Christine Cabras is a financial advisor with Eagle Strategies (NY Life) in San Ramon, CA, holding Series 63 and Series 65 licenses and five years of industry experience. She has worked at Eagle Strategies since 2024 and has prior experience with NYLIFE Securities LLC and New York Life Insurance Co. Outside of her advisory role, she is involved in family health advising, mentoring a teen and her mother, and works with In House Support Services. Eagle Strategies serves a diverse client base including individual investors, retirement plans, and institutional clients, providing financial planning, investment management, and retirement-plan advisory services. The firm offers multiple program types and emphasizes tailored recommendations, managing the majority of its assets on a non-discretionary basis within an integrated New York Life affiliate structure.

Jason Diaz is a financial advisor with Kestra Advisory Services, holding a Series 66 designation and 14 years of industry experience. He has been with Kestra Advisory and Kestra Investment Services since 2016. Outside of his advisory role, Diaz serves on the Board of Directors for the Selective Service System and participates in motorcycle racing activities, including serving as a treasurer for a racing organization. Kestra Advisory Services provides investment advisory and retirement-plan consulting to both institutional and individual clients, offering services such as fiduciary consulting, plan design, investment advice, and employee education. The firm serves large institutional investors and employs multiple management platforms and third-party solutions in its supervisory framework.

Joseph Carrano is a financial advisor at Citigroup Global Markets with 16 years of industry experience. He holds the ChFC® designation along with Series 63, 65, and 66 licenses. His work history includes roles at Farmers Insurance, Carrington College, and operating his own firms, Carrano Insurance Services, LLC and Carrano Financial Services, Inc. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs supported by internal oversight and multi-asset strategies. The firm combines institutional scale with unique market roles, including in-house research and security-pricing, and provides both discretionary and non-discretionary investment solutions.

Joy Puyear is a financial advisor at MAI Capital Management, LLC with 19 years of industry experience. She holds the Series 66 designation and has worked at MAI Capital Management since 2022, following 15 years at INTERSECT CAPITAL, LLC (formerly Financial Horizons). She also serves as President of the Sun Valley Vineyards Homeowners Association. MAI Capital Management, LLC provides investment management, wealth management, retirement plan consulting, and family-office services to individuals, families, sports professionals, trusts, and institutional clients. The firm manages $72.3 billion in assets and offers customized portfolio management across various strategies, integrating financial planning and tax services for its clients.

Terrance Murray is a Certified Financial Planner (CFP®) with 25 years of industry experience, currently serving at Sanctuary Advisors, LLC since 2019. His prior roles include positions at Bank of America and Merrill Lynch. Outside of advisory work, he is involved as a shareholder and limited partner in multiple Supercut franchise businesses and is an approved FINRA arbitrator. Sanctuary Advisors, LLC provides investment advisory and financial planning services to a diverse client base, including individuals, corporations, pension and profit-sharing plans, trusts, estates, and charitable organizations. The firm supports its network of over 400 independent investment adviser representatives with a variety of portfolio management options and specializes in both discretionary and non-discretionary account management using multiple investment approaches.

Robert Wright is a financial advisor at Principal Financial Services with 27 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Principal Securities Inc since 1998. 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 offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager asset allocation and separately managed account solutions.

Melissa Yue is a Certified Financial Planner® with 19 years of industry experience. She is currently with Sanctuary Advisors, LLC, where she has worked since 2021. Her prior experience includes roles at Bank of America and Merrill. Sanctuary Advisors, LLC offers investment advisory and financial planning services to a diverse client base, including individuals, corporations, pension plans, trusts, and charitable organizations. The firm supports its independent investment adviser representatives with a variety of portfolio management options and leverages a combination of analytical approaches, while maintaining fiduciary responsibility under written advisory agreements.

Tracy Tamura is a ChFC® credentialed financial advisor with six years of industry experience. She is currently affiliated with United Planners Financial Services of America as a Limited Partner. Her prior work includes roles at Liberty Wealth Management, Midland National Life, Hansen & Associates Financial Group, and McNeil Financial. United Planners Financial Services is a national wealth-management enterprise serving a diverse client base, including individual investors, retirement plans, corporations, trusts, estates, and institutional clients. The firm offers advisory and brokerage services through independent representatives and employs a range of custodians, money managers, and platform programs to execute client strategies.

David Ramirez is a financial advisor at Empower Advisory Group in Lafayette, CA, holding Series 63 and Series 65 licenses with 24 years of industry experience. He has worked at GWFS Equities, Inc. and SII since 2015. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, along with Empower Premier IRA and certain retail brokerage clients. The firm delivers services through an integrated model linked to Empower’s recordkeeping and administrative platforms, offering both point-in-time financial plans and optional managed account solutions.

Mark Ericson is a financial advisor at Mercer Global Advisors Inc. with 16 years of industry experience. He holds the CFP®, ChFC®, and Series 66 designations. Prior to joining Mercer, he worked at Fidelity Brokerage Services LLC and held roles at Bank of America and Merrill. Mercer Global Advisors serves a diverse client base including individuals, high-net-worth families, small business owners, corporate plan sponsors, foundations, and nonprofits. The firm employs a Modern Portfolio Theory-based investment approach featuring globally diversified, risk-appropriate portfolios with multi-factor tilts, and offers a range of portfolio management and planning services.

Graham Wright is a CFP® with 17 years of industry experience, currently serving as an advisor at OSAIC Institutions, Inc. He has held prior roles at Infinex Investments, Inc., First Brokerage America, LLC, and Thrivent Financial for Lutherans. Outside of advisory work, he is involved with First Bank. OSAIC Institutions, Inc. is an SEC-registered investment adviser serving individuals, ERISA retirement plans, trusts, estates, and corporate clients through a network of investment adviser representatives. The firm offers customized advisory services, financial planning, ERISA plan services, and access to alternative investments, operating a hybrid advisor/broker-dealer model with both discretionary and non-discretionary accounts.

