Julian Demalleville is a financial advisor with Wells Fargo Clearing in Palo Alto, CA, holding a Series 66 designation and bringing nine years of industry experience. His prior roles include positions at Morgan Stanley Private Bank and Ameriprise Financial Services. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes both discretionary and non-discretionary services, with a notable range of financial product offerings including insurance-related vehicles and bank deposit sweep options.

Kellie Morlock is a financial advisor at Edward Jones with two years of industry experience. She holds a Series 66 designation and has been with Edward Jones since 2012. Outside of her advisory role, she is an independent consultant for a nutrition and beauty products line. 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 strategies, supported by a large network of financial advisors and branch offices nationwide.

Lee Richlin is Vice President and Financial Consultant at Fidelity Investments, a position held since 2019. In this role, Lee assists clients in understanding their financial situations, planning for future financial needs, and making informed decisions for their present and future financial well-being. Lee's professional experience includes various roles at Fidelity Investments, starting as an intern in 2012 and progressing through positions such as Financial Representative and Relationship Manager before attaining the current role. Additionally, Lee worked as an Internal Sales Executive at Vanguard from 2017 to 2019. Lee holds a California Insurance License. Outside of professional activities, Lee's personal interests include comedy, concerts, pets, and table tennis.

Arnold Mc Queary is a financial advisor with Charles Schwab in Foster City, CA, holding Series 63 and Series 65 licenses and having 40 years of industry experience. He has been with Charles Schwab since 2000 and previously worked at optionsXpress, Inc. from 2013 to 2017. 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 combines a primarily non-discretionary client relationship model with access to discretionary separately managed accounts, offering multi-asset model portfolios and alternative investment options supported by centralized custody and supervisory systems.

Kevin Carlson is a Senior Financial Advisor with Merrill Lynch Wealth Management, where he has worked since 2005. In his role, he focuses on serving ultra-affluent clients by creating customized financial strategies that address their complex needs and long-term objectives. Kevin has experience working with technology entrepreneurs and corporate executives who have gone through liquidity events, offering expertise in areas such as pre- and post-IPO strategies, stock management, mergers, and private sales. His client focus includes equity compensation services, family wealth management, legacy planning, liquidity management, and retirement planning among others. He holds a Bachelor's Degree from the University of California, San Diego, and professional designations including Chartered Financial Consultant (ChFC) and Personal Investment Advisor (PIA). Kevin lives in Atherton, California with his wife Allison and their three children.

Clarence Row Jr. is a financial advisor with Ameriprise in San Francisco, holding a Series 63 designation and 38 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets, utilizing a centralized consulting team to deliver customized, model-based recommendations that integrate tax efficiency and asset management strategies.

Kendel Shapses is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and having seven years of industry experience. He has worked at Wells Fargo since 2017 and has additional experience as an instructor at several community colleges, teaching financial strategies for successful retirement. Outside of advising, he is a co-owner of a wedding and event venue and works as a fitness coach. 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 uses research and analytics for investment evaluation and offers a range of brokerage and advisory solutions.

Didem Deniz is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and four years of industry experience. She has been with Wells Fargo Clearing since 2021 and also has experience at Wells Fargo Bank, N.A. since 2018. Prior to her financial services career, she worked at Appen and Hanna Interpreting Services. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a broader range of financial product offerings than typical for large institutional advisers.

Suzanne Sickel is a financial advisor with Wells Fargo Clearing in Palo Alto, CA, holding Series 63 and Series 65 licenses and 25 years of industry experience. She has worked with Wells Fargo entities since 2009, including Wells Fargo Advisors LLC prior to her current role. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm’s advisory process is driven by investment policy statements and modern portfolio theory, and it includes a broader range of financial products than typical for large institutional advisers.

Judy Mak is a financial advisor with Wells Fargo Clearing in San Francisco, CA, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously at WELLS FARGO Advisors, LLC from 2011 to 2016. Outside of advising, she owns and manages a rental property business in Pacifica, CA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advisory options. The firm’s investment approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Alex West is a CFP® professional with 10 years of industry experience, currently affiliated with Charles Schwab in San Francisco, CA. His prior experience includes roles at Fidelity Personal and Workplace Advisors and Fidelity Brokerage Services LLC. Outside of his advisory work, he is involved in managing rental property holdings. Charles Schwab 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 affiliated discretionary separately managed accounts and offers multi-asset model portfolios supported by centralized custody and supervision.

