Oliver Orzal is a financial advisor with Equity Services, Inc. in Oakland, CA, holding Series 63 and Series 65 credentials and bringing 27 years of industry experience. His prior roles include positions at Ameritas Advisory Services, Ameritas Life Insurance Corp., and David White & Associates. He is involved in the marketing of wealth and insurance services under the names Falcon PG Wealth Management and Insurance Services and Nagomi Wealth Management and Insurance Services. Equity Services, Inc., doing business as ESI Financial Advisors, provides financial planning, consulting, and asset management to individuals, corporations, trusts, estates, charitable organizations, and employer retirement plans. The firm uses multiple advisory platforms, including third-party asset managers and model portfolios, and combines long-term strategies with options for shorter-term trading.

Keith Furuya is a Series 66-licensed financial advisor with 23 years of industry experience. He is currently with Farther and has been with Black Walnut Advisors LLC since 2005. Outside of advisory work, he serves as a board director for Filtrano Tapes and operates as an independent insurance broker licensed in California. Farther provides discretionary investment management and advisory services primarily to individual investors, trusts, and estates through web, mobile, and in-person platforms. The firm’s approach is based on Modern Portfolio Theory, utilizing proprietary model portfolios with algorithmic rebalancing, and incorporates AI tools alongside advisor judgment.

Steven Ramirez is a CFP®, CFA®, and holds a Series 66 license with five years of industry experience. He is currently with Cerity Partners LLC and previously worked at Brouwer & Janachowski LLC, Edward Jones, and MBSC Securities Corporation. Cerity Partners is an SEC-registered investment adviser serving a diverse client base, including individuals, families, trusts, corporations, and institutional investors, with approximately $126.9 billion in client assets. The firm offers a range of services such as investment management, financial planning, tax and insurance support, and access to alternative and private-market investments, emphasizing diversified asset allocation and customized portfolios.

Eric Schulkin is a CFP® with 12 years of industry experience currently serving as a financial advisor at Oppenheimer. He has held roles at Gerber Kawasaki, Inc. and LPL Financial before joining Oppenheimer in 2018. He serves as a trustee on the board of Drew School, a nonprofit educational institution in San Francisco. Oppenheimer is a registered investment adviser and broker-dealer serving individuals, corporations, pension plans, and charitable organizations. The firm offers a range of advisory services, including discretionary and non-discretionary portfolio management, financial planning, and consulting, with a broad focus on equities, balanced and fixed-income portfolios.

Cheng Yu Lee is a financial advisor with HSBC Securities (USA) Inc. in San Francisco, holding Series 63 and Series 66 licenses and nine years of industry experience. He has been with HSBC Securities USA Inc. and HSBC Bank USA National Association since 2017. Prior to that, he was involved in personal trading in the financial market for one year. HSBC Securities (USA) Inc. offers managed account programs to individuals, retirement accounts, charitable organizations, and corporations. The firm provides a range of client-directed and discretionary investment programs, using a structured investment process that incorporates multiple risk profiles and combines strategic and tactical asset allocation with ongoing fund due diligence and monitoring.

Zachary Schiller is a CFP® with 24 years of industry experience, currently serving as a financial advisor at Mercer Global Advisors Inc. He previously worked at Sanford C. Bernstein & Co. LLC, Jones, Schiller & Littman, LLP, and Morgan Stanley in various capacities. Outside of his advisory role, he is a co-founding member of a consumer packaged goods company and serves on the board and finance committee of a senior center in San Francisco, in addition to volunteering as a youth soccer referee. Mercer Global Advisors provides investment advisory and planning services to a diverse client base, including individuals, high-net-worth families, small business owners, corporate plan sponsors, and nonprofit organizations. The firm’s investment approach is based on Modern Portfolio Theory, emphasizing globally diversified, risk-appropriate portfolios with multi-factor tilts and tax management, using a range of investment vehicles and platforms.

Michael Paganucci is a financial advisor at Oppenheimer with 17 years of industry experience. He holds a Series 66 designation and has worked at notable firms including Ameriprise Financial Services, Morgan Stanley, and Citigroup Global Markets. Based in San Francisco, CA, he has been with Oppenheimer since 2020. Oppenheimer is a registered investment adviser and broker-dealer serving individuals, corporations, pension plans, charitable organizations, and IRAs. The firm offers a variety of programs with both discretionary and non-discretionary advisory services, focusing on strategic and tactical asset allocation, manager selection, and customized retirement and consulting engagements.

Laura Ward is a financial advisor at William Blair with Series 63 and Series 65 licenses and 40 years of industry experience. She has worked at First Republic in various capacities from 2005 to 2023 before joining William Blair. William Blair’s Private Wealth Management division provides investment management, financial planning, and wealth services to individuals, foundations, pension, and corporate clients. The firm employs an active, research-driven approach across multiple asset classes and offers proprietary models, third-party sub-advisers, and access to private funds and co-investment opportunities.

James Marchetti is a financial advisor with Rockefeller Financial LLC, holding Series 63 and Series 65 licenses and bringing 50 years of industry experience. Prior to joining Rockefeller Financial in 2023, he worked at First Republic Investment Management and First Republic Securities from 2016 to 2023. Outside of his advisory role, he is the owner of High Marks LLC, a real estate business based in Orinda, CA. Rockefeller Financial LLC serves high-net-worth individuals, families, family offices, institutional clients, retirement plans, foundations, and corporations. The firm provides discretionary and non-discretionary portfolio management, financial planning, and consulting, while also operating as a registered broker-dealer offering a broad range of investment and insurance services through its Private Advisor model and consolidated investment platform.

