David Rodriguez Cruz is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and seven years of industry experience. He has worked with various Wells Fargo entities since 2014. Outside of his advisory role, he owns and operates an online resale business and is a Notary Public. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm combines research and analytics with a broad range of financial products through bank and insurance affiliates.

Terri Brown is a financial advisor at RBC Capital Markets with 32 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at firms including Merrill, Bank of America, and City National Bank. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base ranging from individual investors to institutional clients and charitable organizations. The firm offers various advisory programs that provide portfolio management, financial planning, custody, and brokerage services tailored to each client’s risk profile.

Ian Wetherell is a financial advisor with LPL Financial, holding Series 63, 65, and 66 licenses and possessing 26 years of industry experience. His prior roles include positions at Principal Funds Distributor, Inc, Nationwide Investment Services Corporation, Manulife Investment Management (US) LLC, and John Hancock entities. 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 financial planning, model portfolio programs, third-party asset management, and institutional platforms, providing advice and account management through a broad network of investment adviser representatives.

Laurie Dederian is a financial advisor at Charles Schwab with 17 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Charles Schwab and Charles Schwab Bank since 2008. Charles Schwab & Co., Inc. serves a large client base, 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 options, supported by multi-asset model portfolios, written advice policies, and centralized operational infrastructure.

Sean Connolly is a financial advisor with J.P. Morgan Securities, holding Series 65 and Series 63 licenses and six years of industry experience. Prior to joining J.P. Morgan Securities, he worked at JPMorgan Chase Bank, N.A., and spent nine years at House of Prime Rib (Betz & Sons). 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 and fund searches, and customized performance reporting. Their advisory process combines quantitative and qualitative research to build model asset allocations, supporting clients who retain final decision-making authority.

Mitchell Alvey is a Financial Consultant at Fidelity Investments, where he has been serving since 2025. Prior to his current role, he held positions at Fidelity including Planning Consultant from 2022 to 2025, Investment Consultant from 2021 to 2022, and Financial Representative from 2019 to 2021. His approach centers on building trust with clients by understanding their priorities, goals, and vision for the future, ensuring portfolios are aligned with their aspirations. Mitchell holds a California Insurance License. Outside of his professional work, Mitchell has interests in football, movies, music, parenthood, pets, and puzzles.

Rolando Sapantay Jr. is a financial advisor with Merrill in Walnut Creek, CA, holding Series 63 and Series 66 licenses and bringing 12 years of industry experience. He has been with Merrill and its affiliate Bank of America, N.A. for the past 10 years. Merrill, along with Managed Account Advisors LLC, offers managed account services through the Select Portfolio Solutions Program, providing model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations. The firm utilizes strategic asset allocation and tax-aware strategies, supported by the Bank of America group’s broad financial infrastructure.

Minh Thanh Van Nguyen is a Series 66-licensed financial advisor with two years of industry experience, currently with LPL Enterprise. Prior to joining LPL Enterprise, Nguyen worked at PRUCO Securities and has experience in small business operations, including roles at Feng Cha Teahouse Corporate and Quoc Vinh LLC. Outside of financial services, Nguyen has worked as a barista at Starbucks Coffee Company. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm’s approach is model-driven, utilizing portfolios developed by LPL’s Research Department and third-party strategists, with additional services such as financial planning, access to third-party asset managers, and insurance product facilitation.

Brittany Ormondroyd is a financial advisor with UBS Financial Services in Walnut Creek, CA, holding a Series 66 designation and five years of industry experience. She has worked at UBS since 2018 and previously at American Honda Finance Corporation from 2016 to 2018. Outside of her advisory role, she operates SconnieLass & Co., a small candle and home fragrance business. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm uses proprietary research and model-based asset allocations to tailor financial plans to clients’ goals and risk tolerances.

