Alexander Heckmann is a financial advisor at Stifel with four years of industry experience and holds a Series 66 designation. He has worked at Stifel since 2019, with a brief period of employment outside the financial industry including roles at Fisherman's Market and University of Oregon. Stifel serves a broad range of clients including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services that incorporate proprietary investment analysis and allocation methodologies developed by its Investment Strategy Group.

Lilian Senra Vera is a financial advisor at Wells Fargo Clearing with seven years of industry experience. She holds Series 63 and Series 66 licenses and has been with Wells Fargo Clearing since 2018, following a prior role at Wells Fargo Bank NA. 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 notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Michael Riherd is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2011 to 2016. Outside of his advisory role, he is a part-owner of investment-related rental properties in the Cayman Islands and California. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory options. The firm’s process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

Dianne Jones is a financial advisor with LPL Financial in Vallejo, CA, holding a Series 66 designation and 22 years of industry experience. She has been with LPL since 2015. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, and corporations through a national network of investment adviser representatives. The firm offers financial planning, advisory programs, and retirement plan consulting, utilizing both discretionary and non-discretionary management strategies supported by extensive research and a variety of investment options.

Mike Chang is a financial advisor with Charles Schwab, holding Series 63 and Series 66 licenses and 26 years of industry experience. He has been with Charles Schwab since 1999 and with 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 program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment options, leveraging multi-asset model portfolios and centralized operational infrastructure.

Nora Clifford is a Financial Consultant at Fidelity Investments, a position she has held since 2025. Prior to this role, she served as a Planning Consultant at Fidelity Investments from 2022 to 2025. She has experience in retirement services, having worked as a Retirement Services Specialist at ForUsAll from 2021 to 2022. Earlier in her career, she was a Financial Advisor at AXA Equitable (Stonebridge Financial Group) from 2019 to 2021 and a Certified Divorce Financial Analyst at Wellspring Divorce Advisors from 2015 to 2019. Throughout her career, Nora has focused on providing thoughtful guidance and developing holistic financial strategies. Her approach emphasizes listening to clients to understand their priorities, whether they are growing their wealth or preparing for retirement. She holds a California Insurance License.

Diane Van Nostrand is a financial advisor at Morgan Stanley with 34 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Dunhill Financial and Citigroup Global Markets. In addition to her advisory role, she serves as a FINRA arbitrator, participating in securities dispute resolutions. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutions, utilizing structured financial planning tools and strategies developed by its Global Investment Committee. The firm manages approximately $2.74 trillion in client assets and provides services through both direct client engagements and corporate financial planning agreements.

Connor Gray is a financial advisor at Ameriprise with two years of industry experience. He holds a Series 66 designation and previously worked at Equitable Advisors, LLC. Outside of his advisory role, he owns and operates a shoe resale business. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service that provides ongoing advice and written recommendation reports focused on income sources and tax-aware withdrawal strategies.

Sheena Culp is a CFP® professional with 15 years of industry experience. She is currently affiliated with OSAIC and has prior experience at Sagepoint Financial Advisors and Wagner, Loftin Investment Services. Outside of her advisory roles, she operates a notary public service at no charge and owns an insurance business. OSAIC serves a diverse client base including individual investors, high-net-worth clients, pension plans, corporations, and charitable organizations through a broad network of advisers. The firm offers integrated brokerage and advisory services with a range of portfolio management tools and third-party solutions.

Zenaida Tsung is a Financial Solutions Advisor (FSA) with Merrill Lynch Wealth Management. In her role, she focuses on helping clients develop personalized financial strategies that align with their unique ambitions and priorities. She works with individuals to plan for various financial goals, including funding education, retirement planning, and managing potential healthcare costs. Zenaida's approach involves understanding each client’s personal perspectives to create transparent and straightforward investment plans. Her expertise spans general investing, retirement planning, and preparing for unexpected financial needs. She holds the Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from the University of Texas System. Outside of her advisory work, Zenaida is involved with professional organizations including the Hispanic/Latino Organization for Leadership & Advancement (HOLA) and the Merrill Women's Exchange.

