Runtao Liu is a financial advisor at Merrill with Series 66 designation and one year of industry experience. His prior work includes roles at Bank of America and positions outside the financial industry such as with Shanghai Flavor and the American Academy of English. 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 a range of clients including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations.

Shahmir Moussavi is a Senior Financial Advisor with Merrill Lynch Wealth Management. In this role, he focuses on connecting clients to tailored strategies and processes that align with their unique financial ambitions. His work involves helping clients plan for significant milestones, including funding education, preparing for retirement and potential healthcare expenses, and developing personalized plans to support long-term family goals. Shahmir holds the professional designation of Personal Investment Advisor (PIA). He earned a High School Diploma from Hillsdale High School and attended the California State University System without completing a degree. His approach emphasizes simplicity and transparency in wealth management, aiming to make the investment process straightforward and aligned with each client's personal perspectives and priorities.

Francisco Reyes IV is a financial advisor at Merrill with Series 66 and Series 63 licenses and three years of industry experience. He has held positions at Bank of America, Merrill, Drivetime, Chewy.com, Farmers Insurance, Enterprise Rent-A-Car, and Benedictine University at Mesa. Outside of his advisory work, Reyes is a clerk at a convenience store where he handles cashiering, stocking, and customer service duties. 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 delivers model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, and charitable organizations.

Patrick Fanning is a financial advisor at Cetera with 39 years of industry experience. He holds a Series 63 designation and has been associated with Cetera and its affiliates since 2013. Prior to joining Cetera, he founded and continues to operate PTF Financial Services. Outside of his advisory work, he serves as a board member and archivist for the Diablo Advisory Committee, a country club committee focused on planning and zoning matters. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with various portfolio management and financial planning services, managing over $256 billion in assets through more than 10,000 advisors.

Min Myo is a Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2018. He has been with Fidelity Investments since 2010, progressing from Investment Consultant to Financial Consultant before his current role. Prior to joining Fidelity, Min worked as a Financial Advisor with MML Investors Services and Ameriprise Financial Services. With over 15 years of planning experience, Min specializes in retirement planning, estate planning considerations, and wealth planning. He focuses on establishing long-term planning relationships and creating customized plans that adapt to the changing needs of his clients. His professional approach is informed by his understanding of the multiple financial goals faced by families. Min holds a California Insurance License.

Mitchell Bertonneau is a CFP® and holds a Series 66 license, currently serving as a financial advisor at Charles Schwab with five years of industry experience. His work history includes roles at Charles Schwab & Co., Inc., Charles Schwab Bank, SSB, and TD Ameritrade. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of non-discretionary and discretionary investment management services supported by multi-asset model portfolios and a centralized operational structure.

Jessica Hughes is a financial advisor with Cetera who holds Series 65 and Series 66 licenses and has 21 years of industry experience. Her career includes long-term roles at Avantax and its associated entities, as well as owning and operating Tenshi Financial and Insurance Services since 2003. Outside of her advisory work, she manages financial and investment decisions for family members as a power of attorney. Cetera Investment Advisers LLC distributes services through a large nationwide network serving individuals, retirement plans, corporate and charitable clients, and institutions. The firm offers a variety of portfolio management and financial planning services through a multi-manager platform that includes affiliated and third-party managers, with a broad range of program options and custodial arrangements.

Christopher Dao is a financial advisor with Charles Schwab in Fremont, CA, holding Series 63 and Series 66 licenses and bringing 11 years of industry experience. He has worked at Charles Schwab Bank and Charles Schwab & Co., Inc. since 2016 and served in the Army Reserves from 2006 to 2018. Charles Schwab & Co., Inc. serves a large client base primarily composed of 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 affiliated discretionary SMA portfolios and offers multi-asset model portfolios supported by centralized supervisory and operational infrastructure.

Blake Harmer is a financial advisor with Ameriprise in Pleasanton, CA, holding a Series 66 designation and approximately one year of industry experience. Prior to joining Ameriprise, he worked at Renaissance Financial and Larson Lawnscape, and he attended the University of Kansas. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service that focuses on dependable income sources and tax-aware withdrawal strategies.

