Corinna Lam is a financial advisor with Charles Schwab in Oakland, CA, holding Series 63 and Series 66 licenses and 26 years of industry experience. She has been with Charles Schwab since 1999 and Charles Schwab Bank since 2005. Outside of her advisory role, Lam is involved in real estate property management as a landlord in multiple locations. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth clients through its Schwab Wealth Advisory program, offering a mix of non-discretionary and discretionary investment management supported by multi-asset model portfolios and alternative investment options.

Esteban Zuno is a financial advisor at LPL Financial with 19 years of industry experience. He holds a Series 66 designation and has worked at firms including U.S. Bancorp Investments, Inc. and Chase Investment Services Corp. Zuno is also associated with Redwood Credit Union. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions through a large network of investment adviser representatives. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms.

David Tucker IV is a financial advisor at RBC Capital Markets in Walnut Creek, CA, holding Series 63 and Series 65 licenses with one year of industry experience. He previously worked at City National Bank and has a background that includes education at the University of Oregon. RBC Wealth Management, a division of RBC Capital Markets, serves individual and institutional clients through various advisory programs offering portfolio management, financial planning, custody, and brokerage services. The firm employs tailored investment strategies implemented via a mix of in-house and third-party managers, supporting both discretionary and non-discretionary accounts.

Thomas Nohr is a CFP® with 40 years of industry experience currently affiliated with Cambridge Investment Research Advisors. His prior experience includes roles at National Planning Corporation and VOYA Financial Advisors, and he has operated multiple business ventures such as Sonoma Travel Service and Wymac Capital Inc. He has also been involved in financial education workshops through Successful Financial Education. Cambridge Investment Research Advisors serves individual and institutional clients, including pension and charitable organizations, by providing financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm offers access to multiple platforms and custodians, proprietary model strategies, and both discretionary and non-discretionary management options.

Michael Dooher is a financial advisor with Equitable Advisors, holding a Series 66 designation and 18 years of industry experience. He has worked with Equitable Advisors since 2009 and was previously associated with Axa Advisors, LLC. Outside of his advisory role, he serves as an administrator of a personal trust. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and asset management programs. The firm’s approach involves assessing client information and risk tolerance to match clients with program models or discretionary managers, utilizing both proprietary and third-party asset management solutions.

Michael Cawthon is a financial advisor at Morgan Stanley with eight years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley since 2023, following prior roles at Bank of America, Merrill, Mass Mutual Investors Services, and Insight Wealth Strategies. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and services that include the use of scenario modeling and a structured discovery process.

Ned Milin is a financial advisor with Morgan Stanley in Orinda, CA, holding Series 63 and Series 66 licenses with 22 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory role, he serves as a football coach at De La Salle High School. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and data-driven modeling techniques.

Derek Bystrom is a CFP® professional with 27 years of industry experience, currently serving at Charles Schwab in Pleasanton, CA. He has been with Charles Schwab since 1999 and with Charles Schwab Bank since 2005. His credentials also include Series 63 and Series 65 licenses. 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 advisory relationships and access to discretionary separately managed accounts, utilizing multi-asset model portfolios and a formal alternative-investment due diligence process.

Arlene Menicucci is a financial advisor with LPL Financial, holding Series 65 and Series 63 licenses and bringing 14 years of industry experience. Her prior roles include positions at BMO Bank NA, U.S. Bancorp Advisors, U.S. Bank, and Unionbanc Investment Services. Based in Lafayette, CA, she has worked in both investment advisory and banking capacities throughout her career. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting advisors with research tools and diverse investment strategies.

Craig Bacharach is a financial advisor at Wells Fargo Advisors with over 41 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Wells Fargo Clearing and Prudential Equity Group, LLC. Bacharach serves as a trustee for multiple family trusts. Wells Fargo Advisors Financial Network provides investment and financial planning services to individuals, trusts, and institutional clients, offering a broad range of planning solutions including retirement, education, risk, and wealth-transfer planning. The firm supports tailored recommendations through research and planning tools, with optional implementation via brokerage or advisory channels.

