Peter Torchia is a financial advisor with Merrill in Pleasanton, CA, holding Series 63 and Series 65 credentials and bringing 51 years of industry experience. He has worked at Merrill since 1985 and at Bank of America since 2009. 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 various institutional investors.

Gregory Eissner is a CFP® with 34 years of experience in the financial industry, currently associated with LPL Financial. He has held advisory roles at Commonwealth Financial Network and operated his own firms, including Eissner Financial and Martin, Wardin, & Eissner Financial Group Inc. Outside of his advisory work, he is involved with several private entities related to securities, advisory, and insurance businesses. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions through a large network of investment adviser representatives. The firm offers a range of financial planning and investment management services utilizing model portfolios, third-party subadvisors, and customized strategies.

Brian Mui is a financial advisor with J.P. Morgan Securities in San Ramon, CA, holding a Series 66 designation and over 21 years of industry experience. His prior roles include positions at Morgan Stanley, National Planning Corporation, and Wells Fargo Investments. He has been with J.P. Morgan Securities since 2012 and concurrently associated with JPMorgan Chase Bank since 2009. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The advisory process combines quantitative and qualitative research and incorporates an ESG eligibility framework, supporting client decision-making with centralized due diligence and access to related investment-management entities.

Caroline Angelica Lopez Robles is a financial advisor at Morgan Stanley with four years of industry experience. She holds Series 66 and Series 63 licenses and has previously worked at LPL Financial, BMO Harris Bank, JPMorgan Securities LLC, and JPMorgan Chase Bank, N.A. Morgan Stanley Wealth Management is a large institution offering a wide range of advisory programs to both individual and institutional clients. The firm emphasizes structured financial planning using approved tools and analytic methods, managing approximately $2.74 trillion in client assets.

Alejandra Venezia is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and 15 years of industry experience. She has been with J.P. Morgan Securities and Jpmorgan Chase Bank, N.A. since 2012. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a specialized group of Wealth Advisors, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. Their advisory process incorporates centralized due diligence with both quantitative and qualitative research, using forward-looking capital market assumptions to build model asset allocations.

John Jaber is a financial advisor with UBS Financial Services, holding Series 63 and Series 65 credentials and bringing 42 years of industry experience. He has worked at UBS since 2014, following ten years at Morgan Stanley DW Inc. and one year at Morgan Stanley & Co. LLC. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor strategies to clients' goals and risk tolerances.

Abhijit Talathi is a financial advisor at LPL Financial with one year of industry experience. He holds the Series 66 designation and previously worked at Fremont Bank, Marina Landing Family Dentistry, and Cisco Systems Inc. Outside of his advisory role, he is involved with a dental practice as outside employment. 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, model portfolio programs, third-party asset management, and institutional platforms.

Michael Muniz is a financial advisor with UBS Financial Services holding a Series 66 designation and 26 years of industry experience. His prior work includes positions at Bank of America and Merrill Lynch, Pierce, Fenner & Smith Inc. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm uses proprietary research and model-based asset allocations to tailor financial plans and portfolio management to clients’ goals and risk tolerances.

Mitchel Sherman is a CFP® with four years of industry experience, currently advising at LPL Financial. His prior roles include positions at Martin, Wardin & Eissner Financial Group and Commonwealth Financial Network. Outside of investment advising, he spends part of his time providing tax preparation services. 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 range of financial planning and portfolio management services, utilizing model portfolios, third-party subadvisors, and customized strategies.

Jordan Frierson is a financial advisor at OSAIC with two years of industry experience. He holds a Series 66 designation and has worked previously at Lincoln Financial Advisors and Acord & Fong Wealth Strategies. Outside of his advisory role, he is associated with a financial planning LLC that serves as a compensation pass-through for his advisory duties. OSAIC serves a diverse client base including retail and institutional investors, offering brokerage and advisory services through a multi-advisor platform. The firm’s investment approach centers on model-based asset allocation and portfolio optimization, supported by risk-tolerance assessments and comprehensive financial planning tools.

