Susannah O'Toole is a financial advisor at Morgan Stanley with 18 years of industry experience. She has been with Morgan Stanley since 2015 and previously worked at Merrill from 2009 to 2011. She holds a Series 66 designation and is based in Palo Alto, CA. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm’s investment approach includes structured planning tools and modeling techniques, and it 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.