Benjamin Horn is a financial advisor with Osaic, holding Series 63 and Series 65 licenses and bringing 19 years of industry experience. He previously worked at Lincoln Financial Advisors for 22 years before joining Osaic in 2025. In addition to his advisory role, Horn offers various insurance products including accident/health, disability, fixed/indexed annuities, long-term care, traditional life insurance, and Medicare supplement plans. Osaic Wealth, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, employing asset-allocation tools and risk assessments to manage portfolios across multiple asset classes with options for discretionary or non-discretionary management.

Yan Huang is a financial advisor with UBS Financial Services in Fremont, CA, holding a Series 66 designation and nine years of industry experience. He has been with UBS Financial Services Inc. since 2016. UBS Financial Services Inc. serves individual, corporate, and institutional clients by offering brokerage and investment advisory services, including fee-based 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 financial plans to clients’ goals and risk tolerances.

James Kuzmich is a financial advisor at Merrill with 21 years of industry experience. He holds the Series 66 designation and has been with Merrill since 2000. Outside of his advisory role, he is a general partner at Advanced Emergency Systems LLC, a company specializing in emergency services and response software, and serves as a Hospitality Ambassador for Ruby Hill Winery in Pleasanton, California. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services 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 institutions.

Triccia Bana is a financial advisor at Fidelity with two years of industry experience. She holds Series 63 and Series 66 licenses and has prior work experience at MarketCast and Phoenix Marketing International. Triccia works within Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to both retail and institutional clients. The firm employs a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary portfolios and model portfolios across mutual funds, ETFs, and ETPs.

Adam Nieto is a financial advisor with LPL Financial in Fremont, CA, holding Series 63 and Series 66 licenses and 31 years of industry experience. He has previously worked at Fremont Bank and DCN Wealth Management, where he was involved for eight years. Outside the financial sector, he is a business owner of CardBoom4 Collectors, a non-investment-related home-based enterprise. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a broad range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by tools like machine-learning for operational assistance.

Steven Gruber is a Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2015. Prior to this, he worked as an Investment Consultant at TD Ameritrade from 2010 to 2015 and began his career as a Junior Financial Advisor at Financial Foundations in 2008. Steven has nearly two decades of experience in financial planning and investment strategy, working closely with clients to develop personalized plans that address their unique goals, concerns, and risk tolerances. He emphasizes the importance of ongoing communication and adjustment of investment strategies in response to changing market conditions. He holds a California Insurance License. Outside of his professional work, Steven enjoys cooking and baking, family activities, fitness, golf, skiing, and tennis.

Brian Ingebretsen is a financial advisor with LPL Financial based in Danville, CA. He holds the Series 66 designation and has four years of industry experience. Prior to joining LPL Financial, he worked at Wells Fargo Clearing and Wells Fargo Bank, NA. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Mark Lewandowski is a Senior Financial Advisor with Merrill Lynch Wealth Management, where he has been providing financial advice and strategies for over 23 years. He collaborates closely with other specialists within Merrill Lynch Wealth Management and Bank of America to assist clients in preserving and growing their wealth across different market environments. Mark's work includes helping wineries with retirement planning and focuses on areas such as college education planning, liquidity management, personal retirement planning, tax minimization, and socially responsible investing. Mark holds a Bachelor of Science degree in Business Administration from John F. Kennedy University, graduating Magna Cum Laude. Additionally, he earned a Course Certification in Success from Wharton University of Pennsylvania through an online program. He is also recognized as a Personal Investment Advisor (PIA). Mark is active in several professional organizations, including the Dublin Chamber of Commerce, Pleasanton Chamber of Commerce, and the Italian Catholic Federation. Fluent in Polish and English, Mark engages in community involvement with organizations like Kids Against Hunger and Tri-Valley Haven. Outside of his professional work, he enjoys playing tennis, basketball, golf, coaching and watching soccer, collecting wine, traveling, and spending time with his family.

Dawn Burton is a financial advisor with Primerica Advisors in San Ramon, CA, holding Series 63 and Series 65 designations and bringing 42 years of industry experience. She has worked with Primerica Advisors since 1982 and Primerica Financial Services since 1991. In addition to advisory services, she is involved in the sale of investment-related products and receives compensation for referrals of home security and automation products through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and separately managed account options to individual and high-net-worth clients. The firm utilizes third-party asset managers and oversees model implementation with an operational model that includes percentage-based wrap fees and ongoing manager oversight.

