Celeste Gurule is a CFP® with 39 years of industry experience, currently serving at OSAIC since 2025. She previously worked for Lincoln Financial Advisors Corporation for 38 years. Gurule is involved with California Fringe Benefit, offering various insurance products, and owns Momentum Value Partners, LLC, which provides fixed and indexed annuities and other insurance products. OSAIC Wealth serves a broad mix of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including comprehensive financial planning and managed portfolios. The firm’s investment approach emphasizes model-based asset allocation and portfolio optimization supported by risk-tolerance analysis and multiple investment program options.

Claude Bishop is a financial advisor at Osaic with 24 years of industry experience. He holds a Series 66 designation and has previously worked at Lincoln Financial Advisors and Kestra Financial Services. Outside of his advisory role, he owns a CPA firm through which he provides tax preparation and planning services. Osaic Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a variety of brokerage and advisory services, utilizing a model-based investment approach with multiple program options and a network of affiliated entities.

Donald Ledoux is a CFP®-designated financial advisor with 21 years of industry experience, currently affiliated with Raymond James Financial Services Advisors, Inc. He has served at Raymond James since 2023 and previously worked at Summit Financial Group, LLC, and Securian Financial Services. Ledoux is a board member and treasurer of the PulsePoint Foundation, a nonprofit organization. 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, corporations, and institutional investors. The firm offers tailored, non-discretionary planning and consulting supported by advanced analytical tools and maintains specialized programs for municipal finance and employer retirement plans.

Aaron Peabody is a financial advisor with Raymond James Financial holding a Series 66 designation and 17 years of industry experience. He has worked at Raymond James Financial Services Advisors, Inc. since 2023 and was previously with Summit Financial Group and Securian Financial Services. Peabody also serves as a broker for fixed insurance products. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual, high-net-worth, institutional, and nonprofit clients. The firm offers tailored, non-discretionary planning and supports municipal and public finance work, along with specialized programs such as SIMPLE IRA Employer Advisory & Consulting Services.

Lou Chien Huang is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds Series 63 and Series 66 designations and has worked at firms including Citigroup, Thrivent Investment Management, and United Air Lines over a seventeen-year period. Huang is based in San Ramon, California. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments through a select group of Wealth Advisors, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. The program combines quantitative and qualitative research supported by a centralized manager solutions team and includes broader capabilities such as derivatives and commodities advisory.

Patrick Fanning is a financial advisor at Cetera with 39 years of industry experience. He holds a Series 63 designation and has been associated with Cetera and its affiliates since 2013. Prior to joining Cetera, he founded and continues to operate PTF Financial Services. Outside of his advisory work, he serves as a board member and archivist for the Diablo Advisory Committee, a country club committee focused on planning and zoning matters. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with various portfolio management and financial planning services, managing over $256 billion in assets through more than 10,000 advisors.

Samantha Smith Carsey is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. She holds Series 63 and Series 66 credentials and has worked extensively within JPMorgan Chase Bank and J.P. Morgan Securities since 2013. 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 firm’s advisory process integrates quantitative and qualitative research and offers a range of services that include ESG considerations and derivatives capabilities.

Daniel Ghinazzi is a financial advisor with Cetera who holds a Series 63 designation and has 50 years of industry experience. He has been with Cetera and its related entities since 2013. Outside of his advisory role, he is involved in the sale of fixed insurance products and operates a financial services business under the name East Bay Financial Network. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a nationwide network of advisors and features a multi-manager platform with various investment program options.

Jonathan Farnstrom is a CFP® with eight years of industry experience, currently serving as a financial advisor at OSAIC since 2025. He previously worked at Lincoln Financial Advisors for seven years and has experience in both advisory and insurance-related roles. Farnstrom also owns Farnstrom Financial Services, LLC, through which he offers and manages fixed and indexed annuities, disability, long-term care, and life insurance products. OSAIC Wealth serves a diverse clientele including individual investors, retirement plan sponsors, charities, and corporate clients, providing both brokerage and advisory services. The firm’s investment approach includes model-based asset allocation, portfolio optimization, and access to multiple custodial and alternative investment platforms.

Donn Levine is a financial advisor with Cetera, holding the ChFC® designation and the Series 63 license, and has 43 years of industry experience. His prior work includes roles at OSAIC, Woodbury Financial Services, Minnesota Life, and Sgc Financial. Outside of his advisory career, he coaches girls' golf at Castilleja High School and is the author of the book "Outwit the Yips." Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with various portfolio management options, combining discretionary and non-discretionary services through a nationwide network of independent advisors.

