Madeleine Frost is a financial advisor with RBC Rochdale, LLC, holding a Series 66 designation. She has approximately one year of industry experience, with prior roles at CNR Securities, LLC and Thornburg Investment Management. Her background also includes work in diverse sectors such as hospitality and retail. RBC Rochdale serves a wide range of clients, including high net worth individuals, corporations, charitable organizations, and government entities. The firm employs an active, multi-strategy investment approach that integrates quantitative and fundamental analysis, utilizing proprietary tools and a variety of asset classes to tailor portfolios to client Investment Policy Statements.

Clarence Ho is a financial advisor with Schwab Wealth Advisory in San Francisco, CA, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. He has been with Schwab Wealth Advisory since 2012 and has worked at Charles Schwab & Co., Inc. since 2000. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering financial reviews, retirement and planning discussions, and investment recommendations across various asset classes. The firm delivers advice through standardized asset allocation models and research tools, with final trading decisions made by clients and periodic account reviews conducted annually.

Aaron Waxman is a CFP® and holds a Series 65 license with 15 years of industry experience. He has been with Cerity Partners LLC since 2021 and previously worked at Bingham, Osborn & Scarborough LLC for 11 years. Outside of his advisory role, he serves as Vice President of Oski Management Inc., a family office overseeing investment management, and is a member of the Board of Managers at G2 Insurance Services, Inc. Cerity Partners is an SEC-registered investment adviser serving a diverse client base including individuals, families, trusts, corporations, and institutional investors. The firm provides a range of services such as investment management, financial planning, tax and insurance support, and retirement plan services, with an emphasis on diversified asset allocation and access to alternative and private-market investments.

Fanny Guo is a CFP® with 18 years of industry experience, currently with Mercer Global Advisors Inc. She has been with Mercer since 2015. Outside of her advisory role, she is involved as a health insurance broker with Covered California, focusing on private health insurance coverage for individuals and small businesses. Mercer Global Advisors provides investment advisory and planning services to a diverse client base, including individuals, high-net-worth families, small business owners, corporate plan sponsors, and nonprofit organizations. The firm employs a globally diversified investment approach grounded in Modern Portfolio Theory and offers a range of portfolio management and planning services.

Gregory Bernhardt is a CFP® professional with 45 years of industry experience. He is currently with Independent Financial Group, LLC and has held roles at NPB Financial Group, LLC and Kingswood Capital Partners, LLC. Bernhardt has also been associated with Clayton Consulting Group since 1994. Independent Financial Group, LLC is a dual-registered broker-dealer and SEC-registered investment adviser serving individuals, charities, corporations, and plan sponsors. The firm manages approximately $11.3 billion in assets and offers advisory programs through its AccessPoint platform and third-party asset managers, accommodating a range of investment profiles and account management options.

James Adgar is a financial advisor with PlanMember Securities Corporation, holding Series 63 and 65 licenses and bringing 22 years of industry experience. His prior roles include positions at LPL Financial, Valley Wealth Strategies, and National Planning Corporation. Outside of his advisory work, he serves as a sports official with the Bay Island Officials Association. PlanMember Securities Corporation provides retirement-plan advisory services to employers and participants, acting as an ERISA Section 3(38) fiduciary for many plans. The firm employs a strategic asset allocation approach across risk-based mutual fund portfolios and offers education and support services including seminars and personalized retirement planning.

Michael Spector is a financial advisor at Focus Partners Wealth, LLC with 25 years of industry experience. He holds the PFS™ designation and Series 65 license. His prior experience includes roles at Media Wealth, LLC, Adero Partners, LLC, and Vista Wealth Management, LLC. Outside of advisory work, he serves as managing member and CEO of investment-related entities involved in private real estate and private company investments. Focus Partners Wealth, LLC provides wealth advisory and investment management services to individuals, families, retirement plans, institutions, and businesses. The firm employs a long-term, tax- and fee-sensitive investment approach that integrates active and passive strategies, separate account managers, and private funds within an enhanced open architecture framework.

Phillip Gomez is a financial advisor at Sanctuary Advisors, LLC with 8 years of industry experience. He holds a Series 66 designation and previously worked at Bank of America and Merrill Lynch for nine years, as well as Lyft for one year. Sanctuary Advisors, LLC provides investment advisory and financial planning services to a diverse client base including individuals, corporations, pension and profit-sharing plans, trusts, estates, and charitable organizations. The firm operates through a large network of independent advisors and offers various investment solutions, including separately managed accounts and access to third-party sub-advisers, under a fiduciary standard.

Mark Immel is a financial advisor at Citigroup Global Markets with Series 63 and Series 65 designations and 31 years of industry experience. He has worked at Citigroup Global Markets and Citi Private Bank since 2010. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering investment advisory programs, broker-dealer execution, and custody services. The firm uses multi-asset, multi-manager strategies and maintains institutional-scale operations including in-house research and derivatives services.

Kevin Higgins is a financial advisor with TIAA-CREF in Walnut Creek, CA, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. He has been with TIAA-CREF since 2017. Outside of his advisory role, Higgins serves as a board member for Lamorinda Lacrosse, a local youth sports organization. TIAA-CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, and small retirement plans, often serving clients connected to TIAA-administered employer retirement plans. The firm operates a vertically integrated advisory model that includes customized portfolio management and donor-advised fund services.

