Catherine Mendoza is a financial advisor at Virtue Capital Management, LLC with 10 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Horter Investment Management, LLC. Outside of her advisory role, she owns and operates a financial accounting and bookkeeping business and serves as director of a company that connects small business owners with capital lenders. Virtue Capital Management, LLC is a multi-team registered investment adviser serving individuals, trusts, estates, charitable organizations, corporations, qualified retirement plans, and other advisers. The firm employs a mix of tactical, strategic, and dynamic investment approaches and offers portfolio management, financial planning, third-party due diligence, and sub-advisory services.

Nicholas Gizzarelli is a financial advisor at Earned Wealth Advisors, LLC with 14 years of industry experience. He holds a Series 65 designation and previously worked at Capital Performance Advisors LLP d/b/a Thomas Doll and Oriole Advisors, LLC. Earned Wealth Advisors serves individual and institutional clients, specializing in physicians, dentists, and their practice employees, providing comprehensive financial planning, wealth management, and retirement plan consulting. The firm utilizes independent investment managers and model portfolios, with ongoing monitoring and access to alternative investment strategies, supported by a suite of affiliated businesses and educational resources.

Jia Xu is a financial advisor at Concentric with five years of industry experience. She holds a Series 65 credential and previously worked at Advisor Partners, LLC from 2016 to 2022 before joining Concentric. Concentric provides discretionary sub-advisory portfolio management and model portfolio construction primarily to other registered investment advisers and financial institutions. The firm integrates quantitative portfolio-optimization software with qualitative oversight to tailor investment accounts, offering specialized strategies such as tax-loss harvesting, ESG overlays, and customizable fixed-income mandates.

Navjeet Chahal is a financial advisor with Earned Wealth Advisors, LLC and holds experience dating back to 2007 through prior roles at Chahal & Associates Inc. and Chahal & Associates LLC. He is also involved as a member in several business entities related to commercial real estate and hospitality. Earned Wealth Advisors serves individuals, high-net-worth clients, trusts, and employer-sponsored retirement plans, with a focus on doctors, dentists, and their practices. The firm employs a diversified, buy-and-hold investment approach supported by third-party consultants and an internal investment committee, offering financial planning, discretionary wealth management, and specialized retirement-plan advisory services.

Scott Lummer is a CFA® charterholder with 15 years of experience in the financial advisory industry. He has worked at Mariner Wealth Advisors since 2021 and previously spent 11 years at The Savant Group. Mariner serves a diverse client base including high-net-worth individuals, institutions, and charitable organizations, offering investment management, financial planning, retirement plan consulting, and tax services. The firm employs discretionary, customized portfolios supported by both internal research and third-party managers, and provides integrated tax, accounting, and CFO services uncommon at its enterprise scale.

Kathleen Kovar is a financial advisor at Cetera Planning Partners with 23 years of industry experience. She holds the PFS™ and Series 66 credentials and has an extensive background including roles at Avantax and 1st Global Advisors. Outside of her advisory work, she owns a small hobby vineyard where she produces wine for family and friends and occasionally sells excess grapes. Cetera Planning Partners serves individual and high-net-worth clients, focusing on pre-retirees and retirees by providing investment management, comprehensive financial planning, and specialized services such as Social Security optimization and tax planning. The firm’s investment approach emphasizes diversified allocations aligned with client objectives and risk tolerance, supported by integration into the larger Cetera network and a range of affiliated resources.

Damien Couture is a CFP® and ChFC® with 34 years of experience in the financial services industry. He is currently with Wealth Enhancement Advisory Services, LLC, where he has worked since 2021. His prior experience includes roles at LPL Financial, Walnut Creek Wealth Management, Cetera Advisor Networks LLC, and Jbc Financial Group, Inc. Wealth Enhancement Advisory Services, LLC is an SEC-registered enterprise advisory firm serving a wide range of clients, including individuals, trusts, estates, charitable organizations, corporations, and retirement plans. The firm offers financial planning, asset management, and specialized consulting, employing a strategic investment approach that combines passive and active management across multiple asset classes.

