Roger Pelphrey is a financial advisor with Primerica Advisors in Danville, CA, holding Series 63 and Series 65 licenses and over 22 years of industry experience. He has been associated with PFS Investments Inc. since 2003 and Primerica Financial Services since 2002. Outside of his advisory role, he is a franchise owner of Osteostrong in Houston, TX and Dublin, CA, and works as a soccer referee in Danville. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and a limited number of separately managed account options to individual and high-net-worth clients. The firm curates third-party asset managers and employs a tiered wrap fee structure, with portfolio implementation delegated to BNY Mellon Advisors.

Arjun Rawat is a financial advisor at Edward Jones with eight years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at Bank of America, Merrill Lynch Pierce Fenner & Smith Inc, and Wells Fargo Clearing Services. He is based in San Ramon, CA. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Rashid Coleman is a financial advisor at J.P. Morgan Securities with 24 years of industry experience. He holds a Series 66 designation and has been with J.P. Morgan Securities since 2012, also working concurrently at JPMorgan Chase Bank, N.A. since 2009. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Lawrence Delano is a CFP® professional with 39 years of industry experience, currently serving at Wells Fargo Clearing since 2016. He previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides a broad range of brokerage and advisory solutions.

Michael Schomaker is a CFP® with 11 years of industry experience, currently serving as a financial advisor at Raymond James Financial. He previously worked at Securian Financial Services Inc. and Minnesota Life for eight years. Outside of his advisory role, he owns a rental property. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a wide range of clients, including individuals, corporations, and institutional accounts. The firm employs a non-discretionary, tailored approach utilizing risk profiling and modeling tools to support client goals and offers specialized services such as municipal advisory and SIMPLE IRA employer consulting.

Rosalinda Kalani is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2017. Prior to that, she was employed at San Francisco Foods Specialties and Wells Fargo Bank. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its investment recommendations.

Sharon Gutierrez is a CFA® charterholder with 17 years of industry experience. She has worked at Fisher Investments since 2016. Fisher Investments serves a global mix of institutional and private clients, including pension plans, foundations, and high-net-worth individuals, offering discretionary portfolio management across equity, fixed-income, and blended mandates. The firm uses a centralized investment process combining quantitative and qualitative research to construct globally diversified portfolios and employs tax-aware strategies and risk management techniques.

Toan Ta is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. He has been with Bank of America and Merrill since 2015. 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, pension and profit-sharing plans, corporations, and charitable organizations.

Jensen Dansie is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 11 years of industry experience. His career includes roles at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2014. J.P. Morgan Securities LLC provides institutional consulting services to clients such as corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

David Ninekirk is a CFP® professional with 33 years of experience, currently serving as a financial advisor at Charles Schwab in San Ramon, CA. He has worked with Charles Schwab since 2000 and Charles Schwab Bank since 2005. Charles Schwab & Co., Inc. serves a large client base, 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers a multi-asset model portfolio approach supported by centralized custody and operational infrastructure.

Paolo Coronel is an Investment Consultant at Fidelity Investments, where he has been serving clients since 2025. He collaborates with clients to help them develop financial strategies tailored to their retirement, wealth management, and overall financial well-being. Paolo leverages Fidelity's broad resources to provide insight and support for important financial decisions. Prior to his current role, Paolo worked as a Planning Consultant at Fidelity Investments from 2023 to 2025. He also has experience as an Associate Advisor and Paraplanner at Insight Wealth Strategies, LLC between 2019 and 2023, and began his career as a Paraplanner at Ameriprise Financial Services from 2018 to 2019. Paolo holds a California Insurance License and is a Certified Financial Planner (CFP®) professional. Outside of his professional work, Paolo has interests in cooking and baking, golf, music, and theater.

James Knipple is a financial advisor with Edward Jones in Redwood City, CA, holding a Series 66 credential and seven years of industry experience. He has worked at Edward Jones since 2018 and previously held various roles connected to theater and education. He serves as a trustee on the Finance Committee for TheatreWorks Silicon Valley in an advisory capacity. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and operates under a fiduciary standard.

Michelle Piper is a financial advisor at J.P. Morgan Securities with 16 years of industry experience. She has worked at J.P. Morgan Securities since 2012 and has been with JPMorgan Chase Bank, N.A. since 2009. Piper holds Series 63 and Series 65 designations. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, offering asset-allocation advice, investment manager and fund searches, and customized performance reporting. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Dan Roasa is a financial advisor with Charles Schwab in San Mateo, CA, holding Series 63 and Series 65 licenses and bringing 21 years of industry experience. His prior work includes roles at Fidelity Personal and Workplace Advisors and Fidelity Investments. 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 guidance with access to affiliated discretionary separately managed accounts, utilizing multi-asset model portfolios and a formal alternative-investment selection process.

Craig Rosenblatt is a financial advisor with Cetera, holding a Series 66 designation and over 23 years of industry experience. He has been with Cetera and its related entities since 2013 and operates his own financial planning and advisory business under the name Rosenblatt Advisors. Rosenblatt is also a licensed CPA providing tax preparation and advice and is involved in fixed insurance sales. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with various discretionary and non-discretionary portfolio management options and access to third-party money managers.

Warren Cheung is a financial advisor with UBS Financial Services in Castro Valley, CA, holding Series 63 and Series 66 licenses and bringing 32 years of industry experience. He has been with UBS since 2013. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining proprietary capital market research and model-based asset allocations to tailor financial plans. The firm also operates with institutional trading capabilities alongside wealth management services.

John Vinci is a financial advisor at UBS Financial Services with 13 years of industry experience. He holds a Series 66 designation and has worked at UBS since 2022. Prior to UBS, he spent 10 years at Charles Schwab and Charles Schwab Bank. Outside of his advisory work, Vinci serves as a basketball league commissioner for Bay Club. UBS Financial Services provides brokerage and investment advisory services to individual, corporate, and institutional clients, offering financial planning, portfolio management, and a range of capital markets services through a large network of advisors.

Gulneer Sarang is a financial advisor at Charles Schwab with 14 years of industry experience. She holds Series 63 and Series 66 licenses. Her prior work includes roles at Bank of America, Merrill, and Wells Fargo. 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 blend of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by a multi-asset investment approach and centralized operational infrastructure.

David Fung is a financial advisor at LPL Financial in San Mateo, CA, holding a Series 66 designation with three years of industry experience. Prior to joining LPL Financial in 2025, he worked at NEXT Financial Group, Inc. and held engineering roles at Applied Materials and Lam Research. Fung is also employed as an engineer at TSMC outside of his advisory work. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management supported by research from internal and third-party sources.

Michael Cott is a financial advisor with Morgan Stanley in Pleasanton, CA, holding Series 63 and Series 66 licenses and bringing 42 years of industry experience. He has been with Morgan Stanley and its Private Bank division since 2014 and 2015, respectively. Morgan Stanley Wealth Management provides advisory services and financial planning to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm employs structured planning processes and offers a range of investment programs, combining broad retail and institutional capabilities.