Jinai Chen is a financial advisor at Schwab Wealth Advisory with eight years of industry experience. Prior to joining Schwab Wealth Advisory in 2025, Chen held roles at Charles Schwab & Co., Charles Schwab Bank, and Wells Fargo. Outside of finance, Chen is involved with a healthcare service providing in-home assistance to elderly and disabled individuals in California. Schwab Wealth Advisory offers non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, utilizing Schwab’s research tools and asset allocation models to support clients’ investment decisions. The firm conducts at least annual account reviews and primarily operates within the Schwab ecosystem without discretionary trading authority.

Eric Chang is a CFA® charterholder with 14 years of industry experience. He is currently with Cerity Partners LLC, where he has worked since 2021. His prior experience includes roles at Bingham, Osborn & Scarborough LLC, Zions Bancorporation, N.A., and Contango Capital Advisors, Inc. Cerity Partners is an SEC-registered investment adviser serving a diverse client base that includes individuals, families, trusts, corporations, charitable institutions, and other institutional investors. The firm offers a range of services including investment management, financial planning, tax and insurance support, and access to alternative and private-market investments, with a focus on customized, diversified portfolios and private market programs for qualified clients.

Hannah Van Essen is a financial advisor at Mercer Global Advisors Inc. with a Series 65 credential and less than one year of industry experience. Prior to joining Mercer, she was involved with several organizations, including The Phoenix Student Literary Magazine, Galileo Learning, and Immigrant Hope. Mercer Global Advisors serves individuals, families, small business owners, plan sponsors, foundations, non-profits, and endowments, providing investment advisory services along with financial, tax, retirement, and estate planning. The firm’s investment approach uses globally diversified, risk-appropriate portfolios combining low-cost ETFs, index funds, separate account managers, and private funds, supported by educational content and specialized service lines.

Emily Taken Vertz is a CFP® and holds a Series 65 license with eight years of industry experience. She has worked at Cerity Partners LLC since 2021 and previously at B|O|S and Brouwer & Janachowski, LLC. Emily is based in San Francisco, CA. Cerity Partners is an SEC-registered investment adviser serving a diverse client base including individuals, families, trusts, corporations, charitable institutions, and other institutional investors. The firm offers discretionary and non-discretionary investment management, financial planning, tax and insurance support, retirement plan services, and access to alternative and private-market investments, emphasizing diversified asset allocation and customized portfolio management.

Isaac Dayley is a financial advisor with Money Concepts Capital Corp in San Francisco, holding Series 63 and Series 65 licenses and possessing nine years of industry experience. He has worked at Money Concepts Capital Corp since 2016 and is also the owner and operator of Dayley Schmiedl LLC, a marketing, talent management, and media consulting business. Additionally, he is involved with Nashville CBD Solutions, a retail health products store, and provides consulting services to other non-investment-related businesses. Money Concepts Advisory Service (MCAS) offers portfolio management, financial planning, and consulting services to individuals, pension plans, trusts, charitable organizations, and corporations. The firm manages approximately $3.33 billion across multiple managed programs, employing a range of investment strategies including model portfolios and third-party sub-advisers.

Alvin Liang is a financial advisor with Voya Financial Advisors, Inc. He holds Series 63 and Series 65 licenses and has 23 years of industry experience. His prior work includes positions at Sequoia Equities Securities Corp. and Stifel Nicolaus & Co Inc. Voya Financial Advisors, Inc. offers investment advisory, brokerage, financial planning, and retirement plan services to a diverse client base including individuals, charitable organizations, corporations, and plan sponsors. The firm delivers investment guidance through a combination of model portfolios and manager-driven sleeves, supporting both discretionary and non-discretionary advisory programs.

Anthony Tsang is a financial advisor at Private Advisor Group, LLC with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with firms including Strategic Wealth Advisors Group and LPL Financial. Tsang is also affiliated with Msec, LLC in a limited broker-dealer capacity. Private Advisor Group serves a diverse client base that includes individuals, business entities, trusts, estates, and charitable organizations. The firm provides discretionary and non-discretionary portfolio management, financial planning, and retirement-plan consulting through a network of investment adviser representatives, offering access to third-party asset managers, turnkey platforms, and a firm-managed separately managed account program.

Lilian Lo is a CFP® and Series 66 credentialed financial advisor at Corient with 21 years of industry experience. Her prior roles include positions at Vivaldi Capital Management LLC, Strategic Wealth Advisors Group, and LPL Financial. Lilian is based in San Francisco, CA. Corient provides investment advisory and financial planning services to a diverse client base, including individuals, high-net-worth clients, trusts, pension plans, charitable organizations, and corporate entities. The firm employs a goals-based, team investment approach combining in-house strategies with third-party manager solutions, utilizing risk management tools and alternative investment options where appropriate.

