Kyle Dowman is a financial advisor at J.P. Morgan Securities with six years of industry experience. He has held positions at JPMorgan Securities LLC and JPMorgan Chase Bank since 2019, and previously worked at First Republic Bank and US Bancorp. Dowman serves as a board member and finance committee member for St. James Preschool, a nonprofit organization in San Francisco. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

James Smith is a financial advisor with J.P. Morgan Securities in San Ramon, CA, holding Series 63 and Series 66 licenses and bringing 13 years of industry experience. He has worked with J.P. Morgan Securities since 2012 and has been affiliated with JPMorgan Chase Bank, N.A. since 2011. 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 through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Frederick Lewis is a financial advisor at OSAIC with five years of industry experience. He holds the Series 66 designation and previously worked at Lincoln Financial Advisors. Outside of advising, he is licensed to offer fixed insurance products, including fixed and indexed annuities, accident, health, disability, long-term care, and traditional life insurance. OSAIC serves a broad client base including retail and institutional investors, providing integrated brokerage and advisory services along with financial planning and managed account solutions. The firm employs various asset-allocation tools and third-party platforms to construct and manage diversified portfolios.

Joseph Murrer is a Financial Advisor with Merrill Lynch Wealth Management. He works closely with clients to understand their financial priorities and assists them in developing strategies to pursue their short-, mid-, and long-term goals. He provides guidance on a range of financial topics including investing, retirement planning, and preparing for unexpected expenses. In addition, he facilitates access to Bank of America specialists for services related to banking, credit, home financing, and small business solutions. Murrer's expertise covers areas such as executive compensation, equity compensation services, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management, individual and corporate investment strategy, tax minimization, and retirement income. He holds the professional designations Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). He earned a Bachelor's Degree from the University of Oregon. Outside of his professional career, Murrer has interests including basketball, camping, music, pickleball, running, skiing, soccer, and spending time with his family.

Majid Saber is a financial advisor at J.P. Morgan Securities with nine years of industry experience. He holds Series 63 and Series 65 licenses. His prior experience includes 13 years at Wells Fargo Bank, N.A., and he has been with J.P. Morgan Securities since 2026. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Rishi Lekkala is a financial advisor with J.P. Morgan Securities in San Francisco, holding a Series 66 designation and beginning his advisory career in 2025. Prior to joining J.P. Morgan Securities and JPMORGAN Chase Bank, N.A., he had roles at KPMG LLP and Petventive Care. 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 through a team of Wealth Advisors. The firm combines institutional advisory capabilities with broker-dealer and investment management functions, delivering recommendations on a non-discretionary basis while clients retain final decision authority.

Benjamin Blake is a CFP® and holds a Series 66 license with 10 years of experience in the financial industry. He has been with Edward Jones since 2016, advising clients from the Oakland, CA area. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including a wide range of households, pension plans, corporate clients, and charitable organizations. The firm offers a variety of advisory services, including discretionary and non-discretionary investment strategies, separately managed accounts, and affiliated mutual funds, managing approximately $1.01 trillion in assets.

Sean Lucke is a financial advisor at J.P. Morgan Securities with seven years of industry experience. He holds Series 63 and Series 65 licenses and has worked within various J.P. Morgan entities since 2015. J.P. Morgan Securities provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and integrates an ESG eligibility framework in its recommendations.

Annie Reese is a CFP® with four years of industry experience, currently serving at Charles Schwab in Oakland, CA. Her prior work includes roles at TD Ameritrade and Charles Schwab Bank. Outside of finance, she has experience with Mercy Ships International and student activities at Texas A&M University. Charles Schwab & Co., Inc. serves a large client base, 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 provides integrated brokerage, custody, and cash-sweep services.

Peter Welch is a financial advisor with J.P. Morgan Securities in San Francisco, holding Series 63 and Series 65 licenses and bringing 11 years of industry experience. His career includes roles at Fisher Investments and First Republic Securities Company, LLC. He also has experience with First Republic Investment Management, Inc. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm’s approach combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

Robert Santos is a Series 66-licensed financial advisor with J.P. Morgan Securities, based in Dublin, CA, and has 15 years of industry experience. He has been with J.P. Morgan Securities LLC and J.P. Morgan Chase Bank, N.A. since 2014. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm delivers these services alongside affiliated brokerage, distribution, and investment management capabilities.

