Michael Heisick is a financial advisor with RBC Capital Markets, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. He has worked at RBC Capital Markets since 2017, with prior experience at Wells Fargo Clearing, Citigroup Global Markets, and Ameriprise. RBC Wealth Management, a division of RBC Capital Markets, serves individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers a range of advisory programs providing portfolio management, financial planning, custody, and brokerage services, utilizing both in-house and third-party investment managers tailored to clients' risk profiles.

Anthony Ricardo is a financial advisor with Merrill in Walnut Creek, CA, holding a Series 66 designation and 16 years of industry experience. His career includes roles at Bank of America, Citigroup, Wells Fargo, and Kheystone Management Company, where he is also owner of a commercial property management and equine services business. Ricardo serves as secretary and board member for a nonprofit involved in Bible education. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, institutions, and nonprofit organizations, with portfolio implementation supported by internal and third-party managers.

Mai Gigliotti is a financial advisor at Wells Fargo Clearing with 14 years of industry experience. She holds Series 63 and Series 65 designations and has been with Wells Fargo in various capacities since 2011. 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 data to support its investment decisions.

Jely Lorenzo is a financial advisor with J.P. Morgan Securities in Walnut Creek, CA, holding Series 63 and Series 66 designations and eight years of industry experience. Prior to joining J.P. Morgan Securities, Lorenzo worked at JPMorgan Chase Bank, N.A. and Bank of America. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on non-discretionary asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process combines quantitative and qualitative research with forward-looking capital market assumptions and incorporates an ESG eligibility framework.

Hector Murillo is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities since 2013 and JPMorgan Chase Bank, N.A. since 2015. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process combines quantitative screening and qualitative research to develop model allocations within an ESG eligibility framework.

Robert Moranville is a CFP® professional with 32 years of industry experience. He is currently affiliated with LPL Financial and has previously worked with Raymond James Financial and Raymond James Financial Services. Moranville has operated Moranville & Associates since 1995. 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 financial planning, model portfolio programs, third-party asset management access, and institutional platforms, providing advice and account management through a large network of investment adviser representatives.

Nicholas Jones is a financial advisor at Fidelity with Series 66 and Series 63 licenses and two years of industry experience. He previously worked at Northwestern Mutual Investment Services LLC and TechTronic Industries. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios across various investment vehicles.

Jiani Zhu is a financial advisor at J.P. Morgan Securities with eight years of industry experience. She holds Series 63 and Series 66 licenses and has worked at JPMorgan Chase Bank, PNC Bank, and Regions Bank. Outside of her advisory role, she owns and manages a small portfolio of rental properties. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments through a non-discretionary program focused on written asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process integrates quantitative and qualitative research to develop model asset allocations and incorporates ESG criteria, with implementation support from affiliated investment management entities.

Brandon Cheng is a financial advisor at Fidelity with eight years of industry experience. He holds the Series 66 designation and has worked at Fidelity Brokerage Services since 2019, recently transitioning to Fidelity Investments. His prior experience includes roles at Patelco Credit Union, CUSO Financial Services, LP, and Gray Matter Elite. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including Charitable Gift Funds and registered investment companies. The firm employs a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and advisory solutions.

Tony Delumen is a financial advisor with Mass Mutual Investors Services in Walnut Creek, CA, holding a Series 66 credential and 24 years of industry experience. He has been with MML Investors Services and Mass Mutual Life Insurance since 2003. Outside of advising, he owns Madison Vineyards, a winery involved in growing and selling wine grapes, as well as producing and selling wine. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm’s planning approach involves annual, collaborative engagements using firm-approved software to analyze client goals and deliver written recommendations.

Robert Hanlein is a financial advisor with Merrill in Walnut Creek, CA, holding a Series 66 designation and six years of industry experience. His prior roles include five years with OpEx Advisors Business before joining Merrill and Bank of America in 2020. Outside of his advisory duties, he holds a power of attorney role unrelated to investment activities. Merrill, along 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 using model-based and discretionary investment strategies developed by internal and third-party managers.

