Michael Allard is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and possessing 33 years of industry experience. He has been with LPL Financial, previously LINSCO/PRIVATE LEDGER, since 2005. Outside of advising, he is involved with Calbay Investments, Inc., focusing on non-variable insurance. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients including individuals, retirement plans, and institutions through a national network of investment adviser representatives. The firm provides financial planning, advisory programs, retirement plan consulting, and brokerage services, offering both discretionary and non-discretionary management alongside diverse investment strategies and technology-supported portfolio solutions.

Christina Guzman is a Series 66-licensed financial advisor with Morgan Stanley in Pleasanton, CA, bringing six years of industry experience. She has worked at Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2019. Outside of her advisory role, Christina is also a private yoga instructor. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and research.

Donna Lee is currently a Planning Consultant at Fidelity Investments, a position she has held since 2023. Prior to this role, she served as a Financial Consultant and Investment Consultant at Fidelity Investments from 2016 to 2023. Donna has also worked as a Financial Solutions Advisor at Merrill Lynch from 2012 to 2016, and held financial advisor roles at Morgan Stanley Smith Barney and Merrill Lynch between 2008 and 2011. Her areas of focus include retirement planning, income protection, investment strategies, and legacy planning considerations. Donna holds a California Insurance License, supporting her expertise in these areas. Outside of her professional career, Donna enjoys cooking and baking, fitness, exploring food, gardening, and traveling.

Yoav Karni is a financial advisor with Cambridge Investment Research Advisors in Walnut Creek, CA, holding Series 63 and Series 65 licenses and bringing 16 years of industry experience. He has worked with West Coast Financial Wealth Management and maintained independent advisory roles since 2001. Outside of his advisory work, Karni is a general agent for life, disability, and Medicare insurance products. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, retirement plans, and charitable organizations. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals using a range of portfolio management and model-based solutions.

Kevin Huang is a Financial Consultant at Fidelity Investments, where he has been working since 2021. In this role, he helps clients create clear and personalized retirement plans, offering trusted guidance through life's milestones and supporting informed financial decisions. Prior to his current position, Kevin gained experience as a Private Client Banker at JP Morgan Chase from 2019 to 2021, and as an International Marketing Manager at Bank of the West from 2015 to 2019. He holds a California Insurance License. Outside of his professional work, Kevin enjoys camping, attending concerts, cooking and baking, visiting museums, and snowboarding.

John Pacelli is a CFP® professional with 48 years of experience in the financial industry. He is currently affiliated with Osaic and has previous experience at Lincoln Financial Advisors, Kestra Financial Services, Inc., and D/A Financial. He holds a license to offer disability and traditional life insurance, as well as fixed and fixed indexed annuities. Osaic Wealth, Inc. serves a diverse range of retail and institutional clients through a large network of financial advisers and multiple advisory platforms. The firm provides integrated brokerage and investment advisory services, utilizing various asset-allocation tools and third-party solutions to deliver customized portfolio management and financial planning.

Joseph Wang is a financial advisor at Cetera with 15 years of industry experience and holds the Series 66 designation. He has worked at Cetera since 2019 and previously spent four years at Citigroup. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a variety of portfolio management and financial planning services through a multi-manager platform with access to both affiliated and third-party investment strategies.

Srivani Ravikumar is a financial advisor at Wells Fargo Clearing with 19 years of industry experience. She holds a Series 66 designation and has worked at various Wells Fargo entities since 2005, including Wells Fargo Advisors LLC and Wells Fargo Bank. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and based on modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

John Mullen II is a financial advisor at LPL Financial with 36 years of industry experience. He has been with LPL Financial and its predecessor firms since 2003. In addition to his advisory work, he teaches CFP exam preparation courses at UC Berkeley Extension. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a large network of investment adviser representatives. The firm offers a broad range of financial planning and advisory programs, utilizing diverse investment strategies and technologies.

