James Watts Jr. is a financial advisor at Wells Fargo Clearing with 38 years of industry experience. He holds Series 63 and Series 65 credentials and has worked previously at Bank of America and Merrill Lynch. Outside of advising, he has a 50% ownership in Watts Development, LLC, a real estate business based in Atlanta, GA. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven investment approach incorporates modern portfolio theory and includes a broader range of financial products, such as insurance-related vehicles and bank deposit sweep options.

Eric Ethington is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at WELLS FARGO Advisors, LLC from 2014 to 2016. 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 advisory solutions. The firm’s process is IPS-driven and grounded in modern portfolio theory, with a notable breadth of financial product offerings including insurance-related vehicles and bank deposit sweep options.

Iriana Lee Hung is a financial advisor at J.P. Morgan Securities with two years of industry experience. She holds Series 63 and Series 66 licenses. Prior to joining J.P. Morgan, her work experience includes roles at Amazon and UCLA Health, as well as involvement with the Jewish Vocational Service and the Japanese Community Youth Council. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

William Vlahos is a financial advisor at LPL Financial with 13 years of industry experience. He holds the Series 63 and Series 66 designations. Prior to joining LPL Financial in 2019, he worked at Bank of America and Merrill from 2015 to 2019. In addition to his advisory role, he serves as a non-variable insurance producer with JSF Insurance Services. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network of investment adviser representatives. The firm serves individuals, retirement plan participants, banks, trust companies, and other institutions, offering a range of financial planning and investment management solutions including model portfolios and institutional platforms.

Spencer Ziemer is a financial advisor at Merrill with a Series 66 credential and one year of industry experience. His prior work includes roles at Bank of America, Exchange Bank, and various soccer organizations, as well as ownership of Spencersells LLC, where he sources and sells vintage items online. 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.

Robert Warren is a financial advisor at UBS Financial Services with four years of industry experience. He previously worked at Passport Capital and Coastland Capital. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management through proprietary research and model-based asset allocations.

Kent Matson is a Wealth Management Advisor with Merrill Lynch Wealth Management, providing tailored wealth management services to individuals, families, and companies. He leverages Merrill's resources to develop personalized financial strategies that consider each client's risk tolerance, time horizon, liquidity needs, and overall investment goals. Kent's services include retirement planning, executive compensation strategies, stock option management, college savings, estate planning collaboration with attorneys and CPAs, liability management, and coordinating risk management strategies involving life and long-term care insurance. Kent has been with Merrill since 2010, following a tenure as a financial advisor at Axa Advisors where he specialized in qualified retirement plans (401k/403b). He holds the CERTIFIED FINANCIAL PLANNER® (CFP) designation awarded by the Certified Financial Planner Board of Standards, Inc., as well as the Chartered Retirement Planning Counselor™ (CRPC) designation from The College for Financial Planning Institutes Corp. Additionally, he has earned the Personal Investment Advisor (PIA) designation. Kent earned his bachelor's degree from San Francisco State University. In addition to his professional work, Kent is committed to community involvement, reflecting Merrill’s tradition of supporting the communities it serves. His personal interests include adventure sports, biking, billiards, chess, cooking, and music.

Zachary Blumenthal is a CFP®-certified financial advisor with eight years of industry experience. He is currently with Fidelity and has previously worked at Charles Schwab, TD Ameritrade, Citigroup, and Wells Fargo. Outside of his advisory work, he has worked as an Uber Eats delivery driver. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, offering discretionary and non-discretionary portfolio management, fund advisory, and model portfolio delivery. The firm utilizes proprietary fundamental research combined with quantitative and algorithmic methods in its investment process.

Sam Chouli is a financial advisor at J.P. Morgan Securities with two years of industry experience. He holds a Series 66 designation and has worked at several firms, including Edward Jones and Feedzai, before joining J.P. Morgan. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework. The firm offers these services on a non-discretionary basis through a select group of Wealth Advisors.

Molly Keller is a Planning Consultant at Fidelity Investments, where she supports clients and Financial Consultants with retirement planning-related needs. She works with clients to understand their current financial situations in relation to their general goals, values, and needs, then conducts analyses to build tailored plans by exploring suitable strategies. Molly has been with Fidelity Investments since 2019, initially serving as a Financial Representative before becoming a Planning Consultant in 2021. She holds a California Insurance License.