Brian Westcoat is a CFP® professional with 27 years of experience in the financial services industry. He is affiliated with Sanctuary Advisors, LLC and has worked at both Bank of America and Merrill Lynch for over 17 and 20 years, respectively. Outside of his advisory work, he serves as president of the 1874 Bonanza condominium homeowner association in Walnut Creek, managing meetings and financial budgeting. Sanctuary Advisors, LLC provides investment advisory and financial planning services to a diverse client base, including individuals, corporations, pension plans, and charitable organizations. The firm supports a network of more than 400 independent advisors who deliver tailored portfolio management and consulting services using a variety of analytical approaches and account structures.

Andrew Beck is a Series 66 licensed financial advisor with seven years of industry experience. He has worked at Mercer Global Advisors Inc. since 2019 and previously held roles at Patamar Capital and First Republic Investment Management. Mercer Global Advisors provides investment advisory and related planning services to a diverse client base, including individuals, high-net-worth families, small business owners, corporate plan sponsors, foundations, and nonprofits. The firm employs a globally diversified, risk-appropriate investment approach grounded in Modern Portfolio Theory, utilizing low-cost index vehicles and multi-factor tilts, with both discretionary and non-discretionary portfolio management options.

Konrad Kern is a financial advisor at Focus Partners Wealth, LLC with seven years of industry experience. He holds a Series 65 designation and has worked at several firms, including Media Wealth, LLC and Adero Partners, LLC. Prior to his financial advisory career, he was employed at General Nutrition Center and the University of California, Davis. Focus Partners Wealth serves individuals, families, charitable organizations, corporations, and institutional retirement plans, offering a wide range of services including investment management, financial planning, and employee benefit retirement plan services. The firm’s investment approach emphasizes long-term strategies with attention to tax and fee sensitivity, using a combination of active and passive strategies tailored to client needs.

Mary Ann Sullivan is a ChFC® credentialed financial advisor at Mercer Global Advisors Inc. with 33 years of industry experience. Prior to joining Mercer in 2026, she held advisory roles at Morgan Stanley, Wells Fargo Clearing Services, and several other financial firms. Mercer Global Advisors serves individuals, families, small business owners, plan sponsors, foundations, non-profits, and endowments by providing investment advisory alongside financial, tax, retirement, estate planning, and family office services. The firm employs a Modern Portfolio Theory-based approach, utilizing globally diversified portfolios with low-cost ETFs, index funds, and specialized strategies, supported by client education and a wide range of integrated service offerings.

Alexander Izmailov is a financial advisor at Private Advisor Group, LLC with 19 years of industry experience. He holds Series 63 and Series 66 licenses. His prior experience includes positions at Mariner Independent, LPL Financial, Insight Wealth Strategies, Mutual Securities, and Lincoln Financial Advisors. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans by offering portfolio management, financial planning, retirement plan consulting, and access to various managed account solutions. The firm employs a fiduciary-based advisory model and utilizes multiple investment strategies and technology platforms.

Christopher Riel is a financial advisor with Ameritas Advisory Services, LLC, holding Series 63 and Series 65 licenses and possessing 12 years of industry experience. He has worked with multiple firms, including Golden Gate Wealth and Tax Partners and Riel Financial, where he provides financial planning services. Outside of advisory roles, he is a licensed independent insurance agent selling fixed insurance products. Ameritas Advisory Services, LLC offers investment advisory and planning services to a diverse client base, including individuals, high-net-worth investors, retirement plans, charitable organizations, and businesses. The firm utilizes a range of investment strategies and program platforms, combining model portfolios, mutual funds, ETFs, and individual securities, while maintaining affiliations with broker-dealer and insurance entities.

Ronald Mack is a financial advisor with Eagle Strategies (NY Life) based in San Ramon, CA. He holds Series 63 and Series 66 licenses and has 37 years of industry experience. He has worked with Eagle Strategies since 2011 and is also affiliated with NYLIFE Securities LLC and New York Life Insurance Co since 2009. Eagle Strategies serves a broad client base including individual and institutional investors, providing financial planning, investment management, and retirement-plan advisory services. The firm offers multiple program types and emphasizes tailoring recommendations to client objectives, with a significant portion of assets managed on a non-discretionary basis.

