David Lowi is a financial advisor at Stifel with 27 years of industry experience. He holds Series 63, 65, and 66 licenses and has been with Stifel Nicolaus & Co Inc since 2011. Outside of his advisory role, Lowi serves as a board member for the San Francisco Campus for Jewish Living. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. The firm utilizes a proprietary investment methodology developed by its Investment Strategy Group to provide capital market analysis, asset allocation, and financial planning guidance.

Zhi Lu is a financial advisor with Merrill in San Francisco, CA, holding a Series 66 designation and 10 years of industry experience. He has been with Merrill and Bank of America since 2016. Merrill, together 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Srdan Stojic is a financial advisor at J.P. Morgan Securities with eight years of industry experience. He holds Series 63 and Series 66 licenses and has worked at several major firms, including Citigroup, Bank of America/Merrill Lynch, and JPMorgan Chase Bank. Outside of traditional financial roles, he was involved with Salt and Honey in 2017. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. The program emphasizes a non-discretionary approach supported by a centralized due diligence process and integrates ESG considerations within its investment recommendations.

Nadia Fawcett is a Series 66 licensed financial advisor with 21 years of industry experience. She has been with UBS Financial Services since 2006 and previously worked at Citigroup Global Markets. Based in San Francisco, CA, she provides advisory services through a major financial institution. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory solutions, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client strategies.

Larry Anderson is a CFP® with 36 years of industry experience and is currently an advisor at Cetera in San Francisco, CA. He previously worked at Avantax in various capacities for over three decades. He also owns and operates LJ Anderson Tax & Financial Service, providing tax preparation and accounting services. Additionally, Anderson serves as a trustee for certain family and estate trusts. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers diverse portfolio management and planning services on a multi-manager platform, supporting a wide range of program structures and investment strategies.

Mark Carandang is a financial advisor at J.P. Morgan Securities with 17 years of industry experience. He holds Series 63 and Series 66 credentials and has been with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2012. He is based in San Francisco, CA. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process combines quantitative screens and qualitative research to build model asset allocations and includes broader derivatives and commodities capabilities.

Byron Huang is a financial advisor at Fidelity with five years of industry experience and holds a Series 66 designation. He previously worked at Merrill and Bank of America, N.A., and also has experience in the technology sector with Uber. His professional background includes roles in investment advisory and portfolio management. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to both retail and institutional clients. The firm employs a combination of fundamental research, quantitative analysis, and systematic methodologies to construct model portfolios from mutual funds, ETFs, and ETPs, and it serves as an advisor to multiple registered investment companies and fund-of-funds.

Benjamin Fitzmaurice is a financial advisor at Morgan Stanley in San Francisco, holding a Series 66 designation with approximately one year of experience at the firm. Prior to joining Morgan Stanley, he held positions at Marin Bay Wealth Advisors and Vans, and earlier worked in education. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs including tailored financial planning using structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides planning primarily in an advisory capacity without individual security recommendations as part of standalone plans.

Robert Sullivan is a financial advisor with Wells Fargo Clearing in San Francisco, CA, holding a Series 66 designation and 14 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Bank of America, N.A. from 2013 to 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, including pension and charitable organizations. The firm offers a range of investment advisory services, financial planning, and retirement plan consulting, leveraging research and analytics to support its investment approach.

Lawrence Smith is a financial advisor at Wells Fargo Clearing with 41 years of industry experience. He holds a Series 63 designation and has worked at Wells Fargo Clearing since 2016, following an 11-year tenure at A. G. Edwards & Sons, Inc. He owns a 12-unit apartment complex outside his investment-related activities. Wells Fargo Advisors is a national firm serving individual, corporate, and institutional clients with a range of advisory and brokerage services, employing research-driven investment approaches and offering solutions that include retirement plan consulting and financial planning.

Christopher Coghlan is a financial advisor at Wells Fargo Clearing with 26 years of industry experience. He holds a Series 66 designation and has worked previously at Morgan Stanley and Morgan Stanley Private Bank. 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 includes a broad range of financial products such as insurance-related vehicles and bank deposit sweep options.

