Thuy Khanh Tran is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at JP Morgan entities since 2014, including JPMorgan Chase Bank, N.A. Since 2014, she has been associated with JP Morgan Securities LLC. 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 through a select group of Wealth Advisors. As a subsidiary of J.P. Morgan, the firm combines institutional advisory operations with brokerage, distribution, and investment management capabilities.

Thomas Nohr is a CFP® professional with 40 years of experience in financial advising. He has been with Cambridge Investment Research Advisors since 2017 and previously worked at National Planning Corporation. Outside of advising, he is involved in several businesses including operating Sonoma Travel Service as a travel agent and tour leader. Cambridge Investment Research Advisors serves a wide range of clients, including individuals, retirement plans, and charitable organizations, by offering financial planning, investment management, and retirement plan advisory services through a network of independent financial professionals. The firm provides various portfolio management options and maintains proprietary and third-party investment strategies, along with documented advisor business relationships that include professionals with legal and accounting backgrounds.

Ned Milin is a financial advisor with Morgan Stanley in Orinda, CA, holding Series 63 and Series 66 licenses with 22 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory role, he serves as a football coach at De La Salle High School. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and data-driven modeling techniques.

Derek Bystrom is a CFP® professional with 27 years of industry experience, currently serving at Charles Schwab in Pleasanton, CA. He has been with Charles Schwab since 1999 and with Charles Schwab Bank since 2005. His credentials also include Series 63 and Series 65 licenses. 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 provides a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, utilizing multi-asset model portfolios and a formal alternative-investment due diligence process.

Eric Luong is a financial advisor at Merrill holding a Series 66 designation. He has less than one year of industry experience and has worked previously at Park Avenue Securities, Guardian Life Insurance Company, Vanguard, and Bank of America. His background also includes roles outside of financial services, such as positions at Lifo.ai and SPI Energy, as well as academic experience at Santa Clara University and the University of California, Berkeley. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Perlita Gudilano is a financial advisor with Morgan Stanley in Pleasanton, CA, holding Series 63 and Series 65 licenses and has 16 years of industry experience. She has been with Morgan Stanley Smith Barney since 2010. Outside of advising, she operates an online franchise business based in Manila, Philippines. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety 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 analyses.

Edward Harris is a financial advisor with LPL Financial in San Leandro, CA, holding a Series 66 designation and 14 years of industry experience. His prior roles include positions at J.P. Morgan Securities, Fremont Bank, Sorrento Pacific Financial LLC, and Waddell & Reed. He is also involved as a Wealth Management Private Banker with Fremont Bank. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides a range of advisory and brokerage services, including financial planning, model portfolio programs, and access to institutional platforms such as the Bank Wealth Program.

Gareth Crossley is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he has been serving clients since 1998. He holds the CERTIFIED FINANCIAL PLANNER® designation awarded by the Certified Financial Planner Board of Standards, Inc., the Chartered Retirement Planning Counselor™ designation from the College for Financial Planning Institutes Corp., and the Wealth Management Advisor (WMA) title, which demonstrates his expertise in advanced wealth management strategies. Gareth is a graduate of the United States Naval Academy and served in the Marine Corps for seven years, leaving as a Captain. His areas of expertise include college education planning, executive compensation, family wealth management strategies, investment consulting for defined contribution plans, legacy planning, managing new wealth, personal retirement planning, and portfolio management services. He lives in Danville, CA, with his wife Tiffiny and son Tristan. Gareth and his family enjoy spending time outdoors and exploring different parts of the world.

Cristania Gourdet is a financial advisor with Edward Jones in San Leandro, CA, holding a Series 66 designation and seven years of industry experience. She previously worked at US Bank from 2015 to 2019 before joining Edward Jones in 2019. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs and investment strategies through a nationwide network of over 23,700 financial advisors.

Ashveen Goundar is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and four years of industry experience. He has worked at Wells Fargo Bank, N.A. since 2016 and has held positions at Jack in the Box and Nations Hamburger. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions supported by research from the Wells Fargo Investment Institute.