Christopher Ellis is a financial advisor at UBS Financial Services with one year of industry experience. Prior to joining UBS in 2024, he spent three years at Functional Muscle Fitness and has a background in education, having worked at St. Mary’s College of California and De La Salle High School. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management. The firm offers fee-based financial planning, discretionary and non-discretionary portfolio management, and distributes mutual funds and alternative products.

Madison Spiering is a financial advisor at Morgan Stanley with six years of industry experience. She has been with Morgan Stanley Private Bank, N.A. since 2020 and with Morgan Stanley since 2019. Madison holds a Series 66 designation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a wide range of advisory programs and financial planning services that utilize structured discovery processes and firm-approved planning tools.

Shane San Martin is a financial advisor at Wells Fargo Clearing with 26 years of industry experience. He holds a Series 66 designation and has worked with Wells Fargo Clearing since 2016, following five years at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advisory options. The firm’s investment approach is IPS-driven and based on modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Mark Mathews is a financial advisor at Raymond James & Associates with nine years of industry experience. He holds the Series 66 designation and has worked previously at JPMorgan Chase and Merrill. Outside of his advisory roles, he was involved with The Blue Light from 2018 to 2021. Raymond James & Associates is a large, dually registered broker-dealer and investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, offering financial planning, non-discretionary investment consulting, and institutional fiduciary services, utilizing fact-finding interviews, risk profiling, and software-driven analyses to build tailored plans.

John Riley is a Wealth Management Advisor with Merrill Lynch Wealth Management in Mill Valley, where he has been advising clients since 2008. He specializes in areas including college education planning, corporate benefits, divorce transition planning, and family wealth management strategies. John takes a holistic approach to wealth management, focusing on integrating clients’ objectives into personalized plans that adapt to their evolving needs. John holds a Bachelor's Degree from the University of Arizona and has earned professional designations as a CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA). He combines investment planning tools and professional resources to create customized strategies aimed at helping clients pursue their long-term financial goals. Additionally, John participates in community volunteer work as part of his commitment to the traditions of Merrill Lynch Wealth Management. Outside of his professional activities, John enjoys golfing, music, and tennis. His approach emphasizes one-on-one collaboration to develop financial strategies tailored to individual client priorities.

Jeffrey Coburn is a CFA® charterholder with 18 years of industry experience. He is currently with Morgan Stanley in Walnut Creek, CA, where he has worked since 2023. Prior to joining Morgan Stanley, he spent six years at First Republic Investment Management and affiliated entities. 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 to model investment outcomes.

Charles Kallgren is a financial advisor with Charles Schwab in Walnut Creek, CA, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has been with Charles Schwab Bank and Charles Schwab since 2006. Outside of his advisory role, he serves as President and Director of the Five Bridges Foundation, a nonprofit organization focused on charitable donations in the Bay Area. 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 services with access to discretionary separately managed accounts, offering multi-asset model portfolios and a centralized operational structure.

Michael Heisick is a financial advisor at RBC Capital Markets with 23 years of industry experience. He holds Series 63 and Series 65 registrations and has worked at RBC Capital Markets since 2017, following prior roles at Wells Fargo Clearing and Wells Fargo Advisors. RBC Wealth Management, a division of RBC Capital Markets, serves individual investors, institutional clients, pension plans, corporations, and charitable organizations by offering a range of advisory programs that include discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services. The firm customizes strategies based on clients’ risk profiles and employs a combination of in-house and third-party managers, with options for tax management, responsible investing, and alternative investments.

Mai Gigliotti is a financial advisor at Wells Fargo Clearing with 13 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Wells Fargo Clearing since 2016, following prior roles at Wells Fargo Advisors, LLC and Wells Fargo Bank NA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advisory services grounded in modern portfolio theory and tailored to plan objectives and risk tolerances. The firm’s offerings include a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Jely Lorenzo is a financial advisor at J.P. Morgan Securities with seven years of industry experience. She holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A., as well as Bank of America. 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 large institutional advisory operations with broker-dealer and investment adviser registrations, delivering services on a non-discretionary basis.