Hallie Hart is a Series 66 licensed financial advisor with 27 years of industry experience. She has worked at UBS Financial Services since 2016 and previously spent 16 years at Merrill. Outside of her advisory role, she founded and operates Stick Your Wings Out, an educational blog and advocacy group focused on supporting parents of children with exceptional needs. UBS Financial Services serves individual, corporate, and institutional clients through a mix of brokerage and advisory services, offering financial planning, portfolio management, and access to mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management, supported by proprietary research and capital market resources.

Vicki Bowen is a financial advisor at Wells Fargo Clearing with 25 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at firms including J.P. Morgan Securities, Morgan Stanley, and A. G. Edwards & Sons. Bowen is currently based in Livermore, CA. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Frank Lizotte is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. He holds Series 63 and Series 66 credentials. His career history includes roles at JPMorgan Chase Bank, N.A., LPL Financial, The Golden 1 Credit Union, and Bank of the West. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments through a select group of Wealth Advisors. Their non-discretionary program focuses on written asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence and a combination of quantitative and qualitative research.

Patrick Cronin is a Senior Financial Advisor and Senior Vice President at Merrill Lynch Wealth Management with over 39 years of experience in the financial advisory field, including more than 30 years with Bank of America and Merrill Lynch. He specializes in developing personalized wealth management strategies designed to help clients build a strong financial foundation. His advisory services cover areas such as family wealth management, personal retirement planning, portfolio management, special needs planning, individual and corporate investment strategies, tax minimization, and retirement income planning. Patrick earned a Bachelor's Degree in Business from California State Polytechnic University, Pomona, where he was a member of the 1980 NCAA Baseball Championship Team. He holds the designation of Personal Investment Advisor (PIA). Patrick emphasizes working closely with clients to tailor financial strategies that reflect their unique objectives, maintaining a commitment to integrity and respect throughout the process. Outside of his professional work, Patrick is involved with the PGAHOPE Foundation and helps run a golf tournament supporting disabled veterans. He enjoys gardening, golfing, hiking, reading, and spending time with his family. Born and raised in Oakland, California, he currently resides in Danville, California, with his wife Erica and their three daughters.

Robert Johnson is a financial advisor at OSAIC with 34 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Merrill for 17 years and Securities America Advisors for 10 years. Outside of his advisory role, he serves as Secretary of the Dry Ridge Ranch Homeowners Association. OSAIC serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm emphasizes model-based asset allocation and portfolio optimization through a multi-advisor platform offering a range of brokerage and advisory services.

Winnie Guo is a CFP® professional with seven years of industry experience, currently serving at Charles Schwab since 2019. Her prior experience includes roles at Morgan Stanley, JP Morgan Chase, and Bank of America. Outside of her advisory work, she provides in-home care services for family members. Charles Schwab serves a large client base of 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 models with access to affiliated discretionary strategies and offers a centralized, integrated platform for custody, brokerage, and investment guidance.

Ryan Amador is a Wealth Management Advisor with Merrill Lynch Wealth Management. With over 26 years of experience in the banking and financial industry, he works closely with individuals and families to develop personalized financial strategies that align with their long-term goals. Ryan leverages the investment insights of Merrill Lynch Wealth Management and the banking services of Bank of America to provide comprehensive wealth management solutions. His areas of focus include education planning, family wealth management strategies, legacy planning, liquidity management, personal retirement planning, and socially responsible investing, among others. Ryan's approach begins with understanding each client's unique financial objectives to deliver tailored strategies aimed at helping clients pursue their goals through thoughtful portfolio and income planning. Ryan holds professional designations including Chartered Financial Consultant (ChFC), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). He earned his High School Diploma from Santa Monica High. Outside of his professional work, Ryan participates in community volunteering and enjoys personal interests such as baseball, billiards, cooking, fishing, football, golfing, music, reading, skiing, and swimming.

Michael Inman is a financial advisor at Charles Schwab with nine years of industry experience. He holds a Series 66 designation and has worked at Charles Schwab Bank and Charles Schwab & Co., Inc. since 2019. Prior to that, he was with AXA-Advisors, LLC for two years and worked at Chico State University for four years. 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 a combination of non-discretionary and discretionary investment guidance, supported by a multi-asset model portfolio approach and centralized operations.

