Sherri Omdahl is a financial advisor with Morgan Stanley in Pleasanton, CA, holding Series 63 and Series 65 licenses and 34 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2009 and Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs and financial planning services supported by structured discovery and advanced modeling tools.

Victor Lee is a CFP® professional with 19 years of experience in the financial services industry. He has been with Mass Mutual Investors Services since 2017 and has worked at Massachusetts Mutual Life Insurance Company since 2016, following a ten-year tenure at MetLife Securities INC. 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 provides financial planning, asset management, and educational seminars, using firm-approved software and collaborative planning to deliver written recommendations tailored to clients' goals.

Charles Tyler is a financial advisor with Cambridge Investment Research Advisors, holding Series 63, 65, and 66 licenses and bringing 33 years of industry experience. He has been with Cambridge Investment Research Advisors and Cambridge Investment Research, Inc. since 2006 and also serves as Chief Investment Officer at Capital Planning Partners, a role he has held since 2002. In addition to his advisory work, he operates as an independent insurance agent. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, retirement plan advisory, and financial-wellness services through a network of independent professionals, utilizing both proprietary and third-party strategies across multiple platforms.

Steven Ng is a financial advisor at Merrill with Series 63 and Series 65 licenses and two years of industry experience. Before joining Merrill and Bank of America in 2025, he worked at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities from 2023 to 2025, and spent seven years at Vontobel Wealth Management in Hong Kong from 2015 to 2022. 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 both model-based and discretionary strategies designed by internal CIO teams and third-party managers for a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Michelle Phradichith is a financial advisor at Charles Schwab with seven years of industry experience. She holds Series 63 and Series 66 designations and previously worked at Fidelity Investments from 2018 to 2025 and at other firms including Veritude and REAL Software Systems. Charles Schwab & Co., Inc. serves a primarily high- and ultra-high-net-worth client base through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios supported by in-house research and due diligence on alternative investments.

Adam Love Jr. is a financial advisor with Wells Fargo Clearing in Walnut Creek, CA, holding Series 63 and Series 65 designations and bringing 35 years of industry experience. He has worked at 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 plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions. The firm’s approach is driven by investment policy statements and modern portfolio theory, tailoring services to plan objectives and risk tolerances, and includes a notable range of financial products such as insurance-related vehicles and bank deposit sweep options.

Bryant Dawson is a financial advisor at Wells Fargo Clearing with 15 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Wells Fargo Clearing since 2016, following six years at Wells Fargo Advisors LLC and 12 years at Wells Fargo Bank, N.A. Wells Fargo Clearing provides retirement plan consulting 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 based on modern portfolio theory, with a notable range of investment options that include insurance-related vehicles and bank deposit sweep programs.

Lan Xiao is a financial advisor with LPL Financial in Fremont, CA, holding Series 63 and 65 credentials and three years of industry experience. Prior to joining LPL Financial, Lan worked at Cetera Investment Services LLC and East West Bank. Lan is also involved with General Mortgage Capital Corporation and operates a non-variable insurance business. LPL Financial serves individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives, offering a broad range of financial planning and advisory programs alongside brokerage services.

Fan Qi is a financial advisor at Merrill with six years of industry experience and holds a Series 66 designation. Prior to joining Merrill and Bank of America in 2019, she was involved with The Baubox LLC. Outside of her advisory role, she co-owns and manages a rental property business with her husband through several related LLCs. 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 a range of clients including individuals, high-net-worth clients, and institutional investors.

Maximilian Clark is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and two years of industry experience. He has been with Wells Fargo since 2023 and previously studied at the University of California, Berkeley. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary solutions tailored to plan objectives and risk tolerances. The firm’s advisory approach is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Troy Channing is a Financial Consultant currently working at Fidelity Investments since 2020. Prior to this role, he was a Financial Advisor at Edward Jones from 2016 to 2020. He holds a California Insurance License. Troy focuses on building strategies tailored to meet clients' specific needs, emphasizing financial planning education and guidance for families. His approach centers on partnering with clients to develop personalized financial plans. Outside of his professional work, Troy has interests in baseball, biking, cars, parenthood, running, and traveling.

