Kathryn Holland is a CFP® with nine years of experience in the financial services industry. She has worked at LPL Financial since 2023 and previously held roles at Fremont Bank, Edward Jones, International Research Securities, Inc., and APEX Movement. Outside of her advisory work, she is involved in youth hockey through scorekeeping and coaching and operates an Etsy store as a designer and creator. 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 solutions, including model portfolios, third-party asset management, and institutional platforms, supported by technology tools and a broad network of advisors.

Robert Wheeler is a financial advisor with Charles Schwab & Co., Inc. in Daly City, CA, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. He has worked at Charles Schwab since 2019 and previously spent two years with Wells Fargo Clearing. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals, offering advisory, brokerage, custody, and financial planning services through its Schwab Wealth Advisory wrap fee program. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and employs a multi-asset strategic allocation approach with periodic reviews and research-backed due diligence.

Cameron Briggs is a Financial Consultant at Fidelity Investments, a role he has held since 2023. He has held various positions within Fidelity Investments since 2021, including Investment Consultant, Planning Consultant, Relationship Manager, and Financial Representative. Prior to his tenure at Fidelity, Cameron gained experience as a Wealth Management Intern at Morgan Stanley from 2019 to 2020. Cameron is licensed with a California Insurance License, enabling him to provide investment and retirement guidance tailored to the unique situations of his clients. He utilizes historical data and Fidelity's statistical analysis to partner with clients and offer suggestions throughout each phase of their financial circumstances. Outside of his professional work, Cameron has interests in baseball, fitness, social events with friends, horseback riding, and surfing.

Wendell Graham is a financial advisor with J.P. Morgan Securities in San Carlos, CA, holding a Series 66 designation and five years of industry experience. His prior roles include positions at Morgan Stanley and Edward Jones. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory approach combines systematic quantitative screens with qualitative research and incorporates ESG eligibility frameworks in its recommendations.

Steven Zeller is a financial advisor at Wells Fargo Clearing with 27 years of industry experience. He has held positions at Wells Fargo Clearing since 2016 and previously worked at A. G. Edwards & Sons, Inc. from 2001 to 2008. He holds a Series 63 designation and is based in Palo Alto, California. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm combines research and analytics with diversification principles to evaluate investment options and offers both brokerage and advisory solutions through a large network of financial advisors.

David Le is a financial advisor at J.P. Morgan Securities with 8 years of industry experience. He holds Series 63 and Series 66 licenses and has worked in various roles since 2013, including positions at GMGB, Inc and JPMorgan Chase Bank, N.A. Outside of finance, he was involved with Stella Boo Corporation, operating a dessert and drinks business for six years. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research and includes ESG considerations, supporting clients in making informed investment decisions.

Jonathan Vera is a CFP® professional with eight years of industry experience, currently affiliated with Charles Schwab in Menlo Park, CA. He has worked at Charles Schwab & Co., Inc. since 2017 and Charles Schwab Bank, SSB since 2024. Outside of his financial advisory role, he owns and manages inventory for a retail business specializing in Lego products. Charles Schwab & Co., Inc. serves a broad client base primarily consisting of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and associated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts, offering multi-asset model portfolios supported by research from the Schwab Center for Financial Research.

Kov Tallam is an Investment Consultant at Fidelity Investments, a role he has held since 2026. He previously served in various positions at Fidelity Investments, including Planning Consultant from 2025 to 2026, Relationship Manager from 2024 to 2025, and Financial Representative from 2023 to 2024. In his professional work, Kov focuses on co-creating financial plans tailored to his clients' individual goals and circumstances. He employs a dynamic and precise approach to financial planning, aiming to provide objective and pragmatic guidance. Kov holds a California Insurance License. Outside of his professional life, Kov has interests in art, the beach, board games, cooking and baking, fitness, and soccer.

Michael Lam is a financial advisor at J.P. Morgan Securities based in San Francisco, CA, with 13 years of industry experience. He holds Series 63 and Series 66 credentials and has worked across various divisions of JPMorgan Chase since 2015. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm combines systematic quantitative screening with qualitative research to develop model asset allocations and incorporates ESG eligibility frameworks in its recommendations.