Rania Israel is a financial advisor at Charles Schwab with Series 66 and Series 63 licenses and nine years of industry experience. She has been with Charles Schwab Bank and Charles Schwab & Co., Inc. since 2017 and previously worked at Pruco Securities, LLC. 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 a combination of non-discretionary and discretionary investment guidance using multi-asset model portfolios and a centralized operational structure.

Jordan Bohn is a Series 66-licensed financial advisor with Edward Jones in Pleasanton, CA. He began his advisory career at Edward Jones in 2025. Outside of his advisory role, he is active as a Twitch streamer. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of investment strategies and advisory services with a nationwide network of financial advisors and extensive affiliated capabilities.

Suleiman Samandar is a financial advisor at J.P. Morgan Securities with 16 years of industry experience. He holds Series 63 and Series 65 designations and has previously worked at BlackRock, LendingClub, AssetMark, and JPMC Bank NA. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process combines quantitative and qualitative research to build model asset allocations and includes capabilities in derivatives and commodities.

Lisa Lagorio is a CFP® professional with 42 years of experience in the financial services industry. She is currently with OSAIC, having returned to the firm in 2024 after previous tenures there and experience with Securities America Advisors, National Planning Corporation, and Sterling Financial Services. Lagorio serves on the finance committee of the Pedrozzi Scholarship Foundation, which awards scholarships to local students in the Livermore Valley Joint Unified School District. OSAIC Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporate clients. The firm offers a range of brokerage and advisory services supported by a model-based investment process featuring portfolio optimization, risk assessment tools, and access to third-party money managers and proprietary investment models.

Sean Mullen is a financial advisor at LPL Financial with 11 years of industry experience. He holds the Series 66 designation and has been with LPL Financial since 2014. He is also associated with Linsco/Private Ledger Corp. and PRIMED, where he has maintained roles since 2014 and 2008, respectively. 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 financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting a wide range of strategies implemented by its network of investment adviser representatives.

Sandra Gonzalez Vargas is a financial advisor with LPL Financial, holding a Series 66 designation and six years of industry experience. Her prior roles include positions at Patelco Credit Union, CUSO Financial Service, LP, and State Farm Insurance. She is involved with Patelco Financial Solutions, a related business entity connected to her LPL activities. 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 broad range of advisory and brokerage services, utilizing model portfolios, third-party subadvisors, and customized strategies supported by advanced operational tools.

Te Hsin Yuan is a financial advisor at Charles Schwab in Fremont, CA, holding a Series 66 designation with 19 years of industry experience. He has worked at Charles Schwab since 2013, following previous roles at Merrill, Fidelity, and Banc of America Investment Services. Charles Schwab serves a large client base primarily consisting of 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 a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by multi-asset model portfolios and due diligence on alternative investments.

David Marroquin is a financial advisor at Merrill with one year of industry experience. He holds a Series 66 designation and has previously worked at Bank of America, New York Life, and AT&T. Outside of his advisory role, he works part-time as a driver consultant for Uber in San Francisco. 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, and institutional investors.

Randall Robertson is a financial advisor with Cambridge Investment Research Advisors in Pleasanton, CA. He holds Series 63 and Series 65 licenses and has 12 years of industry experience. Prior to his current role at Cambridge, he worked for List Alliance, Inc. for 15 years. Cambridge Investment Research Advisors serves a diverse client base including individual, pension, and charitable organizations by providing financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm supports both discretionary and non-discretionary management across multiple platforms and offers proprietary model strategies under the Founders Gate Capital brand.

Sherri Omdahl is a financial advisor with Morgan Stanley in Pleasanton, CA, holding Series 63 and Series 65 licenses and 34 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2009 and Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs and financial planning services supported by structured discovery and advanced modeling tools.

Victor Lee is a CFP® professional with 19 years of experience in the financial services industry. He has been with Mass Mutual Investors Services since 2017 and has worked at Massachusetts Mutual Life Insurance Company since 2016, following a ten-year tenure at MetLife Securities INC. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars, using firm-approved software and collaborative planning to deliver written recommendations tailored to clients' goals.