David Gilchrist is a Wealth Management Advisor at Merrill Lynch Wealth Management. He works with a select group of high-net-worth families, executives, entrepreneurs, and professionals, providing comprehensive wealth-planning strategies that address complexity, preserve capital, and support long-term financial objectives. His approach is client-centric and emphasizes understanding clients' financial situations alongside their professional and personal lives to inform sound financial decisions. David specializes in areas including divorce transition planning, executive compensation, family wealth management strategies, legacy planning, personal retirement planning, portfolio management, small business strategies, individual and corporate investment strategy, tax minimization, and retirement income. Prior to joining Merrill, he gained experience in accounting at an estate-planning law firm and as a tax auditor for the City of Los Angeles Office of Finance, applying this background to help clients with tax-aware strategies within their wealth plans. He holds a Bachelor's degree in Economics from Loyola Marymount University and a certificate in Accounting from UCLA. Additionally, he has earned the Certified Investment Management Analyst (CIMA) designation awarded by the Investments & Wealth Institute in conjunction with Yale University. Outside of his professional role, David enjoys golfing, hiking, pickleball, reading, running, soccer, spending time with family, tennis, traveling, and yoga.

Christopher De Meyer is a financial advisor at Charles Schwab with six years of industry experience. He holds Series 63 and Series 66 credentials and has worked at firms including JP Morgan Chase Bank, Frost Bank, and Charles Schwab. Outside of his advisory work, he is involved in managing a personal rental property with his spouse. 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 client relationship model that combines non-discretionary advisory recommendations with access to discretionary separately managed accounts, supported by multi-asset model portfolios and due diligence from Schwab’s Center for Financial Research.

Gail Isaacson is a financial advisor with Cetera in Danville, CA, holding a Series 66 designation and 24 years of industry experience. She has been with Cetera and its affiliate Cetera Financial Specialists LLC since 2004 and has owned and operated Isaacson and Company, a tax, accounting, and bookkeeping practice, since 1977. Outside of her advisory and accounting work, she is involved in sales of Medicare supplement and Part D policies and operates a machine quilting and embroidery business. Cetera Investment Advisers LLC is a large SEC-registered firm serving individual investors, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and consulting services through a multi-manager platform that includes affiliated and third-party managers, providing investment solutions across various program structures and custodial relationships.

Luis Sovero is a financial advisor with Wells Fargo Clearing in Danville, CA, holding a Series 66 designation and 24 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC and Wells Fargo Bank, N.A. He has a long tenure within the Wells Fargo organization. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Shawn Henley is a financial advisor with Morgan Stanley in Pleasanton, CA, holding a Series 63 designation and over 39 years of industry experience. He has been with Morgan Stanley and its affiliates since 2007, including roles at Morgan Stanley & Co., Morgan Stanley Smith Barney, and Morgan Stanley Private Bank, National Association. Outside of his advisory work, he is a sole proprietor of a rental home business. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a broad range of advisory programs and tailored financial planning. The firm employs a structured planning process using proprietary tools and models while providing both direct and employer-based financial planning services.

Lili Huang 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 firms including New York Life Insurance Company and Enterprise Rent-A-Car. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework when recommending investment strategies.

Andrew Parrott is a financial advisor with Cetera who holds a Series 66 designation and has 10 years of industry experience. His prior roles include positions at Edward Jones and Clifford Square Wealth Advisors. Outside of his advisory duties, he serves as president of the Lamorinda Rugby Football Club and as secretary of the Lafayette Water Polo Foundation board. Cetera Investment Advisers LLC operates as a multi-manager platform serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services, utilizing affiliated and third-party managers across various program structures and custodial relationships.

Matthew Weaver is a CFA® charterholder and Series 63 licensed advisor with 12 years of industry experience. He has been with LPL Financial since 2016 and also works with Fremont Bank, where he has been active since 2015. Prior to joining LPL, he spent a year at Sorrento Pacific Financial, LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting services, utilizing both discretionary and non-discretionary management alongside model portfolios and research.

Meiting Lin is a Series 66-licensed financial advisor at J.P. Morgan Securities with one year of industry experience. Prior to joining J.P. Morgan Securities in 2026, Lin worked at Citibank and Bank of America. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a process that combines quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

Nathaniel Hintz is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and 20 years of industry experience. His prior experience includes roles at Insight Wealth Strategies, Mutual Securities, and Lincoln Financial Advisors Corporation. 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 advisors. The firm offers a range of advisory programs, financial planning, and retirement consulting, providing both discretionary and non-discretionary management supported by in-house and third-party research.

Hok In Un is a Series 66 licensed advisor at J.P. Morgan Securities with six years of industry experience. Prior to joining J.P. Morgan, he worked at Tumi Inc. from 2016 to 2020. He has held positions at both JPMorgan Chase Bank, N.A. and J.P. Morgan Securities LLC since 2020. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a combination of quantitative asset-allocation modeling and centralized due diligence. The firm applies an ESG eligibility framework in its recommendations and delivers services on a non-discretionary basis.