Emiliano Siqueiros is a financial advisor with UBS Financial Services in Palo Alto, CA, holding a Series 66 designation and two years of industry experience. His prior roles include positions at Bank of America and Door Dash. UBS Financial Services serves individual, corporate, and institutional clients through a blend 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, utilizing proprietary research and model-based asset allocations to tailor client plans.

Karen Glomb is a Series 66-licensed financial advisor at Wells Fargo Clearing with 18 years of industry experience. She has held positions at several major firms, including J.P. Morgan Securities and UBS Financial Services. Glomb is based in Palo Alto, 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 combines research and analytics with diversification principles and modern portfolio theory to provide both brokerage and advisory solutions.

Therese Cleary Whiting is a financial advisor with Charles Schwab in Menlo Park, CA, holding a Series 66 designation and over 20 years of industry experience. She has been with Charles Schwab and Charles Schwab Bank since 2005 and operates TMC Consulting, a marketing and business development consultancy, on a part-time basis. Whiting occasionally undertakes small projects independently outside of her advisory role. 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 a multi-asset investment approach supported by centralized custodial and operational services.

Paul Mills is a financial advisor at Morgan Stanley with a Series 66 credential and one year of industry experience. Prior to joining Morgan Stanley in 2026, he worked at Clavius Wealth Management and has a background that includes roles in education and community involvement, including ongoing work with ADVNC Lacrosse since 2022. 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, including tailored financial planning that utilizes structured discovery processes and firm-approved tools.

Patrick Phillips is a financial advisor with LPL Financial in San Leandro, CA, holding Series 63 and Series 65 licenses and 14 years of industry experience. His prior work includes roles at Bank of America, Merrill, and Wells Fargo Clearing. Outside of his advisory work, he is a business owner of Whiskey Riot LLC, a non-investment related venture based in Sacramento. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services including financial planning, model portfolios, third-party asset management, and institutional platforms.

Po Teng is a CFP® with four years of industry experience, currently serving as a financial advisor at Fidelity in San Francisco. His prior work includes roles at JPMorgan Chase Bank, Bank of America, Merrill, and Brio Financial Group. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, employing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage diversified portfolios and funds.

Lin Qian Shao is a financial advisor at UBS Financial Services with a Series 66 designation and five years of industry experience. Prior to joining UBS in 2021, Shao worked at TD Ameritrade and has a background that includes roles in retail and nonprofit sectors. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, combining proprietary capital market research with model-based asset allocations to tailor financial plans. The firm operates with a broad range of capabilities, including fiduciary fee-based financial planning, discretionary portfolio management, and institutional trading activities.

Bradley Grayson is a financial advisor at Wells Fargo Clearing with 25 years of industry experience. He holds a Series 66 designation and has worked at Wells Fargo Clearing since 2016, following prior roles at Wells Fargo Investments and Morgan Stanley. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm manages approximately $671 billion in assets and combines research from Wells Fargo Investment Institute with third-party analytics to support its investment approach.

Jack Hoang Nguyen is a financial advisor at Morgan Stanley in San Mateo, CA, holding a Series 66 designation with one year of industry experience. Prior to joining Morgan Stanley, he spent five years at X3 Dynamic Machining Inc. and another five years at Bayside Poke. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a variety of advisory programs and financial planning services that utilize structured discovery processes and proprietary planning tools.

Andy Chan is a financial advisor at Charles Schwab with six years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at First Republic Bank and JPMorgan Chase in various capacities. Charles Schwab serves a large client base, primarily high- and ultra-high-net-worth individuals, offering advisory, brokerage, custody, and financial planning services through its Wealth Advisory wrap fee program and affiliated managed-account solutions. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and employs multi-asset model portfolios supported by comprehensive research and due diligence.

Lauren Sagan is a financial advisor with LPL Financial, holding a Series 66 designation and 12 years of industry experience. She has worked at LPL Financial since 2019 and has prior experience at First Allied Advisory Services and McKinley Financial Group. In addition to her advisory role, she conducts retirement seminars focused on client education. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment solutions, utilizing both proprietary research and third-party strategies across discretionary and non-discretionary accounts.