizes attentive and accessible service, aiming to build long-lasting client relationships through careful listening and understanding of each client's financial goals. His areas of focus include corporate executive services, divorce transition planning, executive compensation, equity compensation services, services for endowments, foundations, and non-profits, investment consulting for defined contribution plans, sports and entertainment, and tax minimization. Aaron earned a Bachelor's Degree from the University of California system and completed an Accredited Certificate Program from the American College of Financial Services. He has professional designations including Chartered Financial Consultant (ChFC), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Outside of work, Aaron enjoys baseball, basketball, boxing, football, golfing, music, photography, and spending time with his family.

Nicole Lai is a financial advisor at Morgan Stanley Wealth Management in Orinda, California, holding a Series 66 designation with 14 years of industry experience. She has worked at Morgan Stanley since 2016 and previously at UBS. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a variety of advisory programs to both individual and institutional clients. The firm provides tailored financial planning and manages approximately $2.74 trillion in client assets through structured planning processes and broad retail and institutional services.

Spencer Ziemer is a financial advisor at Merrill with a Series 66 credential and one year of industry experience. His prior work includes roles at Bank of America, Exchange Bank, and various soccer organizations, as well as ownership of Spencersells LLC, where he sources and sells vintage items online. Merrill, together 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, pension plans, corporations, and charitable organizations.

Patrick Sinclair is a financial advisor at Stifel with 45 years of industry experience. He has been with Stifel Nicolaus & Co. Inc. since 2009. Sinclair holds the Series 63 and Series 65 designations and is based in Walnut Creek, California. Stifel serves a broad range of clients including individuals, institutional investors, charitable organizations, and municipal entities, offering brokerage and investment advisory services supported by proprietary investment analysis and allocation methodologies developed by its Investment Strategy Group.

Robert Warren is a financial advisor at UBS Financial Services with four years of industry experience. He previously worked at Passport Capital and Coastland Capital. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management through proprietary research and model-based asset allocations.

Robert Knoll Jr. is a financial advisor at Equitable Advisors in Walnut Creek, CA, holding Series 65 and Series 63 credentials with three years of industry experience. His prior roles include positions at Northwestern Mutual and Morgan Stanley, as well as experience in the restaurant industry. He serves as a board member of the University of Oregon Alumni Association. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, institutions, and charitable organizations. The firm’s approach involves matching clients to model portfolios or discretionary managers through both proprietary and third-party programs, offering a range of investment options including mutual funds, ETFs, and select alternative investments.

Michael Khaw is a Wealth Management Advisor at Merrill Lynch Wealth Management with 23 years of experience in wealth planning. He assists clients with wealth accumulation and distribution, focusing on tax efficiency to enhance return on investments. His areas of expertise include family wealth management strategies, liquidity management, managing new wealth, personal retirement planning, portfolio management services, socially responsible and ESG investing, tax minimization, and retirement income. Michael holds a Bachelor of Science degree from San Diego State University, where he majored in Biology and minored in Finance. He is a Chartered Financial Analyst® (CFA) charterholder and a CERTIFIED FINANCIAL PLANNER® (CFP) professional. He is also a Personal Investment Advisor (PIA). Michael has been married for 28 years to his wife Jennifer, who holds a PhD in Clinical Social Work and is an adjunct professor. They have two daughters, Lauryn, who began attending Duke Law in Fall 2022, and Jessica, who is a sophomore at the University of California, Santa Barbara. Michael and his wife are adjusting to life as empty nesters and enjoy traveling. He also has personal interests in biking, billiards, chess, hiking, racquetball, woodworking, yoga, and recently started playing pickleball and bocce.

Travis Tam is a CFP® professional with 21 years of industry experience, currently affiliated with Wells Fargo Clearing since 2016. He previously worked at Wells Fargo Advisors LLC. Travis is based in Walnut Creek, CA. 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 and provides both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Colin Sneddon is a financial advisor at Merrill holding the Series 66 designation. He has one year of industry experience, with prior roles at Bank of America, Provident Credit Union, and involvement in community and sports organizations such as Marin Soccer Camps and Michigan Stars Football Club. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension plans, corporations, and charitable organizations using model-based and discretionary strategies developed by internal and third-party managers.

