Cynthia Bell is a financial advisor with Primerica Advisors in Concord, CA, holding Series 63 and Series 65 licenses and four years of industry experience. She has worked at PFS Investments Inc. since 2021 and has been with Primerica Financial Services since 2017. Prior to her financial services career, she operated Bell Chiropractic from 2014 to 2023. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm operates at scale, managing approximately $15.5 billion in assets, and delivers investment strategies primarily through model portfolios created by unaffiliated asset managers.

Wai Chi Wong is a financial advisor at Charles Schwab with 26 years of industry experience. He holds Series 63 and Series 66 designations and has been with Charles Schwab since 2000, with a brief tenure at OptionsXpress, Inc. in 2017. Based in Danville, CA, his career has been focused within a leading national firm. 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 guidance, utilizing multi-asset model portfolios and a distinctive operational structure that integrates advisory, brokerage, custody, and cash-sweep services.

Tabitha Balthasar Baguio is a financial advisor at Wells Fargo Clearing with two years of industry experience. She holds a Series 66 designation and has previously worked at Charles Schwab and ULTA Beauty. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services, managing roughly $671 billion in assets through a network of over 14,000 advisors.

Zackary Hernandez is a financial advisor with Wells Fargo Clearing in Concord, CA, holding a Series 66 designation and nine years of industry experience. He has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with a wide range of investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and combines brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Xinting Huang is a financial advisor at Merrill with nine years of industry experience. Huang holds the Series 66 designation and has been with Merrill and Bank of America since 2015. 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, retirement plans, corporations, and charitable organizations.

Dylan Bell is a financial advisor with LPL Financial in Danville, CA, holding a Series 66 designation and bringing eight years of industry experience. He has worked at LPL Financial since 2016 and also operates CalBay Investments, a related business entity. Prior to his advisory career, he spent nine years in full-time education. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm provides a range of services including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by a large network of advisors and advanced operational tools.

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.

Keri Spanier is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 credentials and 24 years of industry experience. Her prior roles include periods at Triad Advisors, Inc., Resources Investment Advisors, Inc., and LPL Financial. Spanier is involved with Teros Advisors, providing investment advice, financial planning, and commission product sales. Cambridge Investment Research Advisors serves individual and institutional clients, including pension and charitable organizations, offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm manages a multi-billion dollar asset base and supports various account platforms and third-party advisers.

Dara Rocchi is a financial advisor with LPL Financial in Danville, CA, holding Series 63 and Series 66 designations and 29 years of industry experience. His prior work includes roles at Fremont Bank since 2019 and Unionbanc Investment Services from 2016 to 2019. 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, and institutional platforms, combining advisory services with a broad range of non-advisory financial activities.

John Nash is a financial advisor with Cetera who holds a Series 66 designation and has 26 years of industry experience. His prior roles include positions at Bank of America, Merrill, Sageview Advisory Group, and Cetera Advisor Networks. He is also CEO of a consulting business he founded in 2023. Cetera Investment Advisers LLC serves individual, corporate, charitable, and institutional clients through a nationwide network of independent advisors, offering a variety of portfolio management, financial planning, and retirement services. The firm utilizes a multi-manager platform with discretionary and non-discretionary options, managing over $256 billion in assets across more than 10,000 advisors.

Irene Michael is a financial advisor at Morgan Stanley with 28 years of industry experience. She has been with Morgan Stanley and its affiliated entities since 2003. Outside of her advisory role, she is a hotel owner at Lovers Point Inn in Pacific Grove, CA. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and modeling techniques.

Asha Mendes is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and six years of industry experience. She has worked at Wells Fargo Bank, N.A. since 2016 and Wells Fargo Clearing since 2019. In addition to her advisory role, Mendes is a commissioned notary public in California. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s investment approach is IPS-driven and incorporates modern portfolio theory, with notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

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.

Francesco Jones is a financial advisor at Merrill with 14 years of experience at the firm and a total of 10 years in the industry. He holds a Series 66 designation and has worked at Bank of America, N.A. since 2016. 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. The firm offers model-based and discretionary strategies from internal Chief Investment Office teams and third-party style managers, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

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.

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 at Osaic Wealth with 19 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at LPL Financial and Royal Alliance Associates, Inc. Outside of financial advising, he provides First Aid and CPR training through ABC Emergency Management Seminars. Osaic Wealth serves a diverse client base, including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a broad range of brokerage and advisory services, employing model-based asset allocation and portfolio optimization to support its multi-advisor platform.

Steven Ravlin is a CFP® professional affiliated with LPL Financial, bringing four years of industry experience. He has held positions at several firms including Consilium Wealth Management, Fidelity Investments, and Oregon State Credit Union. He is also associated with Nuvision Credit Union through LPL Financial. 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, model portfolio programs, and institutional platforms, supported by technology tools and a large network of investment adviser representatives.

Joseph Long is a financial advisor at LPL Financial with 38 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Patelco Credit Union for 20 years and CUSO Financial Services for 19 years prior to joining LPL Financial in 2025. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions through a large network of investment adviser representatives. The firm offers financial planning, a range of portfolio programs, and institutional platforms, supporting advisors with diverse investment strategies and operational tools.

Cheryl Tinseth is a financial advisor with Cetera, holding Series 63, 65, and 66 designations and bringing 27 years of industry experience. She has been associated with Cetera Wealth Services, LLC since 2013 and operates Mistretta Tinseth, a firm she has been involved with since 1996. In addition to her advisory role, Cheryl is a CPA and owner of TINSETH ACCOUNTANCY, providing accounting, bookkeeping, tax preparation, and management consulting services. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform that enables advisors to implement model portfolios, select third-party managers, or create bespoke strategies across various program structures with ongoing supervision.