Andres Rodriguez is a financial advisor at Charles Schwab with two years of industry experience. He holds a Series 66 designation and has worked at Charles Schwab in various capacities since 2022. Prior to his current role, his work history includes positions in education and hospitality sectors. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers a structured investment approach supported by research and due diligence.

John Odea is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds Series 63 and Series 65 licenses and has 22 years of industry experience. Prior to joining Raymond James in 2023, he worked at Summit Financial and Securian Financial Services. Outside of his advisory role, he is also an insurance agent focusing on life, disability, and long-term care insurance. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm emphasizes tailored, non-discretionary planning and supports municipal and public finance work through its unique affiliations.

Harry Bonn is a financial advisor at Cetera with over 50 years of industry experience. He holds the ChFC® designation along with Series 63 and Series 65 licenses. Bonn has held positions at several firms including Woodbury Financial Services, Minnesota Life Insurance Company, and Securian Financial Services. He is also the managing partner of Bay Area Wealth Management Group LLC. Cetera Investment Advisers LLC is an SEC-registered firm serving a diverse client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with various portfolio management programs and access to third-party money managers.

Yun Huang is a Series 66 licensed financial advisor with 18 years of industry experience, currently with Charles Schwab. Prior to joining Schwab in 2022, Huang worked for Wells Fargo affiliates from 2006 to 2021. Outside of finance, Huang teaches yoga and meditation through Shaolin Temple USA and owns The Awaken Zone in Union City, CA. Charles Schwab serves primarily high- and ultra-high-net-worth individuals with a range of advisory, brokerage, and custody services. The firm offers both non-discretionary and discretionary investment management, utilizing multi-asset model portfolios and a centralized operational platform.

Benjamin Yohanan Jr. is a financial advisor at OSAIC with over 33 years of industry experience. He holds a Series 63 designation and has worked with firms including Securities America Advisors, Inc. and Hatch Retirement Services. Yohanan is also the owner of Ben Yohanan Annuity & Insurance Agency, Inc. and serves as a board member of the Baywood Place Homeowners Association. OSAIC serves a broad range of retail and institutional clients through an extensive network of affiliated financial advisers, offering integrated brokerage, investment advisory services, and access to third-party money managers. The firm employs a variety of asset-allocation tools and supports both discretionary and non-discretionary account management.

Jacqueline Kwong is a financial advisor at Morgan Stanley with 18 years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley and its Private Bank division since 2017, following a decade at Ameriprise Financial Services. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, including tailored financial planning that uses firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and offers both direct and corporate financial planning services.

Danielle Pettiette Erlinger is a Financial Consultant at Fidelity Investments. She works closely with clients and their families to provide them with the tools necessary to make informed financial decisions and develop comprehensive financial plans. Danielle has been with Fidelity Investments since 2019, progressing through roles including Financial Services Representative, Relationship Manager, Investment Consultant, and currently serving as a Financial Consultant. She holds a CA Insurance License and the Certified Financial Planner (CFP®) designation. Outside of her professional work, Danielle engages in activities such as running, skiing, traveling, and yoga.

John Vandenberg is a Financial Consultant currently working at Fidelity since 2021. He has experience in financial consulting and advising roles, having previously served as Vice President and Financial Consultant at Charles Schwab from 2016 to 2021, and as a Financial Advisor at Morgan Stanley from 2013 to 2016. John holds a California Insurance License. John focuses on understanding clients' unique financial situations to develop customized plans aligned with their investment objectives, preferences, and constraints. His approach emphasizes building trusted relationships based on honesty, integrity, and transparency. Outside of his professional work, John is involved in activities such as fitness, social events with friends, hiking, parenthood, traveling, and volunteering.

Frank Lizotte is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at several firms, including LPL Financial, The Golden 1 Credit Union, and Bank of the West. Lizotte has been with J.P. Morgan Securities and JPMorgan Chase Bank since 2014, currently based in Alamo, CA. J.P. Morgan Securities LLC 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 recommendations on a non-discretionary basis, combining large institutional advisory capabilities with brokerage and investment management services.

Winnie Guo is a CFP® professional with seven years of industry experience, currently serving at Charles Schwab since 2019. Her prior experience includes roles at Morgan Stanley, JP Morgan Chase, and Bank of America. Outside of her advisory work, she provides in-home care services for family members. Charles Schwab serves a large client base of primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm combines non-discretionary advisory models with access to affiliated discretionary strategies and offers a centralized, integrated platform for custody, brokerage, and investment guidance.