Silvia Hernandez is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 credentials and six years of industry experience. She has worked with Wells Fargo Clearing Services LLC since 2018 and has been with Wells Fargo Bank NA since 2011. Outside of her advisory role, she works part-time as a warehouse associate. 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 services grounded in modern portfolio theory and tailored to plan objectives and risk tolerances.

Henna Nazari is a financial advisor at Merrill with a Series 66 credential and one year of industry experience. Her prior experience includes roles at Fidelity Investments and Bank of America, N.A. Outside the financial sector, she has worked in various capacities ranging from legal support to educational roles at community colleges. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Bruce Lin is a financial advisor with UBS Financial Services, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. His prior roles include positions at Wells Fargo Clearing, Merrill, Citigroup Global Markets, and Morgan Stanley DW Inc. He is currently based in Danville, CA. UBS Financial Services serves individual, corporate, and institutional clients with a broad range of brokerage and investment advisory services. The firm combines institutional trading capabilities with wealth management, offering customized financial planning and portfolio management supported by proprietary research and capital market insights.

Robert Avey is a financial advisor with Raymond James Financial Services Advisors, Inc., holding the ChFC® designation along with Series 63 and Series 65 licenses. He has 31 years of industry experience, including 28 years at Securian Financial Services and a long tenure at Secure Futures/Link Allen & Associates. He also works as an independent contractor financial advisor at Summit Financial Group. Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to a diverse client base that includes individuals, high-net-worth clients, pension and profit-sharing plans, corporations, charitable organizations, and institutions. The firm offers tailored non-discretionary planning and consulting using analytical tools and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

Joseph Yang is a financial advisor with OSAIC in San Ramon, CA, holding a Series 66 license and 15 years of industry experience. Prior to joining OSAIC in 2025, he worked at Lincoln Financial Advisors for 10 years, LPL Financial for 2 years, and Merrill for 2 years. OSAIC Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporate clients through a multi-advisor platform offering brokerage and advisory services. The firm employs a model-based investment process with portfolio optimization, discretionary and third-party management options, and maintains a complex network of affiliates and programs designed to support a broad range of financial needs.

Samuel Benbow is a financial advisor at Raymond James Financial with three years of industry experience. He holds a Series 66 designation and has worked previously at Lincoln Financial Group and OSAIC. Outside of advisory roles, he serves as a senior paraplanner at Findley & Associates, assisting with financial planning and business operations. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base that includes individuals, institutions, and charitable organizations. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports clients through various advisory programs and institutional consulting services.

William Hawkins is a financial advisor with LPL Financial, holding a Series 63 designation and bringing 33 years of industry experience. His prior roles include positions at Global Retirement Partners LLC and Financial Telesis Inc. Hawkins has also been involved with Woodside Financial Partners, a related investment advisory entity. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a wide range of advisory and brokerage services through a large network of investment adviser representatives, utilizing various investment strategies and technology tools.

Avery Tannenbaum is a financial advisor at Osaic Wealth, Inc. based in San Ramon, CA, holding a Series 66 credential with one year of industry experience. Prior to joining Osaic, Avery worked at Equitable Advisors, LLC and Ascend Financial Group, and has a background that includes five years at Seattle University and ten years with CMG/Diversified Mortgage Group. Osaic Wealth serves a wide range of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including comprehensive financial planning and retirement plan consulting. The firm’s investment process centers on model-based asset allocation and portfolio optimization, supported by discretionary strategies and third-party manager selections.

Daschel Grammer is a CFP® professional with eight years of industry experience, currently affiliated with Raymond James Financial in San Ramon, CA. He has previously worked at Securian Financial Services Inc and American Century Investment Services, Inc. Grammer also serves as an independent contractor financial advisor at Summit Financial Group. Raymond James Financial Services Advisors, Inc. provides comprehensive financial planning, investment consulting, and advisory services for individual, high-net-worth, institutional, and charitable clients. The firm offers customized, non-discretionary planning using analytical and risk-profiling tools and supports a wide network of advisors with specialized municipal and public finance advisory services.

David Liebowitz is a financial advisor with UBS Financial Services in Danville, CA, holding a Series 63 designation and bringing 33 years of industry experience. His career includes roles at Bank of America, Merrill, Morgan Stanley, Citigroup Global Markets, Wells Fargo Clearing, and Prudential Equity Group. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, combining proprietary research and model-based asset allocations to tailor financial plans. The firm integrates institutional trading capabilities with wealth management services across a broad range of investment products and capital markets activities.