Jeremy Niederstadt is a CFP® and ChFC® with 28 years of experience in the financial services industry. He has worked at Merrill and Bank of America, N.A. before joining Sanctuary Advisors, LLC in 2020. He serves on a homeowners association board, handling recording of voting results and board meetings. Sanctuary Advisors, LLC provides investment advisory and financial planning services to individuals, corporations, pension and profit-sharing plans, trusts, estates, and charitable organizations through a network of more than 400 independent advisers. The firm offers a range of portfolio management and consulting solutions, employing multiple analytical approaches and maintaining a fiduciary standard when a written advisory agreement is in place.

Juli Rahill is a financial advisor at Kestra Advisory with 14 years of industry experience. She holds a Series 66 designation and previously worked at Morgan Stanley and JPMorgan Chase Bank NA. Outside of her advisory role, she is associated with an investment partnership that focuses on small and mid-size private businesses. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a diverse client base, including plan sponsors, institutional investors, and individuals. The firm offers services such as fiduciary consulting, plan-level investment advice, and employee education, managing approximately $79.8 billion in assets and serving a range of clients from private investors to sovereign wealth funds.

Joseph Matthews is a financial advisor at Farther with nine years of industry experience. He holds a Series 65 designation and has worked at Farther Finance Advisors since 2019. Prior to that, he spent three years at ForUsAll and is also a cofounder and board member of Essmart Global Inc., a company involved in distributing technology products in Southern India. Farther provides discretionary investment management and advisory services primarily to individual investors, trusts, and estates through both digital platforms and in-person meetings. The firm’s investment approach is based on Modern Portfolio Theory, utilizing model portfolios with algorithmic rebalancing and employing a range of asset classes including ETFs, mutual funds, equities, and fixed income.

Cheng Aik Ong is a financial advisor with HSBC Securities (USA) Inc. based in San Francisco, CA. He holds Series 63 and Series 66 registrations and has 18 years of industry experience. He has worked with HSBC and associated entities since 2013, including roles at Cetera Investment Services LLC and Cathay Bank. He also serves as a Bank Officer for HSBC Bank (USA) N.A., engaging in the sale of bank-related products alongside his advisory responsibilities. HSBC Securities (USA) Inc. provides managed account programs to a diverse client base, including individuals, retirement accounts, charitable organizations, and corporations. The firm offers various program types ranging from client-directed to fully discretionary portfolios, utilizing a risk-profile-based investment approach supported by HSBC Global Asset Management and third-party providers.

Sterling Moore is a financial advisor with CIBC Private Wealth Advisors, Inc. in San Francisco, CA, holding Series 63 and Series 65 licenses and possessing 28 years of industry experience. His prior roles include positions at CIBC World Markets Corp., Orion Portfolio Solutions, and Brinker Capital. Outside of finance, he owns and operates two beekeeping businesses, Lollipop Honey Company and S&C's Honey Bees. CIBC Private Wealth Advisors serves a diverse client base including individuals, families, trusts, and investment companies, offering portfolio management, financial planning, and family office services. The firm combines an internal investment team with external managers and governance committees to create customized investment solutions, managing approximately $67.8 billion in assets across 175 advisors.

Michael Mc Laughlin is a financial advisor at Private Advisor Group, LLC with a Series 66 designation and one year of industry experience. His prior work includes roles at LPL Financial LLC, Defined Financial Planning, Mosaic Financial & Exodus Energy, and Accuvest. He has also held teaching positions at Gonzaga University, De La Salle High School, Saint Marys School, and Saint Isidore School. Private Advisor Group provides portfolio management, financial planning, and retirement plan consulting to individuals, trusts, estates, charitable organizations, businesses, and retirement plans. The firm employs a fiduciary-based advisory model and utilizes technology platforms to implement a range of investment strategies, often through third-party managers and TAMPs.

Michele McMahon is a CFP® with 11 years of industry experience, currently serving as a financial advisor at William Blair since 2018. Prior to joining William Blair, she worked at Wells Fargo Clearing and WELLS FARGO Advisors, LLC. Outside of her advisory role, Michele is involved as a referee for youth basketball and volleyball games with the Catholic Youth Organization and operates a scoreboard at University of San Francisco athletic events. William Blair’s Private Wealth Management division offers investment management, financial planning, and wealth services to individuals, foundations, and corporate clients. The firm emphasizes active, research-driven strategies across multiple asset classes and provides access to proprietary models, third-party sub-managers, and private investment opportunities.

Matthew Hoskins is a financial advisor with Schwab Wealth Advisory, Inc., holding Series 63 and Series 66 licenses and bringing 19 years of industry experience. He has worked with Charles Schwab and its affiliated entities since 2007. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, using Schwab’s asset allocation models and research tools to recommend investments. The firm conducts annual financial reviews and planning discussions while leaving final trading decisions to clients.

John Caldwell is a Certified Financial Planner (CFP®) with 33 years of industry experience. He has worked at CIBC Private Wealth Advisors, Inc. since 2017 and previously spent three years at Investment Advisers Inc. based in San Francisco, CA. CIBC Private Wealth Advisors provides investment and wealth advisory services to individuals, families, trusts, employee benefit plans, corporations, and investment companies. The firm’s investment approach involves a collaborative process between internal teams and committees to deliver customized portfolios using both proprietary and external strategies, including options hedges and structured notes.

