Robyn De Soto is a financial advisor with Morgan Stanley in Walnut Creek, CA, holding Series 63, 65, and 66 licenses. She has 20 years of industry experience and has been with Morgan Stanley since 2017. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured discovery conversations and firm-approved planning tools in its financial planning process.

Clarissa Dayoan is a Series 66-licensed financial advisor at Ameriprise with 13 years of industry experience. She has worked at Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2006. Outside of her advisory role, she provides life coaching focused on helping individuals overcome mental and emotional challenges related to loss and purpose. Ameriprise is an institutional firm offering retirement-income planning services targeted at clients approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver customized, non-discretionary recommendations, supported by a centralized consulting team and algorithmic tools.

Jeffrey Kragen is a CFP® professional with 23 years of industry experience, currently serving as a financial advisor at Raymond James & Associates since 2022. His prior experience includes roles at Bank of America, N.A. and Merrill. Raymond James & Associates provides financial planning and investment consulting through its Wealth Advisory Services Program to a diverse client base, including individuals, employer-sponsored retirement plans, and institutional clients. The firm offers tailored financial plans and investment recommendations, with a notable focus on public finance and municipal client services.

Cassandra Vincent is a financial advisor with Fidelity Investments, holding a Series 66 designation and 20 years of industry experience. Her prior roles include positions at Charles Schwab Bank SSB and Unionbanc Investment Services. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm utilizes a combination of fundamental research and quantitative analysis to construct model portfolios from mutual funds, ETFs, and ETPs, applying systematic methodologies and long-term asset allocation benchmarks.

Andressa Clark is a financial advisor at Fidelity with a Series 66 credential and one year of industry experience. Her prior work includes roles at My Family Lounge Agency, Nevada Adventures, and Vaco LLC at Google. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including an IRS-qualified Charitable Gift Fund and registered investment companies. The firm utilizes a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios from mutual funds, ETFs, and ETPs.

Di Wu is a financial advisor at J.P. Morgan Securities with eight years of industry experience. He holds the Series 66 designation and has prior work history at Bank of America, Merrill, HSBC, and E*TRADE, among others. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering asset-allocation advice, investment manager searches, and customized performance reporting through a non-discretionary process that combines quantitative modeling with centralized due diligence and incorporates an ESG eligibility framework.

Michael Binswanger is a financial advisor with Mass Mutual Investors Services in Walnut Creek, CA, holding Series 63 and Series 65 registrations and 16 years of industry experience. His prior experience includes roles at Metlife Securities Inc and MassMutual Life Insurance Co. Outside his advisory work, he owns a landscaping business. Mass Mutual 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, utilizing firm-approved tools such as Monte Carlo simulations to support collaborative planning engagements.

Miguel Rodriguez is a Financial Advisor with Merrill Lynch Wealth Management, specializing in personalized wealth management strategies for families, individuals, and businesses. He focuses on areas including executive compensation, family wealth management, personal retirement planning, and small business strategies. Miguel works closely with clients to understand their unique financial goals and circumstances, providing tailored guidance to help them navigate complex financial decisions. Miguel holds a Bachelor's Degree from Malone University and has earned professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Fluent in both Spanish and English, he is committed to building meaningful client relationships by uncovering what matters most to each individual and family he serves. Outside of his professional role, Miguel is active in his community through involvement with organizations such as Feed My Starving Children and Junior Achievement. He enjoys adventure sports, soccer, and spending time with his family, reflecting a balanced approach to his personal and professional life.

Elena Carolan is a financial advisor at Wells Fargo Advisors with a Series 66 designation and three years of industry experience. She has worked at Wells Fargo Advisors Financial Network since 2022 and has held various positions at educational institutions including Cornell University and Oak Knoll School. Carolan also holds an inactive New York real estate salesperson license. Wells Fargo Advisors Financial Network is a broker-dealer and registered investment adviser affiliated with Wells Fargo that serves individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services, including specialized areas such as business-owner transition and special-needs planning, and utilizes proprietary research and tools to develop tailored client recommendations.

