Michael Devere is a financial advisor at OSAIC with 18 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Lincoln Financial Advisors Corporation, Mass Mutual Investors Services, Massachusetts Mutual Life Insurance Company, and Metlife Securities Inc. In addition to his advisory role, he is an agent offering accident, health, disability, long-term care, and traditional life insurance products along with fixed and equity-indexed annuities. OSAIC serves a wide range of retail and institutional clients, providing integrated brokerage and advisory services, financial planning, and access to multiple investment platforms and third-party money managers. The firm employs various asset-allocation tools and supports both discretionary and non-discretionary account management, offering diversified portfolios across multiple asset classes.

David Santos is a financial advisor with Wells Fargo Clearing in Castro Valley, CA, holding Series 63 and Series 65 credentials and eight years of industry experience. He has worked with Wells Fargo Clearing Services LLC since 2017 and has been associated with Wells Fargo Bank NA since 2015. Wells Fargo Clearing provides retirement plan consulting services 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 incorporates modern portfolio theory, with a notable range of investment options including insurance-related vehicles and bank deposit sweep programs.

Danny Pham is a financial advisor with Charles Schwab, holding a Series 66 designation and 27 years of industry experience. He has been with Charles Schwab since 2000 and has worked at Charles Schwab Bank 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 offers both non-discretionary investment guidance and access to discretionary separately managed accounts, supported by a centralized operational structure and multi-asset model portfolios.

Eunice Scholten is a CFP® professional with over 26 years of industry experience, currently advising clients at Edward Jones since 2006. She holds Series 63 and Series 65 licenses. Outside of her advisory role, Eunice is involved as an owner and trustee of family investment trusts holding rental properties in California and Iowa. Edward Jones is a full-service wealth management firm serving individual and institutional clients with over $1 trillion in assets under management. The firm offers a wide range of advisory programs and investment solutions supported by a national network of more than 23,000 financial advisors and over 15,000 branch offices.

Narges Kadirzada is a financial advisor at Merrill with nine years of industry experience. She holds a Series 66 designation and has previously worked at UBS Financial Services, J.P. Morgan Securities, Morgan Stanley, and Wells Fargo Advisors. 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 model-based and discretionary strategies developed by internal teams and third-party managers, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Gurmeet Gulati is a financial advisor with Merrill based in Livermore, CA, holding a Series 66 designation and 19 years of industry experience. He has been with Merrill and its affiliate Bank of America, N.A. since 2012. Merrill, together with Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies to a range of clients including individuals, high-net-worth clients, and institutions.

Kevin Olison is a financial advisor with LPL Financial in San Ramon, CA, holding Series 63 and Series 65 registrations and bringing 22 years of industry experience. His career includes roles at Grove Point Investments, H. Beck, Inc., and Vanderbilt Advisory Services. He also operates Savvy Caregiving for Boomers, a business offering services related to caregiving for baby boomers. 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 a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by extensive research and operational tools.

Bolor Erdene Nergui is a financial advisor at Merrill with a Series 66 designation. She has held positions at Merrill and Bank of America since 2025 and 2026 respectively, and previously worked at ABB LLC, Bugat Corporation, and Instacart. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Ambreen Baig is a financial advisor at Wells Fargo Clearing with four years of industry experience. She holds a Series 66 designation and has worked previously at IndusInd Bank and ICICI Bank Ltd. Baig is based in Walnut Creek, CA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice grounded in modern portfolio theory. The firm includes a broad range of financial products, such as insurance-related vehicles and bank deposit sweep options, in its investment menus.

Robert Duncan Anderson is a CFP® with 19 years of industry experience, currently affiliated with Raymond James Financial Services Advisors, Inc. He previously spent 14 years at Commonwealth Financial Network. In addition to his advisory work, he serves as Treasurer and Board Member for the Danville Oaks Rugby Club, overseeing its financial policies and reporting. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base including individuals, institutions, and charitable organizations. The firm emphasizes tailored, non-discretionary planning using risk profiling and analytical modeling to support client goals.

Robin Sherwood is a financial advisor with Morgan Stanley in Pleasanton, CA, holding Series 63 and Series 65 licenses and possessing 31 years of industry experience. He has been with Morgan Stanley in various roles since 2009, including at Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients by offering a range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides planning services directly and through corporate agreements.