Ross Layton is a financial advisor with Kestra Advisory, holding a Series 66 designation and 24 years of industry experience. He previously worked at J.P. Morgan Securities for 16 years before joining Kestra Advisory and Kestra Investment Services in 2024. Layton provides investment advisory, portfolio management, and financial planning services through Oculus Financial Group. Kestra Advisory Services offers investment advisory and retirement plan consulting to plan sponsors and a wide range of institutional and individual clients. The firm’s services include fiduciary consulting, plan design, employee education, and access to multiple management platforms, serving clients such as sovereign wealth funds alongside other large institutional investors.

John Graef is a CFP® with 13 years of industry experience, currently serving at Schwab Wealth Advisory. His prior roles include positions at Charles Schwab & Co., Inc., ERN, L.L.C., Empower Advisory Group, and Liberty Mutual. He is also a licensed real estate agent in Arizona, working in that capacity outside of normal business hours. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering financial reviews, retirement planning, and investment recommendations primarily through Schwab’s asset allocation models and research tools. The firm operates as an internal advisory unit within Charles Schwab & Co., Inc., without discretionary trading authority or direct client billing.

Thomas Dolby is a CFP® with 15 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory, Inc. located in San Francisco, CA. His prior roles include positions at City National Bank, Bank of America, Merrill, and Charles Schwab & Co., Inc. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering clients investment recommendations and financial planning support while leaving final trading decisions to clients. The firm operates within the Schwab ecosystem and distinguishes itself by its cost-and-expense plus compensation model and limited discretionary management.

Penny Righthand is a financial advisor with Eagle Strategies (New York Life) based in Oakland, CA. She holds Series 63 and Series 65 licenses and has 38 years of industry experience. She has been affiliated with New York Life Insurance Company and Nylife Securities Inc. since 1987. Outside of her advisory work, she is writing a romance novel. Eagle Strategies serves individual and institutional clients by providing financial planning, investment management, and retirement-plan advisory services through a large network of affiliated advisers. The firm offers tailored advice across multiple program types and manages the majority of its assets on a non-discretionary basis, with a focus on defined contribution and benefit plans as well as charitable and corporate clients.

Blake Mcginley is a CFP® professional at Cerity Partners LLC with six years of industry experience. Prior to joining Cerity Partners in 2024, he worked at CETERA Advisor Networks LLC and AssetMark Financial Inc. He has held roles at Occidental College and was involved with All About Poke from 2017 to 2018. Cerity Partners provides customized wealth management services to a wide national client base, including high-net-worth individuals, families, trusts, and institutional investors. The firm employs tailored asset allocation, manager selection, and periodic rebalancing strategies, and operates multiple private-market investment offerings alongside affiliated pension consulting and insurance services.

Darren Ting is a financial advisor at Farther with eight years of industry experience. He holds a Series 66 designation and previously worked at firms including J.P. Morgan, Merrill, Bank of America, Morgan Stanley, and First Citizens Bank. Farther provides discretionary investment management and advisory services primarily to individual investors, trusts, and estates through a web and mobile platform, supplemented by in-person meetings. The firm uses a Modern Portfolio Theory-based approach with proprietary models and algorithmic rebalancing, incorporating ETFs, mutual funds, equities, fixed income, and AI tools subject to internal review.

Tyson Beem is a financial advisor with Focus Partners Wealth, LLC in Walnut Creek, CA, holding six years of industry experience. He is also the CEO and business manager of Gelfand, Rennert, & Feldman, a role he has held since 1998. Focus Partners serves individuals, high-net-worth families, family offices, and institutional clients, offering wealth management, financial and tax planning, retirement plan consulting, and access to private and registered pooled vehicles. The firm’s investment approach integrates long-term, tax- and fee-sensitive portfolio construction through a combination of active and passive strategies, third-party managers, and private funds.

Ann Wang is a financial advisor with Rockefeller Financial LLC based in San Francisco, CA. She holds a Series 66 designation and has 22 years of industry experience. Her prior experience includes roles at Bank of America and Merrill. Outside of her advisory work, she is an owner of a small rental property business. Rockefeller Financial LLC serves high-net-worth and ultra-high-net-worth individuals, families, family offices, institutional clients, retirement plans, foundations, and corporations. The firm offers a range of portfolio management, financial planning, and consulting services through a Private Advisor model and a consolidated investment platform.

Kevin Dorwin is a CFP® with 21 years of industry experience, currently serving as a financial advisor at Cerity Partners LLC since 2021. Prior to joining Cerity Partners, he worked for 17 years at Bingham, Osborn & Scarborough LLC. Cerity Partners is an SEC-registered investment adviser managing approximately $126.9 billion in client assets as of December 31, 2024. The firm serves a wide range of clients, including high-net-worth individuals, families, corporations, and institutional investors, offering customized portfolios with a focus on diversified asset allocation and access to alternative and private-market investments.

Stacey Velez is a CFP® and holds a Series 66 designation with 25 years of industry experience. She currently works at Creative Planning and has previously been employed at CIBC Private Wealth Advisors and Geneva Investment Management of Chicago. Creative Planning provides investment advisory and financial planning services to a diverse client base, including individuals, corporations, foundations, trusts, and retirement plans. The firm emphasizes a financial planning–led investment process focused on low-cost indexing and buy-and-hold strategies, supported by a broad advisory team and integrated investment infrastructure.

Peter Lyon is a financial advisor with Hightower Advisors, holding Series 63 and Series 65 credentials and over 43 years of industry experience. He has been with Hightower Advisors and its affiliated broker-dealer, Hightower Securities, LLC, since 2008. Hightower Advisors provides investment advisory and planning services to individual and institutional clients, offering a range of portfolio management and financial planning solutions. The firm’s approach emphasizes manager selection and multi-manager strategies, utilizing both affiliated and third-party managers, with capabilities including mutual funds, ETFs, alternative investments, and custom indexing.