Kaushal Kumar is a Financial Advisor with Merrill Lynch Wealth Management. In his role, he works closely with clients to understand their unique ambitions and develop personalized financial plans. His services include general investing, retirement planning, and strategies for managing unexpected expenses, all tailored to align with clients' individual priorities. Kaushal holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. He completed an Accredited Certificate Program at the Australian Institute of Technology and Education. Fluent in English, Punjabi, Hindi, and Urdu, Kaushal is able to communicate effectively with a diverse clientele. He is also involved in the Fresno Cambodian Buddhist Society, Inc.

Tomokazu Kuwamoto is a CFP® professional with 16 years of experience in the financial services industry. He has worked at Wells Fargo Clearing since 2016 and previously held roles at J.P. Morgan Securities and Chase Investment Services Corp. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and combines research from Wells Fargo Investment Institute with third-party analytics to support its diversified investment approach.

Alexander Teodoro is a financial advisor with LPL Financial, holding a Series 66 designation and 27 years of industry experience. He previously worked at Morgan Stanley Dw Inc. before joining Linsco/Private Ledger Corp., where he has been affiliated since 2003. Outside of his advisory work, he is a certified SCUBA diving instructor with Marin Diving Center. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management services through a large network of advisors using both proprietary and third-party strategies.

Daniel Holligan is a financial advisor at Stifel with 21 years of industry experience. He holds a Series 66 designation and has worked at Stifel Nicolaus & Co Inc since 2012, following seven years at Thomas Weisel Partners LLC. He serves as a board member for Friends of Princeton Water Polo, a nonprofit supporting the water polo program. Stifel serves a wide range of clients, including individuals, institutional investors, and charitable organizations, providing brokerage and investment advisory services. The firm’s investment approach utilizes a proprietary methodology developed by its Investment Strategy Group to guide asset allocation and financial planning.

Barry Mcmullan is a financial advisor with UBS Financial Services in San Francisco, holding a Series 63 designation and 48 years of industry experience. His career includes roles at UBS Financial Services since 2013, the Atlantic Group since 1985, and Eastern Airlines, Inc. since 1978. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm uses proprietary research and model-based asset allocations to tailor investment plans aligned with clients’ goals and risk tolerances.

Thet Myothwe is a financial advisor at Morgan Stanley with 22 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including United Planners Financial Services, Proxy Wealth Advisors LLC, and Northwestern Mutual Life Insurance Company. Outside of his advisory role, he is involved with the CAIA San Francisco Bay Area Chapter in an educational capacity. Morgan Stanley Wealth Management serves both individual and institutional clients by providing 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 modeling techniques as part of its financial planning process.

Mark Hersman is a financial advisor at Charles Schwab with 36 years of industry experience. He holds Series 66 and Series 63 licenses and has worked at Charles Schwab and related entities since 2005, with prior roles at Growth Capital Services, Inc., Mazakali LLC, and Portman Enterprises LLC. 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 provides a combination of non-discretionary advisory guidance and access to discretionary separately managed accounts with a multi-asset investment approach and centralized operational infrastructure.

Derek Kraemer is a financial advisor at J.P. Morgan Securities in San Francisco, CA, with six years of industry experience. He holds Series 63 and Series 65 licenses and has worked at JPMorgan Securities LLC and Jpmorgan Chase Bank NA since 2019. Prior to his current roles, he also held positions at Farmers Insurance and West Coast Business Products and attended the University of Arizona. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process includes centralized due diligence using quantitative and qualitative research and may incorporate an ESG eligibility framework.

Charles Marks is a financial advisor at Stifel in San Francisco, holding a Series 66 credential. He has been in the industry since 2023, with prior experience at KeyBank and a background in education at the University of Colorado Boulder and Redwood High School. Stifel serves a broad range of clients, including individuals, institutional investors, and charitable organizations, offering brokerage and investment advisory services. The firm uses a proprietary investment methodology developed by its Investment Strategy Group to guide asset allocation and financial planning.