Jennifer Yacoube is a CFP® professional with 10 years of industry experience, currently serving as an advisor at Focus Partners Wealth, LLC. Her prior experience includes roles at Adero Partners, LLC, ALPS Distributors, Inc., and Litman Gregory Asset Management, LLC. Outside of financial advisory, she owns and manages a vacation rental property in Dillon Beach. Focus Partners Wealth, LLC provides wealth management and advisory services to individuals, high-net-worth families, family offices, and institutional clients. The firm employs a long-term, tax- and fee-sensitive investment approach blending active and passive strategies, third-party managers, and private funds.

Patti May is a financial advisor at J.W. Cole Advisors, Inc. with 10 years of industry experience. She holds the Series 63 and Series 65 designations and previously worked at Global Financial Private Capital, LLC. In addition to her advisory role, she operates as a self-employed insurance agent focused on the sale of fixed annuities and life insurance. J.W. Cole Advisors is an SEC-registered investment adviser serving individuals, charities, corporations, and retirement plans through a national network of over 400 independent investment adviser representatives. The firm provides portfolio management, fee-based financial planning, access to third-party managers, and various managed account solutions.

Evelyn Duka is a financial advisor with Osaic Advisory Services, LLC in Lafayette, CA. She holds Series 63 and Series 66 licenses and has 24 years of industry experience. Prior to joining Osaic in 2024, she worked with Arbor Point Advisors and Securities America from 2017 to 2024, and has operated Kaylyn Financial since 2007. Outside of advisory roles, she provides tax preparation services for individual clients. Osaic Advisory Services, LLC is an SEC-registered investment adviser serving a broad client base, including individuals, pension plans, corporations, and charitable organizations. The firm offers a range of services such as investment management, financial planning, retirement consulting, and specialized solutions, delivering advisory services through multiple program models using a combination of proprietary and third-party platforms.

Dennis Culver is a financial advisor with Ameritas Advisory Services, LLC, holding a Series 66 designation and bringing 10 years of industry experience. He has worked at several firms, including Insight Wealth Strategies, Lincoln Financial Advisors, and Ameriprise Financial Services. Outside of financial advising, Culver contributes as a reporter for Bay City News. Ameritas Advisory Services, LLC provides investment advisory and financial planning services to a diverse client base, including individual investors, retirement plans, charitable organizations, and corporate clients. The firm offers a variety of managed account programs and fee-based management of variable annuity and universal life subaccounts, supported by internal and third-party portfolio management resources.

Anne Garrity is a financial advisor with VOYA Financial Advisors, Inc. based in Walnut Creek, CA. She holds Series 63 and Series 65 licenses and has 25 years of industry experience. Her work history includes roles at Voya Retirement Advisors, TIAA, and different VOYA entities. VOYA Financial Advisors, Inc. serves a diverse client base including individual investors, retirement plan sponsors, charitable organizations, corporations, and high-net-worth individuals. The firm provides services such as financial planning, portfolio management, and plan-sponsor consulting through various program structures, with a notable emphasis on recommendation-based, non-discretionary relationships.

Robert Fink is a CFP® professional with 30 years of industry experience. He is currently with Rockefeller Financial LLC and Rockefeller Capital Management, having previously worked at Bank of America and Merrill. Rockefeller Financial LLC serves high-net-worth and ultra-high-net-worth individuals, families, family offices, institutional clients, retirement plans, foundations, and corporations. The firm offers a range of portfolio management, financial planning, and consulting services, and operates as a registered broker-dealer providing securities transactions, variable insurance products, and placement and investment banking services.

Jayne Smith is a CFA® charterholder with 32 years of industry experience. She is currently with Focus Partners Wealth, LLC and has previously worked at Adero Partners, Vista Wealth Management, and Pacific Advisory Group. Focus Partners serves individuals, high-net-worth families, family offices, corporate and institutional clients with comprehensive wealth management and advisory services. The firm employs a long-term, tax- and fee-sensitive investment approach that combines active and passive strategies within an enhanced open architecture framework.

Kevin Sweeney is a financial advisor with Cetera Planning Partners, holding the PFS™ and Series 66 credentials and bringing 25 years of industry experience. He has a long-standing career including significant tenure at Avantax and 1st Global Advisors, and he is also a partner at Sweeney Kovar LLP, a public accounting firm where he prepares tax returns and provides attest services. Outside of advising, he chairs the investment sub-committee for Moreau Catholic High School. Cetera Planning Partners serves individual and high-net-worth clients, focusing on pre-retirees and retirees with services that include investment management, comprehensive financial planning, and Social Security optimization. The firm’s investment approach leverages diversified mutual fund and ETF allocations tailored to clients’ objectives and risk tolerance and is distinguished by its integration within the larger Cetera network, offering affiliated broker-dealer and custodial resources along with ancillary services such as tax planning and estate strategies.

Nicholas Hengl is a CFP® with nine years of industry experience, currently advising at Mariner since 2025. His prior roles include positions at Dalewood Wealth Management, HFG Advisors (formerly Prime Wealth Management), Fisher Investments, and JP Morgan. Mariner serves a diverse client base including individuals, pension plans, trusts, and charitable organizations, offering investment management, financial planning, retirement plan consulting, and tax services. The firm employs discretionary, customized portfolios supported by in-house research and third-party managers, and is notable for integrating tax and accounting services alongside its advisory capabilities.