Diane Poepping is a financial advisor at Merrill with 14 years of industry experience. She holds a Series 66 designation and has worked at Bank of America, Merrill Lynch, and Ameriprise Financial Services. Merrill, along 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 a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Jonah Simenauer is a Planning Consultant at Fidelity Investments in Walnut Creek. In this role, he helps clients gain confidence in their financial decisions by providing clear and practical guidance tailored to their individual needs. Prior to his current position, Jonah worked as a Relationship Manager at Fidelity Investments from 2025 to 2026. Before joining Fidelity, he was a Financial Advisor at LA Pension Planners from 2023 to 2025. Jonah holds a California Insurance License.

Raymond Jung is a financial advisor at OSAIC with 39 years of industry experience. He previously worked at Lincoln Financial Advisors Corporation for the entirety of his career until joining OSAIC in 2025. His credentials include the Series 63 designation. Outside of his advisory work, Jung is involved in managing rental properties and serving as a trustee for family trusts. OSAIC Wealth serves a diverse clientele, including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of brokerage and advisory services supported by a multi-advisor platform and emphasizes model-based asset allocation and portfolio optimization.

Kakhaber Chkheidze is a CFP®-designated financial advisor with Ameriprise, based in Martinez, CA, with 19 years of industry experience. He has been with Ameriprise and its affiliate since 2006. Ameriprise provides retirement-income planning services primarily to individuals nearing or in retirement who meet specific asset criteria, using a centralized consulting team that delivers non-discretionary, research-driven recommendations focused on income sources, Social Security strategies, and tax-efficient withdrawals.

Sohrob Tehrani is a financial advisor with J.P. Morgan Securities in Walnut Creek, CA, holding Series 63 and Series 66 licenses and six years of industry experience. His prior roles include positions at AIG Capital Services, AIG Insurance, and JPMorgan Chase Bank, N.A. He has also been involved in activities outside finance such as working with Excel Basketball Camp and Las Lomas High School. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process integrates quantitative and qualitative research and includes broader derivatives and commodities capabilities.

Ying Zhang is a financial advisor at UBS Financial Services with 34 years of industry experience. She has held her current position since 2012. Zhang holds a Series 63 designation and is based in Danville, California. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor client plans.

Jack Hollmeyer is a financial advisor with Raymond James Financial, holding a Series 66 designation and two years of industry experience. He has worked with Raymond James Financial Services Advisors, Inc. since 2024 and previously with Northwestern Mutual Investment Services. Outside of advisory roles, Hollmeyer has experience in basketball coaching and support roles within community recreation. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, corporations, and institutional clients. The firm employs analytical tools for tailored, non-discretionary advice and supports a broad advisor network with programs that include municipal and public finance services.

Yu Sun Chan is a Financial Advisor at Merrill Lynch Wealth Management. He has been active in the financial services industry since 2009 and joined Merrill Lynch in 2021. As a Certified Financial Planner® (CFP) professional since 2011, he holds additional professional designations including Certified Exit Planning Advisor (CEPA) and Personal Investment Advisor (PIA). Yu Sun Chan focuses on developing tailored financial strategies by thoroughly understanding the unique circumstances, goals, and values of individuals, families, and businesses. His expertise areas include education planning, legacy planning, liquidity management, personal retirement planning, philanthropic planning, portfolio management services, individual and corporate investment strategy, tax minimization, and retirement income. He earned a Bachelor of Science degree from Rutgers University, College of Engineering, which provides him with analytical skills useful for financial planning. Originally from New Jersey, Yu Sun Chan relocated to California in 2013. Outside of his professional work, he enjoys painting, antiquing, drawing/sketching, football, hiking, spending time with family, and traveling. He is fluent in English and Chinese.

Dale Whitmer is a financial advisor at Morgan Stanley in Walnut Creek, CA, holding a Series 66 designation with 18 years of industry experience. He has worked at Morgan Stanley since 2014, following prior roles at Robert Baird & Co., UBS Financial Services, and Merrill. Morgan Stanley Wealth Management offers a wide range of advisory programs to individual and institutional clients, focusing on tailored financial planning through structured discovery and analytical tools. The firm manages approximately $2.74 trillion in client assets and provides services both directly and through employer partnerships.