Khoa Luong is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing nine years of industry experience. He has been with J.P. Morgan in various roles since 2017, including positions at JPMorgan Chase Bank and JP Morgan Securities LLC. Prior to that, he worked at Enterprise Holdings for three years. 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. The firm combines institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis while clients retain decision-making authority.

Scott Edington is a Senior Financial Advisor at Merrill Lynch Wealth Management. In this role, he and his team specialize in providing wealth management strategies tailored to corporate executives, business owners, and retirees. They focus on key areas such as executive compensation, family wealth management strategies, liquidity management, personal retirement planning, small business strategies, tax minimization, and retirement income. Edington works closely with clients to develop personalized financial plans aimed at preserving and growing wealth, mitigating taxes, supporting loved ones, and facilitating charitable giving. His approach is founded on the principle that clients' goals are the central focus of their financial strategies. He emphasizes empowering clients to make better decisions through flexible strategies adaptable to changing market conditions. He holds the Personal Investment Advisor (PIA) designation and attended Butte College without earning a degree, and he completed high school at Granada High School. Edington is also engaged in his community, following Merrill's tradition of participation by volunteering with local organizations.

Samer Georges is a Financial Consultant at Fidelity Investments, where he collaborates with clients to develop strategies tailored to their individual priorities and evolving goals. His approach emphasizes transparency and partnership, helping clients navigate financial options with clarity and confidence to create informed plans aligned with their values. He has been with Fidelity Investments since 2024, initially serving as an Investment Consultant before becoming a Financial Consultant. Prior to that, Samer worked at JPMorgan Wealth Management as a Private Client Advisor from 2021 to 2024 and as a Private Client Banker at JPMorgan Chase from 2019 to 2021. He holds a California Insurance License. Outside of his professional work, Samer enjoys spending time at the beach, social events with friends, watching movies, playing soccer, swimming, and traveling.

Brendan Noonan is a CFP®-certified financial advisor with 14 years of industry experience, currently with Raymond James Financial Services Advisors, Inc. He previously worked at Sgc Financial and Securian Financial Services Inc. for 11 years. He also serves as an independent contractor financial advisor at Summit Financial Group. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and utilizes analytical tools to support client goals, with specialized municipal and public finance capabilities.

Dharma Westphal is a financial advisor with Primerica Advisors in San Ramon, CA, holding Series 63 and Series 65 licenses and three years of industry experience. Prior to joining Primerica Advisors, Dharma has held various roles within Primerica Financial Services and has experience outside finance including work with The Dance Center and Summerfield Waldorf School and Farm. Outside of advisory work, Dharma is an independent contractor for Twitch Interactive, dedicating several hours monthly. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and a limited number of separately managed account options. The firm uses third-party asset managers and BNY Mellon Advisors for trading and emphasizes a tiered wrap fee structure.

Amy Cook is a CFP® professional with 17 years of industry experience, currently serving as a financial advisor at LPL Financial since 2021. She has a diverse background including roles in insurance, financial planning, and business ownership, as well as community involvement with the Police Activities League and the San Mateo Chamber of Commerce. Outside of finance, Amy is an author of children’s books and financial education materials. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides a range of advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers financial planning, model portfolios, third-party asset management, and institutional platforms, supported by extensive advisor-facing tools and a broad scope of financial activities.

David Hoang is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. He holds Series 63 and Series 66 credentials and has been with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2014. 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 an ESG eligibility framework.

Victoria Watson is a financial advisor with Edward Jones in Alameda, CA, holding a Series 66 designation and 16 years of industry experience. She has been with Edward Jones since 2010. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment strategies supported by a large network of financial advisors and branch offices across the country.

Jiaying Ma is a financial advisor with Charles Schwab holding a Series 66 designation and two years of industry experience. She previously worked at iBest Learning Center for six years before joining Charles Schwab and Charles Schwab Bank, SSB. 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 discretionary separately managed accounts, supported by a centralized operational structure and multi-asset investment approaches.

Man Shing Wong is a financial advisor at Merrill with eight years of industry experience. He holds a Series 66 designation and has been with Merrill and Bank of America since 2010. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program. The firm serves a diverse client base including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations, offering model-based and discretionary investment strategies developed by internal and third-party managers.

