Michael Baird is a financial advisor at OSAIC with 14 years of industry experience. He holds a Series 66 designation and has worked at firms including Bayshore Tax and Consulting and SECURITIES AMERICA, Inc. He is also involved in a sole proprietorship offering life insurance and long-term care coverage as part of his financial advisory services. OSAIC Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations. The firm provides a range of services such as brokerage and investment advisory, financial planning, and access to third-party money managers, utilizing asset allocation tools and automated rebalancing to manage portfolios across multiple asset classes.

David Lawrence II is a financial advisor with Morgan Stanley in Walnut Creek, CA, holding Series 63 and Series 65 credentials and bringing 21 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including financial planning that uses firm-approved tools and modeling techniques, and manages approximately $2.74 trillion in client assets.

Mary Hanson is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 credentials and 22 years of industry experience. She has been with Cambridge Investment Research Advisors since 2012. Hanson is a board member of the Professional Women's Referral Group and serves as a networking leader for the San Ramon Chamber of Commerce. Cambridge Investment Research Advisors is a large SEC-registered firm serving a broad range of clients including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory through a network of independent Financial Professionals using multiple platform arrangements and both proprietary and unaffiliated model strategies.

John Keller is a financial advisor with Ameriprise in Walnut Creek, CA, holding a Series 63 designation and 30 years of industry experience. He has worked at Ameriprise and its affiliate since 2005. Keller participates in a member expense sharing arrangement with other Ameriprise advisors to support shared business infrastructure. Ameriprise offers retirement-income planning services targeting individuals with substantial investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored recommendations. The firm delivers a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

David Minor is a financial advisor with Ameriprise in Walnut Creek, CA, holding Series 63 and Series 65 licenses and bringing 21 years of industry experience. He has been with Ameriprise and its related entities since 2010. Minor serves on the board of directors for COTAP, a nonprofit organization. Ameriprise offers retirement-income planning services aimed at individuals approaching or in retirement, with a focus on clients who meet specific asset criteria. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Heidi Crocker is a financial advisor at UBS Financial Services with five years of industry experience. She holds a Series 66 designation and has worked at UBS Financial Services and Morgan Stanley Smith Barney LLC. Prior to her professional financial career, she spent twelve years engaged in homemaking. UBS Financial Services 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 and uses proprietary research and model-based asset allocations to tailor client plans.

Virginia Price is a financial advisor with Wells Fargo Clearing in Tiburon, CA, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2011 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven, incorporates modern portfolio theory, and includes a broader set of financial products such as insurance-related vehicles and bank deposit sweep options.

Casey Pena is a financial advisor at Cetera with 23 years of industry experience. He has held positions at Cetera since 2019 and previously worked at Foresters Financial Services from 2011 to 2019. He holds Series 63 and Series 66 designations. Cetera Investment Advisers LLC serves individual and institutional clients through a nationwide network of independent advisors. The firm offers a variety of portfolio management and retirement services, utilizing a multi-manager platform that includes both affiliated and third-party managers.

Kevin Dommes is a financial advisor with UBS Financial Services in Walnut Creek, CA, holding a Series 66 designation and 12 years of industry experience. He has been with UBS Financial Services and UBS Bank USA since 2016. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, leveraging proprietary research and a broad range of capital markets and banking products.

Zachary Unger is a financial advisor with Merrill, holding a Series 66 designation and five years of industry experience. He has worked at Merrill and Bank of America since 2020 and previously held roles at Pacific Premier Bank, Cal Poly Corporation, and California Polytechnic University San Luis Obispo. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a diverse client base that includes individuals, high-net-worth clients, and institutional fiduciaries.

James Hinckley is a financial advisor with UBS Financial Services in Alamo, CA, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He has been with UBS Financial Services Inc. since 2013. UBS Financial Services Inc. 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 wide range of investment products and services supported by proprietary research and capital markets expertise.

Charles Truong is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and having 25 years of industry experience. He has worked at LPL Financial since 2023 and previously held roles at Bank of the West and Bancwest Investment Services, Inc. since 2016. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad range of clients including individuals, retirement plans, banks, and charitable organizations. The firm offers diverse advisory programs, retirement plan consulting, and brokerage services through a national network of investment adviser representatives.

Brian Wibert is a financial advisor with J.P. Morgan Securities in Walnut Creek, CA. He holds the Series 66 designation and has one year of industry experience. Prior to joining J.P. Morgan Securities, he worked at Wells Fargo Advisors and Wells Fargo NA. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering asset-allocation advice, investment manager and fund searches, and customized performance reporting through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when making recommendations.

John Wells is a financial advisor with Wells Fargo Advisors holding a Series 65 credential. He has one year of industry experience, having joined Wells Fargo Advisors in 2025. Prior to his financial advisory role, his background includes positions at Rhumbix, Inc. and Gusto, Inc., as well as experience in design education at Parsons School of Design. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, offering a broad range of investment and financial planning services to individuals, trusts, and institutional clients. The firm provides tailored planning using proprietary research and tools, serving clients through a network of financial advisors with a range of specialized planning options.

Marcos Palma Garcia is a financial advisor at Wells Fargo Clearing with six years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Edward Jones, Northwestern Mutual, New York Life, and Wells Fargo Bank. Outside of his advisory role, he is the owner of Palma Gardening LLC, a landscaping company. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions.

Areeya Vesvoranan is a financial advisor at Wells Fargo Advisors with three years of industry experience. Her background includes roles at Wells Fargo Clearing, Wells Fargo Bank, and a bakery and cafe, as well as teaching positions at Florida International University and Miami Palmetto Senior High School. Outside of finance, she is involved with Thai Tamarind Restaurant in Belmont, CA, where she assists with customer service duties. Wells Fargo Advisors Financial Network provides investment and financial planning services to individuals, trusts, and institutional clients, offering a broad range of planning options that cover retirement, education, risk management, and specialty areas such as business-owner transition and special-needs analysis. The firm uses proprietary research and planning tools to develop tailored recommendations, with implementation options through brokerage or advisory programs.

Russ Bizhko is a financial advisor with J.P. Morgan Securities in Lafayette, CA, holding Series 66 and Series 63 licenses and 16 years of industry experience. He has been with J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2014. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework in its investment recommendations.

David Kramer is a financial advisor at Cetera with 48 years of industry experience. He holds the Series 63 and Series 65 designations and has worked at Cetera Advisors LLC since 2013. In addition to his advisory role, he serves as chairman of finance for a condominium homeowners association. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with discretionary and non-discretionary options.

Kathleen Ortiz is a financial advisor at Raymond James & Associates with 15 years of industry experience. She holds the Series 66 designation and has worked previously at Morgan Stanley and Sagepoint Financial, Inc. Ortiz is based in Walnut Creek, CA. 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, corporate and charitable entities, and government clients. The firm also offers institutional consulting and sponsors wrap fee advisory programs.

Damon Becker is a financial advisor with LPL Financial in Walnut Creek, CA, holding a Series 63 designation and 33 years of industry experience. He has been associated with LPL Financial since 2003 and leads Becker Financial Group, which he founded in 2004. Becker serves on the investment committee for Hillcrest Orchard, a family business. LPL Financial is an SEC-registered investment adviser and broker-dealer that provides financial planning, advisory programs, retirement plan consulting, and brokerage services to individuals, retirement plans, institutions, and charitable organizations through a national network of advisors. The firm offers discretionary and non-discretionary management with access to model portfolios, third-party subadvisors, and various investment strategies.