John Caldwell is a CFP® professional with 34 years of industry experience. He has been with CIBC Private Wealth Advisors, Inc. since 2017 and previously worked for Investment Advisers Inc. from 2014 to 2017. He is based in San Francisco, CA, and holds the Series 63 designation. CIBC Private Wealth Advisors provides investment advisory and wealth management services to individuals, families, trusts, employee benefit plans, corporations, and investment companies. The firm combines internal investment teams, relationship managers, and governance committees to deliver customized portfolio solutions, including discretionary and non-discretionary management, financial planning, and family office services.

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.

Thomas Dolby is a CFP® professional with 15 years of industry experience, currently with Schwab Wealth Advisory, Inc. He has worked previously at City National Bank, Bank of America, Merrill, and several other financial firms. Dolby holds Series 63 and Series 65 licenses and is based in San Francisco, CA. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and point-in-time wealth management consultations primarily for clients enrolled in the Schwab Wealth Advisory program and select Charles Schwab & Co.-referred clients. The firm’s advice is based on Schwab’s asset-allocation models and internal research tools, with trade execution requiring client authorization.

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.

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. He holds six years of industry experience and previously worked at Media Wealth and Gelfand, Rennert, & Feldman, where he also serves as CEO in a business management capacity. Focus Partners Wealth serves individuals, families, charitable organizations, corporations, and institutional retirement plans, providing investment management, financial planning, tax and compliance support, family office and business management, and employee benefit retirement plan services. The firm employs a long-term investment approach that incorporates both active and passive strategies, customized to clients’ risk, liquidity, and tax needs.

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.

Raunak Joseph is a financial advisor at Schwab Wealth Advisory, holding a Series 66 license with four years of industry experience. He has worked at multiple Charles Schwab entities since 2022 and previously held roles at Atlantis Properties and Intrigo System. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm utilizes internal research tools and standardized asset-allocation models to offer tailored recommendations without exercising discretionary trading authority.

Kevin Dorwin is a CFP® professional at Cerity Partners LLC with 22 years of industry experience. He has worked at Cerity Partners since 2021 and previously spent 17 years with Bingham, Osborn & Scarborough LLC. Cerity Partners advises a diverse client base, including high-net-worth individuals, families, institutions, and business entities, providing customized wealth management services such as investment management, financial planning, and retirement consulting. The firm employs a client-specific investment framework that integrates quantitative screening, manager selection, and direct security selection, while also offering access to alternative and private market solutions for qualified clients.

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 at Hightower Advisors with 43 years of industry experience. He has held roles at Hightower Advisors since 2008 and previously worked at Morgan Stanley from 1994 to 2008. He holds the Series 63 and Series 65 designations. Hightower Advisors provides investment advisory and planning services to a diverse client base, including individual and institutional investors such as pension plans, charitable organizations, corporations, and trusts. The firm emphasizes manager selection and multi-manager solutions, using both affiliated and third-party managers, and offers a range of portfolio management and consulting services.

Joseph Kuo is a CFP® with 10 years of industry experience and currently works at Farther. He has held roles at Financial Life Focus, Family Wealth Consultants, Abundance Wealth Planning, and Griffin Black. Kuo is an adjunct professor at Golden Gate University and is the founder of Abundance Life Planning, where he coaches and teaches workshops. Farther provides discretionary investment management and advisory services primarily to individual investors, trusts, and estates through a combination of web, mobile, and in-person platforms. The firm’s investment approach is based on Modern Portfolio Theory, using proprietary model portfolios and algorithmic rebalancing with a focus on ETFs, mutual funds, equities, and fixed income.

Adrian Fadrhonc is a financial advisor at Cerity Partners LLC with 13 years of industry experience. He holds Series 63 and Series 65 designations. Prior to joining Cerity Partners in 2023, he worked for Ashfield Capital Partners LLC from 2012 to 2022. Cerity Partners advises a diverse range of clients, including high-net-worth individuals, families, institutions, and private funds, managing approximately $166.2 billion in client assets as of December 2025. The firm offers customized wealth management services and employs a client-specific investment framework that integrates quantitative screening, manager selection, and direct security selection, with access to alternative and private market solutions for qualified clients.

