Samuel Oceguera is a financial advisor with Primerica Advisors, holding a Series 66 designation and 18 years of industry experience. His prior work includes 17 years at MML Investors Services and Mass Mutual Life Insurance, followed by roles at Park Avenue Securities and Guardian Life Insurance Company. He serves on the State Council of Developmental Disabilities-Regional Advisory Committee. Park Avenue Securities LLC serves a diverse retail client base with brokerage and advisory services, offering proprietary and third-party investment programs and a range of financial planning and consulting solutions. The firm manages approximately $15 billion in regulatory assets and supports a variety of investment strategies through discretionary and non-discretionary accounts.

Chad Parilla is a financial advisor with TLG Advisors, Inc., holding Series 65 and Series 63 licenses and 19 years of industry experience. He previously worked at ICMA Retirement Corporation for 11 years and has held positions at Lincoln Financial and Simplicity Investments. Chad also serves as a retirement consultant, providing education on retirement plans. TLG Advisors serves a diverse client base, including individuals, high-net-worth clients, trusts, and institutional investors, offering investment supervisory services, portfolio management, and fiduciary services. The firm employs a manager selection process grounded in fundamental analysis and Modern Portfolio Theory, delivering diversified portfolios through a network of independent advisors and sub-advisors.

Rajpreet Sangha is a financial advisor with Principal Financial Services in Tracy, CA, holding Series 63 and Series 65 licenses and 10 years of industry experience. His career includes roles at Wells Fargo Advisors, University of the Pacific, and ICMA Retirement Corporation before joining Principal in 2023. He also serves as a bank/trust officer at Principal Bank and Principal Trust Company, supporting retirement plan account relationships across multiple Principal divisions. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and charitable organizations. The firm’s advisory approach includes direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager solutions through various advisory and promoter arrangements.

Joseph Duca is a financial advisor with Commonwealth Financial Network, holding a Series 66 designation and over 20 years of industry experience. He has previously worked at LPL Financial and co-owns 7 Streets Financial, LLC. Outside of advisory work, he is involved in several business ventures related to tourism and charter services in Ketchikan, Alaska. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and managing roughly $212.7 billion in client assets. The firm provides a broad adviser-support platform including managed-account programs, access to third-party asset managers, and custody/clearing services.

Ryan Formanek is a financial advisor at Focus Partners Wealth, LLC with 13 years of industry experience. He holds a Series 65 designation and has worked at Churchill Management Group for over a decade prior to joining Focus Partners Wealth. Focus Partners Wealth, LLC offers wealth advisory and investment management services to individuals, families, retirement plans, institutions, and businesses. The firm employs a long-term investment approach that combines active and passive strategies within an enhanced open architecture framework and provides a broad range of financial and fiduciary services.

Robert Mount is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has been with Cetera and its related entities since 2013 and has been self-employed in retirement planning since 1987. Outside of his advisory role, Mount serves as president of a homeowner association board. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients including individuals, retirement plans, and institutional accounts. The firm offers diverse portfolio management options through a multi-manager platform, supporting discretionary and non-discretionary strategies across multiple program structures.

Sabrina Mohabat is a financial advisor at Fidelity with Series 66 and Series 63 credentials and 10 years of industry experience. She previously worked at JP Morgan Chase Bank, N.A. and JP Morgan Securities LLC. Outside of finance, she owns Boujee Bar LLC, a dessert cart business specializing in cotton candy rentals. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a combination of proprietary research, quantitative analysis, and algorithmic portfolio construction. The firm offers discretionary and non-discretionary advisory services and is notable for its use of model portfolios and formal advisory roles with registered investment companies.

Michael Martin is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. His prior roles include positions at Wells Fargo Advisors and Wells Fargo Clearing. In addition to advisory work, he is an insurance agent selling life, health, annuities, and long-term care products. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a range of portfolio management options and services, supporting over 10,000 advisors and approximately $256 billion in assets under management.

Frank Abigana is a financial advisor with Cetera who holds Series 63 and Series 65 licenses and has 15 years of industry experience. He is also the owner and president of Frank Raymond Inc., a tax and financial services company that provides tax preparation, planning, bookkeeping, tax problem resolution, and business consulting. Abigana has worked at several firms including Avantax and currently operates his own financial services business alongside his role at Cetera. Cetera Investment Advisers LLC is an SEC-registered adviser that serves individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of over 10,000 independent advisors. The firm offers a multi-manager platform with flexible portfolio management solutions, including model portfolios, third-party managers, and bespoke strategies across various program structures and custodial relationships.

