Badrakhmaa Bukhkhuu is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and four years of industry experience. Prior to joining J.P. Morgan, Bukhkhuu worked at Bank of America and has been with JPMorgan Chase Bank, N.A. since 2022. 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 and fund searches, and customized performance reporting. Their advisory process integrates quantitative and qualitative research with forward-looking capital market assumptions to develop model asset allocations, including ESG considerations.

David Ninekirk is a financial advisor with Charles Schwab in San Ramon, CA, holding CFP®, Series 63, and Series 66 designations. He has 34 years of industry experience, including over two decades with Charles Schwab and Charles Schwab Bank. 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 offers a combination of non-discretionary and discretionary investment management, utilizing multi-asset model portfolios and centralized custody and order-routing systems.

Paolo Coronel is an Investment Consultant at Fidelity Investments, where he has been serving clients since 2025. He collaborates with clients to help them develop financial strategies tailored to their retirement, wealth management, and overall financial well-being. Paolo leverages Fidelity's broad resources to provide insight and support for important financial decisions. Prior to his current role, Paolo worked as a Planning Consultant at Fidelity Investments from 2023 to 2025. He also has experience as an Associate Advisor and Paraplanner at Insight Wealth Strategies, LLC between 2019 and 2023, and began his career as a Paraplanner at Ameriprise Financial Services from 2018 to 2019. Paolo holds a California Insurance License and is a Certified Financial Planner (CFP®) professional. Outside of his professional work, Paolo has interests in cooking and baking, golf, music, and theater.

Michelle Piper is a financial advisor with J.P. Morgan Securities in Dublin, California, holding Series 63 and Series 65 licenses and possessing 17 years of industry experience. She has been with J.P. Morgan Securities since 2012 and has worked at JPMorgan Chase Bank, N.A. since 2009. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. Their advisory approach emphasizes written asset allocation advice, investment manager and fund searches, and customized performance reporting, supported by centralized due diligence and the use of forward-looking capital market assumptions.

Diane Van Nostrand is a financial advisor with Morgan Stanley in Walnut Creek, CA, holding Series 63 and Series 65 designations and bringing 35 years of industry experience. Her prior work includes roles at Dunhill Financial, Citigroup Global Markets, and UBS Financial Services. She also serves as a FINRA arbitrator, participating in the resolution of securities-related disputes. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a wide range of advisory programs for individual and institutional clients, including comprehensive financial planning supported by firm-approved tools and modeling techniques.

Craig Rosenblatt is a financial advisor with Cetera, holding a Series 66 designation and over 23 years of industry experience. He has been with Cetera and its related entities since 2013 and operates his own financial planning and advisory business under the name Rosenblatt Advisors. Rosenblatt is also a licensed CPA providing tax preparation and advice and is involved in fixed insurance sales. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with various discretionary and non-discretionary portfolio management options and access to third-party money managers.

Warren Cheung is a financial advisor at UBS Financial Services with 33 years of industry experience. He has held roles at Morgan Stanley and Charles Schwab prior to joining UBS in 2013. He holds Series 63 and Series 66 licenses. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor strategies to clients' goals.

Connor Gray is a financial advisor at Ameriprise with two years of industry experience. He holds a Series 66 designation and previously worked at Equitable Advisors, LLC. Outside of his advisory role, he owns and operates a shoe resale business. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service that provides ongoing advice and written recommendation reports focused on income sources and tax-aware withdrawal strategies.

Sheena Culp is a CFP® certified financial advisor with 15 years of industry experience. She is currently with OSAIC and has previously worked at Sagepoint Financial Advisors and Wagner, Loftin Investment Services. Culp also serves as a notary public and owns a sole proprietorship selling insurance. OSAIC Wealth serves a diverse client base including retail and institutional investors, offering both brokerage and advisory services through a multi-advisor platform. The firm emphasizes model-based asset allocation and portfolio optimization, utilizing various programs such as Unified Managed Accounts and third-party money manager options.