Jhonny Kreidi is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. His previous roles include positions at Bank of America, Mass Mutual Investors Services, and NYLife Securities. Outside of finance, he has worked in retail at Flares Bridal And Formal. 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 both model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Mark Loftin is a CFA® charterholder with 28 years of industry experience, currently serving as a financial advisor at OSAIC since 2023. He has also been affiliated with Sagepoint Financial, Inc. since 2009. In addition to his roles at these firms, Loftin manages client accounts through his registered investment adviser LLC. OSAIC Wealth serves a diverse client base including retail and institutional investors, retirement plan sponsors, charities, and corporate clients. The firm offers a wide range of brokerage and advisory services, utilizing a model-based investment process focused on asset allocation and portfolio optimization.

Waicheuk Chan is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 licenses and 32 years of industry experience. He has worked with Equitable Advisors and its predecessor AXA Advisors since 1999. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients. The firm uses a range of advisory programs and third-party asset managers, focusing on client risk assessment and personalized investment solutions.

Rosemarie Halajian is a Vice President and Financial Consultant at Fidelity Investments. She joined the firm in 2019 as a Financial Consultant and was promoted to Vice President in 2024. In her role, she works with clients to help them pursue their financial goals. Rosemarie holds a California Insurance License, which supports her work in providing comprehensive financial advice. She has experience in financial consulting developed over several years at Fidelity Investments. Outside of her professional work, Rosemarie has interests in art, comedy, hiking, softball, theater, and writing.

Clayton Sowder is a financial advisor at Cetera with a Series 66 designation and one year of industry experience. He has been with Cetera Investment Advisors since 2026 and previously worked at Cetera Advisors and Retirement Wealth & Tax Advisors. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management, financial planning, and retirement services, operating through a multi-manager platform with over 10,000 advisors and more than $256 billion in assets under management.

Stephisha Ycoy Walton is a financial advisor with Primerica Advisors in Oakland, CA, holding Series 63 and Series 65 licenses and 11 years of industry experience. She has been affiliated with PFS Investments Inc. since 2014 and Primerica Financial Services since 2013. Outside of her advisory role, Walton is an educator at The Freedom School and is involved as a beta tester for the Capital Group Community Wealth Council. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and limited discretionary separately managed account options. The firm curates third-party asset managers and uses a tiered wrap fee structure for its services.

Scott Pederson is a financial advisor at Osaic Wealth with 35 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at several firms, including Securities America Advisors and Merrill. He is also involved with Provident Credit Union, where he introduces members and advises on investments. Osaic Wealth serves a diverse client base, including retail, high-net-worth, institutional, and corporate clients, offering brokerage and advisory services with a focus on model-based asset allocation and portfolio optimization. The firm operates a large multi-advisor platform and supports various investment programs delivered through affiliated broker-dealer and RIA relationships.

John Upcher is a financial advisor at Fidelity with one year of industry experience. He holds the Series 66 designation and has prior work experience at Lucid Motors and Cartelligent. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, as well as registered investment companies and an IRS-qualified Charitable Gift Fund. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios that may delegate management to affiliated or unaffiliated sub-advisers while maintaining oversight controls.

Kimber Smith is a ChFC® and Series 66-credentialed financial advisor with Edward Jones, where she has worked since 2012, totaling 13 years of industry experience. She serves as a board member for the Solano County Library Foundation and participates in the Rotary Club of Fairfield, CA. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a wide range of advisory programs and affiliated financial services, supported by a large nationwide network of advisors and branches.

Jennifer Johnston is a financial advisor with Charles Schwab, holding Series 63, 65, and 66 licenses and bringing 32 years of industry experience. Her prior experience includes roles at TD Ameritrade, Valic Financial Advisors, Mcclurg Capital Corporation, and Banc of America Investment Services. 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 provides a combination of non-discretionary and discretionary investment options, supported by centralized custody, transaction, and advisory resources.

Kent Johansson is a financial advisor with UBS Financial Services in Walnut Creek, CA, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. He has been with UBS Financial Services since 2007. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services to provide tailored financial planning and portfolio management.