Katrina Hernandez Wright is a financial advisor at UBS Financial Services with 12 years of industry experience. She has been with UBS since 2013 and holds a Series 66 designation. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor strategies to clients’ goals.

Ryan Amador is a Wealth Management Advisor with Merrill Lynch Wealth Management. With over 26 years of experience in the banking and financial industry, he works closely with individuals and families to develop personalized financial strategies that align with their long-term goals. Ryan leverages the investment insights of Merrill Lynch Wealth Management and the banking services of Bank of America to provide comprehensive wealth management solutions. His areas of focus include education planning, family wealth management strategies, legacy planning, liquidity management, personal retirement planning, and socially responsible investing, among others. Ryan's approach begins with understanding each client's unique financial objectives to deliver tailored strategies aimed at helping clients pursue their goals through thoughtful portfolio and income planning. Ryan holds professional designations including Chartered Financial Consultant (ChFC), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). He earned his High School Diploma from Santa Monica High. Outside of his professional work, Ryan participates in community volunteering and enjoys personal interests such as baseball, billiards, cooking, fishing, football, golfing, music, reading, skiing, and swimming.

Michael Inman is a financial advisor at Charles Schwab with nine years of industry experience. He holds a Series 66 designation and has worked at Charles Schwab Bank and Charles Schwab & Co., Inc. since 2019. Prior to that, he was with AXA-Advisors, LLC for two years and worked at Chico State University for four years. Charles Schwab & Co., Inc. serves a large client base primarily composed of 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 guidance, supported by a multi-asset model portfolio approach and centralized operations.

Courtney Fisher is a financial advisor at Merrill with a Series 66 designation and six years of industry experience. She has worked at Bank of America, N.A. and Merrill since 2019 and previously spent two years at the University of Oregon. 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 model-based and discretionary investment strategies supported by internal and third-party managers for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Kevin Hatch is a financial advisor with LPL Financial in San Carlos, CA, holding Series 63 and Series 65 licenses and possessing 32 years of industry experience. He has been with LPL Financial since 1995 and has also operated as a self-employed advisor since 1993. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a broad range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by technology tools for operational and research purposes.

Ryan Freed is a financial advisor at Charles Schwab with six years of industry experience. He holds a Series 66 designation and has worked at Charles Schwab since 2019, including roles at Charles Schwab Bank and previously at Bank of America and Merrill. His background also includes various positions outside traditional wealth management, such as involvement with athletic organizations and educational institutions. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm offers both non-discretionary and discretionary investment options, utilizing multi-asset model portfolios and alternative investment due diligence, supported by a large scale and integrated operational structure.

Stella Chay is a financial advisor at Fidelity with 10 years of industry experience. She holds Series 63 and Series 66 licenses and has been with various divisions of Fidelity since 2015. Fidelity’s affiliate, Strategic Advisers LLC, offers investment management and advisory services to retail and institutional clients, including fund advisory and model portfolio delivery. The firm combines fundamental research with quantitative analysis and algorithmic portfolio construction, and it serves multiple registered investment companies while employing systematic investment methodologies.

Jeneen Slack is a CFP®-certified financial advisor with 18 years of industry experience, currently affiliated with LPL Financial. Her prior work includes roles at Raymond James Financial Services, Summit Financial Group, and Cetera Advisors. In addition to her advisory work, she serves as an independent contractor for Summit Financial Group. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of investment programs and utilizes various portfolio strategies supported by research and operational tools.

Matthew Healy is a financial advisor at LPL Financial with 27 years of industry experience. He holds Series 66 and Series 63 licenses and has previously worked at U.S. Bancorp Investments and Fremont Bank. Outside of his advisory role, he operates Healy Insurance Services, offering non-variable insurance products. 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 provides a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by research and technology tools.

Shannon Bosick serves as Vice President and Branch Leader, where she helps lead, coach, and inspire a team of financial professionals dedicated to partnering with families to achieve their financial goals through established standards of care. Prior to this role, she was a Vice President Regional Planning Consultant at Fidelity Investments from 2013 to 2025. Shannon holds a California Insurance License, supporting her expertise in the financial services industry. Outside of her professional work, she enjoys hiking and music.