Zenaida Tsung is a Financial Solutions Advisor (FSA) with Merrill Lynch Wealth Management. In her role, she focuses on helping clients develop personalized financial strategies that align with their unique ambitions and priorities. She works with individuals to plan for various financial goals, including funding education, retirement planning, and managing potential healthcare costs. Zenaida's approach involves understanding each client’s personal perspectives to create transparent and straightforward investment plans. Her expertise spans general investing, retirement planning, and preparing for unexpected financial needs. She holds the Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from the University of Texas System. Outside of her advisory work, Zenaida is involved with professional organizations including the Hispanic/Latino Organization for Leadership & Advancement (HOLA) and the Merrill Women's Exchange.

Christopher Ellis is a financial advisor at UBS Financial Services with one year of industry experience. Prior to joining UBS in 2024, he spent three years at Functional Muscle Fitness and has a background in education, having worked at St. Mary’s College of California and De La Salle High School. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management. The firm offers fee-based financial planning, discretionary and non-discretionary portfolio management, and distributes mutual funds and alternative products.

Madison Spiering is a financial advisor at Morgan Stanley with six years of industry experience. She has been with Morgan Stanley Private Bank, N.A. since 2020 and with Morgan Stanley since 2019. Madison holds a Series 66 designation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a wide range of advisory programs and financial planning services that utilize structured discovery processes and firm-approved planning tools.

John Vinci is a financial advisor at UBS Financial Services with 13 years of industry experience. He holds a Series 66 designation and has worked at UBS since 2022. Prior to UBS, he spent 10 years at Charles Schwab and Charles Schwab Bank. Outside of his advisory work, Vinci serves as a basketball league commissioner for Bay Club. UBS Financial Services provides brokerage and investment advisory services to individual, corporate, and institutional clients, offering financial planning, portfolio management, and a range of capital markets services through a large network of advisors.

Shane San Martin is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 26 years of industry experience. He has been with Wells Fargo firms since 2001, including Wells Fargo Investments and Wells Fargo Clearing. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Cody Fawbush is a financial advisor at Cetera with a Series 66 designation and four years of industry experience. His work history includes roles at UNCLE Credit Union, CUSO Financial Services, U.S. Bank, and other financial institutions. Outside of his advisory role, he is involved in the food service industry working part-time at Chick-fil-A. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers various portfolio management and financial planning services through a multi-manager platform with access to both affiliated and third-party managers.

Mark Mathews is a financial advisor at Raymond James & Associates with nine years of industry experience. He holds the Series 66 designation and has worked previously at JPMorgan Chase and Merrill. Outside of his advisory roles, he was involved with The Blue Light from 2018 to 2021. Raymond James & Associates is a large, dually registered broker-dealer and investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, offering financial planning, non-discretionary investment consulting, and institutional fiduciary services, utilizing fact-finding interviews, risk profiling, and software-driven analyses to build tailored plans.

Gulneer Sarang is a financial advisor at Charles Schwab with 14 years of industry experience. She holds Series 63 and Series 66 designations. Her prior work includes positions at Wells Fargo, Bank of America, Merrill, Citicorp Investment Services, and Morgan Stanley. 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 offers both non-discretionary and discretionary investment options with a multi-asset model portfolio approach and centralized operational support.

Jeffrey Coburn is a CFA® charterholder with 18 years of industry experience. He is currently with Morgan Stanley in Walnut Creek, CA, where he has worked since 2023. Prior to joining Morgan Stanley, he spent six years at First Republic Investment Management and affiliated entities. 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 to model investment outcomes.

Charles Kallgren is a financial advisor with Charles Schwab in Walnut Creek, CA, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has been with Charles Schwab Bank and Charles Schwab since 2006. Outside of his advisory role, he serves as President and Director of the Five Bridges Foundation, a nonprofit organization focused on charitable donations in the Bay Area. Charles Schwab 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 services with access to discretionary separately managed accounts, offering multi-asset model portfolios and a centralized operational structure.

Michael Cott is a financial advisor with Morgan Stanley in Pleasanton, CA, holding Series 63 and Series 66 licenses and bringing 42 years of industry experience. He has been with Morgan Stanley and its Private Bank division since 2014 and 2015, respectively. Morgan Stanley Wealth Management provides advisory services and financial planning to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm employs structured planning processes and offers a range of investment programs, combining broad retail and institutional capabilities.