Ronald Arrajj is a financial advisor with Wells Fargo Advisors in Walnut Creek, CA, holding Series 63 and Series 65 credentials and five years of industry experience. Prior to joining Wells Fargo Advisors in 2024, he worked at Wells Fargo Clearing and Bloomberg LP in various capacities from 1993 to 2024. He serves as executor and trustee for several family trusts. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutional clients, using Wells Fargo research and tools to develop tailored recommendations. The firm offers a broad range of planning services, including niche areas such as business-owner transition and special-needs analysis.

Georgiana Andersen is a financial advisor with Merrill in Walnut Creek, CA, holding Series 63 and Series 65 licenses and 36 years of industry experience. She has been with Merrill since 2015. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Alexander Holguin is a financial advisor with Wells Fargo Advisors in Walnut Creek, CA, holding a Series 66 designation and four years of industry experience. His prior work includes roles at Amazon and TD Ameritrade. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that serves individuals, trusts, and institutional clients with a broad range of investment and financial planning services. The firm provides tailored recommendations supported by proprietary research and planning tools, offering specialized services such as business-owner transition and special-needs planning.

Kyle Branham is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 12 years of industry experience. Prior to joining Cetera in 2019, he worked at Foresters Financial Services and Foresters Advisory Services. Outside of his advisory role, he is CEO and co-owner of GameStars, a third-party platform for video games, and serves as Director of Analytics at SpikeWeek.com, where he develops statistical models and writes about fantasy football. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients, including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers various portfolio management and consulting services through a large network of independent advisors, with access to multiple program platforms and third-party money managers.

Lauren Gershon is a financial advisor at Fidelity with a Series 66 designation and six years of industry experience. Her career includes roles at Fidelity Investments, FIDELITY Brokerage Services LLC, TD Ameritrade, and TD Bank. Fidelity's Strategic Advisers LLC, where she is based, provides investment management and advisory services to retail and institutional clients. The firm employs a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios and offers advisory services including fund management and consulting.

Mark Hersman is a financial advisor with Charles Schwab in Oakland, CA, holding Series 66 and Series 63 credentials and 36 years of industry experience. He has worked with Charles Schwab since 1994, including roles at Charles Schwab Bank, SSB, and has been involved with Growth Capital Services, Inc., Mazakali LLC, and Portman Enterprises LLC throughout his career. 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 non-discretionary and discretionary investment management with multi-asset model portfolios and access to alternative investments. The firm’s large scale and integrated structure provide centralized supervisory, custody, and order-routing services to a broad client base.

William Fraser is a financial advisor with Morgan Stanley in Walnut Creek, CA, holding Series 63 and Series 66 licenses and bringing 41 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2009 and Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management offers advisory programs to individuals and institutional clients, with financial planning services supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and provides a range of investment solutions alongside advisory and brokerage services.

Douglas Kaminski is a financial advisor with Charles Schwab in Walnut Creek, CA, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. He has worked with Charles Schwab and its affiliates since 2005. Outside of his advisory role, he is involved in property management as a landlord. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, offering comprehensive wealth advisory, brokerage, custody, and financial planning services through its integrated wrap fee programs. Schwab provides both non-discretionary and discretionary investment options, utilizing multi-asset model portfolios and research-based due diligence to support client investment decisions.

Dareal Harmon is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 credentials and seven years of industry experience. His prior roles include positions at LPL Financial, BMO, J.P. Morgan, and First Republic, among others. Outside of finance, he is a business owner of several brands and works as a caregiver through in-home supportive services. Wells Fargo Clearing provides retirement plan consulting for qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Virgil Threlkeld is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and possessing 29 years of industry experience. He has worked at several firms including Advantage Wealth Advisors, First Allied Advisory Services, First Allied Securities, Cetera Wealth Services, UBS Financial Services, and Morgan Stanley. 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 financial planning, model portfolio programs, third-party asset management, and institutional platforms, utilizing both discretionary and non-discretionary strategies supported by advisor tools, with oversight of substantial discretionary assets and a large advisor network.

Benjamin Lam is a financial advisor at UBS Financial Services with 43 years of industry experience. He holds Series 63 and Series 65 credentials and has been with UBS since 2016. Lam jointly owns several rental properties with his spouse, though he does not participate in their management. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining proprietary asset allocation models and research to tailor plans to clients’ goals. The firm integrates institutional trading capabilities with wealth management and provides a broad range of financial services including fee-based planning, portfolio management, and capital markets support.

