Ning Jiang is a financial advisor with Mass Mutual Investors Services and holds a Series 66 designation. Jiang has 10 years of industry experience, including roles at Mass Mutual Investors Services since 2017 and MetLife Securities from 2015 to 2017. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, employing collaborative, software-assisted planning processes without discretionary authority over client investments.

Jerome Baird is a financial advisor at LPL Financial with 30 years of industry experience. He holds the Series 63 and Series 65 credentials and has worked at LPL Financial since 2010, following prior roles at Wells Fargo Clearing, Prudential Equity Group, and Citigroup Global Markets. Outside of his advisory role, he is involved with Elegant Stay, LLC, a real estate rental business in Tahoe City, CA. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by a network of more than 22,800 advisors and over $819 billion in discretionary assets.

Paul Boscia is a financial advisor with Wells Fargo Clearing in Danville, CA, holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. He has worked with Wells Fargo-affiliated firms since 2005. Outside of his advisory role, he is a 25% owner of the La Cienega Gun Club LLC. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients through investment advisory services, financial planning, and retirement plan consulting. The firm offers both brokerage and advisory solutions, leveraging research and analytics to support diversified investment approaches.

Nicholas Ruotolo is a financial advisor at Osaic with 10 years of industry experience. He holds a Series 66 designation and previously worked at Lincoln Financial Advisors for nine years. He has been involved with Saint Mary's College since 2014. Outside of his advisory role, Ruotolo offers fixed insurance products through multiple agencies. Osaic Wealth serves a wide range of clients, including individual investors, retirement plan sponsors, charities, and corporate clients. The firm employs a model-based investment approach with portfolio optimization tools and offers diverse programs such as financial planning, managed portfolios, and retirement consulting.

Mo Bai is a financial advisor at Fidelity with Series 66 and Series 63 credentials and four years of industry experience. Prior to joining Fidelity in 2025, Bai worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A., among other firms. Bai also operated a family daycare business from 2022 to 2025. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to a diverse client base, including retail and institutional investors. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios that include mutual funds, ETFs, and ETPs.

Chase Henley is a Series 66-licensed financial advisor with Morgan Stanley in Pleasanton, CA, bringing seven years of industry experience. His work history includes consistent roles at Morgan Stanley and Amherst College from 2016 to the present. Morgan Stanley Wealth Management serves both individuals and institutional clients, offering a wide range of advisory programs and tailored financial planning supported by structured discovery processes and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and provides services under both direct client and corporate financial planning agreements.

Sujan Chyo is a Series 66-licensed financial advisor with Morgan Stanley in Pleasanton, CA, with 20 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a broad range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools and market modeling to support client financial goals.

Nathan Bennett is a CFP® professional with 26 years of experience currently affiliated with Raymond James Financial Services Advisors, Inc. He is also the co-owner and managing partner of Summit Financial Group, LLC, where he serves as CEO and chair of the leadership team. His career includes long-term roles at Securian Financial Services, Inc. and Summit Financial Group. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a wide range of clients including individuals, high-net-worth clients, pensions, corporations, and institutional entities. The firm delivers tailored, non-discretionary advice using analytical modeling and supports its offerings with municipal advisory services and specialized retirement plan consulting.

M. Curtis Bauer is a financial advisor with Cetera, holding a Series 63 designation and bringing 34 years of industry experience. He has been with Cetera and its affiliated entities since 2013. Outside of his advisory role, he serves as a director for a homeowners association, acting as a vendor liaison. Cetera Investment Advisers LLC is an SEC-registered firm serving 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 to provide various investment program options.

Kenneth Dammel is a financial advisor at OSAIC with 18 years of industry experience. He holds Series 63 and Series 66 credentials and has worked previously at Woodbury Financial Services, Questar Asset Management, and Sterne Agee. Kenneth also owns Beckman Investment Securities, a sole proprietorship through which he has provided investment advice since 2008. OSAIC Wealth serves a diverse range of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including comprehensive financial planning and retirement plan consulting. The firm’s investment approach emphasizes model-based asset allocation and portfolio optimization supported by risk-tolerance assessments and rebalancing tools.

Daniel Mckinney is a financial advisor at Morgan Stanley with 17 years of industry experience. He holds the Series 66 and Series 65 designations. His career includes multiple periods at Morgan Stanley since 2015 and a brief tenure at Merrill in 2017. Outside of advising, he is involved in rental property investment in Hawaii. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm employs a structured planning process supported by proprietary tools and manages approximately $2.74 trillion in client assets.

