Eddy Shum is a CFP® and PFS™ with 37 years of experience in the financial industry. He is currently with LPL Financial and has held prior roles at Grove Point Investments, Grove Point Advisors, H. Beck, and USA Financial Securities Corporation. Shum also operates Peak Retirement, Inc., a business entity he has maintained since 1999. 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 representatives. The firm offers a range of advisory programs and services, utilizing model portfolios and research from multiple sources, and provides both discretionary and non-discretionary portfolio management.

Darrin Chow is a Financial Consultant currently working at Fidelity Investments since 2022. He has held various roles in the financial services industry, including Senior Financial Consultant at E*TRADE Securities, LLC from 2014 to 2022, Financial Advisor at BancWest Investment Services, Inc. from 2013 to 2014, Financial Solutions Advisor at Merrill Edge from 2011 to 2013, and Paraplanner at Ameriprise Financial Services, Inc. from 2010 to 2011. His approach involves co-creating customized financial strategies focused on long-term goals, emphasizing individual definitions of financial independence. Darrin holds a California Insurance License. Outside of work, Darrin engages in personal interests such as hiking, movies, music, reading, tennis, and traveling.

Elizabeth Sackett is a financial advisor with UBS Financial Services in San Francisco, holding Series 63 and Series 65 designations and with 30 years of industry experience. She has been with UBS since 1993. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor investment plans.

Nicholas Rogers is a financial advisor with Morgan Stanley in Burlingame, CA, holding a Series 63 designation and bringing 31 years of industry experience. He has worked at various Morgan Stanley entities since 2008, including Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and tailored financial planning services supported by structured discovery conversations and firm-approved planning tools.

Veronique Hsu is a financial advisor at Edward Jones with a Series 66 credential and one year of industry experience. Prior to joining Edward Jones, she worked at Trader Joe's and held various roles at Temple University and other organizations. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions, managing approximately $1.01 trillion in assets through a large network of financial advisors and branch offices nationwide.

Jared McCray is a Vice President and Financial Consultant at Fidelity Investments. He focuses on partnering with successful individuals and families to align their wealth with their vision of financial freedom. Jared helps clients create financial plans that identify opportunities, address potential risks, and provide a clear path forward. Through ongoing monitoring, proactive guidance, and strategic adjustments, he assists clients in navigating change while keeping their financial decisions aligned with their goals and values. Jared has extensive experience in the financial industry, having held various roles at Fidelity Investments since 2012, including Financial Representative, Investment Representative, Financial Consultant, and now Vice President, Financial Consultant. Prior to joining Fidelity, he was a Registered Representative at First Investors from 2011 to 2012. He holds a California Insurance License. Outside of his professional work, Jared's personal interests include beach activities, fitness, scuba diving, snowboarding, and traveling.

Xing Liu is a financial advisor with J.P. Morgan Securities in San Francisco, holding a Series 66 designation and three years of industry experience. Prior to joining J.P. Morgan Securities LLC, Liu worked at JPMCB (China) Co Ltd, Zhong Ou Asset Management, and BNP Paribas. 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 its Wealth Advisors. The firm combines institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

Devenaire Wright is a financial advisor at Charles Schwab based in Oakland, CA, holding Series 63 and Series 66 designations with one year of industry experience. Prior to joining Schwab, Wright held positions at several firms including Price Family INEOS Grenadier of Marin and Northwestern Mutual. Before entering the financial industry, Wright worked at Toyota for five years. 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, offering a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts.

Robert Sutton is a financial advisor at Morgan Stanley with 32 years of industry experience. He holds Series 63 and Series 65 credentials and has worked with Morgan Stanley and its Private Bank since 2014 and 2015, respectively. He is based in San Francisco, CA. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides planning services both directly and through employer agreements.

Patrick Waters currently serves as a Planning Consultant at Fidelity Investments, a role he began in 2024. In this capacity, he assists clients in developing effective investment strategies and financial plans that aim to provide them with peace of mind. Prior to joining Fidelity Investments, Patrick held various marketing and leadership positions within the financial services industry. His experience includes roles such as Senior Marketing Consultant at Splendeftly Marketing Consulting, LLC; Head of ESG and Retirement Marketing at Allspring Global Investments - Wells Fargo Asset Management; Head of Defined Contribution Marketing at State Street Global Advisors; Director of Institutional Marketing at BlackRock; and Director of Marketing at Charles Schwab. He holds a California Insurance License. Outside of his professional work, Patrick has interests in art, biking, cooking and baking, enjoying food, movies, and volunteering.