Michael Kenyon is a Series 66-licensed financial advisor with six years of industry experience. He is currently affiliated with LPL Financial in San Francisco, where he began in 2025. His prior experience includes roles at CUSO Financial Services, Bank of America, Merrill, Charles Schwab, Edward Jones, and other firms. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, and institutions through a nationwide network of advisers. The firm offers a range of advisory programs, financial planning, and retirement consulting, with access to model portfolios, research, and various investment strategies.

Stephen Lo is a financial advisor at Morgan Stanley in San Mateo, CA, with 32 years of industry experience. He holds the CFP® designation along with Series 63 and Series 65 licenses. His prior work includes nine years at Wells Fargo Clearing and five years at Wells Fargo Advisors. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individuals and institutions, including tailored financial planning services supported by firm-approved tools and extensive client asset management.

Alain Cousin is a financial advisor at Morgan Stanley with seven years of industry experience. He previously worked at Bank of America and Merrill for nine years combined and spent a year at Raiser LLC. Outside of his advisory role, he serves as a licensed soccer referee with the Peninsula Soccer Referee Association. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individual and institutional clients, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-sponsored financial planning services.

Peiyi Lin is a financial advisor at Morgan Stanley with a Series 66 designation and four years of industry experience. Their prior roles include positions at Citibank, N.A. and Old Republic Title Company. Peiyi is based in San Mateo, CA. Morgan Stanley Wealth Management offers a broad range of advisory programs to individuals and institutions, with a financial planning process that uses structured discovery and firm-approved tools to develop client plans. The firm manages approximately $2.74 trillion in client assets and provides services both directly and through corporate financial planning agreements.

Aaron Nichols is a financial advisor at J.P. Morgan Securities with 22 years of industry experience. He holds Series 63, Series 65, and Series 66 designations and has worked at J.P. Morgan and First Republic Investment Management since 2012. Outside of his advisory role, he is a passive investor and partner in a hospitality venture centered on a winery in Napa, California. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing a combination of quantitative asset-allocation modeling and centralized due diligence. The firm delivers non-discretionary services through a select group of Wealth Advisors, applying an ESG eligibility framework when recommending strategies.

Trevor Davies is a Planning Consultant at Fidelity Investments, where he collaborates with advisors and their clients to develop personalized financial strategies tailored to their individual priorities. He has held his current position since 2025, following previous roles at Fidelity Investments as a Relationship Manager from 2024 to 2025 and as a Financial Representative from 2023 to 2024. Trevor holds a California Insurance License, which supports his work in financial planning and consulting. Outside of his professional career, he has interests in biking, cars, fitness, food, and hiking.

Jonathan Noriega is a financial advisor at Edward Jones in San Carlos, CA, holding a Series 66 designation with seven years of industry experience. His prior roles include positions at Wells Fargo Clearing, Morgan Stanley Advisors, and BDO USA LLP. Edward Jones is a full-service wealth management firm serving individual and institutional clients, with approximately $1.01 trillion in assets under management. The firm offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Phuong Hart is a Series 66 licensed financial advisor with five years of industry experience, currently practicing at Edward Jones since 2021. Prior to joining Edward Jones, Hart worked at Wells Fargo Bank for six years. Outside of finance, Hart assists with administrative duties for a kitchen and bath design business in Roseville, California. 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 strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and operates a nationwide network of financial advisors and branch offices.

Caryn Augst is a CFP® professional affiliated with LPL Financial, bringing 38 years of industry experience. Her prior roles include positions at MetLife Securities Inc., Massachusetts Mutual Life Insurance Company, Lincoln Financial Advisors Corporation, and Mass Mutual Investors Services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement plan consulting, and brokerage services, with both discretionary and non-discretionary management options supported by research and various portfolio management strategies.