Jing Yang Guo is a financial advisor at Charles Schwab with 21 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at Charles Schwab and Charles Schwab Bank since 2010. Outside of his advisory role, he owns a rental property in Peoria, Arizona. 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 advisory relationships with access to discretionary separately managed accounts, offering multi-asset model portfolios alongside alternative investment options.

Mick Rognlien has served as a Wealth Management Advisor at Merrill Lynch Wealth Management in Walnut Creek, California since 2011. In this role, he focuses on collaborating with individuals and families who are growing their wealth and managing demanding careers. Mick assists clients in achieving their financial goals through transparent and purposeful communication, offering services such as personal retirement planning, portfolio management, and tax minimization. Mick began his career in Financial Services in 1998. He holds the CERTIFIED FINANCIAL PLANNER (CFP) designation, the Chartered Retirement Planning Counselor (CRPC) credential, and is a Personal Investment Advisor (PIA). He earned a Bachelor's degree from San Diego State University and a Master's degree from Saint Mary's College of California. Outside of his professional work, Mick is involved in youth coaching and engages in various outdoor activities including biking, hiking, and adventure sports. He resides in the East Bay with his wife and two sons.

Kent Matson is a Wealth Management Advisor with Merrill Lynch Wealth Management, providing tailored wealth management services to individuals, families, and companies. He leverages Merrill's resources to develop personalized financial strategies that consider each client's risk tolerance, time horizon, liquidity needs, and overall investment goals. Kent's services include retirement planning, executive compensation strategies, stock option management, college savings, estate planning collaboration with attorneys and CPAs, liability management, and coordinating risk management strategies involving life and long-term care insurance. Kent has been with Merrill since 2010, following a tenure as a financial advisor at Axa Advisors where he specialized in qualified retirement plans (401k/403b). He holds the CERTIFIED FINANCIAL PLANNER® (CFP) designation awarded by the Certified Financial Planner Board of Standards, Inc., as well as the Chartered Retirement Planning Counselor™ (CRPC) designation from The College for Financial Planning Institutes Corp. Additionally, he has earned the Personal Investment Advisor (PIA) designation. Kent earned his bachelor's degree from San Francisco State University. In addition to his professional work, Kent is committed to community involvement, reflecting Merrill’s tradition of supporting the communities it serves. His personal interests include adventure sports, biking, billiards, chess, cooking, and music.

Benjamin Hearnsberger is a CFP® with 18 years of industry experience. He is currently with Wells Fargo Clearing, where he has worked since 2026, and has prior experience at Bank of America, Merrill, and Destinational Wealth Management. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and wrap-fee programs. The firm manages approximately $671 billion in assets and offers brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party databases.

Marc Larhette is a CFP®-certified financial advisor with 36 years of industry experience. He currently works at OSAIC and previously spent 17 years at Woodbury Financial. Larhette is involved in employee benefits education as Chair of the Education Committee for the International Society of Certified Employee Benefits and serves as an officer and part-owner of BAMCO Financial and Insurance Services, a company providing employee benefit services. OSAIC serves a broad range of retail and institutional clients through an extensive network of affiliated advisers, offering integrated brokerage and advisory services, financial planning, retirement consulting, and access to various managed account solutions. The firm employs diversified portfolio construction tools and supports multiple platform transitions and third-party services.

Zachary Blumenthal is a CFP®-certified financial advisor with eight years of industry experience. He is currently with Fidelity and has previously worked at Charles Schwab, TD Ameritrade, Citigroup, and Wells Fargo. Outside of his advisory work, he has worked as an Uber Eats delivery driver. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, offering discretionary and non-discretionary portfolio management, fund advisory, and model portfolio delivery. The firm utilizes proprietary fundamental research combined with quantitative and algorithmic methods in its investment process.

Nancy Vonhof is a financial advisor at Morgan Stanley with 40 years of industry experience. She has been with Morgan Stanley since 2009 and holds the Series 63 designation. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools such as Secular Return Estimates and Monte Carlo simulations to assist in financial decision-making.

Sam Chouli is a financial advisor at J.P. Morgan Securities with two years of industry experience. He holds a Series 66 designation and has worked at several firms, including Edward Jones and Feedzai, before joining J.P. Morgan. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework. The firm offers these services on a non-discretionary basis through a select group of Wealth Advisors.