Jonathan Farnstrom is a CFP®-credentialed advisor with eight years of industry experience, currently with Osaic Wealth, Inc. in San Ramon, CA. Prior to joining Osaic in 2025, he spent seven years at Lincoln Financial Advisors. He is also involved in insurance product offerings through Farnstrom Financial Services, LLC, which he owns and operates. Osaic Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and nonprofits, offering integrated brokerage and advisory services across multiple platforms. The firm utilizes various asset-allocation tools and third-party solutions to construct portfolios that include a broad range of investment vehicles.

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.

Bruce Lin is a financial advisor at UBS Financial Services with 34 years of industry experience. He holds Series 63 and Series 65 credentials and has worked previously at Wells Fargo Advisors and Wells Fargo Clearing. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client strategies.

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 Series 66-licensed financial advisor with 15 years of industry experience. He has worked at Osaic since 2025 and previously spent 10 years at Lincoln Financial Advisors. Yang is also involved in offering fixed and equity-indexed annuities, traditional life insurance, and long-term care insurance. Osaic Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisors. The firm uses a range of tools and third-party services to provide integrated brokerage, advisory, and managed account solutions.

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. with a Series 66 designation and one year of industry experience. Prior to joining Osaic, he worked at Equitable Advisors, LLC and Ascend Financial Group. His career also includes roles outside of financial advising, including positions at Seattle University and CMG/Diversified Mortgage Group. Osaic Wealth, Inc. serves a diverse client base including individual investors, pension plans, corporations, and charitable organizations. The firm provides brokerage and advisory services, financial planning, and access to various investment platforms and third-party managers, using firm-supported tools for asset allocation, risk assessment, and portfolio management.

Daschel Grammer is a CFP® professional with seven years of industry experience, currently affiliated with Raymond James Financial in San Ramon, CA. He has held positions at firms including Summit Financial Group and Securian Financial Services Inc. Grammer serves as an independent contractor at Summit Financial Group through Raymond James. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individual, institutional, and charitable clients. The firm emphasizes tailored, non-discretionary planning and analytical tools to support client goals and maintains specialized offerings such as municipal advisory services and SIMPLE IRA Employer Advisory programs.

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.

Mc Rae Grace is a financial advisor at Charles Schwab with a Series 66 designation and two years of industry experience. Prior to joining Charles Schwab, Grace worked at Equitable Advisors for two years and has a varied background including roles outside of finance. 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, combining non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts.

Kimberly Damiani is a Certified Financial Planner® with 14 years of industry experience, currently serving as a financial advisor at Raymond James Financial Services Advisors, Inc. She has worked at Raymond James since 2023 and previously held roles at Summit Financial Group and Securian Financial Services. Damiani serves on the board and investment committee of the Three Valleys Community Foundation, contributing to the foundation’s investment oversight. 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, and institutional investors. The firm offers non-discretionary planning tailored to client goals, supported by analytical tools and a range of advisory programs.

Kevin Wilson is a financial advisor at Cetera with 18 years of industry experience and holds a Series 66 designation. Prior to joining Cetera in 2023, he worked at Voya Financial Advisors for seven years and has also been involved in entrepreneurial ventures, including Proclaim Promotions from 2000 to 2021. He is licensed as an independent insurance agent and has experience managing properties through his role at 2727 Alamo Court, LLC. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients, including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers portfolio management, financial planning, and access to multiple investment programs through a large network of independent advisors.

Christopher Bott is a financial advisor affiliated with LPL Financial, holding Series 63 and Series 66 registrations with 19 years of industry experience. His career includes positions at Osaic Wealth, LPL Financial, and Royal Alliance Associates, Inc. Outside of his advisory work, he provides First Aid and CPR training through ABC Emergency Management Seminars. LPL Financial is a national broker‑dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to third-party asset management, utilizing both discretionary and non-discretionary strategies supported by research and operational tools.

Lingyun Qian is a financial advisor at Charles Schwab with 10 years of industry experience. She holds Series 63, 65, and 66 licenses and has worked previously at HSBC Securities USA, MUFG Union Bank, and Citigroup. Outside of financial services, she is involved in non-investment real estate property management. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated financial services. The firm offers both non-discretionary and discretionary investment options, combining extensive client coverage with centralized custody and trading operations.

Puja Aggarwal is Vice President and Financial Consultant at Fidelity Investments, a role she has held since 2021. She has been with Fidelity Investments since 2015, progressing through various positions including Financial Consultant, Investment Consultant, and Relationship Manager. Prior to joining Fidelity, she worked as a Financial Advisor at Merrill Lynch and as a Relationship Banker at JP Morgan Chase. With 15 years of experience in the financial services industry, Puja specializes in wealth planning and works with individuals, families, business owners, executives, and institutions. She guides clients through rising, declining, and volatile markets by employing a comprehensive financial planning process aimed at helping them take educated and disciplined actions toward their goals. Puja holds a California Insurance License. Outside of work, her interests include spending time at the beach, comedy, social events with friends, hiking, caring for pets, and traveling.

Hanane Bettahi is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing nine years of industry experience. She has been with J.P. Morgan Securities since 2016 and is also the owner of Classic Limousine Service Inc., where she manages dispatching, payroll, and invoicing. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice and customized performance reporting through a combination of advisory and brokerage capabilities.

Joyce Tanaka is a Series 66-licensed financial advisor with nine years of industry experience. She has worked at Osaic Wealth, Inc. since 2025, following prior roles at Acord and Fong Wealth Strategies and Sourjohn-Kim Retirement Solutions. Between 2008 and 2025, she spent intervals as a homemaker. Osaic Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services utilizing various portfolio construction tools and offers access to third-party money managers, managed accounts, and unified investment platforms.

Luke Lee is a financial advisor with Charles Schwab, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. His prior roles include positions at TD Ameritrade 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, offering both non-discretionary and discretionary investment guidance through a multi-asset model portfolio approach and centralized operational infrastructure.