Bruce Mcmillan is a financial advisor at Wells Fargo Clearing with 45 years of industry experience. He holds Series 63 and Series 65 designations and has been with Wells Fargo Clearing since 2016, previously working at Wells Fargo Advisors from 2013 to 2016. Outside of his advisory role, he serves on the investment committee and board of trustees for the St. Andrew’s Society of San Francisco, which promotes Scottish art, culture, and music. 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 investment approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

John Sturiale is a CFP® with 26 years of industry experience currently with Charles Schwab in Danville, CA. He has held various roles within the Schwab organization since 2012, including positions at Charles Schwab Trust Bank, Charles Schwab Investment Advisory, Inc., and Charles Schwab Bank. Charles Schwab & Co., Inc. serves a large client base mainly consisting of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program. The firm combines non-discretionary advisory services with access to discretionary separately managed accounts and offers integrated brokerage, custody, and advisory solutions supported by a centralized operational structure.

Rajiv Eluthesen is a Wealth Management Advisor at Merrill Lynch Wealth Management. He began his career with Merrill Lynch in 2010 after graduating from the University of California at Berkeley's Haas School of Business. Rajiv works collaboratively with clients across various stages of their financial lives, developing tailored wealth management strategies to support retirement, education planning, stock options, and RSUs management, among other goals. He holds the CERTIFIED FINANCIAL PLANNER™ certification and Personal Investment Advisor designation. Rajiv's professional expertise includes education planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management services, socially responsible and ESG investing, women and wealth, tax minimization, and retirement income strategies. He is a member of the Peninsula Velo cycling team. Outside of his professional work, Rajiv enjoys cycling, ski trips, hiking, camping, cooking, reading, and spending time with his family. He has combined his interests in travel and cycling through activities such as riding from Barcelona to France.

David Lim is a financial advisor at Merrill with 12 years of industry experience and holds a Series 66 credential. His prior work includes roles at Bank of America, N.A., Citigroup, and First Republic Securities Company, LLC. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries. The firm operates within Bank of America’s broader platform, providing access to a wide array of products and services.

Kenneth Vercellino is a financial advisor with Raymond James & Associates in San Francisco, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. Prior to joining Raymond James in 2022, he worked at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities Inc. from 2010 to 2022. Raymond James & Associates offers financial planning and investment consulting to a diverse client base including individuals, employer-sponsored retirement plans, corporate and charitable entities, as well as state and municipal governments. The firm provides tailored financial plans and investment recommendations through its Wealth Advisory Services Program and institutional consulting via its Institutional Fiduciary Solutions division.

Natalia Koritskaya is a CFP® professional with 11 years of industry experience, currently advising clients at LPL Financial since 2025. She previously spent a decade with Ameriprise from 2015 to 2025. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, supporting both discretionary and non-discretionary management with research and model portfolios.

Blake Welpton is a Wealth Management Advisor with over 25 years of experience in the financial industry. He is dedicated to helping clients achieve their long-term financial goals through a comprehensive and personalized wealth management process. Blake offers expertise in investments, wealth and risk management, retirement planning, long term care, education, divorce, and estate planning services. He provides clients with access to the resources of Merrill Lynch Wealth Management and the banking services of Bank of America. Blake holds the Chartered Financial Consultant (ChFC) and Certified Divorce Financial Analyst (CDFA) designations. He earned a Bachelor's degree from California State University San Francisco. His approach emphasizes personalized service aimed at making the financial aspects of life easier for his clients. Outside of his professional work, Blake enjoys basketball, billiards, boating, bowling, football, gardening, spending time with family, swimming, and traveling. He is active in the community, supporting organizations such as Beyond Emancipation and Children's International.

Victor Tan is a financial advisor at UBS Financial Services with 27 years of industry experience. He has been with UBS since 2015 and holds the Series 66 designation. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services, utilizing proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances.

David Hines is a CFP®-certified financial advisor with 12 years of industry experience, currently serving clients at Charles Schwab. He has been with Charles Schwab & Co., Inc. since 2014 and Charles Schwab Bank, SSB since 2016, both located in San Francisco, CA. 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 and discretionary investment options, integrating multi-asset model portfolios, alternative investments, and centralized custodial and brokerage services.

Larry Shaw is a financial advisor at Morgan Stanley with 33 years of industry experience. He holds the Series 63 and Series 65 designations and has been with Morgan Stanley and its affiliated private bank since 2011. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and strategies. The firm manages approximately $2.74 trillion in client assets and serves clients through both direct relationships and Corporate Financial Planning agreements.