Sean Armstrong is a Financial Consultant at Fidelity Investments, a position he has held since 2013. He brings over 30 years of experience in the financial services industry, with a background that includes roles such as Branch Manager at TD Ameritrade and Charles Schwab, Registered Representative at Wellington Securities, and Account Executive at Dean Witter Reynolds. Sean specializes in financial planning and investment management, emphasizing personalized, one-on-one relationships. He works closely with clients to understand their comprehensive financial situations, enabling interactive planning and scenario analysis to develop adaptable financial plans that evolve with clients' goals. He holds a California Insurance License. Outside of his professional work, Sean enjoys biking, cooking and baking, participating in family activities, playing golf, hiking, and scuba diving.

Paula Best is a Certified Financial Planner (CFP®) and holds a Series 63 license with 12 years of experience in the financial industry. She has worked at First Republic Securities Company, LLC since 2014 and also held roles at Wingspan Insurance Group, LLC and M HOLDINGS SECURITIES, Inc. from 2013 to 2018. She is based in Walnut Creek, California. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, offering a range of products and proprietary research to tailor investment solutions.

James Schmidt is a Wealth Management Advisor and Senior Vice President at Merrill Lynch Wealth Management. He focuses on developing financial strategies tailored to wealthy individuals and business owners, providing comprehensive advice to help clients pursue their long-term goals through personalized or defined strategies. His areas of expertise include college education planning, executive compensation, services for defined benefit plans, investment consulting for defined contribution plans, legacy and liquidity management, personal retirement planning, portfolio management, individual and corporate investment strategy, and tax minimization. James holds several professional designations including Certified Financial Planner (CFP®), Certified Investment Management Analyst (CIMA®), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He earned a bachelor's degree from Michigan State University. Outside of his professional role, James is the founder of the "Fore Our Schools" foundation, which raises funds for local schools. His personal interests include boating, fishing, golfing, hunting, and traveling.

Shelley Hancock is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and 29 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2011 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory solutions grounded in modern portfolio theory. The firm’s services include investment policy statement preparation, investment recommendations, performance reporting, participant education, and plan benchmarking, with a notable range of financial products including insurance-related vehicles and bank deposit sweep options.

Jeffrey Hastings is a financial advisor with Cetera who holds a Series 66 designation and has 22 years of industry experience. His prior work includes roles at Avantax and leadership positions in his own accounting and tax preparation firms. He is actively involved in tax planning and compliance services and provides trustee services for client trusts. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, and institutional accounts, offering a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party managers. The firm supports a variety of program structures and custodial relationships while overseeing more than $256 billion in assets under management.

Magnus Du Borg is a CFP® with 16 years of industry experience, currently serving with RBC Capital Markets and City National Bank since 2021. His prior experience includes roles at Morgan Stanley and its affiliated private bank divisions from 2009 to 2021. Outside of his advisory work, he is involved as a passive owner in real estate investment entities. RBC Wealth Management, a division of RBC Capital Markets, serves individual and institutional clients with tailored investment strategies implemented through a range of advisory programs. The firm offers discretionary and non-discretionary portfolio management, financial planning, and brokerage services supported by both in-house and third-party investment managers.

Nickolas Prieto is a financial advisor at UBS Financial Services with 10 years of industry experience. He holds Series 65 and Series 63 registrations and has worked at UBS since 2019. Prior to that, he was with Osborne Partners Capital Management and Brouwer & Janachowski. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management, offering a range of products supported by proprietary research and a broad service platform.

Stephan Choulos is a financial advisor with LPL Financial, holding a Series 66 designation and bringing 26 years of industry experience. He has been with LPL Financial since 2014. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a broad range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Jacquelyn Hernandez is a financial advisor with Merrill in Walnut Creek, California, holding a Series 66 designation and 19 years of industry experience. Her prior roles include positions at Wells Fargo Clearing and Wells Fargo Advisors LLC. She serves as a board member of Benicia Youth Football, a community youth sports organization. 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, and other fiduciaries.

Premnauth Persaud is a financial advisor with LPL Financial in Concord, CA, holding Series 63 and Series 66 licenses and having 22 years of industry experience. His prior roles include positions at Morgan Stanley, Bank of America, and Merrill. He also serves as a Senior Premier Relationship Manager at BMO Investment Services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, and institutions, offering financial planning, advisory programs, and brokerage services through a large national network.

