Gerald Guintu is a financial advisor at OSAIC with 25 years of industry experience. He holds the CFP® designation along with Series 63 and Series 66 licenses. Prior to joining OSAIC in 2023, he spent 14 years at Sagepoint Financial, Inc. Outside of his primary advisory role, he owns DR Yachts LLC, which involves marketing charter services and vessel maintenance. OSAIC serves a wide range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and advisory services alongside financial planning and retirement consulting. The firm employs a variety of investment tools and platforms to construct diversified portfolios tailored to client preferences.

Carlina Phan is a financial advisor with LPL Financial in Walnut Creek, CA, holding Series 63 and Series 66 credentials and six years of industry experience. Her prior roles include positions at Patelco Credit Union, CUSO Financial Services, and Wells Fargo. She is also involved with Patelco Financial Solutions, a DBA related to her LPL business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a diverse client base, including individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a broad range of advisory programs, financial planning services, and retirement consulting supported by model portfolios and research from multiple sources.

Martin Warner is a Senior Financial Advisor with Merrill Lynch Wealth Management. He specializes in personalized wealth management strategies, helping clients pursue goals such as college education planning, liquidity management, managing new wealth, retirement planning and income, portfolio management, and individual and corporate investment strategies. Martin holds a Bachelor's Degree from Saint Mary's College of California and is designated as a Personal Investment Advisor (PIA). He supports clients by developing financial strategies tailored to their long-term objectives. Additionally, Martin maintains a commitment to community involvement through volunteer work with local organizations, reflecting the Merrill tradition of community participation.

Frederick Ferber is a financial advisor with Morgan Stanley in Walnut Creek, CA, holding Series 63 and Series 65 credentials and bringing 24 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2009 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and tailored financial planning, managing approximately $2.74 trillion in client assets.

Diego Andres Clavijo Arnez is a financial advisor at Ameriprise with a Series 66 designation and less than one year of industry experience. Prior to joining Ameriprise, he worked in various roles including positions at Grand Sierra Resort and Casino, Jackson's Hardware, and Banana Republic. Ameriprise provides retirement-income planning services primarily for individuals with significant investable assets, offering detailed recommendation reports on income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax efficiency analysis in its advisory approach and maintains a centralized team to deliver these services.

Ryan Minkin is a financial advisor at Merrill with a Series 66 designation and less than one year of industry experience. His prior work history includes roles at Bank of America, Golden 1 Credit Union, and various educational institutions. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Bobby Chung is a Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2018. Prior to this, he gained experience as a Senior Financial Consultant at TD Ameritrade from 2015 to 2018, and as a Financial Specialist at PNC from 2013 to 2015. Bobby works closely with clients to understand their financial goals and develops personalized strategies tailored to their unique needs. He holds a California Insurance License, which supports his ability to provide comprehensive financial and insurance guidance. Bobby emphasizes building lasting relationships with clients based on trust, integrity, and exceptional service, offering knowledgeable guidance and ongoing advice. Outside of his professional work, Bobby enjoys biking, participating in family activities, social events with friends, parenthood, and spending time with pets.

Thomas Fezler is a financial advisor at Ameriprise with 31 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Ameriprise since 2009. Outside of his advisory role, Fezler serves on the Board of Directors for Holy Spirit CYO and is involved with the Holy Spirit School Board’s Finance Committee. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning that focuses on dependable income sources and tax-aware withdrawal strategies. The firm’s retirement income service uses research and algorithmic tools to provide tailored recommendations within a defined investment universe.

Nathaniel Hurst is a financial advisor with Ameriprise in Walnut Creek, CA, holding a Series 66 designation and 19 years of industry experience. He has been with Ameriprise and its affiliated entity since 2014. Ameriprise offers retirement-income planning services primarily for individuals with significant investable assets, delivering tailored, research-driven recommendations that incorporate tax efficiency and Social Security strategies. The firm combines algorithmic tools with advisory oversight to produce non-discretionary retirement plans, focusing on clients who maintain assets within Ameriprise-managed accounts.

Stephen Lee is a financial advisor with Cetera, holding a Series 66 designation and four years of industry experience. He is currently the owner of Redwood Wealth, a financial services firm. Stephen's background includes roles at the New York City Department of Small Business Services and Ian Lee. Cetera Investment Advisers LLC is an SEC-registered advisor serving individuals, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of independent advisors. The firm offers portfolio management, financial planning, and access to third-party managers across multiple program structures and custodial relationships.