Catheryne Diprete is a financial advisor at Morgan Stanley with 24 years of industry experience. She holds the Series 66 designation and has worked at Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs and tailored financial planning supported by firm-approved tools and the Global Investment Committee’s analyses. The firm manages approximately $2.74 trillion in client assets and offers services through its Financial Advisors and Estate Planning Strategies Group.

Starrett Dalton is a financial advisor at OSAIC with 41 years of industry experience. He holds a Series 63 designation and has worked previously at Securities America Advisors, Inc. and SECURITIES AMERICA, Inc. for over three decades. Dalton is also an owner and agent involved in fixed annuity contracts. OSAIC serves a diverse client base including individual, high-net-worth, pension, corporate, and charitable investors through a broad network of affiliated advisers and platforms. The firm offers integrated brokerage and advisory services with a focus on asset allocation, risk tolerance, and multiple investment strategies.

Christopher Harris is a financial advisor at LPL Financial with eight years of industry experience. He holds the Series 66 designation and has previously worked at Bank of America, Merrill, and Financial Advocates Investment Management. Outside of his work at LPL, he provides investment advisory services through Financial Advocates Investment Management, an independent firm. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering a range of advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm supports investment adviser representatives with model portfolios, third-party asset management, and customized strategies across various account types.

Griffin Barash is a financial advisor with OSAIC in San Rafael, CA, holding Series 63 and Series 66 credentials and 20 years of industry experience. He worked at Woodbury Financial Services, Inc for 12 years before joining OSAIC in 2024. Barash also owns a sole proprietorship focused on fixed insurance research and sales. OSAIC serves a diverse client base including individual and high-net-worth investors, retirement plans, and corporations, offering integrated brokerage, advisory services, and access to third-party investment platforms. The firm utilizes asset-allocation tools and automated rebalancing to manage portfolios across various asset classes on both discretionary and non-discretionary bases.

Cristofer Lopez Vargas is a CFP® certificant with four years of industry experience. He is currently with Charles Schwab in Corte Madera, CA, having held positions at Fidelity Investments and J.P. Morgan Securities LLC among others. 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 advice and access to discretionary separately managed accounts, supported by multi-asset model portfolios and research from the Schwab Center for Financial Research.

Denise Easterby is a financial advisor with Charles Schwab in Corte Madera, CA, holding Series 63 and Series 66 credentials and six years of industry experience. Her prior roles include positions at TD Ameritrade, Principal Securities Inc., and law offices specializing in legal services. She previously worked at Principal Life Insurance, where she continues to receive residuals from former insurance product engagements. Charles Schwab 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 advisory relationships and access to affiliated discretionary separately managed accounts, supported by multi-asset model portfolios and centralized operational infrastructure.

Raymundo Othon Galvez is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. He holds the Series 63 and Series 66 designations and has been with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2016. The firm provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing quantitative asset-allocation modeling and centralized due diligence. Their approach incorporates an ESG eligibility framework and focuses on non-discretionary services delivered by a select group of Wealth Advisors.

Jackson Joyce is a Financial Consultant at Fidelity Investments, where he has been serving since 2023. In this role, he collaborates closely with clients to analyze their portfolios and assist them in making informed financial decisions aligned with their life and family goals. Jackson's experience at Fidelity Investments spans several roles, including Investment Consultant (2022-2023), Planning Consultant (2021-2022), and Financial Representative (2020-2021). This progression reflects his ongoing commitment to supporting clients in their financial planning and investment needs. He holds a California Insurance License, which complements his financial advisory capabilities.

Louis Hudson is a financial advisor at Charles Schwab with 25 years of industry experience. He holds Series 63, 65, and 66 credentials and has previously worked at Morgan Stanley and E*TRADE. Charles Schwab 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, offering a combination of non-discretionary and discretionary investment solutions supported by a multi-asset model portfolio approach.

Scott Geller is a financial advisor with Morgan Stanley in San Rafael, CA, holding Series 63 and Series 66 credentials and 18 years of industry experience. His work history includes roles at Wells Fargo Clearing, Bank of America, and Merrill prior to joining Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering advisory programs to individuals and institutions, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and provides a structured planning process that utilizes firm-approved tools and modeling techniques.