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.

Sara Quintanilla is a financial advisor with Ameriprise in Hayward, CA, holding a Series 66 designation and two years of industry experience. She has worked at Ameriprise since 2022 and previously spent seven years with Canyon Wealth Management. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement who meet specific eligibility criteria, providing written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver personalized recommendations, primarily for clients with substantial assets managed within Ameriprise.

Keyuanna Watkins is a financial advisor at Wells Fargo Clearing with four years of industry experience. She holds a Series 66 designation and has worked at Wells Fargo Clearing since 2021. Outside of her advisory role, she also works part-time as a service desk associate at The Home Depot. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Eric Angeles is a Financial Consultant currently with Fidelity Investments, where he has been working since 2022 in various roles including Relationship Manager and Planning Consultant before his current position starting in 2023. Prior to joining Fidelity Investments, he worked as a Merrill Financial Solutions Advisor and Financial Advisor at Merrill Lynch and Bank of America Merrill Lynch between 2020 and 2022. Eric's approach involves understanding clients' financial situations, risk tolerance, and objectives to develop personalized financial plans. He holds a California Insurance License which supports his advisory services. Outside of his professional work, Eric's personal interests include spending time at the beach, playing golf, running, and parenthood.

Donn Levine is a financial advisor with Cetera, holding the ChFC® designation and the Series 63 license, and has 43 years of industry experience. His prior work includes roles at OSAIC, Woodbury Financial Services, Minnesota Life, and Sgc Financial. Outside of his advisory career, he coaches girls' golf at Castilleja High School and is the author of the book "Outwit the Yips." Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with various portfolio management options, combining discretionary and non-discretionary services through a nationwide network of independent advisors.

Paul Schreiber is a CFP®-designated financial advisor with Charles Schwab, where he has worked since 1998, totaling 28 years of industry experience. He also holds Series 63 and Series 65 licenses. Outside of his professional role, he serves as Chairman of the Finance Committee at Our Father's House church in Fremont, CA, an unpaid position involving oversight of the church's expenditures. 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 combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts, offering multi-asset model portfolios supported by centralized operational and custody infrastructure.

Huizhen Wu is a CFP®-certified financial advisor with Charles Schwab, based in Pleasanton, CA, with 25 years of industry experience. She has been with Charles Schwab since 1999 and Charles Schwab Bank, SSB since 2005. 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 combines non-discretionary advisory relationships with access to affiliated discretionary separate managed accounts and offers a multi-asset model portfolio approach supported by centralized operational and supervisory structures.

Bruce Lin is a financial advisor at UBS Financial Services with 34 years of industry experience. He holds Series 63 and Series 65 credentials and has worked previously at Wells Fargo Advisors and Wells Fargo Clearing. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client strategies.

Eric Razzi is a financial advisor with Merrill, holding a Series 66 designation and 15 years of industry experience. He has worked with Merrill and Bank of America since 2012 and had a prior role at TD Ameritrade. Razzi is based in Livermore, California, and has experience in both institutional and client-facing roles. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to 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.

Simarjeet Kaur is a financial advisor at Fidelity with a Series 66 designation and no prior industry experience. Before joining Fidelity in 2025, Kaur worked at the Canadian Imperial Bank of Commerce from 2019 to 2024 and the State Bank of India from 2011 to 2019. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including fund advisory and model portfolio delivery. The firm combines fundamental research with quantitative analysis and algorithmic portfolio construction, overseeing sub-advisers and incorporating AI methods in its investment process.

Robert Avey is a financial advisor with Raymond James Financial Services Advisors, Inc., holding the ChFC® designation along with Series 63 and Series 65 licenses. He has 31 years of industry experience, including 28 years at Securian Financial Services and a long tenure at Secure Futures/Link Allen & Associates. He also works as an independent contractor financial advisor at Summit Financial Group. Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to a diverse client base that includes individuals, high-net-worth clients, pension and profit-sharing plans, corporations, charitable organizations, and institutions. The firm offers tailored non-discretionary planning and consulting using analytical tools and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

Luis Almendarez Jr. is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. His prior roles include positions at Merrill, Bank of America, and UnionBanc Investment Services. He serves as a board member of the US Fiji Chamber of Commerce and is an ambassador for the South San Francisco Chamber of Commerce. Cetera Investment Advisers LLC operates a large nationwide network of independent advisors, serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with discretionary and non-discretionary options.

Thomas Alderson is a financial advisor at Ameriprise with 17 years of industry experience and holds a Series 66 designation. He has worked at various Ameriprise entities since 2016, with a brief period away from the industry in 2016–2017. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service providing written recommendation reports and ongoing planning advice focused on retirement income strategies.

Wai Chi Wong is a financial advisor at Charles Schwab with 26 years of industry experience. He holds Series 63 and Series 66 designations and has been with Charles Schwab since 2000, with a brief tenure at OptionsXpress, Inc. in 2017. Based in Danville, CA, his career has been focused within a leading national firm. 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 guidance, utilizing multi-asset model portfolios and a distinctive operational structure that integrates advisory, brokerage, custody, and cash-sweep services.

Gerald Gee is a financial advisor with Morgan Stanley in Pleasanton, CA, holding a Series 66 designation and having 10 years of industry experience. His prior roles include positions at JP Morgan Chase Bank, Merrill, and Bank of America. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by firm-approved tools and comprehensive investment research.

Tabitha Balthasar Baguio is a financial advisor at Wells Fargo Clearing with two years of industry experience. She holds a Series 66 designation and has previously worked at Charles Schwab and ULTA Beauty. 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 roughly $671 billion in assets through a network of over 14,000 advisors.

Mark Martin is a CFP® with 41 years of industry experience, currently serving at Wells Fargo Clearing since 2016. He previously worked at Wells Fargo Advisors LLC from 2009 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 investment approach 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.

Vivek Patel is a financial advisor at Morgan Stanley with seven years of industry experience. He holds the Series 63 and Series 66 licenses. Prior to joining Morgan Stanley in 2026, he worked at J.P. Morgan Securities and First Republic Securities Company, LLC. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and market outcome models in its advisory process.

Michael Weintraub is a Series 63-licensed advisor with over 56 years of experience, currently affiliated with OSAIC. His career includes roles at Ascension Benefits & Insurance Solutions since 2010, NWF Advisory Services, Inc. since 2009, and Royal Alliance Associates, Inc. since 1994. He serves on the board of the Diablo Regional Arts Association, a local Center for the Arts. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, employing asset-allocation tools and third-party platforms to manage portfolios that can include a range of investment products.

Diane Parker is a financial advisor at Cetera with four years of industry experience. She holds Series 63 and Series 66 licenses and has been associated with Cetera and its affiliates since 2023. In addition to her advisory work, Parker owns a pet sitting business that provides in-home care for clients' pets. Cetera Investment Advisers LLC operates a multi-manager platform serving a wide range of clients, including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers diverse portfolio management options and financial planning services through a large nationwide network of independent advisors.