Bill Houghton is a financial advisor at Wells Fargo Advisors with 42 years of industry experience. He holds Series 63 and Series 66 credentials and has previously worked at Morgan Stanley and Wells Fargo Clearing. Outside of his advisory role, he is a golf instructor based in Plano, Texas, and has part ownership in a family investment partnership. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services and integrates advisory solutions with other financial products and referral channels.

David Parker is a financial advisor with Edward Jones in Danville, CA, holding a Series 66 designation and over 15 years of industry experience. He has been with Edward Jones since 2010. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a range of advisory programs and investment strategies supported by a network of approximately 23,701 financial advisors and 15,121 branch offices nationwide.

Kym Zilk is a financial advisor at Fisher Investments with 22 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Fisher Investments since 2004. Fisher Investments serves a global mix of institutional and private clients, including pension plans, foundations, investment companies, and high-net-worth individuals, offering discretionary portfolio management across equity, fixed-income, and blended mandates. The firm employs a centralized Investment Policy Committee that uses quantitative and qualitative research to construct diversified portfolios and implements tax-aware strategies and defensive tactics to manage risk.

Charles Pound is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. His prior roles include positions at Vestor Capital Partners, Zacks Investment Management, TD Ameritrade, Wells Fargo, and Prudential Equity Group. He has been with LPL Financial since 2012. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network of representatives. The firm serves individuals, retirement plan participants, banks, trust companies, and other institutions, offering a variety of financial planning, asset management, and institutional platforms.

Dipanki Shah is a financial advisor at Wells Fargo Clearing with nine years of industry experience. He holds Series 63 and Series 65 designations and has been with Wells Fargo since 2013. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, 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 supported by research and analytics from Wells Fargo Investment Institute.

Salvador Fernandez Sandoval is a financial advisor at J.P. Morgan Securities with two years of industry experience. He holds Series 63 and Series 66 licenses. Prior to joining J.P. Morgan Securities, he worked at JPMC Bank NA, Bank of America, General Nutrition Center, and Big 5 Sporting Goods. 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 applying an ESG eligibility framework in its recommendations.

Qiaoyi Yu is a financial advisor at Charles Schwab with eight years of industry experience. She holds Series 63 and Series 66 designations and has previously worked at firms including J.P. Morgan Securities LLC and Farmers Financial Solutions. 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 a non-discretionary client relationship model with access to discretionary separate managed accounts, supported by multi-asset model portfolios and due diligence from the Schwab Center for Financial Research.

Alexander Lamont is a Financial Advisor at Merrill Lynch Wealth Management. In his role, he works one-on-one with clients to develop personalized financial strategies aimed at pursuing their long-term goals. He assists clients in managing their wealth by providing investment insights and access to banking and lending solutions through Bank of America. With a focus on helping clients handle various financial priorities, including home purchases, education savings, and healthcare planning, Alexander defines goals collaboratively and chooses portfolio strategies designed to achieve them. He offers ongoing advice and adapts portfolios as clients' situations evolve. Alexander holds a Bachelor's Degree from Saint Mary's College of California and carries the Personal Investment Advisor (PIA) designation.

Alexis Zulueta is a financial advisor at LPL Financial with 27 years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at UBS Financial Services and E.K. Riley Investments. Outside of his advisory role, he is a licensed insurance agent and a notary public. 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 advisory services including financial planning and access to model portfolios, with a notable scale of over 22,800 advisors and $819 billion in discretionary assets under management.

Ronni Andrews is a financial advisor at Morgan Stanley with 10 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Morgan Stanley Smith Barney LLC from 2015 to 2021 and again since 2022, with a one-year tenure at RBC Capital Markets in between. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm’s planning process uses structured discovery conversations and firm-approved tools but does not provide individual security recommendations as part of the standalone planning service.

Erin Escobar is a financial advisor with Fidelity Investments in San Ramon, CA, holding Series 63 and Series 65 licenses and four years of industry experience. Prior to joining Fidelity, she worked at Dibbler, Inc., Franklin Energy, Build It Green, and Digistream Investigations. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients, including an IRS-qualified Charitable Gift Fund and registered investment companies. The firm combines proprietary fundamental research with quantitative analysis and algorithmic portfolio construction, providing model portfolios that utilize mutual funds, ETFs, and ETPs through systematic methodologies and long-term asset allocation benchmarks.