Mai Liu is a financial advisor at Charles Schwab with 10 years of industry experience. She holds Series 65 and Series 63 licenses and has worked at major firms including Morgan Stanley Private Bank and Fidelity Investments. Her current role at Charles Schwab includes experience with both the Premier Bank and the main Schwab platform. 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 advisory recommendations and access to discretionary separately managed accounts within an integrated, large-scale operational structure.

Martin Johnson is a financial advisor with Osaic, holding Series 63 and Series 66 credentials and bringing 28 years of industry experience. He previously worked for Lincoln Financial Advisors for 24 years before joining Osaic in 2025. Johnson is also involved in providing insurance products, including accident, health, disability, long-term care, and traditional life insurance, through several agent roles and his own LLC. Osaic Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients, offering both brokerage and advisory services across multiple programs. The firm utilizes a model-based investment process with tools for portfolio optimization and risk management, supporting a range of discretionary and non-discretionary strategies through its extensive affiliate network.

Sheng Chun Chiu is a financial advisor at Charles Schwab with 22 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Charles Schwab and its affiliated bank since 2012. Charles Schwab serves a large client base, primarily high- and ultra-high-net-worth individuals, offering a combination of non-discretionary advisory and discretionary managed-account services through its Schwab Wealth Advisory program and affiliated investment management firms.

Jeffrey Lee is a Series 66-licensed financial advisor with 11 years of industry experience. He is currently with Raymond James Financial Services Advisors, Inc. and has held roles at Summit Financial Group, Securian Financial Services, and SGC Financial & Insurance Services. Outside of his advisory work, he is an associate advisor with Summit Financial Group, supporting another financial advisor in a non-investment capacity. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual, high-net-worth, institutional, and charitable clients. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports a large advisor network, with specialized municipal finance capabilities and customized employer advisory programs.

James Bassett is a financial advisor at Raymond James Financial with nine years of industry experience. He holds the Series 66 designation and previously worked at Edward Jones for six years. Outside of his advisory role, Bassett owns and operates Diamond Oak Wealth Partners and serves as CEO of JRB Financial, LLC. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to individual, high-net-worth, institutional, and nonprofit clients. The firm offers tailored, non-discretionary advisory services using risk profiling and analytical modeling, and it supports a broad network of advisors with specialized programs including municipal and public finance advisory services.

Alexander Winter is a Series 66-licensed financial advisor with two years of industry experience, currently with OSAIC. His prior work includes roles at Beckman Investment Securities and involvement with Papapavlos Bistro and Bar, as well as a position at the University of Southern California. He has experience selling securities as an investment professional. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform offering brokerage and advisory services. The firm utilizes a model-based investment approach with portfolio optimization tools and provides a range of programs such as financial planning, managed portfolios, and third-party manager offerings.

Scott Cangelosi is a financial advisor at OSAIC with 28 years of industry experience. He holds a Series 66 designation and previously worked for Lincoln Financial Advisors Corporation for 27 years. Outside of advisory work, he acts as an insurance agent, focusing on non-variable life insurance policies and fixed or indexed annuities. OSAIC Wealth serves a wide range of clients, including individual investors, retirement plan sponsors, charities, and corporate entities, offering brokerage and advisory services through a multi-advisor platform. The firm’s investment approach centers on model-based asset allocation and portfolio optimization, utilizing tools such as risk-tolerance questionnaires, efficient frontier analysis, and rebalancing strategies.

Hamed Rashidpour is a Financial Consultant currently working at Fidelity Investments since 2022. In this role, he collaborates with individuals, families, and business owners to develop financial strategies that align with their goals and risk tolerance. His approach emphasizes financial planning as an ongoing process, adapting to clients' evolving needs and priorities over time. Prior to his current position, Hamed served as a Financial Solutions Advisor at Merrill Lynch-Bank of America from 2016 to 2022. His areas of expertise include investment planning, retirement income planning, and tax-efficient investing strategies, with a focus on fostering long-term client relationships and supporting informed financial decision-making. Hamed holds a California Insurance License. Outside of his professional work, he has interests in comedy, family activities, fitness, movies, music, and soccer.

Andres Dela Torre is a Series 66 licensed financial advisor at LPL Financial with three years of industry experience. His prior work history includes roles at Bank of America, Merrill, and Wells Fargo Clearing. Outside of advisory work, he is involved in operating a for-profit business, La Michoacana, in Concord, CA. 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 range of advisory and brokerage services, including financial planning and access to model portfolios and third-party asset management, supported by extensive operational tools and oversight of significant assets under management.