Diego Salazar is a financial advisor with Merrill in San Mateo, CA, holding a Series 66 designation and five years of industry experience. He has worked at Merrill and Bank of America since 2019 and previously held roles at Meridian Pacific Sales, Sterling May Equipment Company, University of California Davis, Sears, and Los Angeles Valley College. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Charles Wilmoth is a financial advisor with Morgan Stanley in San Francisco, holding Series 63 and Series 65 designations and 31 years of industry experience. He has been with Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2019, following prior roles at Wells Fargo Clearing and Wells Fargo Advisors. Outside of his advisory work, Wilmoth serves on the boards of the Glaucoma Research Foundation and the Community Housing Foundation of Mill Valley, where he is also involved in finance and fundraising committees. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and methodologies to assist clients in developing financial plans.

Scott Martinez is a financial advisor with Charles Schwab, holding Series 63 and Series 66 licenses and 18 years of industry experience. He has worked at Charles Schwab and Charles Schwab Bank SSB since 2011. Charles Schwab & Co., Inc. serves a large client base of 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, offering a multi-asset model portfolio approach supported by in-house research and alternative investment options.

Kristopher Ho is a financial advisor with Equitable Advisors in San Francisco, holding Series 63 and Series 66 licenses and nine years of industry experience. He has worked at Equitable Advisors since 2017 and was previously with AXA-Advisors, LLC. Ho serves as a volunteer board member for Wah Mei School in San Francisco. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients. The firm offers both proprietary and third-party advisory programs, focusing on aligning client risk tolerance with suitable investment models and discretionary managers.

Rockne Schatz is a CFP® with 43 years of industry experience. He has worked at OSAIC since 2024 and previously held roles at Securities America Advisors and Capital Strategies & Investments, Inc. Schatz is also involved in assisting with the transition of his financial services company to Park Place Advisors. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations, offering a range of brokerage, advisory, and consulting services through a large network of affiliated advisers and multiple investment platforms.

Ivan Cen is a financial advisor with Cetera, holding a Series 66 designation and 16 years of industry experience. He has been associated with Cetera and Cetera Investment Services since 2013 and has also worked at Cathay Bank since 2019. Cetera Investment Advisers LLC is an SEC-registered firm serving a diverse client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of investment management and financial planning services, operating a multi-manager platform with over 10,000 advisors and $256 billion in assets under management.

Andrew Gall is a financial advisor with Morgan Stanley in Orinda, California, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2016, following a 16-year tenure at UBS Financial Services. Outside of his advisory work, he is the sole proprietor of Catalina Peak Properties, LLC, a real estate business. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and model-based outcome simulations to support its financial planning process.

Greg Koch is the Vice President and Branch Leader at Fidelity Investments, where he has been serving since 2019 in leadership roles. He is responsible for providing leadership and personalized coaching to the associates at the Burlingame branch, focusing on building strong client relationships through trust and clear communication. His team offers comprehensive financial planning to help clients achieve their financial goals. Greg has held multiple positions at Fidelity Investments since 2011, including Branch Leader, Investment Solutions Manager, Managed Account Support Specialist, Client Services Manager, Operations Manager, Onboarding Manager, Senior Trading Help Desk, and Client Services Associate. Prior to joining Fidelity, he worked as a Financial Advisor at AXA Advisors from 2008 to 2011, a Senior Premier Banker at Wells Fargo from 2006 to 2008, and a Personal Banker at BBVA Compass Bank from 2003 to 2006. He holds a California Insurance License.

Dominique Reyes is a financial advisor at J.P. Morgan Securities with three years of industry experience. They hold a Series 66 designation and have worked at J.P. Morgan Securities LLC and JPMorgan Chase Bank, N.A. since 2023. Prior to this, Reyes has diverse work experience including roles at Corebridge Financial, PAX Labs, Heylo LLC, and other companies. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework. The firm offers non-discretionary advisory services through a select group of Wealth Advisors.