William Carlen Jones is a financial advisor at GWN Securities Inc. with one year of industry experience. He holds a Series 66 credential and has prior experience at Mathew Blurton-Jones and roles at the University of California, Irvine and Santa Barbara. Outside of his advisory work, he is involved as a representative for a pension education platform, Pension 101. GWN Securities provides investment advisory and related services to individual and corporate clients through managed account programs and financial planning. The firm utilizes a mix of affiliated and unaffiliated sub-advisers and implements model-based portfolios, incorporating market-timing and momentum-based strategies in some programs.

John Bellamy is a CFP® and CFA® with 13 years of experience in financial advisory. He has worked at Wealth Enhancement Advisory Services, LLC and WEALTH ENHANCEMENT GROUP since 2022, following seven years at Ginsburg Financial Advisors. Bellamy serves as president and board member of Bullpen Club, Inc., a nonprofit supporting the Miramonte High School baseball program. Wealth Enhancement Advisory Services, LLC is an SEC-registered enterprise advisory firm serving individuals, trusts, charitable organizations, corporations, and retirement plans through a large network of advisors. The firm employs a strategic investment approach combining passive and active management, supported by quantitative and fundamental research, and offers a range of financial planning, asset management, and specialized retirement consulting services.

Aileen Braga is a financial advisor at Cresset Asset Management, LLC with 33 years of industry experience. She holds Series 63 and Series 65 designations and has previously worked at J.P. Morgan Securities, First Republic Investment Management, and Saratoga Research & Investment Management. Cresset Asset Management, LLC manages approximately $71.9 billion in client assets across a diverse client base, offering services that include portfolio management, wealth planning, private fund advisory, and family office services. The firm focuses on diversified, asset-allocation-driven portfolio construction using both active and passive strategies, supported by a structured due-diligence program and multiple affiliated entities.

Ridhima Chadha is a financial advisor at Schwab Wealth Advisory with six years of industry experience. She holds Series 63 and Series 66 designations and has previously worked at JPMorgan Chase, J.P. Morgan Securities, HSBC Securities, and Indusind Bank. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning services to clients enrolled in its program, relying on Charles Schwab & Co.’s asset-allocation models and internal research tools. The firm handles trades with client authorization and serves a large client base using a platform that combines proprietary research and third-party money management.

Michael Britton is a Series 66-credentialed advisor with PlanMember Securities Corporation, based in Alameda, CA, and has four years of industry experience. Prior to joining PlanMember, he worked at Raymond James Financial Services Advisors and has held a director role in supply planning and co-manufacturing at Peet's Coffee since 2017. Outside of his advisory work, he maintains a self-employed practice focused on investment-related insurance services. PlanMember Securities Corporation provides retirement-plan advisory services to employers and plan participants, focusing on ERISA Section 3(38) fiduciary responsibilities and participant-level investment options. The firm employs a top-down strategic asset allocation framework and manages risk-based mutual fund portfolios, while offering education and support services including seminars and personalized retirement planning.

John Crowther III is a financial advisor at Cresset Asset Management, LLC with four years of industry experience. He holds a Series 65 designation and has previously worked at True Capital Management, LLC and Tiedemann Advisors, LLC. Cresset Asset Management is a multi-disciplinary investment adviser managing approximately $78.9 billion in client assets. The firm serves a diverse client base including individuals, high-net-worth clients, trusts, estates, retirement plans, corporations, and pooled investment vehicles, employing a disciplined, risk-aware approach that integrates strategic asset allocation, manager selection, and a mix of active and passive strategies across public equities, fixed income, and alternatives.

Karena Schwenk is a financial advisor with Lincoln Investment in Oakland, CA, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. She has been affiliated with Lincoln Investment since 2010 and also maintains ongoing roles with Great American Advisors, Inc. and National Education Services. Lincoln Investment Planning, LLC is a large enterprise investment advisory and broker-dealer serving a diverse client base including individuals, high-net-worth investors, trusts, charities, and retirement plans. The firm offers financial planning, portfolio management through model portfolios and third-party managers, and maintains a notable history of serving educators and participants in 403(b) and 457(b) plans.