Fei Liu is a financial advisor at Wells Fargo Clearing with seven years of industry experience. She holds the Series 63 and Series 66 designations and has worked at Wells Fargo Bank N.A. and Wells Fargo Clearing Services LLC since 2014 and 2019, respectively. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, retirement plan consulting, and wrap-fee programs. The firm manages approximately $671 billion in assets and provides both brokerage and advisory services, utilizing research from Wells Fargo Investment Institute and third-party sources to support diversified portfolio strategies.

My Moore is a Series 66-registered financial advisor with Edward Jones, based in Dublin, CA, and has two years of industry experience. Prior to joining Edward Jones, Moore worked for the Dublin Unified School District. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of discretionary and non-discretionary investment strategies supported by a nationwide network of more than 23,000 advisors.

Xuzhen Li is a financial advisor at Mass Mutual Investors Services with a Series 66 designation and one year of industry experience. Prior to joining MassMutual, Li held positions at Fortemedia Inc and PicoAI Inc, and worked at Telink Micro Inc for nine years. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, structuring planning engagements as annual, collaborative relationships that focus on goal analysis and recommendation of investment strategies.

Raoul Guillarte is a Wealth Management Advisor with Merrill Lynch Wealth Management. In this role, he tailors wealth management strategies to a select number of clients based on their individual goals. He leverages the resources of Merrill Lynch and the banking services of Bank of America to support clients' financial needs. Raoul's expertise encompasses education planning, managing new wealth, personal retirement planning, women and wealth, tax minimization, and retirement income. He earned the Certified Private Wealth Advisor® (CPWA®) designation in 2021 through the Investments and Wealth Institute® and Yale School of Management, which focuses on addressing the complex needs of high net worth clients. He holds a Bachelor of Arts degree from the University of California, Davis, and a Juris Doctorate from the San Francisco School of Law. In his personal time, Raoul enjoys spending time with his wife and daughter and follows sports closely, particularly teams from his hometown of Chicago, including the Bears, Bulls, and Cubs.

Kimbrely Gruidl is a financial advisor with LPL Financial in Fremont, CA, holding Series 63 and Series 66 credentials and 13 years of industry experience. Prior to joining LPL Financial in 2018, she worked at U.S. Bank and U.S. Bancorp Investments. She also serves as a Notary Public. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services through a large network of representatives to individuals, retirement plans, banks, and institutions, offering a range of financial planning and investment management solutions.

Lauren Gershon is a financial advisor at Fidelity with a Series 66 designation and six years of industry experience. Her career includes roles at Fidelity Investments, FIDELITY Brokerage Services LLC, TD Ameritrade, and TD Bank. Fidelity's Strategic Advisers LLC, where she is based, provides investment management and advisory services to retail and institutional clients. The firm employs a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios and offers advisory services including fund management and consulting.

Antonio Accardo is a financial advisor with Mass Mutual Investors Services in Pleasanton, CA, holding Series 63 and Series 65 credentials and bringing 18 years of industry experience. He has worked at MML Investors Services, Inc. and Mass Mutual Financial Group since 2008. Additionally, he has been involved with Villa Romana Inc. since 1992. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative, annual financial planning relationships and offers specialized programs including divorce planning and event-driven services such as estate settlement and employer-sponsored planning.

Kai Li is a Financial Consultant currently affiliated with Fidelity Investments since 2022. In this role, Kai provides comprehensive guidance throughout the financial planning process, working closely with clients to understand their objectives and develop long-term strategies tailored to their unique circumstances. Kai has over a decade of experience in financial services, including previous positions as Vice President and Financial Solutions Advisor at Merrill from 2017 to 2022, Senior Relationship Manager at Bank of America from 2013 to 2017, and Wealth Management Advisor at China Merchants Bank from 2010 to 2012. This extensive background supports Kai's expertise in delivering disciplined and thoughtful financial strategies. Kai holds a CA Insurance License and is a Certified Financial Planner (CFP4) professional.

Virgil Threlkeld is a financial advisor with LPL Financial in Alamo, CA, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. His prior roles include positions at Advantage Wealth Advisors, First Allied Advisory Services, Cetera Wealth Services, UBS Financial Services, and Morgan Stanley. Threlkeld’s professional background includes a decade at Advantage Wealth Advisors, which operates as a DBA under LPL Financial. 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 services including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by both discretionary and non-discretionary investment strategies.