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 financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 18 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors, LLC. 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 set of financial product offerings than typical large institutional advisers, including insurance-related vehicles and bank deposit sweep options.

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.

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 Series 66-licensed financial advisor with Wells Fargo Clearing, based in Burlingame, CA. He has 24 years of industry experience, including 10 years at Wells Fargo Clearing and 5 years at Wells Fargo Advisors LLC. Outside of his advisory role, he co-owns investment rental properties in California with family. 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 solutions. 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.

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 in Redwood City, CA, holding a Series 66 designation and 11 years of industry experience. She has worked at LPL Financial since 2019 and previously spent several years with First Allied Advisory Services and McKinley Financial Group. Outside of advisory services, she conducts retirement seminars titled Rejuvenate Your Retirement. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients through a national network of investment adviser representatives. The firm offers financial planning, advisory programs, and retirement plan consulting, utilizing discretionary and non-discretionary management with access to research, model portfolios, and technology-driven investment strategies.

Susannah O’Toole is a financial advisor at Morgan Stanley with 17 years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley 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, including tailored financial planning supported by structured discovery and firm-approved tools, and manages approximately $2.74 trillion in client assets.

Tod Spring is a financial advisor at Spring Capital Management in San Mateo, CA, holding a Series 65 designation with 8 years of industry experience. He has been with Spring Capital Management since 2008, overseeing the firm's advisory services. Spring Capital Management provides discretionary portfolio management to individual clients, managing approximately $17.4 million in assets across 38 client relationships. The firm emphasizes ongoing portfolio management and compliance, with detailed disclosures on investment strategies, performance-based fees, and regulatory requirements uncommon for firms of its size.

Darrell Young is a CFP® professional with 22 years of industry experience, currently serving as the sole advisor at Poplar Global Wealth Management LLC. He has held roles at Karmeq LLC and Mutual Securities, Inc., and owns Poplar CPA and PGWM Multi-Family Office Services, both providing CPA and investment-related services. Poplar Global Wealth Management LLC advises individuals, pension and profit-sharing plans, and business entities through wrap-fee portfolio management and pension consulting. The firm combines fundamental and technical analysis with a range of investment strategies and integrates accounting credentials and broker-dealer affiliations to offer a distinctive service model.

Robert Balopole is a CFA® charterholder and the principal of Balopole Investment Management Corporation in San Mateo, CA, with 26 years of industry experience. He has led his independent firm since 2000. Balopole Investment Management Corporation provides investment advisory and portfolio management services primarily to individual clients, managing approximately $31.8 million across 34 accounts. The firm emphasizes fundamental analysis and longer-term purchase strategies and offers ongoing investment supervision and regular account oversight. Additionally, the firm publishes a subscription-based periodical, which is uncommon among independent solo advisers.