Richard Martell Jr. is a financial advisor with LPL Financial, holding Series 63 and Series 65 designations and bringing 48 years of industry experience. He previously worked at National Planning Corporation for 12 years before joining LPL Financial in 2017. Martell is also co-owner of BFM Wealth Management, a firm that provides tax preparation services. 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 advisory programs and financial planning services, combining discretionary and non-discretionary management with research-supported model portfolios and various investment strategies.

Ross Gusky is an Investment Consultant at Fidelity Investments. In this role, he partners with clients to develop and implement financial plans and investment strategies tailored to their unique goals, concerns, and risk profiles. He focuses on creating and adjusting plans to align with changing market conditions and life circumstances. Ross has held several positions at Fidelity Investments, including Financial Representative and Financial Services Representative. Prior to joining Fidelity, he worked as a Financial Professional at New York Life Insurance. He holds a California Insurance License.

Argenis Biscardi Melendez is a CFP®-certified financial advisor with six years of industry experience, currently affiliated with OSAIC in Lafayette, CA. His prior work history includes roles at Royal Alliance Associates, NYLIFE Securities, and New York Life Insurance Company. He also serves as part of a core group of advisors at Pacific Financial Partners, assisting with insurance and investment products for existing clients. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and nonprofits, offering integrated brokerage and advisory services through a large network of financial advisors and multiple advisory platforms. The firm utilizes various asset-allocation tools, risk assessments, and third-party money managers to construct portfolios across a wide range of asset classes.

Keith Oslie is a financial advisor with Osaic Wealth Inc., holding a Series 65 credential and eight years of industry experience. His prior roles include positions at Defined Financial Planning LLC, J.W. Cole Advisors, Inc., and Global Financial Private Capital, LLC. Outside of advising, he is treasurer and partner at Cheers to Happy Hair, Inc., a hair salon where he manages finances and payroll. Osaic Wealth, Inc. serves a diverse mix of retail and institutional clients through a large network of affiliated advisors, offering integrated brokerage, advisory services, financial planning, and access to third-party asset managers. The firm employs various portfolio construction tools and supports both discretionary and non-discretionary account management.

Daniel Ghinazzi is a financial advisor with Cetera who holds a Series 63 designation and has 50 years of industry experience. He has been with Cetera and its related entities since 2013. Outside of his advisory role, he is involved in the sale of fixed insurance products and operates a financial services business under the name East Bay Financial Network. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a nationwide network of advisors and features a multi-manager platform with various investment program options.

Sagar Singh is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 credentials and six years of industry experience. His prior roles include positions at J.P. Morgan Securities LLC and JPMorgan Chase Bank, N.A., as well as experience outside finance at Vinum Bar. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services grounded in a modern portfolio theory approach and acting as an ERISA fiduciary.

Benjamin Steinhorn is a financial advisor at OSAIC with one year of industry experience. He previously operated Steinhorn Consulting for ten years prior to joining OSAIC. He holds the Series 66 designation. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers a range of integrated brokerage and advisory services supported by various asset-allocation tools and third-party platforms.

Jonathan Farnstrom is a CFP®-credentialed advisor with eight years of industry experience, currently with Osaic Wealth, Inc. in San Ramon, CA. Prior to joining Osaic in 2025, he spent seven years at Lincoln Financial Advisors. He is also involved in insurance product offerings through Farnstrom Financial Services, LLC, which he owns and operates. Osaic Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and nonprofits, offering integrated brokerage and advisory services across multiple platforms. The firm utilizes various asset-allocation tools and third-party solutions to construct portfolios that include a broad range of investment vehicles.

Charles Bond is a CFP® with 42 years of industry experience, currently affiliated with OSAIC. He has held positions at Royal Alliance Associates, Inc. since 2018 and at Signator Investors, Inc. from 2016 to 2018. In addition to his advisory role, he is a managing member of Bond Financial and Insurance Services LLC, an insurance agency operating with family members that sells group and individual health, life, dental, and vision insurance, as well as fixed annuities and Medicare supplements. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, utilizing asset-allocation tools, risk-tolerance questionnaires, and automated rebalancing to construct diversified portfolios including stocks, bonds, options, mutual funds, ETFs, and alternative investments.