Jeffrey Mandap is a financial advisor with LPL Financial holding Series 65 and Series 63 licenses and eight years of industry experience. His prior roles include positions at Edward Jones, Bank of America, Merrill Lynch, and Wells Fargo, as well as experience as a self-employed day and options trader. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory services including financial planning, model portfolio programs, and institutional platforms, supported by extensive resources and a large network of over 22,800 advisors.

Valerie Krebs is a financial advisor with LPL Financial based in San Rafael, CA, holding Series 63 and Series 66 designations and possessing 14 years of industry experience. Her career includes roles at J.P. Morgan Securities and Wells Fargo Clearing before joining LPL Financial and Mechanics Bank. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supporting both discretionary and non-discretionary account management with access to third-party subadvisors and customized strategies.

John Fraser is a financial advisor at Morgan Stanley with two years of industry experience. He holds the Series 66 designation and has previously worked in roles at SoftwareONE and Oracle Corporation. Morgan Stanley Wealth Management is a registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning supported by structured discovery conversations and firm-approved planning tools.

Richard Wald is a financial advisor at Merrill with 40 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Merrill since 1986, also affiliated with Bank of America since 2009. Outside of his advisory work, he is a co-manager of a for-profit LLC that owns residential rental property with his spouse. 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, offering model-based and discretionary strategies for individuals, high-net-worth clients, and institutional investors.

Greg Coburn is a financial advisor at LPL Financial with 32 years of industry experience. He holds a CFP® designation along with Series 63 and Series 65 licenses. His prior experience includes roles at Bank of the West, BancWest Investment Services, and TIAA-CREF. 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 range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a large network of investment adviser representatives.

Timothy Hintzoglou is a CFP®-designated financial advisor with 28 years of industry experience. He is currently affiliated with Cetera Wealth Services, LLC and Cetera, where he has worked since 2025. His prior experience includes long-term roles at Avantax Insurance Agency, LLC and Avantax Investment Services, Inc. Outside of his advisory work, he serves on the board of the nonprofit ARM of Care, Inc. and is a trustee for Walnut Creek Presbyterian Church as well as the Ray Matthes 1997 Trust. Cetera Investment Advisers LLC is a nationwide SEC-registered firm offering portfolio management, financial planning, and retirement services to individuals, employer-sponsored plans, corporate, charitable, and institutional clients. The firm operates as a multi-manager platform providing access to a range of investment strategies and program structures with over 10,000 advisors and more than $256 billion in assets under management.

Yaochao Wei is a financial advisor at Merrill with four years of industry experience and holds the Series 66 designation. Prior to joining Merrill in 2016, Wei worked for two years at Sincere Home Decor. Outside of advisory work, Wei is a co-owner of a family rental property. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Marja Rusch is a financial advisor with Wells Fargo Clearing and holds a Series 66 designation. She has been with Wells Fargo Clearing Services, LLC since 2021 and Wells Fargo Bank, NA since 2006. Although she has no industry experience as an advisor, she has over 20 years with Wells Fargo in other capacities. Wells Fargo Advisors is a national securities firm providing investment advisory, financial planning, and retirement plan consulting services to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute.

Christine Mccomas is a financial advisor at Wells Fargo Clearing with 12 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Wells Fargo Clearing since 2016, following four years with WELLS FARGO Advisors, LLC. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, incorporating a broad range of financial products including insurance-related vehicles and bank deposit sweep options.

Sally Jermain is a financial advisor at Cambridge Investment Research Advisors with 25 years of industry experience. She holds the CFP® and Series 66 designations. Prior to joining Cambridge in 2024, she worked at LPL Financial for eight years. Outside of her advisory work, she owns a business related to Qigong and Medical Qigong and is involved in a performing arts business. Cambridge Investment Research Advisors serves a diverse range of clients, including individuals, pension and profit-sharing plans, charitable organizations, and trusts. The firm provides financial planning, investment management, retirement plan advisory, and financial-wellness services through a network of independent professionals, offering both proprietary and third-party investment strategies across multiple platforms.

Peggy Hatch is a financial advisor at Fidelity with 17 years of industry experience. She holds Series 63 and Series 65 licenses and has worked with Fidelity Personal and Workplace Advisors since 2018. Her career at various Fidelity affiliates dates back to 2013. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, employing proprietary fundamental research combined with quantitative analysis and algorithmic portfolio construction to manage portfolios that include mutual funds, ETFs, and ETPs.