Jennifer Delgadillo is a financial advisor with Wells Fargo Clearing in Walnut Creek, CA, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. She has worked at Wells Fargo Advisors LLC from 2009 to 2016 before joining Wells Fargo Clearing, where she has been since 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 services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Clement Richardson is a financial advisor with OSAIC, holding a Series 66 designation and bringing 25 years of industry experience. He has worked at OSAIC since 2023 and previously spent three years with FSC Securities Corporation and over 20 years with Umpqua Investments, Inc. Richardson is the principal of Richardson eWealth Strategies Inc., where he provides leadership and strategic direction. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations through a large network of affiliated advisers and multiple advisory platforms. The firm offers a range of brokerage and investment advisory services utilizing asset-allocation tools, risk-tolerance questionnaires, and third-party money managers to construct portfolios that may include stocks, bonds, options, mutual funds, ETFs, and alternative investments.

Michael Spiering is a financial advisor with Morgan Stanley in Walnut Creek, CA, holding Series 63 and Series 65 credentials and bringing 34 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and has been associated with Morgan Stanley Smith Barney and Citigroup Global Markets since the mid-2000s. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm provides tailored financial planning and a broad range of advisory programs supported by structured planning tools and risk modeling techniques.

Odunayo Ogunbameru is a financial advisor at Merrill with four years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at U.S. Bancorp Investments, Inc., U.S. Bank, and Guaranty Trust Bank PLC. He is based in Pittsburg, CA. Merrill provides managed account services through the Select Portfolio Solutions program to a broad client base that includes individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries. The firm integrates investment strategies from its Chief Investment Office with third-party managers and offers access to a wide range of financial products through its affiliation with Bank of America.

Andrew Hallett is a financial advisor at LPL Enterprise with Series 66 credentials. He has held positions at LPL Enterprise, Voya Financial, and Two Magnolias, and has been affiliated with the University of California, Berkeley. Hallett’s industry experience is currently limited. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers financial planning, consulting, and access to various advisory and brokerage services through an integrated platform combining adviser programs and financial products.

Cameron Kossen is a financial advisor at Ameriprise with 23 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Kossen serves on the Board of Directors for the University of Oregon Alumni Association in Northern California and acts as a Senior Advisor to the Board at the University of Oregon. He is also involved as an Education Coordinator with Business Network International in Walnut Creek, CA. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement who meet specific asset criteria. The firm offers a range of advisory, brokerage, and insurance solutions through affiliated entities and uses a centralized consulting team to deliver non-discretionary, research-driven retirement income recommendations.

Albert Demartini III is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and two years of industry experience. His prior roles include positions at Allspring Global Investments and Wells Fargo Asset Management. 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 advice grounded in modern portfolio theory. The firm’s services include investment policy statement preparation, performance reporting, participant education, and plan benchmarking, with a notable emphasis on including insurance-related products and bank deposit sweep options in its investment menus.

Dan Truong is a Planning Consultant at Fidelity Investments, a role he has held since 2025. He previously worked as a Financial Solutions Advisor at Merrill Lynch Bank of America from 2015 to 2025. Dan holds a California Insurance License. Dan's professional philosophy centers on education and financial planning, emphasizing the importance of a sound financial plan to help clients navigate uncertainties and pursue their financial goals. His approach involves active listening and empathy to ensure that strategies reflect clients' lives and aspirations. He is committed to providing proactive and personalized guidance that anticipates clients' needs and adapts to their evolving circumstances. Outside of his professional work, Dan engages in activities such as biking, cars, family activities, social events with friends, hiking, and photography.

Paul Noceti is a Series 66-licensed financial advisor with Morgan Stanley in Walnut Creek, CA, with 14 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and has been affiliated with Morgan Stanley Smith Barney since 2011. Outside of his advisory role, Noceti is involved as an independent contractor in contract engineering services. Morgan Stanley Wealth Management offers a range of advisory programs to individual and institutional clients, providing tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm‑approved tools and modeling techniques.

Rupal Patel is a financial advisor with UBS Financial Services who holds Series 63 and Series 66 licenses and has 20 years of industry experience. She has worked with UBS since 2009. UBS Financial Services Inc. provides brokerage and investment advisory services to individual, corporate, and institutional clients, offering a range of solutions including fee-based financial planning and portfolio management supported by proprietary research and capital market insights.