Arnel Tecson is a financial advisor with LPL Financial in San Ramon, CA, holding a Series 66 designation and bringing 18 years of industry experience. He has been with LPL Financial since 2007. Outside of his advisory role, he is involved in real estate rental activities in Keller, Texas. 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 offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

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.

Don Willner is a financial advisor at OSAIC with 39 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at Woodbury Financial Services, Inc., Questar Asset Management, and Questar Capital Corporation. Outside of his advisory role, he conducts seminars focused on women's situational awareness and self-defense. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services using various asset-allocation tools and supports both discretionary and non-discretionary portfolio management.

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.

Radhika Srinivasan is a financial advisor at Charles Schwab with 18 years of industry experience and holds a Series 66 designation. Her prior work includes positions at Wells Fargo Bank, Wells Fargo Clearing, and Wells Fargo Advisors LLC. Charles Schwab serves a large client base primarily consisting of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering bundled advisory, brokerage, custody, and financial planning services. The firm combines a non-discretionary client relationship model with access to affiliated discretionary separately managed accounts and employs multi-asset model portfolios supported by research from the Schwab Center for Financial Research.

George Arrivas is a financial advisor at Edward Jones with 11 years of industry experience. He holds Series 63 and Series 66 registrations and has previously worked at Bank of America, Merrill, and earlier at Edward Jones. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

James Smith is a financial advisor with J.P. Morgan Securities in San Ramon, CA, holding Series 63 and Series 66 licenses and bringing 13 years of industry experience. He has worked with J.P. Morgan Securities since 2012 and has been affiliated with JPMorgan Chase Bank, N.A. since 2011. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Frederick Lewis is a financial advisor at OSAIC with five years of industry experience. He holds the Series 66 designation and previously worked at Lincoln Financial Advisors. Outside of advising, he is licensed to offer fixed insurance products, including fixed and indexed annuities, accident, health, disability, long-term care, and traditional life insurance. OSAIC serves a broad client base including retail and institutional investors, providing integrated brokerage and advisory services along with financial planning and managed account solutions. The firm employs various asset-allocation tools and third-party platforms to construct and manage diversified portfolios.

Robert Santos is a Series 66-licensed financial advisor with J.P. Morgan Securities, based in Dublin, CA, and has 15 years of industry experience. He has been with J.P. Morgan Securities LLC and J.P. Morgan Chase Bank, N.A. since 2014. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm delivers these services alongside affiliated brokerage, distribution, and investment management capabilities.

Scott Martinez is a financial advisor with Charles Schwab, holding Series 63 and Series 66 licenses and 18 years of industry experience. He has worked at Charles Schwab and Charles Schwab Bank SSB since 2011. Charles Schwab & Co., Inc. serves a large client base of 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts, offering a multi-asset model portfolio approach supported by in-house research and alternative investment options.

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.

Dominique Reyes is a financial advisor at J.P. Morgan Securities with three years of industry experience. They hold a Series 66 designation and have worked at J.P. Morgan Securities LLC and JPMorgan Chase Bank, N.A. since 2023. Prior to this, Reyes has diverse work experience including roles at Corebridge Financial, PAX Labs, Heylo LLC, and other companies. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework. The firm offers non-discretionary advisory services through a select group of Wealth Advisors.

Nathanael Silin is a financial advisor with Primerica Advisors in Newark, CA, holding Series 63 and Series 65 licenses and 11 years of industry experience. He has worked at Primerica Advisors since 2014 and has held multiple roles in transportation and delivery services. Outside of advisory work, Silin operates a landscaping contracting business and has experience as a driver for ride-sharing and delivery services. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed account options. The firm curates third-party asset managers and uses a tiered wrap-fee structure for its services.

Robert Lee is a financial advisor at J.P. Morgan Securities with eight years of industry experience. He holds a Series 66 designation and has been with J.P. Morgan Securities since 2017, following two years at JPMC Bank NA. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. As a subsidiary of J.P. Morgan, the firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Thayvi Ganeshalingam is a Financial Consultant at Fidelity Investments, a position held since 2025. Prior to this role, Thayvi worked as a Planning Consultant at Fidelity Investments from 2022 to 2025, a Relationship Manager from 2021 to 2022, and a Financial Representative from 2020 to 2021. Thayvi holds a California Insurance License. Thayvi focuses on working with clients to develop clear and personalized financial strategies. By understanding clients' goals, concerns, and priorities, Thayvi aims to simplify the financial planning process and support clients through major life transitions or long-term security planning. The goal is to help clients feel more confident and organized about their financial future and maintain focus on what matters most.

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.

Jakob Gilbert is a financial advisor at Charles Schwab with a Series 66 designation and less than one year of industry experience. His prior work includes roles at CampusConnect LLC, the City of San Jose, and Sourdough & Co., among others. 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios supported by dedicated research and alternative investment due diligence.

Ronald Motta is a financial advisor with UBS Financial Services in Danville, CA, holding a Series 66 designation and seven years of industry experience. Prior to joining UBS in 2020, he worked at Bank of America and Merrill Lynch from 2018 to 2020, and he served on the Board of Directors for The One Hundred Club of Contra Costa County, a nonprofit supporting families of fallen law enforcement officers and firefighters. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory services, combining proprietary research and model-based asset allocations with institutional trading capabilities to deliver tailored financial planning and portfolio management solutions.

Neil Menzies is a financial advisor with Morgan Stanley in Pleasanton, CA, holding a Series 66 designation and 26 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2009 and at Morgan Stanley Private Bank, National Association since 2015. He serves as a board member for The Meg Foundation, a nonprofit organization based in Denver, CO. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs and tailored financial planning to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by approved tools and modeling techniques.

Alexander Chin is a financial advisor at LPL Financial with one year of industry experience. He holds a Series 66 designation and has worked at several firms, including DCN Wealth Management and Sorrento Pacific Financial. Outside of finance, he is a professional golfer involved in coaching and fitness. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad range of clients, including individuals, retirement plans, banks, and charitable organizations. The firm offers various advisory programs, financial planning, and brokerage services supported by research and technology-driven strategies.