Muhammad Afzal is a financial advisor with Wells Fargo Clearing in Walnut Creek, CA, holding Series 63 and Series 66 designations and four years of industry experience. His prior roles include positions at Bank of America, Merrill, and J.P. Morgan Securities LLC. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

John Lacour is a Series 66-licensed financial advisor with Morgan Stanley in Walnut Creek, CA, bringing 20 years of industry experience. He has been with Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a variety of advisory programs for both individual and institutional clients, including tailored financial planning services supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers comprehensive planning but does not provide individual security recommendations through its standalone financial planning program.

Naomi Evans Jalloh is a financial advisor at Merrill with 16 years of industry experience. She holds Series 63 and Series 66 designations and has worked at Bank of America, Merrill, Deyoe Wealth Management, and LPL Financial. Outside of advisory work, she is a general partner and managing member of Black Sheep Acquisitions, a real estate-related business in Oakland, California. 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 and profit-sharing plans, corporations, and charitable organizations.

Haden Licon is a Financial Consultant at Fidelity Investments, a position he has held since 2025. He joined Fidelity Investments in 2023 and has also served as an Investment Consultant and Financial Representative within the company. Prior to his roles at Fidelity, Haden worked as a Relationship Manager at Bank of America from 2022 to 2023 and as a Member Service Specialist at Unify Financial Credit Union in 2022. Haden is licensed with a California Insurance License, enabling him to serve clients with their insurance needs in addition to his financial advisory services. He is dedicated to helping clients develop and implement financial plans that provide security and allow them to focus on other priorities. Haden values being reachable and responsive, facilitating well-informed decision-making. Outside of his professional work, Haden enjoys boating, comedy, fitness, football, golf, and traveling.

Edward Comar is a financial advisor with Ameriprise in Pleasant Hill, CA, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he is involved with an LLC that facilitates employee expenses and retirement plan options. Ameriprise provides retirement-income planning services targeting individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations, supported by a centralized consulting team and an algorithm-driven approach.

Robert Schneider is a CFP® professional with 29 years of experience in the financial services industry. He has been with UBS Financial Services since 2008. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, supported by proprietary research and broad capital markets activities.

Lisa Tuemmler is a Certified Financial Planner® with 22 years of industry experience, currently affiliated with Cambridge Investment Research Advisors. She has held roles at Cambridge Investment Research Advisors and Cambridge Investment Research since 2016, and previously worked at Protected Investors of America, Associated Planners Investment Advisory Inc., and Charles Schwab. Tuemmler serves as a committee member for FPA NorCal, coordinating speakers for the organization. Cambridge Investment Research Advisors serves a wide range of individual and institutional clients, including pension and charitable organizations, offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm manages a multi-billion dollar asset base and supports both discretionary and non-discretionary management across multiple platforms.

Dennis Janssen is a financial advisor with Stifel who holds Series 63 and Series 65 licenses and has 37 years of industry experience. He has been with Stifel Nicolaus & Co Inc since 2011. He is also an agent for Unum Provident Life, providing disability insurance services outside of securities trading activities. Stifel serves a broad client base including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. The firm’s investment guidance is based on proprietary methodologies developed by its Investment Strategy Group, supporting client decisions across asset allocation, retirement, insurance, and estate planning.

Rebecca Dinneen is a financial professional with 10 years of industry experience, currently affiliated with Cetera. She holds Series 63 and Series 66 licenses and has previously worked at Charles Schwab and TD Ameritrade. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base that includes individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options and access to third-party money managers.

Bryan Cohen is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. He previously worked at Citigroup and Wells Fargo Bank in various roles. Outside of his advisory work, he is involved in a music-related business, focusing on buying, selling, repairing, and collecting musical instruments. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, offering non-discretionary asset allocation advice, investment manager searches, and customized performance reporting supported by centralized due diligence.

Adrianna Gutierrez is a Series 66-licensed financial advisor with six years of industry experience, currently affiliated with Cambridge Investment Research Advisors in Lafayette, CA. Her work history includes roles at Cambridge Investment Research and Manheim California, as well as involvement with Protected Investors of America. Cambridge Investment Research Advisors serves a diverse client base, including individual and institutional investors such as pension and charitable organizations, offering financial planning, investment management, and retirement-plan advisory services through multiple platforms and proprietary model strategies.

Stephen Davis is a financial advisor at Charles Schwab with a Series 66 designation and one year of industry experience. His prior background includes six years of service in the U.S. Air Force and four years of full-time education. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering both non-discretionary and discretionary investment management services supported by a centralized operational structure.

Robert Higbee is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been with LPL Enterprise since 2024 and previously worked at Prudential Insurance Company of America and Pruco Securities, LLC. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth investors, retirement plans, and corporate and charitable entities. The firm uses model-driven investment implementation and offers access to third-party asset managers, financial planning, and affiliated insurance and trust services.

Howard Tong is a CFP® with 22 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and was previously with A. G. Edwards & Sons, Inc. from 2004 to 2008. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, including pension and charitable organizations. The firm provides a range of investment advisory services, financial planning, and retirement plan consulting, utilizing research and analytics from internal and third-party sources.

Jonathan Blevins is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 licenses and bringing 46 years of industry experience. He has been with Equitable Advisors since 1999 and previously worked at Axa Advisors, LLC. He serves as a board member of the CrossStreets Neighborhood Alliance, an organization providing support to homeless and unemployed individuals and their families. Equitable Advisors offers financial planning, retirement plan consulting, and asset-management programs to individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm utilizes a range of advisory models and third-party asset managers, providing services that include ERISA fiduciary support and access to mutual funds, ETFs, separately managed accounts, and select alternative investments.

Leslie Pettinelli is a financial advisor with Mass Mutual Investors Services and holds Series 63 and Series 65 credentials. She has 11 years of industry experience, including roles at Mass Mutual Investors Services since 2018, Jhfn Sii from 2014 to 2018, and Pettinelli Financial Partners from 2011 to 2018. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars with a focus on collaborative, annual planning engagements using firm-approved analytical tools.

David Woodworth is the Vice President and Financial Consultant at Fidelity Investments, where he has been serving since 2013 in various roles. Currently, he partners with individuals and families to help them strengthen and work towards their financial well-being. Throughout his tenure at Fidelity Investments, David has gained experience as a Financial Consultant, Investment Consultant, and Financial Representative. He holds a California Insurance License, supporting his expertise in financial consulting. Outside of his professional work, David's personal interests include baseball, hiking, parenthood, photography, traveling, and volunteering.

Jeffrey Martin is a financial advisor at Wells Fargo Advisors with 34 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Wells Fargo Clearing and Morgan Stanley in various capacities. Martin is also a 40% owner of Martin Financial Group, an investment management business based in Brentwood, CA. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services. The firm offers a broad range of planning services, including specialized areas such as business-owner transition and sports & entertainment planning, using proprietary research and planning tools to develop tailored recommendations.

Caleb Gordon is a financial advisor with Charles Schwab in Walnut Creek, CA, holding a Series 66 designation and 25 years of industry experience. He has been with Charles Schwab and its affiliated entities since 2001, including a brief tenure at TD Ameritrade in 2005. Charles Schwab & Co., Inc. 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 combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts, offering investment guidance through multi-asset model portfolios and a centralized operational structure.

Cory Asher is a financial advisor at Fidelity with 26 years of industry experience. He holds the Series 66 designation and has previously worked at Morgan Stanley and UBS Financial Services. Outside of his advisory role, he is a co-owner of a family rental property business. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm utilizes a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios from a broad investable universe.