Terrence Gee is a financial advisor with Private Advisor Group, LLC, holding a Series 63 designation and over 41 years of industry experience. His prior roles include positions at Crown Capital Securities, LP and Quest Securities, Inc. He is based in San Francisco, CA. Private Advisor Group, LLC is an SEC-registered advisory firm managing over $41 billion across more than 135,000 client relationships. The firm serves individuals, trusts, estates, charitable organizations, and corporate and retirement plan clients, offering discretionary and non-discretionary portfolio management, financial planning, retirement plan consulting, and access to third-party asset management programs.

Robert Zimmerman is a financial advisor with Citigroup Global Markets, holding Series 63 and Series 66 licenses and possessing 32 years of industry experience. He previously worked at Merrill for ten years before joining Citigroup Global Markets in 2023. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment strategies through discretionary and non-discretionary programs, along with brokerage and custody services. The firm combines large institutional scale with unique market roles, including acting as a swap dealer and futures commission merchant, and provides bespoke solutions for high-net-worth clients.

Clark Jennison is a financial advisor at Citigroup Global Markets with 17 years of industry experience. He holds a Series 66 designation and has been with CITI Private Bank since 1996. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a wide range of investment advisory programs and custody services. The firm employs multi-asset, multi-manager strategies and combines large institutional scale with unique market roles, including in-house research and derivatives services.

T. Branton is a CFP® and Series 65-licensed advisor at Wealthspire Advisors with 18 years of industry experience. Prior to joining Wealthspire in 2024, he worked at Private Ocean for six years and Mosaic Financial Partners Inc. for seven years. Outside of his advisory role, he provides life coaching on a part-time basis. Wealthspire Advisors is an SEC-registered investment adviser managing approximately $34.3 billion in assets for nearly 9,700 clients, including individuals, corporate and pension plans, nonprofits, and foundations. The firm uses an institutional-style asset allocation approach with a diverse mix of investment vehicles and offers tailored wealth management, financial planning, retirement-plan consulting, and trustee services.

Kathryn Lennon is a financial advisor at Citigroup Global Markets with 18 years of industry experience. She holds a Series 66 designation and has previously worked at J.P. Morgan Securities, JPMorgan Chase Bank, N.A., and UBS Financial Services. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs and execution services. The firm employs multi-asset, multi-manager strategies and maintains specialized market roles including research, security pricing, and derivatives trading.

Clark Jorgensen is a CFA® charterholder and holds a Series 65 license. He currently works at CIBC Private Wealth Advisors, Inc. and has 14 years of industry experience, including 13 years at BMO prior to joining CIBC Private Wealth. Based in San Francisco, he began his tenure with CIBC in 2026. CIBC Private Wealth Advisors serves a diverse client base including individuals, families, trusts, employee benefit plans, corporations, and investment companies. The firm offers a range of services such as portfolio management, financial and estate planning, and coordinated Family Office services, utilizing a combination of proprietary and external investment strategies overseen by internal committees.

Nanlan Ou is a Series 66-licensed financial advisor with Citigroup Global Markets, based in San Francisco, CA. She has 18 years of industry experience and has been with Citigroup since 2012. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs and broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies through both discretionary and non-discretionary programs, combining large institutional scale with unique market roles and arrangements.

Susan Leonard is a financial advisor at Commonwealth Financial Network with one year of industry experience. She holds a Series 66 designation and has previously worked at Terra Blue Wealth Management, Glencrest Group, Analysis Group, and Lando & Anastasi. Leonard’s background also includes four years at Bates College. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and hundreds of thousands of clients. The firm provides a broad adviser-support platform with managed-account programs, access to third-party asset managers, retirement consulting, and custody services.

Christopher Boggs is a financial advisor with J.P. Morgan Securities in San Anselmo, CA, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. He has been with J.P. Morgan Securities since 2008 and JPMorgan Chase Bank since 2010. Outside of his advisory role, Boggs owns and operates a short-term rental property through Boggs Real Estate. 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 through a select group of Wealth Advisors. The firm combines large institutional advisory operations with additional market-facing registrations and functions, delivering non-discretionary advisory programs alongside brokerage, distribution, and investment management capabilities.

Matthew Smith is a financial advisor with Charles Schwab in San Francisco, CA, holding Series 66 and Series 63 licenses and bringing 12 years of industry experience. He has been with Charles Schwab since 2013 and Charles Schwab Bank since 2017. 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 combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers multi-asset model portfolios, alternative investment due diligence, and integrated custody and brokerage services.

Marcella Jennifer is a financial advisor at Ameriprise with two years of industry experience and holds the Series 66 designation. Her work history includes positions at Ameriprise and several educational institutions, including UCLA and the University of California, Berkeley. Ameriprise Financial Services is a large, diversified advisory firm that serves individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides tailored retirement planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Samantha Solberg is a financial advisor at Charles Schwab with one year of industry experience. She holds a Series 66 designation and previously worked at Breckinridge Capital Advisors, Inc. before joining Charles Schwab. 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 both non-discretionary investment guidance and access to discretionary separately managed accounts, utilizing multi-asset model portfolios and a centralized operational structure.