Charles Shreve III is a financial advisor with LPL Financial in Danville, CA, holding Series 63 and Series 66 credentials and bringing 36 years of industry experience. His career includes roles at Fremont Bank, Merrill, Bank of America, Fidelity, Ameriprise, Waddell & Reed, and U.S. Bancorp Investments. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to third-party asset management, supported by technology tools and a broad platform of non-advisory financial services.

Micah Johnson is a financial advisor with LPL Financial, holding a Series 66 designation and four years of industry experience. Prior to joining LPL Financial in 2022, he worked at Empire Pavers and Empire Medical. Outside of his advisory role, he operates a reseller business unrelated to investments. 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 financial planning and investment management solutions through a large network of advisors and incorporates both proprietary and third-party strategies.

Thomas Kelly is a CFP® and ChFC® credentialed financial advisor with 34 years of industry experience. He is currently with Raymond James Financial Services Advisors, Inc. and previously worked at Edward Jones and Pacific Life. Outside of his advisory role, he is also involved as a musician in a band. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm employs analytical tools such as risk profiling and probability modeling to tailor non-discretionary planning and consulting to client goals.

Ryan De La Torre is a CFP® with 20 years of industry experience, currently affiliated with Cetera since 2025. He previously worked for Allstate Financial Advisors, LLC and Allstate Insurance Co for 15 years and has operated De La Torre Financial Group since 2016. He serves as a board member and participates in the finance committee for Friends of CASE – Alameda County. Cetera Investment Advisers LLC is an SEC-registered adviser that serves individual, retirement plan, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform that includes affiliated and third-party managers, with over $256 billion in assets under management.

Steven Moone is a financial advisor at J.P. Morgan Securities with six years of industry experience. He holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2018. Prior to his finance career, he was involved with Flow Studios from 2016 to 2018. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm delivers these services on a non-discretionary basis, combining large institutional advisory operations with broker-dealer and investment adviser registrations.

Linda Kime is a financial advisor with Edward Jones in Livermore, CA, holding a Series 66 designation and 17 years of industry experience. She has been with Edward Jones since 2009. Outside of her advisory role, she has interests in oil well royalties through HG Energy II Appalachia LLC. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including both non-high-net-worth and high-net-worth households. The firm offers a range of investment strategies and advisory services, supported by a large network of financial advisors and branch offices nationwide.

Naushaba Rashid is a CFP® professional with 34 years of industry experience, currently serving at Wells Fargo Clearing since 2016. She previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and rooted in modern portfolio theory, with an emphasis on fiduciary responsibility and a broader range of financial product offerings including insurance-related vehicles and bank deposit sweep options.

Shane Westhoelter is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 designations and bringing 33 years of industry experience. His career includes roles at Continuity Partners Group, Gateway Financial Advisors, and a long-standing involvement with the National Information Network Ministry. Outside of his advisory work, he is an author and serves on nonprofit boards, including the Amyotrophic Lateral Sclerosis Association of New Mexico, and participates in various entrepreneurial ventures such as retail businesses and music promotion. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension and profit-sharing plans, and charitable organizations, providing financial planning, investment management, retirement advisory, and financial wellness services through a broad network of independent Financial Professionals. The firm offers multiple investment platforms and strategies, including proprietary models and access to unaffiliated strategists, with both discretionary and non-discretionary management tailored to client objectives.

Ivana Block is a financial advisor with Merrill, holding a Series 66 designation and 11 years of industry experience. She has been with Merrill and its parent company, Bank of America N.A., since 2014. Outside of her advisory role, Ivana is a co-owner of a family rental property business. Merrill, together 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Diana Chan is a CFP® professional with 34 years of industry experience, currently affiliated with Osaic. She spent 32 years with Woodbury Financial Services before joining Osaic in 2024. In addition to her advisory role, she holds licenses to sell fixed insurance products and fixed indexed annuities. Osaic serves a broad mix of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and advisory services, financial planning, and access to third-party money managers and managed-account solutions.