Joyce Lee is a Financial Consultant currently working at Fidelity Investments since 2023. She focuses on providing clients with the knowledge and tools necessary to work toward their financial goals, emphasizing the importance of building strong, trusting relationships. Prior to her current role, Joyce served as a Financial Solution Advisor at Merrill from 2016 to 2023. She holds a California Insurance License, supporting her expertise in financial planning and insurance solutions.

Jeffrey Quintero is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. He has worked with Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Steven Victor is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. His prior roles include positions at Morgan Stanley and Citigroup Global Markets. Outside of his advisory work, he serves as power of attorney for his father. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and financial planning services to individuals, trusts, and institutions. The firm offers a broad range of planning services delivered through tailored recommendations supported by Wells Fargo research, with clients able to implement advice through various brokerage or advisory programs.

David Tierney is a financial advisor with Charles Schwab, holding Series 63 and Series 66 licenses and bringing 30 years of industry experience. He has been with Charles Schwab since 2016, including three years at Charles Schwab Investment Advisory. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers a multi-asset model portfolio investment approach supported by extensive research and alternative investment options.

Sunita Joseph is a financial advisor with Charles Schwab in Berkeley, CA, holding Series 63 and Series 66 licenses and having 23 years of industry experience. She has been with Charles Schwab and Charles Schwab Bank since 2007. 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 and discretionary investment solutions, supported by integrated custody and brokerage platforms.

Lorena Cardenas is a financial advisor with Edelman Financial Engines in Walnut Creek, CA. She holds a Series 65 designation and has been with the firm since 2007. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm offers a range of workplace solutions, planner-led wealth management, and retirement income services, utilizing a committee-driven modeling process combined with both discretionary management and online advice.

Emil Peinert is a financial advisor at Ameriprise with 20 years of industry experience. He holds a Series 66 designation and has been with Ameriprise since 2005. Outside of his advisory role, he has general oversight of Baitshop Dives LLC, an eating and drinking establishment in Oakland, CA. Ameriprise provides retirement-income planning services focused on clients nearing or in retirement with substantial investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, written recommendations through a centralized consulting team.

Anthony Lyle is a financial advisor at Fidelity with Series 63 and Series 66 licenses and 10 years of industry experience. He has been associated with Fidelity Brokerage Services LLC since 2016 and joined Fidelity Investments in 2025. Outside of finance, he is a sole proprietor fiction writer who occasionally appears on podcasts and online interviews. Fidelity, through its subsidiary Strategic Advisers LLC, serves a diverse client base including retail and institutional investors, offering investment management and advisory services that incorporate proprietary research, quantitative analysis, and algorithmic portfolio construction.

George Chang is a financial advisor with Charles Schwab in Walnut Creek, CA, holding Series 63 and Series 65 licenses and 28 years of industry experience. He has been with Charles Schwab and Charles Schwab Bank since 2007. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a combination of advisory, brokerage, custody, and financial planning services. The firm provides both non-discretionary investment guidance and access to discretionary separately managed accounts, supported by a structured model portfolio approach and centralized operational resources.

Umberto Leone is a Certified Financial Planner (CFP®) with 15 years of industry experience, all of which has been with Edward Jones since 2011. He is based in Concord, CA, and holds a Series 66 license. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including both non-high-net-worth and high-net-worth households, pension and profit-sharing plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets under management through a large network of financial advisors and branch offices, offering a range of discretionary and non-discretionary investment strategies, tax-efficient services, and affiliated mutual funds under a fiduciary standard.

Jennie Hunsberger is a financial advisor with OSAIC in Walnut Creek, CA, holding Series 65 and Series 66 credentials and bringing 21 years of industry experience. She has worked at OSAIC since 2017 and has been with Fidelity Investments Institutional Services Company, Inc. since 2013. She is also a partner at Next Step Retirement & Insurance, LLC, where she meets with clients and vendors. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated advisers and offers integrated brokerage and advisory services, financial planning, retirement plan consulting, and access to third-party money managers. The firm uses various asset-allocation tools and third-party platforms to construct portfolios that include diverse investment types and supports legacy program transitions.