Daoud Kayoumi is a Financial Consultant at Fidelity Investments, a role he has held since 2023. In this position, he partners with clients to understand their financial goals, develop personalized plans, and provide investing guidance. He focuses on ensuring clients understand where their money is invested, the performance of their investments, and associated costs. Prior to his current role, Daoud held positions including Account Executive at Salesforce from 2022 to 2023, Vice President Financial Consultant at Charles Schwab from 2021 to 2022, Financial Advisor at Equitable from 2019 to 2021, and Branch Service Specialist at Union Bank from 2017 to 2018. He holds a California Insurance License.

Darius Bahador is a Financial Advisor at Merrill Lynch Wealth Management. In his role, he works closely with clients to understand their personal financial goals and develops tailored strategies to address their short-, mid-, and long-term objectives. His responsibilities include providing guidance on general investing, retirement planning, and preparing for unexpected financial needs. He also facilitates access to specialists from Bank of America for services related to banking, credit, home financing, and small business solutions. Darius holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. He earned a Bachelor's Degree from McMaster University. His approach emphasizes getting to know clients and understanding what matters most to them, which informs his ongoing advice and guidance as their needs evolve.

Ian Longtin is a financial advisor at Ameriprise with eight years of industry experience. He holds a Series 66 designation and has been with Ameriprise since 2017, including a prior role at Ameriprise Financial Services, Inc. Outside of his advisory work, Ian serves on the Board of Directors for Berean Christian High School and engages in public speaking and consulting for local groups, churches, and schools. Ameriprise provides retirement-income planning services targeted at individuals approaching or in retirement, with a focus on clients who meet specific asset thresholds. The firm offers a range of advisory, brokerage, and insurance solutions, utilizing a centralized retirement-income consulting team that employs both research and algorithmic tools to produce tailored, non-discretionary recommendations.

Darren Riley is a financial advisor at Morgan Stanley with nine years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Smith Barney LLC since 2013, with a brief period at Merrill from 2021 to 2022. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs including tailored financial planning supported by firm-approved tools and methodology. The firm manages approximately $2.74 trillion in client assets and offers services through both direct and corporate financial planning arrangements.

Arnel Tecson is a financial advisor with LPL Financial in San Ramon, CA, holding a Series 66 designation and bringing 18 years of industry experience. He has been with LPL Financial since 2007. Outside of his advisory role, he is involved in real estate rental activities in Keller, Texas. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Kyle Ashcraft is a financial advisor with Wells Fargo Clearing, holding a Series 66 license and four years of industry experience. His career includes multiple terms at Wells Fargo Clearing and Edward Jones. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services, managing approximately $671 billion in assets with over 14,000 financial advisors.

Ian Lee is a financial advisor at Cetera with 33 years of industry experience. He holds a Series 63 license and has been with Cetera and its related entities since 2013. Outside of his advisory role, Lee serves on the investment committee for the Walnut Creek Presbyterian Church Foundation and is a member of the stewardship committee at Walnut Creek Presbyterian Church. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of advisors. The firm offers a range of portfolio management and financial planning services with access to various program platforms and third-party managers.

Shelby Buccellato is a financial advisor with Morgan Stanley in Orinda, CA, holding Series 63 and Series 65 designations and bringing 25 years of industry experience. She has been with Morgan Stanley since 2013. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a broad range of advisory programs to individuals and institutional clients. The firm provides tailored financial planning supported by structured discovery processes and firm-approved tools, managing approximately $2.74 trillion in client assets.

Allison Schwarz is a CFP® professional with four years of industry experience, currently affiliated with Wells Fargo Clearing. Her prior experience includes roles at Russell Investments Implementation Services and Penserra Securities. Outside of finance, she has worked in diverse fields including psychology research and the service industry. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with a range of investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and supports its clients through a combination of brokerage and advisory solutions.

Radhika Srinivasan is a financial advisor at Charles Schwab with 18 years of industry experience and holds a Series 66 designation. Her prior work includes positions at Wells Fargo Bank, Wells Fargo Clearing, and Wells Fargo Advisors LLC. Charles Schwab serves a large client base primarily consisting of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering bundled advisory, brokerage, custody, and financial planning services. The firm combines a non-discretionary client relationship model with access to affiliated discretionary separately managed accounts and employs multi-asset model portfolios supported by research from the Schwab Center for Financial Research.