Vanessa Savage is a financial advisor with Raymond James Financial and holds a Series 66 designation. She has 22 years of industry experience, including roles at Morgan Stanley and Summit Financial Group, where she serves as an independent contractor and member of the leadership team. She is also involved in selling fixed insurance, long-term care, and disability solutions through Raymond James Insurance Solutions. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, pension plans, corporations, charitable organizations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using risk profiling and modeling tools and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

Sean Mckenna is a financial advisor at Morgan Stanley with 33 years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2007, including roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Outside of his advisory work, he serves on the board of Flying Resort Ranches in Salmon, Idaho, where he also holds a Vice President role related to license approvals. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to both individual and institutional clients, managing approximately $2.74 trillion in client assets and utilizing a structured planning process supported by firm-approved tools and methodologies.

Andy Lee is a financial advisor at Morgan Stanley with 17 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley since 2010, including at Morgan Stanley Private Bank, N.A. since 2022. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets.

Michelle Ruan is a Financial Advisor with Merrill Lynch Wealth Management, where she focuses on connecting all aspects of clients' financial lives to help prioritize and pursue their most important goals. Her approach begins with understanding each client's short-, mid-, and long-term objectives to develop personalized wealth management strategies. Michelle's expertise encompasses college education planning, family wealth management, liquidity management, retirement planning, portfolio management, and tax minimization, among other areas. She collaborates with Bank of America specialists to offer clients access to banking, credit, home financing, and small business solutions. She holds the Certified Investment Management Analyst (CIMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA) designations. She earned a Bachelor's Degree from the California State University System and communicates with clients in both English and Chinese. Outside of work, Michelle enjoys badminton, hiking, running, swimming, and yoga.

Elizabeth Mintzer is a CFP® professional with eight years of industry experience, currently serving at Cambridge Investment Research Advisors. She has been affiliated with various entities within the Cambridge Investment Research network since 2017. Outside of financial advising, she is a group fitness instructor and serves as a committee member for the Financial Planning Association. Cambridge Investment Research Advisors serves a diverse 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 through thousands of financial professionals and provides both discretionary and non-discretionary management across multiple platforms.

Nicholas Chin is an Investment Consultant at Fidelity Investments, where he has been serving clients since 2026. He previously held roles within Fidelity as a Planning Consultant from 2024 to 2026, Relationship Manager from 2023 to 2024, and Financial Representative from 2022 to 2023. Prior to joining Fidelity, Nicholas gained experience as a Bank Teller at UNCLE Credit Union in 2022 and as a Commercial Banking Intern at Bridge Bank in 2021. Nicholas holds a California Insurance License, which supports his work in financial planning and investment consulting. His approach centers on active listening and creating strategies tailored to each client's goals and long-term vision. Outside of his professional career, Nicholas engages in fitness, football, golf, and volunteering activities.

Pacific Eng is a financial advisor at Osaic Wealth with a Series 66 designation and four years of industry experience. Prior to joining Osaic in 2025, they worked at Lincoln Financial Advisors from 2021 to 2025. In addition to their advisory role, Pacific Eng offers and services fixed insurance products including annuities and various types of life and disability insurance. Osaic Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform. The firm provides brokerage and advisory services with an investment process centered on model-based asset allocation, portfolio optimization, and access to discretionary and third-party managed strategies.

David Liebowitz is a financial advisor at UBS Financial Services in Danville, CA, holding a Series 66 designation. He began his advisory career at UBS in 2025 after prior experience at Five9 and four years at the University of California Berkeley. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, offering a broad range of capital markets and advisory solutions.

John Mensendiek is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. His prior work includes positions at VOYA Financial Advisors and Cetera Wealth Services. Outside of advising, he is an independent insurance agent specializing in fixed insurance sales. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutions. The firm offers a multi-manager platform with a range of portfolio management and financial planning services, supported by a network of over 10,000 advisors and more than $256 billion in assets under management.

Steven Richardson is a financial advisor at LPL Financial with 38 years of industry experience. He holds a Series 63 designation and has previously worked at Merrill and Bank of America, N.A. prior to joining LPL in 2018. 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 portfolio programs, third-party asset management, and institutional platforms.