Michaela Courtemanche is a financial advisor at Sanctuary Advisors, LLC with one year of industry experience and holds a Series 66 designation. Prior to her current role, she has worked in various positions related to collegiate and professional football departments and athletics marketing. Sanctuary Advisors provides investment advisory and financial planning services to individuals, corporations, charitable organizations, trusts, estates, and retirement plans. The firm offers customized investment programs through a large network of independent advisor representatives and affiliated broker-dealer entities.

Shuzhen Chen is a financial advisor at Schwab Wealth Advisory with two years of industry experience. She holds a Series 66 designation and has previously worked at China International Capital Corporation and TradeUp Securities, Inc. before joining Schwab Wealth Advisory in 2025. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering services including financial reviews, retirement planning, and investment recommendations using Schwab’s asset allocation models and research tools. The firm operates as an internal advisory unit within Charles Schwab & Co., Inc., delivering advice without discretionary trading authority and primarily serving individual clients.

Derek Prill is a financial advisor at Citigroup Global Markets with 11 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Citigroup since 2017 and J.P. Morgan Securities since 2015, including a two-year tenure at JPMorgan Chase Bank NA. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a wide range of investment advisory programs, broker-dealer execution, and custody services. The firm employs multi-asset, multi-manager strategies with internal standards and oversight committees, and operates as both a security-based swap dealer and futures commission merchant.

Jacob Gee is a CFP® professional with five years of industry experience. He is currently with Mercer Global Advisors Inc., where he has held various roles since 2019. Prior to joining Mercer, Gee worked at AssetMark Brokerage, LLC and AssetMark Financial, Inc. Mercer Global Advisors serves individuals, families, small business owners, plan sponsors, foundations, non-profits, and endowments by providing discretionary and non-discretionary investment advisory services along with financial, tax, retirement, and estate planning. The firm’s investment approach is based on Modern Portfolio Theory, emphasizing globally diversified, risk-appropriate portfolios implemented through a combination of low-cost ETFs, index funds, separate account managers, and private funds.

Kelly Milligan is a financial advisor with Sanctuary Advisors, LLC, holding a Series 66 designation and 26 years of industry experience. Her prior roles include positions at Bank of America and Merrill Lynch. She serves as a committee member on the finance committee of the Lazarex Cancer Foundation, a nonprofit supporting end-stage cancer patients through assistance with clinical trial participation and related education. Sanctuary Advisors provides investment advisory and financial planning services to individuals, corporations, charitable organizations, trusts, estates, and retirement plans. The firm offers customized investment programs through a large network of independent advisors and affiliated entities, utilizing multiple account structures and third-party platforms to implement diverse investment strategies.

Richard Perry is a financial advisor at Empower Advisory Group with 24 years of industry experience. He holds a Series 66 designation and has previously worked at GWFS Equities, Wells Fargo Clearing, and JP Morgan Securities. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, offering integrated services tied to Empower’s recordkeeping and administrative platforms. The firm’s approach emphasizes long-term portfolio returns and annual rebalancing within plan lineups selected by plan sponsors.

Pardis Nikzad is a financial advisor with Mariner Wealth Advisors, holding Series 63 and Series 66 licenses and five years of industry experience. Prior to joining Mariner in 2025, she worked at Lion Street Financial, Ernst & Young, Bank of America, Merrill, and J.P. Morgan. Mariner serves a diverse client base including individuals, high-net-worth households, pension and profit-sharing plans, trusts, estates, charitable organizations, corporations, and private funds. The firm offers investment management, financial planning, retirement plan consulting, tax services, Core Family Office services, and employer financial wellness tools, utilizing a mix of discretionary, customized portfolios supported by in-house research and third-party managers.

Scott Toomasson is a financial advisor at Cerity Partners LLC with 17 years of industry experience. He holds the Series 63, Series 65, and Series 66 licenses. Prior to joining Cerity Partners in 2021, he worked at B|0|S, EP Wealth Advisors, and Private Capital Management Associates LLC. Cerity Partners is an SEC-registered investment adviser serving a broad 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 portfolios.

Austin Chow is a CFA® charterholder with eight years of industry experience. He is currently with RBC Rochdale, LLC, where he has worked since 2017, following two years at Beacon Pointe Advisors. RBC Rochdale serves a diverse client base including high net worth individuals, corporations, charitable organizations, and government entities. The firm employs an active, multi-strategy investment approach that incorporates quantitative and fundamental analysis, utilizing proprietary tools to tailor portfolios across various asset classes.

Dieuthy Guiley is a CFP® and holds a Series 65 license, currently serving as a financial advisor at Cerity Partners LLC with three years of industry experience. Prior to joining Cerity Partners in 2026, he worked at Freestone Capital Management, Peninsula Wealth, Silicon Valley Bank, and Wells Fargo Bank. 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 diverse client base including individuals, families, trusts, corporations, charitable institutions, and institutional investors, offering customized portfolios with a focus on diversified asset allocation and access to alternative and private-market investments.