William Schrader is a financial advisor with Charles Schwab, holding a Series 63 designation and having 37 years of industry experience. He has been with Charles Schwab since 1989 and with Charles Schwab Bank since 2005. Charles Schwab & Co., Inc. serves a large client base primarily consisting 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 and discretionary investment options, combining centralized custody and advisory functions with multi-asset model portfolios and a formal alternative investment process.

Kulwinder Mann is a financial advisor at Merrill with 18 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Merrill since 2008 and Bank of America since 2016. 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 model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Siulieng Chea Jerez is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 13 years of industry experience. She has worked with JP Morgan Chase Bank and J.P. Morgan Securities since 2011. 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 team of Wealth Advisors. As a subsidiary of J.P. Morgan, the firm combines large institutional advisory operations with brokerage and investment management capabilities.

Andrew Mayer is a Wealth Management Advisor at Merrill Lynch Wealth Management in San Francisco. Since joining Merrill Lynch in 1983, he has focused on helping clients build, manage, and transfer wealth. Over his more than 38 years of experience, Andrew has developed expertise in guiding clients through various market environments and addressing key client priorities such as growing assets and creating lasting income in a tax-efficient manner. In 2018, Andrew’s practice became multi-generational when his son Matthew joined Merrill Lynch. Together with Elizabeth Murphy-Jinich, a Registered Senior Wealth Management Client Associate, they form the Mayer Group, a team committed to understanding each client’s individual circumstances and applying established financial strategies to help clients achieve their financial goals confidently. Andrew holds a Bachelor's Degree from Skidmore College and the Personal Investment Advisor (PIA) designation. Andrew and his wife have lived in Marin County for over 30 years, where they raised their two children. Outside of work, Andrew’s interests include golf, cooking, and bluegrass music.

Grace Greening is a Wealth Management Advisor at Merrill Lynch Wealth Management and a member of the Greening-Messinger Group, a family practice dedicated to serving the complex needs of high-net-worth individuals and families. She began her career at Merrill in 2019 as a Financial Advisor Development Intern before transitioning into a full-time role in 2020. In her current role, Grace works closely with clients and their families to deliver personalized advice across investment management, financial planning, and strategies for preserving and transferring wealth across generations. Grace earned a Bachelor's Degree in Business Administration from the University of Oregon. She holds multiple professional designations, including Certified Financial Planner (CFP), Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Her expertise encompasses areas such as college education planning, divorce transition planning, managing new wealth, personal retirement planning, women and wealth, individual and corporate investment strategy, and retirement income. Outside of work, Grace leads an active lifestyle enjoying boating, cooking, hiking, soccer, spending time with family, and traveling. She appreciates cultural experiences and time spent outdoors, which contribute to her commitment to understanding clients' priorities and creating personalized financial strategies.

Robert Samuels is a financial advisor at Charles Schwab & Co., Inc. with 23 years of industry experience. He holds Series 63, 65, and 66 licenses and has been with Charles Schwab since 2016. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a combination of non-discretionary investment guidance and access to discretionary separately managed accounts. The firm is notable for its scale, integrated operational structure, and a formal approach to alternative investments and cash-sweep services.

David Reppas is a financial advisor at UBS Financial Services with 39 years of industry experience. He has been with UBS since 2009 and holds Series 63 and Series 65 licenses. Outside of financial services, his spouse works in quality control for a restaurant franchise. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services. The firm combines institutional trading capabilities with wealth management, offering fee-based financial planning, portfolio management, and access to proprietary research and capital markets services.

Jessica Steffensen is a financial advisor with Cetera in Walnut Creek, CA, holding a Series 66 license and two years of industry experience. Prior to joining Cetera in 2025, she worked at Avantax Investment Services and Advisory Services from 2024 to 2025. Outside of her advisory role, she manages a tax services firm that provides tax preparation, planning, and bookkeeping, and serves as Chief Financial Officer for a nonprofit community pool association. Cetera Investment Advisers LLC serves a broad client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform, supporting both discretionary and non-discretionary program structures.

Alex Baldwin is a financial advisor at Morgan Stanley with four years of industry experience. He holds the Series 66 and Series 63 licenses and has worked at Morgan Stanley and Fidelity Investments. Baldwin is also involved as an officer in a nonprofit organization focused on education, environmental conservation, and youth services. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, emphasizing structured financial planning supported by firm-approved tools and strategies. The firm manages approximately $2.74 trillion in client assets and provides both direct and employer-sponsored planning services.