Andres Dela Torre is a financial advisor at LPL Financial with a Series 66 designation and three years of industry experience. His prior roles include positions at Bank of America, Merrill, and Wells Fargo Clearing. Outside of advising, he owns a small business, La Michoacana, where he is involved in weekend operations and employee coordination. LPL Financial serves individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services with discretionary and non-discretionary management supported by research and model portfolios.

Paul Luciano is a Wealth Management Advisor with Merrill Lynch Wealth Management, where he has worked since 1993. He serves a client base consisting mainly of entrepreneurs and venture capitalists, focusing on comprehensive financial planning and portfolio management. Paul emphasizes liability management, tax minimization, estate planning, and the inclusion of non-correlated assets such as private and public equity and alternative investments in portfolios to help clients achieve their long-term financial goals with reduced risk. Paul holds a Bachelor's degree in Finance from California State University, Long Beach, and also studied at Northeastern University in Boston. He is a CERTIFIED FINANCIAL PLANNER™ certificant and holds the Chartered Retirement Planning Counselor™ designation. In his role, he manages portfolios on a discretionary basis, using a variety of investment strategies including individual securities, model portfolios, and third-party strategies. Originally from New York, Paul has lived in the Bay Area for over 30 years. He and his wife, Leslie, have three children and share interests in fitness and outdoor activities such as skiing and golf. Paul is also involved in community service, having served on several non-profit boards.

Araceli Castaneda Ramirez is a financial advisor at Morgan Stanley with a Series 66 designation and nine years of industry experience. Prior to joining Morgan Stanley, she worked at H&R Block and American Girl, and also spent time at San Francisco State University. Outside of her advisory role, she operates online retail stores on platforms including Etsy and Facebook Marketplace and has worked as an extra and model. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning solutions while managing approximately $2.74 trillion in client assets.

Rachel Kossler is a financial advisor with Edward Jones in Oakland, CA. She holds the Series 66 designation and has one year of industry experience. Prior to joining Edward Jones, she worked at Williams Sonoma Inc, Gap Inc, and SHC. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, supported by a large network of financial advisors and branch offices nationwide.

Maria Smith is a Certified Financial Planner (CFP®) with 25 years of industry experience. She has been with J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2012. J.P. Morgan Securities LLC 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 an ESG eligibility framework to inform its recommendations.

Mandana Hohn is a Senior Financial Advisor with Merrill Lynch Wealth Management. She works closely with clients to develop personalized wealth management strategies tailored to their unique financial goals and risk tolerance. Mandana leverages the resources of Merrill and Bank of America to provide investment insights, banking convenience, and lending solutions. Her client focus areas include college education planning, corporate executive services, divorce transition planning, employee benefits planning, family wealth management, retirement planning, portfolio management, and socially responsible investing, among others. With more than four decades of combined industry experience through the Hohn Group, Mandana provides customized and objective financial guidance to technology executives, high net-worth individuals, and small business owners across multiple states. The Hohn Group emphasizes long-term, individualized relationships and a holistic approach to wealth management, including retirement planning, concentrated stock strategies, education and estate planning, and lending services. Mandana holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). She earned her High School Diploma/GED from Chabot College and communicates in both Persian and English. Outside of her professional role, Mandana is involved in community volunteer activities and enjoys personal interests such as biking, boating, camping, fishing, hiking, reading, spending time with family, traveling, watching movies, and woodworking.

Keihan Lamar is a financial advisor with Wells Fargo Clearing in Walnut Creek, CA, holding Series 63 and Series 65 licenses and bringing 12 years of industry experience. He has worked with Wells Fargo Bank, N.A. since 2014 and has been with Wells Fargo Clearing since 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s investment approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Rasa Petrauskaite is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Morgan Stanley, Bank of America, and Merrill. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a process that combines quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework. The firm delivers services on a non-discretionary basis, allowing clients to retain final decision-making authority.

Kristin Sullivan is a financial advisor with Raymond James Financial, holding a Series 63 designation and 29 years of industry experience. She previously worked at Charles Schwab and Charles Schwab Bank from 1995 to 2024. Sullivan is also an independent contractor with Summit Financial Group, where she works directly with clients on wealth management. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, institutions, and charitable organizations, utilizing advanced analytical tools and offering specialized programs such as municipal and SIMPLE IRA advisory services.