Steven Polaski is a CFP® professional with 25 years of industry experience, currently advising at Cetera since 2023. He previously spent 18 years at Summit Financial Group Inc. and three years working with Livermore High School. Polaski is also a licensed insurance agent and occasionally places policies through approved companies. Cetera Investment Advisers LLC is an SEC-registered firm that serves a diverse client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to both affiliated and third-party managers.

Manpreet Kaur is a financial advisor at J.P. Morgan Securities with seven years of industry experience. She holds Series 63 and Series 66 licenses and has worked at several major firms, including Bank of America and Merrill. Outside of her advisory role, she serves as secretary for AnchorJoy Properties LLC, a property management entity associated with her personal real estate holdings. 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 applying an ESG eligibility framework in its recommendations.

Shad Roundy is a financial advisor at Osaic with 13 years of industry experience. He has held positions at Edward Jones, Merrill, and Bank of America prior to joining Osaic. Roundy is also a licensed insurance agent, appointed to sell life insurance and annuities as a sole proprietorship. Osaic Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisers. The firm offers integrated brokerage and advisory services and employs proprietary tools and third-party platforms to construct diversified portfolios across a range of asset classes.

Mike Phan is a financial advisor at Edward Jones with eight years of industry experience. He has been with Edward Jones since 2018 and previously worked at Ericsson for six years. Outside of his advisory role, he is involved in collectible sales in Stockton, CA. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of investment strategies and services, including discretionary and non-discretionary managed solutions, separately managed accounts, and affiliated mutual funds, supported by a large network of financial advisors and branch offices.

Adam Ghinazzi is a financial advisor at Cetera with 18 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Cetera and Cetera Wealth Services since 2013. He is also affiliated with East Bay Financial Network, a financial services business. Cetera Investment Advisers LLC is an SEC-registered adviser serving individual and institutional clients through a large nationwide network of independent advisors. The firm offers a range of portfolio management, financial planning, and retirement services, utilizing a multi-manager platform that includes both affiliated and third-party managers.

Yinghui Weng is a financial advisor with LPL Financial in Livermore, CA, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. Since 2010, Weng has been associated with LPL Financial and IntoWealth, Inc., where Weng also serves in a leadership role managing a general insurance agency offering non-variable insurance products. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm provides a range of advisory programs, financial planning, and retirement consulting services, utilizing discretionary and non-discretionary management along with model portfolios and research from multiple sources.

Bhawan Deep is a CFP® and Series 66-registered advisor with Wells Fargo Clearing, based in Tracy, CA. He has 18 years of industry experience, including roles at Wells Fargo Advisors, LLC from 2012 to 2016 before joining Wells Fargo Clearing in 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 investment advisory services grounded in modern portfolio theory. The firm’s approach includes a broad range of financial products, such as insurance-related vehicles and bank deposit sweep options.

Byron Covington Jr. is a financial advisor at Mass Mutual Investors Services with a Series 66 credential and one year of industry experience. Before entering financial services, he worked at Visby Medical and BD Biosciences. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser offering financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative, annual financial planning engagements using firm-approved analytical tools and provides a range of educational seminars and specialized planning programs.

Gurmeet Gulati is a financial advisor with Merrill based in Livermore, CA, holding a Series 66 designation and 19 years of industry experience. He has been with Merrill and its affiliate Bank of America, N.A. since 2012. Merrill, together with Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies to a range of clients including individuals, high-net-worth clients, and institutions.

Bolor Erdene Nergui is a financial advisor at Merrill with a Series 66 designation. She has held positions at Merrill and Bank of America since 2025 and 2026 respectively, and previously worked at ABB LLC, Bugat Corporation, and Instacart. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Raj Natarajan is a financial advisor at Merrill with a Series 66 designation. He has held positions at several firms including Ameritas Advisory Services, Ameritas Investment Company, Ameritas Life Insurance Corp., and David White & Associates from 2025 to 2026, as well as Tech Mahindra Americas from 2015 to 2019. Prior to joining Merrill and Bank of America in 2026, he was self-employed for five years. 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 offers model-based and discretionary investment strategies across a range of client types, including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.