Andrey Movsesyan is a Wealth Management Advisor at Merrill Lynch Wealth Management. He brings 20 years of experience in financial services, having started his career at Citibank in 2005 and subsequently working at Wells Fargo Private Bank, Abbot Downing (formerly Wells Fargo Family Wealth), First Republic Bank, Prudential Financial, and BBVA Global Wealth. Throughout his career, he has assisted teams in managing investments for institutional and individual clients with assets ranging from $1 million to $1 billion. Andrey holds a Bachelor's degree in Economics and an MBA from San Francisco State University. He has earned several professional designations, including Chartered Financial Analyst (CFA), CERTIFIED FINANCIAL PLANNER (CFP), Chartered Market Technician (CMT), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). His expertise includes education planning, family wealth management strategies, liquidity management, retirement income planning, and tax minimization. Residing in Danville, California, Andrey enjoys spending time with his wife, Anastasiia, and their two children, Katerina and Viktor. The family often spends time outdoors, particularly at their cabin in Groveland, near Yosemite National Park. He is actively involved in his community and serves as a board member for the Epilepsy Foundation of Northern California.

Vener Lansang is a financial advisor at Ameriprise with nine years of industry experience. He holds a Series 66 designation and has been with Ameriprise since 2014, including its predecessor firm. Ameriprise is a large institutional firm that offers a retirement-income planning service focused on clients approaching or in retirement with significant investable assets. The firm provides a range of advisory, brokerage, and insurance solutions, combining research, modeling, and tax-efficient strategies to deliver personalized, non-discretionary recommendations.

John Saylor is a financial advisor with LPL Financial in Concord, CA, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has worked at LPL Financial since 2015 and operates Saylor Insurance & Financial Services, which he has owned since 1999. Outside of his advisory roles, he is involved with Credit Risk Management, LLC, focusing on property and casualty. 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 investment management solutions, utilizing model portfolios, third-party subadvisors, and customized strategies across various asset classes.

Bryan Matheney is a financial advisor at J.P. Morgan Securities with 16 years of industry experience. He holds Series 63 and Series 65 licenses and has been with J.P. Morgan Securities since 2012. Outside of his advisory role, he has limited involvement in a real estate investment LLC formed to purchase property in Star, Idaho. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm delivers recommendations on a non-discretionary basis and integrates institutional advisory capabilities with affiliated brokerage and investment management services.

Kevin Mcgregor is a financial advisor at Cetera with 31 years of industry experience. He holds Series 63 and Series 65 licenses and has a background that includes roles at Avantax Investment Services and Avantax Insurance Agency. In addition to his advisory work, he operates tax preparation and accounting businesses and serves as a fiduciary managing finances and long-term care matters for clients. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a range of portfolio management and financial planning services and features a multi-manager platform with access to both affiliated and third-party investment strategies.

James Collini is a financial advisor with Stifel in Walnut Creek, CA, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has been with Stifel Nicolaus & Co. Inc. since 2008. Outside of his advisory role, Collini serves as a board member for Friends of Camp Concord, a nonprofit that raises funds to send underprivileged children to summer camp, and is president of the Charles Reid Foundation, which organizes an annual Christmas event for poor children. Stifel provides brokerage and investment advisory services to a diverse client base including individuals, institutional clients, and charitable organizations. The firm employs a proprietary investment methodology developed by its Investment Strategy Group to offer asset allocation and planning analyses, with clients retaining discretion over implementation.

David Weed is the Vice President and Branch Leader at Fidelity Investments, a position he has held since 2023. He leads a team of financial advisors who work with clients to pursue their financial goals. Prior to this role, he served as Vice President and Regional Planning Consultant from 2018 to 2023, Assistant Branch Office Manager from 2015 to 2018, and began his career with Fidelity as a Financial Consultant from 2012 to 2015. David holds a California Insurance License. Outside of his professional responsibilities, he enjoys camping, family activities, fitness, football, social events with friends, and snowboarding.

Jonathan Negrete Torres is a Financial Consultant at Fidelity Investments, where he has been working since 2026. He has held various roles at Fidelity since 2022, including Investment Consultant, Relationship Manager, and High Net Worth Associate. Prior to his tenure at Fidelity, he worked as a Registered Administrative Associate at LPL Financial from 2021 to 2022. Jonathan holds a California Insurance License, supporting his work in financial consulting. His approach involves listening to clients and understanding their financial priorities to create customized strategies that align with their life goals. Outside of his professional work, Jonathan's interests include family activities, fitness, golf, outdoor adventures, and soccer.

Janna Magdaleno is a Series 66-credentialed financial advisor with 15 years of industry experience. She currently works at J.P. Morgan Securities and JPMorgan Chase Bank, N.A., having previously been with Morgan Stanley Wealth Management and Bank of America Merrill Lynch. Magdaleno is also involved in business activities with TNT Land Holdings LLC and Terra Nova Trading Inc. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.