Mark Morasky is a financial advisor with Steward Partners Investment Advisory, LLC, holding Series 63, Series 65, and Series 66 licenses and 29 years of industry experience. His prior experience includes roles at Merrill and Bank of America, N.A. He is the sole owner of VPCalCo, LLC, an investment advisory business, and serves on the Food and Beverage Committee at Blackhawk Country Club in Danville, CA. Steward Partners Investment Advisory, LLC is an SEC-registered enterprise-scale RIA managing approximately $36.7 billion in regulatory assets. The firm serves a wide range of clients, including individuals, pension and profit-sharing plans, corporations, trusts, estates, and charitable organizations, offering diverse portfolio management and financial planning services through both proprietary and third-party solutions.

Justin Patellaro is a CFP®, CFA®, and Series 66 credentialed advisor with six years of industry experience. He is currently with Money Concepts Capital Corp and has previously worked at firms including Sequoia Financial Group, Eide Bailly Advisors, and Consilium Wealth Management. Outside of financial advising, he holds an active real estate license in Arizona and California but is not currently practicing. Money Concepts Advisory Service provides investment advisory, financial planning, and consulting services to a diverse client base, including individuals, trusts, estates, and corporations. The firm employs model-driven and asset-allocation strategies through discretionary and non-discretionary programs, supported by third-party managers and platforms such as Envestnet.

Thomas Howard is a CFP®-certified financial advisor with 14 years of industry experience. He is currently with Creative Planning and has prior experience at Bedell Frazier Investment Counselling, ZRC Wealth Management, Lodestar Private Asset Management, Howard Financial Consulting, and Ameriprise. Creative Planning provides wealth management, financial planning, and retirement-plan advisory services to a diverse client base, including high-net-worth individuals and institutional clients. The firm employs a financial-planning-led investment approach that incorporates low-cost indexing, buy-and-hold strategies, and selective private market exposure.

Chad Miles is a financial advisor with OSAIC Institutions, INC. in Walnut Creek, CA, holding Series 63 and Series 65 designations and 28 years of industry experience. His prior work includes positions at First Bank, Infinex Investments, BancWest Investment Services, Bank of the West, Mass Mutual Life Insurance Company, and Equitable Advisors. Outside of advisory services, he has experience as a landlord of investment-related real estate in San Francisco. OSAIC Institutions serves a diverse client base including individuals, trusts, estates, charitable organizations, and corporations, offering customized advisory and financial planning services. The firm provides both discretionary and non-discretionary portfolio management with a range of investment tools and access to alternative platforms, supported by an integrated network of affiliated services and third-party managers.

Michael Gandy is a financial advisor at Mercer Global Advisors Inc. in Walnut Creek, CA, holding the CFP® and CFA® designations with eight years of industry experience. His prior roles include positions at Van Eck Securities Corporation, MSCI, Great Lakes Advisors, Fremont Bank, and LPL Financial. Mercer Global Advisors serves individuals, families, small business owners, plan sponsors, foundations, non-profits, and endowments, offering a range of investment advisory, financial, tax, retirement, estate planning, and family office services. The firm employs a globally diversified investment approach based on Modern Portfolio Theory, utilizing low-cost ETFs, index funds, separate account managers, and direct indexing, along with specialized programs and tax-management strategies.

Long Tran is a CFP® and Series 66 registered financial advisor with 11 years of industry experience. He is currently with Creative Planning and has previously worked at Compound Planning, Lido Advisors, Bnt Holdings, Mission Wealth Management, and Wells Fargo Clearing. Creative Planning provides wealth management, financial planning, and retirement-plan advisory services to a diverse client base, including high-net-worth individuals, pension plans, trusts, and corporations. The firm employs a financial-planning-led investment approach that emphasizes low-cost indexing, buy-and-hold strategies, and selective private market exposure.