Courtney Fisher is a financial advisor at Merrill with a Series 66 designation and six years of industry experience. She has worked at Bank of America, N.A. and Merrill since 2019 and previously spent two years at the University of Oregon. 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. The firm offers model-based and discretionary investment strategies supported by internal and third-party managers for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

John Zimmermann is a financial advisor at Morgan Stanley with nine years of industry experience. He holds the Series 66 designation and has been with Morgan Stanley since 2016, including four years at Morgan Stanley Private Bank, N.A. based in Walnut Creek, CA. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs and tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and emphasizes structured planning processes supported by firm-approved tools and investment research.

Ryan Freed is a financial advisor at Charles Schwab with six years of industry experience. He holds a Series 66 designation and has worked at Charles Schwab since 2019, including roles at Charles Schwab Bank and previously at Bank of America and Merrill. His background also includes various positions outside traditional wealth management, such as involvement with athletic organizations and educational institutions. 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 offers both non-discretionary and discretionary investment options, utilizing multi-asset model portfolios and alternative investment due diligence, supported by a large scale and integrated operational structure.

Stella Chay is a financial advisor at Fidelity with 11 years of industry experience. She holds Series 63 and Series 66 credentials and has worked in various capacities within Fidelity since 2015, including roles at Fidelity Brokerage Services LLC and FIDELITY Personal and Workplace Advisors. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including management of model portfolios that use a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its involvement with registered investment companies, use of AI-driven research methods, and its registered commodity pool operator status.

Jeneen Slack is a CFP®-certified financial advisor with 18 years of industry experience, currently affiliated with LPL Financial. Her prior work includes roles at Raymond James Financial Services, Summit Financial Group, and Cetera Advisors. In addition to her advisory work, she serves as an independent contractor for Summit Financial Group. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of investment programs and utilizes various portfolio strategies supported by research and operational tools.

Andrew Rubio Mendoza is a financial advisor with Charles Schwab, holding Series 63 and Series 66 licenses and four years of industry experience. His prior roles include positions at J.P. Morgan Securities LLC and JPMorgan Chase Bank, N.A. He has also worked in community and retail sectors, including the YMCA East Bay and Road Runner Sports. Charles Schwab & Co., Inc. serves primarily 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 a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by multi-asset model portfolios and a formal alternative-investment onboarding process.

Shannon Bosick serves as Vice President and Branch Leader, where she helps lead, coach, and inspire a team of financial professionals dedicated to partnering with families to achieve their financial goals through established standards of care. Prior to this role, she was a Vice President Regional Planning Consultant at Fidelity Investments from 2013 to 2025. Shannon holds a California Insurance License, supporting her expertise in the financial services industry. Outside of her professional work, she enjoys hiking and music.

Yahweh Khao Sok is a Financial Advisor at Merrill Lynch Wealth Management. He specializes in personal retirement planning, small business strategies, and tax minimization, providing tailored financial advice to his clients. He holds a Bachelor's Degree from Hawaii Pacific University. Outside of his professional responsibilities, Yahweh enjoys bowling, boxing, reading, running marathons, spending time with his family, traveling, and watching movies.

Mary Kennon is a financial advisor at UBS Financial Services with four years of industry experience. She holds a Series 66 designation and has worked at UBS since 2021. Her prior work includes roles at OM3, Inc., Ogden Contract Interiors, Inc., and Pequod's Pizza. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, offering financial planning, portfolio management, and a broad range of investment products. The firm combines institutional trading capabilities with wealth management, operating as a broker-dealer, investment adviser, and futures commission merchant.

Jyoti Sharma is a financial advisor at Morgan Stanley with 20 years of industry experience. She holds the Series 63 and Series 66 designations and has worked with Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2019. Prior to that, she was affiliated with Wells Fargo Clearing and Wells Fargo Investments. Sharma serves as a board member and officer for the Blackhawk Community Cares Foundation, a civic organization based in Fremont, California. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs and tailored financial planning to individual and institutional clients. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and market simulations.

Kurt King is a CFP® with 27 years of industry experience, currently serving as a financial advisor at Ameriprise in Walnut Creek, CA. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2015. Outside of his advisory role, he has reported involvement in non-investment-related real estate ownership. Ameriprise offers a retirement-income planning service targeted at individuals nearing or in retirement who meet certain asset criteria, combining research, modeling, and tax-efficiency strategies to produce personalized recommendation reports delivered in partnership with advisors like King.

Raymond Preston Jr. is a financial advisor with Equitable Advisors in Walnut Creek, CA, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He has been with Equitable Advisors since 1999 and previously worked at Axa Advisors. Preston also serves as a successor trustee for his immediate family. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a range of advisory programs delivered through a network of Investment Adviser Representatives, utilizing both proprietary and third-party investment solutions.