Eavenson Horter is a financial advisor at UBS Financial Services with 21 years of industry experience. He previously worked at J.P. Morgan Securities Inc and JPMorgan Chase bank for nine years. Horter serves as a strategic advisor to California Labs, Inc., a technology company focused on family communication devices. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services to tailor plans based on proprietary research and capital market assumptions.

Eddy Gutierrez is a financial advisor at Wells Fargo Advisors with 33 years of industry experience. His prior roles include positions at Oppenheimer and Bank of America, N.A. He holds Series 63 and Series 65 licenses. Outside of his advisory work, Gutierrez is managing partner of California Street Wealth Management LLC and CEO of Chaves Ventures Corp, both financial services firms based in San Rafael, CA. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by offering a wide range of investment and fee-based financial planning services. The firm provides tailored recommendations using proprietary research and planning tools, with planning engagements typically provided on a discrete basis.

Richard Mansfield is a financial advisor at Charles Schwab with 14 years of industry experience. He holds a Series 66 designation and has worked previously at Fidelity Investments, Morgan Stanley, and E*Trade Capital Management. Outside of his advisory role, he owns rental properties. Charles Schwab 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 integrated custody, brokerage, and cash management services.

John Williams is a financial advisor at Morgan Stanley with 15 years of industry experience. He holds the Series 66 designation and has previously worked at Bank of America and Merrill. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a variety of advisory programs and tailored financial planning using structured processes and firm-approved tools.

Susan Brennan is a financial advisor at Wells Fargo Clearing with 24 years of industry experience. She holds the Series 66 designation and has been with Wells Fargo since 2002, including roles at Wells Fargo Investments and Wells Fargo Clearing. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Peter Cook Jr. is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 designations and 29 years of industry experience. He has worked at Wells Fargo Investments and Wells Fargo Clearing since 2004. Outside of his advisory role, he is involved in endorsing a book titled "MAKE YOUR DESTINY HAPPEN." Wells Fargo Advisors provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients nationwide. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Helen Irungu is a financial advisor at Wells Fargo Clearing with 35 years of industry experience. She holds Series 63 and Series 65 designations and has been with Wells Fargo since 2016. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets with more than 14,000 financial advisors and offers a range of brokerage and advisory solutions.

Angela Herico is a financial advisor with Wells Fargo Clearing in Corte Madera, CA. She holds the Series 66 designation and has 10 years of industry experience, all with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages roughly $671 billion in assets with over 14,000 financial advisors and offers a range of brokerage and advisory solutions.

Geoffrey Aden is a financial advisor at OSAIC with 35 years of industry experience. His prior roles include positions at Woodbury Financial Services, Cetera Advisors, and LPL Financial. He operates a sole proprietorship providing insurance case design and serves as a trustee managing family investment activities. OSAIC Wealth serves a diverse client base including retail investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform offering brokerage and advisory services. The firm’s investment process focuses on model-based asset allocation and portfolio optimization, supported by various advanced tools and strategies.

Christian Frederiksen is a financial advisor with Cetera who holds a Series 66 designation and has 28 years of industry experience. He has worked at Cetera and its affiliated entities since 2025, with prior experience at Avantax Investment Services and 1 St Global Capital Corp. Frederiksen is also a shareholder and officer of Frederiksen-Crawford CPAs Inc., a tax and consulting firm, and serves as vice president of Cyber 631 Inc., a company involved in cybersecurity software sales. 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 diverse portfolio management and financial planning services through a large network of independent advisors, employing a multi-manager platform with a range of program structures and custodial relationships.

Samuel Oliver is a CFP® professional affiliated with LPL Financial, bringing 21 years of industry experience. He previously worked at Avantax Insurance Services and Avantax Investment Services and has operated Oliver Financial, Inc., a tax and investment-related business, since 1986. In addition to his advisory work, he owns a CPA business specializing in tax preparation and accounting. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm supports a wide range of investment strategies and platforms, combining advisory services with various financial activities and oversight of substantial discretionary assets.

Sarah Pieri is a financial advisor at Wells Fargo Clearing with a Series 66 designation and two years of industry experience. She has held various roles including positions at RMI Mechanical Contractors and Sonoma State University. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Peter Salcuni is a financial advisor at Fidelity with 14 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Caldwell Sutter Capital and Computershare NA. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients, including an IRS-qualified Charitable Gift Fund and registered investment companies. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios built from mutual funds, ETFs, and ETPs.

Loren Kertz is a financial advisor with Charles Schwab, holding a Series 63 designation and 32 years of industry experience. He has been with Charles Schwab since 1996 and associated with Charles Schwab Bank, SSB since 2005. 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 operates as both a broker-dealer and investment adviser, offering bundled advisory, brokerage, custody, and cash-sweep services with a combination of non-discretionary and discretionary investment management options.

Vanessa Jilot is a CFP®-designated financial advisor with 17 years of industry experience, currently affiliated with LPL Financial. Her prior roles include positions at Terra Blue Wealth Management, Commonwealth Financial Network, Ameriprise Financial Services, Inc., and Intl Advisory Consultants Inc. Outside of her advisory work, she is a co-owner of Lagunitas General Store, LLC, a retail business in Lagunitas, California. 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, including financial planning and model portfolio programs, supported by extensive technology and a large network of over 22,000 advisors.

Fatima Romo is a financial advisor with Wells Fargo Clearing in Corte Madera, CA, holding a Series 63 designation and nine years of industry experience. She has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors serves individual, corporate, and institutional clients with a range of investment advisory services, financial planning, and retirement plan consulting, managing approximately $671 billion in assets across more than 14,000 financial advisors. The firm combines brokerage and advisory solutions and employs research and analytics grounded in diversification principles and modern portfolio theory.

Richard Roman is a financial advisor with Mass Mutual Investors Services in Novato, CA, holding the CFP® designation and Series 63 and 65 licenses. He has 25 years of industry experience and has been with MML Investor Services since 2001. Outside of his advisory role, he is also an insurance agent. MML Investor Services, LLC is a broker-dealer and SEC-registered investment adviser providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers a range of programs including wrap and money-manager options, alongside educational seminars.

Michael Gorton is a financial advisor at Wells Fargo Clearing with 44 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Wells Fargo Clearing since 2016. Prior to that, he spent nine years with A. G. Edwards & Sons, Inc. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages roughly $671 billion in assets and offers both brokerage and advisory solutions.

Mila Coffey is a CFP® and PFS™ with 29 years of experience in financial advisory and tax services. She is currently with Cetera and has held roles at multiple related firms since 1997, including Avantax and PH Tax & Wealth Solutions, CPAs, Inc. Outside of her advisory work, she serves on the board of the Contra Costa College Foundation and volunteers as an ambassador for the East Bay Regional Park District. Cetera Investment Advisers LLC is a large SEC-registered firm that serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform that allows advisors to implement a range of portfolio strategies across discretionary and non-discretionary program structures.

Matthew Walker is a financial advisor with Charles Schwab, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. He has been with Charles Schwab and Charles Schwab Bank since 2008. 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 a multi-asset investment approach supported by centralized custody and operational infrastructure.