Wendell Graham is a Series 66-registered financial advisor with five years of industry experience, currently affiliated with J.P. Morgan Securities in San Carlos, CA. His prior experience includes roles at Morgan Stanley and Morgan Stanley Private Bank. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, focusing on asset-allocation advice, investment manager searches, and customized performance reporting through its Institutional Consulting Services program.

Michael Thomas is a financial advisor with J.P. Morgan Securities and holds Series 63 and Series 66 licenses. He has five years of industry experience, including prior roles at Carmax and FedEx. Outside of his advisory work, he is involved in real estate investing as an owner and partner. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering asset-allocation advice, manager searches, and customized performance reporting through a non-discretionary process that incorporates quantitative modeling and ESG considerations.

Virginia Choice is a financial advisor at Morgan Stanley with a Series 66 credential and two years of industry experience. Her prior roles include positions at Northwestern Mutual, Honda Finance Corporation, and Clark Atlanta University. Outside of advising, she is involved in art and culture ventures, serving as sole proprietor of an online retail store and as president of an art-related organization. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-sponsored financial plans.

Prabhleen Kaur Dhanda is a financial advisor at Charles Schwab with one year of industry experience. She holds the Series 66 designation and has worked at several financial institutions, including Wells Fargo Bank, Bank of America, and Merrill Lynch. Charles Schwab & Co., Inc. serves a large client base primarily consisting 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 affiliated discretionary separately managed accounts, offering multi-asset model portfolios and alternative investment options.

Diana Espinoza is a Planning Consultant who works closely with clients to develop financial plans that reflect their goals and values. She emphasizes thoughtful, ongoing planning to support informed decision-making at every stage of life. Diana has held roles at several financial institutions, including Relationship Manager and Financial Representative at Fidelity Investments, Associate Banker at JPMorgan Chase, and Bank Teller at Wells Fargo. This range of experience informs her approach to client service and financial planning. Outside of her professional work, Diana enjoys cooking and baking, fitness, exploring food cultures, traveling, and volunteering.

Kristopher Watts is a financial advisor at Morgan Stanley with 11 years of industry experience. He holds Series 63 and Series 65 licenses and has been associated with Morgan Stanley Private Bank and 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 broad range of advisory programs, including tailored financial planning using structured processes and approved analytical tools.

Michael Tate is a CFP® with 39 years of industry experience, currently affiliated with Cetera. His prior roles include positions at OSAIC, Woodbury Financial Services, Bay Area Wealth Management Group LLC, and several other financial firms. He is an officer of Bay Area Wealth Management Group LLC, where he has been involved in financial planning and wealth management since 2019. Cetera Investment Advisers LLC is a nationwide network of independent advisors serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and consulting services through multiple program structures and a mix of discretionary and non-discretionary authorities.

Patrick Phillips is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and possessing 14 years of industry experience. His prior roles include positions at Bank of America, N.A. and Merrill. Outside of his advisory work, he is a business owner of Whiskey Riot LLC, a non-investment-related venture based in Sacramento. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory services, utilizing various model portfolios, research resources, and technology-driven approaches.

Eric Kuhns is a financial advisor at Cambridge Investment Research Advisors with 13 years of industry experience. He holds Series 63, Series 65, and Series 66 credentials. His prior experience includes roles at The Pacific Financial Group, Inc. and Monarch Financial Solutions. Cambridge Investment Research Advisors serves a diverse client base including individuals, retirement plans, and charitable organizations, offering financial planning, investment management, and retirement plan advisory services through a network of independent professionals. The firm provides both discretionary and non-discretionary investment solutions across multiple platforms and maintains proprietary and third-party model strategies.

Ravi Shah is a Certified Financial Planner (CFP®) with 13 years of industry experience. He is currently with Morgan Stanley, having previously worked at Wells Fargo Clearing and Wells Fargo Advisors. His background includes roles at both Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC. Morgan Stanley Wealth Management provides advisory services and tailored financial planning to individuals and institutional clients, managing approximately $2.74 trillion in client assets through a range of programs and planning tools.

Robert Wilkinson is a financial advisor with LPL Financial, holding Series 63, 65, and 66 credentials and possessing 30 years of industry experience. Prior to joining LPL Financial in 2025, he worked for Western International Securities, Inc. for 12 years. He is involved with the Alameda County Employees Retirement Association and the Oakland Police and Fire Retirement System in government-related roles. LPL Financial is a national SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, corporations, and charitable organizations through a broad network of investment adviser representatives. The firm offers a range of advisory programs and financial planning services, utilizing discretionary and non-discretionary management supported by research and model portfolios.

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.

Thomas Kennedy is a financial advisor at Wells Fargo Clearing with 35 years of industry experience. He holds the Series 66 designation and has been with Wells Fargo Clearing since 2016, following a year at Wells Fargo Advisors, LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s approach is driven by investment policy statements and modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in its investment offerings.

Jeffrey Hanson is a Senior Financial Advisor with Merrill Lynch Wealth Management. Since joining Merrill in 1990, he has focused on providing clients with personalized wealth management strategies tailored to their individual financial goals. Jeff combines decades of experience as a portfolio manager with his commitment to building enduring client relationships through customized investment advisory solutions and outstanding guidance. With over 30 years in the financial industry, Jeff has been an advocate of individualized portfolio management. Early in his career, he participated in Merrill Consults and became one of the first portfolio managers for the firm's investment advisory program. His expertise spans personal retirement planning, portfolio management services, and retirement income strategies. Jeff holds the Personal Investment Advisor (PIA) designation and earned his high school diploma from West Bend East High School. Beyond his professional role, Jeff is active in his community. He has served as Toastmaster’s Club President, participated in Kiwanis and Rotary, and contributed to the Catholic church. He has coached youth sports teams, volunteered with Boy Scouts and Girl Scouts, and supported the Blue Devils Drum and Bugle Corps. In his personal time, Jeff enjoys adventure sports, biking, running marathons, skiing, and swimming.

Andrew De La Vega is a Financial Consultant at Fidelity Investments, where he has been serving clients since 2026. Prior to this role, he held several positions within Fidelity Investments, including Investment Consultant (2025-2026), Planning Consultant (2023-2025), and Relationship Manager (2022-2023). Before joining Fidelity, Andrew worked as a Registered Representative conducting financial education workshops from 2020 to 2022. Andrew's professional approach focuses on helping clients prepare for major life events by understanding their goals and developing future plans. He emphasizes providing clients with realistic next steps, conducting regular check-ins, and maintaining a genuine interest in their financial objectives. He holds a California Insurance License. Outside of his professional work, Andrew enjoys board games, exploring culinary experiences, and attending theater performances.

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.

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.