Eli Sakov is a Series 65-licensed financial advisor with PlanMember Securities Corporation, based in Berkeley, CA. He has no prior industry experience but has been involved in technology and insurance-related consulting and entrepreneurship since 2018. Sakov is the founder and operator of Better Leads, Inc., a software company focused on developing tools for insurance lead identification and data management. PlanMember Securities Corporation provides retirement-plan advisory services to employers and plan participants, acting as an ERISA Section 3(38) fiduciary for many plans. The firm uses a top-down strategic asset allocation approach to manage risk-based mutual fund portfolios and offers education, personalized retirement planning, and support services to plan sponsors and participants.

Cliff Duester is a financial advisor at Hornor, Townsend & Kent, LLC with 16 years of industry experience. He holds a Series 66 designation and has worked at firms including MML Investors Services, Mass Mutual Life Insurance Company, and Penn Mutual Life Insurance Company. In addition to his advisory role, he is the founder of Private Label Wealth Management, an insurance brokerage. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans, providing advisory programs, financial planning, and retirement plan consulting. The firm integrates advisory services with broker-dealer capabilities and utilizes third-party asset managers to manage client portfolios.

Vernon Yu is a financial advisor with Hightower Advisors in Orinda, CA, holding a Series 65 credential and three years of industry experience. Prior to joining Hightower in 2023, he worked at Stoic Partners Consulting Ltd from 2020 to 2023. Hightower Advisors provides investment advisory and planning services to a diverse client base, including individual and institutional investors. The firm’s approach emphasizes manager selection and multi-manager solutions, utilizing both affiliated and third-party managers across various investment vehicles and strategies.

Felix Kwan is a CFP® with 23 years of industry experience, currently serving at Prime Capital Financial. His prior roles include positions at Financial Engines Advisors L.L.C., EF Legacy Securities, LLC, and Edelman Financial Services LLC. In addition to his advisory work, he is an agent involved in the sale and service of fixed insurance products. Prime Capital Financial is an SEC-registered enterprise advisory firm that serves individuals, trusts, corporations, and retirement plans with a range of services including asset management, financial planning, and family office offerings. The firm employs various investment strategies and maintains affiliated tax and family office practices.

Scott Sprague is a CFP® professional with 37 years of industry experience, currently associated with Private Advisor Group, LLC. His prior roles include tenures at LPL Financial and Mariner Independent Advisor Network, among others. He is also involved in managing Sprague Wealth Solutions and New West Insurance, which provide non-variable insurance products. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans by offering discretionary and non-discretionary portfolio management, financial planning, and retirement plan consulting. The firm employs a fiduciary-based advisory model, combining in-house portfolio management and third-party strategist selections, supported by technology platforms and a variety of investment strategies.

Ana Abraldes is a financial advisor with Ameritas Advisory Services, LLC, holding a Series 66 credential and six years of industry experience. She has been with Ameritas since 2019 and is also involved with Canvas Financial and Boom Planning, providing client support in financial planning. Outside of finance, she operates Studio Vidro, producing and vending artisan glass tableware and jewelry. Ameritas Advisory Services, LLC provides investment advisory and financial planning services to a diverse client base, including individual investors, retirement plans, charitable organizations, and corporate clients. The firm offers various managed account programs and fee-based management of variable annuity and universal life subaccounts, supported by a network of advisers and third-party partners for portfolio construction and monitoring.

Stacey Quinn is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. She has held roles at multiple entities, including Phoenix Leadership Development, Inc., where she serves as president, and Quinn Property and Casualty as a partner. Her other business activities include involvement in estate planning education and commercial property insurance. Transamerica Financial Advisors provides investment advisory, brokerage, and retirement-plan services to a diverse client base, including individuals, employer-sponsored plans, trusts, and charitable organizations. The firm utilizes model portfolios and third-party managers to implement advisory strategies through a large advisor network and multiple program platforms.

Shelby Stahr is a CFP® professional with seven years of industry experience, currently serving at Cerity Partners LLC since 2021. Prior to joining Cerity Partners, Shelby worked at B|O|S, Private Ocean, and Mosaic Financial Partners. Cerity Partners provides customized wealth management and related services to a diverse national clientele, including high-net-worth individuals, families, trusts, business entities, charitable organizations, and institutional investors. The firm employs a tailored investment approach combining proprietary quantitative screens with third-party managers and individual securities, and offers a range of services including portfolio management, financial planning, retirement consulting, and access to alternative investments.

Julio Barrientos is a financial advisor with Citigroup Global Markets in San Francisco, CA, holding a Series 66 designation and 11 years of industry experience. He has been with Citigroup Global Markets since 2014. Outside of his advisory role, he works as a merchandising associate at Total Wine and More in Pleasant Hill, CA. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs and broker-dealer services. The firm employs multi-asset, multi-manager strategies through discretionary and non-discretionary programs, supported by internal standards and oversight committees.

Harrison Kim is a financial advisor at Cerity Partners LLC with four years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Charles Schwab & Co., Inc. and in various roles outside of finance, including at Devils Canyon Brewing Company and Vitality Bowls. Cerity Partners provides customized wealth management and related services to a national client base, including high-net-worth individuals, families, trusts, and institutional investors. The firm employs a tailored investment approach using proprietary quantitative screens and offers access to private-market investments alongside traditional portfolio management.

Matthew Schmidt is a CFA® and holds a Series 65 license, with seven years of industry experience. He is currently with Cerity Partners LLC and previously worked at Parallel Advisors, LLC, and Violich Capital Management. Cerity Partners provides customized wealth management and related services to a broad national client base, including individuals, families, trusts and estates, business entities, and institutional investors. The firm offers tailored asset allocation, manager selection, and periodic rebalancing using proprietary quantitative screens alongside third-party managers and individual securities.