Alexander Glasson is a Series 66-licensed advisor at J.P. Morgan Securities with one year of industry experience. He has prior experience at Pioneer Venture Group and Techstars, as well as a background that includes work at the University of Denver and Banwell Technologies. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s process combines quantitative and qualitative research to build model asset allocations and incorporates advanced derivatives and commodities capabilities.

Duncan Hong is a financial advisor with Wells Fargo Clearing in Walnut Creek, CA, holding a Series 66 designation and 15 years of industry experience. He previously worked at MSI Financial Services, Inc. and Waddell & Reed. Outside of his advisory role, Hong serves as a vote-by-mail extractor for the Contra Costa County Election Office and is a notary public. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm employs over 14,000 advisors and manages approximately $671 billion in assets, offering brokerage and advisory solutions supported by research from the Wells Fargo Investment Institute.

Yo Oh is a Series 66-licensed financial advisor with Merrill in Walnut Creek, CA, with two years of industry experience. Prior to joining Merrill, Yo worked at Bank of America, N.A., and has been involved for several years in musical and community activities including performing and preparing music for Trinity Lutheran Church and participating in the Diablo Choral Artists. Yo also owns a drop shipping e-commerce business and operates a sole proprietorship for compensated vocal performances. 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 both model-based and discretionary investment strategies tailored for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Perlita Gudilano is a financial advisor with Morgan Stanley in Pleasanton, CA, holding Series 63 and Series 65 licenses and has 16 years of industry experience. She has been with Morgan Stanley Smith Barney since 2010. Outside of advising, she operates an online franchise business based in Manila, Philippines. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and analyses.

Stephen Nykamp is a CFP® with 15 years of industry experience currently with Fisher Investments since 2024. He previously worked at Empower Advisory Group and Personal Capital Advisors, where he spent a decade. Fisher Investments serves a global client base including institutional and high-net-worth individuals, offering discretionary portfolio management across equities, fixed income, and blended mandates. The firm uses a centralized investment approach incorporating quantitative and qualitative analysis and employs tax-aware and risk management strategies.

Bruce Meyers is a financial advisor with RBC Capital Markets in Walnut Creek, CA, holding Series 63 and Series 65 licenses and possessing 28 years of industry experience. He has worked with RBC Capital Markets since 2008 and with City National Bank since 2017. Outside of advising, he occasionally engages in freelance sports writing. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers multiple advisory programs with customizable investment strategies implemented through both in-house and third-party managers, supported by a range of portfolio management and financial planning services.

Michelle Pollak is a financial advisor with Ameriprise in Orinda, CA, holding a Series 66 designation and 24 years of industry experience. She has been with Ameriprise and its affiliated entities since 2005. Pollak serves on the Boards of Directors for the Sleepy Hollow Parents Club and Friends of Ruwenzori, dedicating several hours monthly to these community organizations. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations. The firm offers a broad range of advisory, brokerage, and insurance solutions through its institutional platform.

Teddy Ottens Seibert is a financial advisor with UBS Financial Services in Walnut Creek, CA, holding Series 63 and Series 65 credentials and bringing 23 years of industry experience. He has been with UBS since 2009. Outside of his advisory work, he is involved in vineyard maintenance and is a member of TwiningVine, a wine industry organization. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm integrates proprietary research and model-based asset allocations to tailor strategies to client goals and risk tolerances while offering institutional trading capabilities alongside wealth management.

Mark Kalinowski is a financial advisor with Fidelity, holding a Series 66 designation and 13 years of industry experience. He has worked within various Fidelity divisions since 2013, including Fidelity Brokerage Services LLC and Fidelity Personal and Workplace Advisors. 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 employs a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction, and it serves as an advisor to multiple registered investment companies and fund-of-funds.

Raymond Lederer is a financial advisor at Merrill with 22 years of industry experience. He holds the Series 63 and Series 66 designations and has worked at Merrill since 2008 and Bank of America, N.A. since 2011. Outside of his advisory role, he teaches an Introduction to Business Survey course at Las Positas Community College. 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. The firm offers a range of model-based and discretionary investment strategies for individual, high-net-worth, and institutional clients.