Puiwah Yu is a financial advisor at Wells Fargo Clearing with 15 years of industry experience. She holds a Series 66 credential and has worked at Wells Fargo Advisors, LLC from 2011 to 2016 before joining Wells Fargo Clearing in 2016. Outside of her advisory role, she is an officer and manager of Appaloosa Glory, LLC, a supplier of cleaning solution products. 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 advisory services. The firm’s approach is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Nwelin Wong is a financial advisor at Charles Schwab with nine years of industry experience. He holds Series 63 and Series 66 designations and has been with Charles Schwab and Charles Schwab Bank since 2016. 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 advisory guidance and access to discretionary separately managed accounts, supported by multi-asset model portfolios and a formal alternative investment program.

Dane Tinley is a Senior Financial Advisor at Merrill Lynch Wealth Management. He focuses on delivering personalized wealth management strategies that align with each client's unique financial goals. Dane works closely with clients to develop flexible plans that respond to changing market conditions, offering access to Merrill’s investment insights as well as the banking and lending solutions of Bank of America. His expertise includes college education planning, divorce transition planning, LGBT wealth planning, managing new wealth, special needs planning strategies, women and wealth, tax minimization, and retirement income. Dane emphasizes collaboration and transparency, coordinating with clients’ attorneys and tax professionals to ensure comprehensive financial management. He holds the Personal Investment Advisor (PIA) designation and earned a bachelor’s degree from the University of California. Dane also values community involvement, dedicating time to volunteering with local organizations in line with Merrill’s tradition of service.

Abby Honerkamp is a Series 66-registered financial advisor with Charles Schwab in Berkeley, California, and has 17 years of industry experience. She has been with Charles Schwab since 2012. 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios supported by research from the Schwab Center for Financial Research.

Flor Santana is a financial advisor with LPL Financial in San Mateo, CA, holding Series 63 and Series 65 credentials and with 27 years of industry experience. She has been with LPL Financial since 2009. Santana also teaches part-time at the College of San Mateo. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and research support from both internal and third-party sources.

Charles Zheng is a financial advisor at Wells Fargo Clearing with 17 years of industry experience. He holds a Series 66 designation and has been with Wells Fargo Clearing since 2016, following a one-year tenure at Wells Fargo Advisors, LLC. Outside of his advisory work, he owns and operates Lighthouse World Collectibles LLC, a business focused on buying and selling sports collectibles. 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 services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable emphasis on including insurance-related vehicles and bank deposit sweep options in its investment offerings.

Moreen Latchman is a financial advisor at Wells Fargo Clearing with 20 years of industry experience. She holds Series 63 and Series 66 licenses and previously worked at J.P. Morgan Securities for 12 years before joining Wells Fargo Clearing in 2024. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a broad range of investment options including insurance-related vehicles and bank deposit sweep programs.

Craig Meier is a financial advisor at Wells Fargo Clearing with 32 years of industry experience. He holds the Series 63 and Series 65 designations and has been with Wells Fargo entities since 2009. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering investment policy statement preparation, investment recommendations, performance reporting, participant education, and plan benchmarking. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a fiduciary role when providing investment advice and a discretionary option for plan-level investment selection.

Ami Ibarra is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 18 years of industry experience. She has been with J.P. Morgan Securities since 2012 and also works with JPMorgan Chase Bank, NA. Outside of her advisory role, she is involved in real estate investing and rents properties to young professionals in Africa. 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. As a subsidiary of J.P. Morgan, the firm combines institutional advisory services with brokerage and investment management capabilities.

Amanda Luong is a Planning Consultant at Fidelity Investments, where she collaborates with Financial Consultants to provide clients with comprehensive financial planning services. She meets with clients to assess their planning needs and assists in creating and implementing holistic financial plans. Amanda aims to foster a supportive and welcoming environment as clients build relationships with the Fidelity team. Amanda has been with Fidelity Investments since 2023, progressing through roles including Financial Representative and Relationship Manager before assuming her current position. She holds a California Insurance License, supporting her work in financial planning and advisory services. Outside of her professional role, Amanda has interests in art, fitness, food, social events, reading, and traveling.

Aaron Gabriel is a CFP® professional with 37 years of experience in the financial industry, currently affiliated with Raymond James Financial. He has been associated with Raymond James Financial Services Advisors Inc. and The Gabriel Group since 2014. Outside of his advisory work, he is also a singer, songwriter, and recording artist involved with Rocky Michaels Music. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm provides tailored, non-discretionary consulting using analytical tools and supports its clients through advisory programs and institutional consulting across a large advisor network.