PJ Rich is an Investment Consultant with experience in wealth management and financial advisory roles. He has worked as a Financial Solutions Advisor at Bank of America Merrill from 2024 to 2026 and as a Wealth Management Associate at Equitable Advisors from 2023 to 2024. He holds a California Insurance License. PJ believes that successful financial planning starts with understanding the individual goals and values of each client. He emphasizes building lasting relationships based on trust, transparency, and personalized guidance to help clients make informed financial decisions throughout different stages of life. Outside of his professional work, PJ has interests in beach activities, fitness, golf, hiking, skiing, and traveling.

Ronnie Raroque is a financial advisor with LPL Financial in San Mateo, CA, holding a Series 63 designation and 33 years of industry experience. He has been with LPL Financial since 2008, following roles at U.S. Bancorp Investments and Citicorp Investment Services. Raroque also operates Raroque Wealth Management, where he is involved in non-variable insurance services. 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, supported by a large network of investment adviser representatives.

Daniel Beltran is a CFP®-certified financial advisor at LPL Financial with 21 years of industry experience. He has held roles at United Planners' Financial Services of America and Vitucci & Associates, among others. He is also involved in a non-variable insurance agency under the name Plantran Financial. 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 financial planning, model portfolios, third-party asset management, and various institutional platforms, supporting advice through discretionary and non-discretionary strategies.

Michael Herberger is a financial advisor with Cetera, holding a Series 66 designation and 25 years of industry experience. He has worked at Cetera since 2021, previously serving at VOYA Financial Advisors and Osaic FA, Inc. Michael is also an independent insurance agent involved in the sales of fixed insurance products. Cetera Investment Advisers LLC is an SEC-registered firm serving 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 that includes affiliated and third-party managers, with over $256 billion in assets under management across more than 10,000 advisors.

Lois Leynse is a financial advisor with Cetera based in Oakland, CA. She holds Series 63 and Series 65 licenses and has 28 years of industry experience, including over 27 years with Avantax Advisory Services. In addition to her advisory work, she has operated the Financial Fitness Center since 1993, specializing in tax preparation and supervision. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a multi-manager platform offering discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Christopher Patten is a financial advisor at Charles Schwab in San Mateo, CA, holding a Series 66 designation with less than one year of industry experience. His prior background includes roles at SESLOC Credit Union, Cal Poly Associated Students, Inc., and various positions related to education and outdoor activities. 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 recommendations and discretionary separately managed accounts, supported by a multi-asset investment approach and centralized operational infrastructure.

Weina Hou is a financial advisor at Ameriprise with 15 years of industry experience. She holds Series 63 and Series 66 designations and has previously worked at East West Bank, Cetera, and Bank of America. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, notable for its specialized Premier Retirement Income service that provides tailored retirement-income planning through a combination of proprietary research, third-party data, and algorithmic tools.

Cade Mayer is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 66 credentials and four years of industry experience. Prior to his current role, he worked at Lululemon for three years and served as an independent golf instructor for two years. He is involved with Protected Investors of America in a marketing capacity. Cambridge Investment Research Advisors serves a diverse client base, including individuals, retirement plans, charitable organizations, and trusts, providing financial planning, investment management, and retirement plan advisory services through a network of independent professionals. The firm offers a range of investment solutions, including proprietary models and access to unaffiliated strategists, with both discretionary and non-discretionary management tailored to client goals.

Ian Tang is a Senior Financial Advisor with Merrill Lynch Wealth Management. He specializes in education planning, managing new wealth, personal retirement planning, and tax minimization. Ian works closely with clients to develop personalized financial strategies aimed at helping them pursue their long-term goals. He holds a Bachelor's Degree from the California State University System and holds the Professional Investment Advisor (PIA) designation. Ian also engages in community service through volunteer work, reflecting the Merrill tradition of local involvement. Outside of his professional role, he enjoys fishing, golfing, softball, and spending time with his family.

Steve Stevens is a financial advisor with Charles Schwab in Oakland, CA, holding Series 63, 65, and 66 licenses and 26 years of industry experience. His prior roles include positions at Merrill Lynch, Advisor Group Inc., and Schwab Wealth Advisory, Inc. 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios supported by in-house research and alternative investment due diligence.