Edmund Pan is a financial advisor with Ameriprise in Danville, CA, holding a Series 66 designation and 22 years of industry experience. He has been with Ameriprise and its affiliate since 2009. Outside of his advisory role, he is involved in real estate ownership focused on multi-family properties. Ameriprise provides retirement-income planning services targeted at individuals nearing or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver annual, non-discretionary recommendations through a centralized consulting team. As a large institutional firm, Ameriprise offers a broad range of advisory, brokerage, and insurance solutions typical for its category.

Jeffrey Gustafik is a financial advisor at Wells Fargo Clearing with 42 years of industry experience. He holds Series 63 and Series 65 credentials and has worked with Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with options including discretionary plan-level investment selection and a broad range of financial products, including insurance-related vehicles and bank deposit sweep programs.

Lance Mantle is a financial advisor at Fidelity with 11 years of industry experience. He holds a Series 66 designation and has worked at Fidelity Investments since 2022, following prior roles at Wells Fargo Clearing and Wells Fargo Advisors, LLC. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors, through a combination of proprietary research, quantitative analysis, and algorithmic portfolio construction. The firm also serves as an advisor to multiple registered investment companies and develops model portfolios for intermediary platforms.

Dwain Jefferson is a financial advisor at J.P. Morgan Securities with seven years of industry experience. He holds Series 66 and Series 63 designations and has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2015, as well as at Bank of America from 2018 to 2024. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm’s approach combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies, delivering services on a non-discretionary basis.

Ashley De Benedetti is a financial advisor at Morgan Stanley with 16 years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley since 2018, following prior roles at Kestra Investment Services, LLC and Signator Investors Inc. 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 tailored financial planning using firm-approved tools and models, managing approximately $2.74 trillion in client assets.

Jill Guintu is a financial advisor at OSAIC with over 31 years of industry experience. She holds the CFP® designation along with Series 63 and Series 65 licenses. Prior to joining OSAIC in 2023, she worked for SagePoint Financial, Inc. for 14 years. Outside of her advisory role, she is involved in essential oil product consulting and owns a yacht marketing and maintenance business. OSAIC Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charities through a large network of financial advisors. The firm offers integrated brokerage and advisory services, utilizing firm-provided tools and third-party platforms to manage portfolios that include various asset types across discretionary and non-discretionary accounts.

Jesse Johannesen is a financial advisor with MassMutual Investors Services in Walnut Creek, California, holding Series 66 and Series 63 licenses and having 10 years of industry experience. His prior work includes roles at Technology Opportunity Partners and Cowen and Company. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning, asset management, and educational seminars, structuring planning engagements as annual, collaborative relationships using firm-approved analytical tools.

Asha Mendes is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and six years of industry experience. She has worked at Wells Fargo Bank, N.A. since 2016 and Wells Fargo Clearing since 2019. In addition to her advisory role, Mendes is a commissioned notary public in California. 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 incorporates modern portfolio theory, with notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Chris Millis is a financial advisor with Merrill in Walnut Creek, CA, holding Series 63 and Series 66 designations and bringing 31 years of industry experience. He has been with Merrill since 1999. 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 and profit-sharing plans, corporations, and charitable organizations.

Michael Olsen is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2016. He has over 20 years of experience working closely with clients and their families to help grow and protect their wealth, make well-informed investment decisions, and simplify their financial lives. Prior to his current role, he was Vice President at Fisher Investments from 2005 to 2016, and a Financial Adviser at American Express Financial Advisers from 2002 to 2005. Michael holds a California Insurance License, which supports his expertise in wealth planning and financial consulting. Outside of his professional work, he has personal interests that include beach activities, family activities, fitness, golf, parenthood, and traveling.

Michael Kinslow is a Wealth Management Advisor at Merrill Lynch Wealth Management. He focuses on providing comprehensive financial advice and wealth planning services to families, tailoring strategies to fit their unique ambitions and priorities. His expertise includes family wealth management strategies, liquidity management, personal retirement planning, portfolio management, individual and corporate investment strategy, and tax minimization. Michael holds an Associate's Degree from Diablo Valley College and has earned professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). He works closely with clients to create personalized plans that address goals such as funding education, planning for retirement and healthcare costs, and managing long-term family objectives. Outside of his professional role, Michael enjoys cooking, reading, traveling, watching movies, and spending quality time with his family, including his wife Michelle and their two daughters, Kylie and Addison.

Leslie Kollar is a financial advisor at Stifel with 11 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Merrill, RBC Capital Markets, J.P. Morgan Securities, and Jpmorgan Chase Bank before joining Stifel in 2023. Stifel serves a broad range of clients including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. The firm’s investment approach uses proprietary capital market assumptions and probabilistic modeling developed by its Investment Strategy Group to support client decision-making.

Jacob Schiller is a financial advisor at Wells Fargo Clearing with 9 years of industry experience. He holds Series 63 and Series 66 designations and has been with Wells Fargo entities since 2013. 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 services. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broader range of financial products such as insurance-related vehicles and bank deposit sweep options.

Ian McGee is a financial advisor at Ameriprise with nine years of industry experience. He holds the Series 66 designation and has been with Ameriprise since 2020, following 15 years at Ameriprise Financial Services, Inc. in Walnut Creek, CA. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement who meet specific asset criteria. The firm combines research, modeling, and tax-efficiency analysis to provide tailored, written recommendations delivered through a centralized consulting team.

Charles Noriega is a financial advisor with Mass Mutual Investors Services in Walnut Creek, CA, holding Series 65 and Series 63 licenses and having nine years of industry experience. He previously worked at Mutual of Omaha Investor Services and Mutual of Omaha Insurance Company for nearly a decade. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, using firm-approved tools to deliver written recommendations in collaborative annual engagements.

Jennifer Kwock Lau is a financial advisor with Ameriprise in Oakland, CA, holding a Series 66 designation and 23 years of industry experience. She has been with Ameriprise and its related entities since 2005. Outside of her advisory role, she serves on the Board of Directors for the Festival Opera and is the East Bay Vice President for the UCLA Alumni Association San Francisco Bay Area Network. Ameriprise provides retirement-income planning services aimed at individuals nearing or in retirement with significant investable assets. The firm uses a centralized consulting team to deliver non-discretionary, research-driven recommendations that include income sources, Social Security options, and tax-efficient withdrawal strategies.

Francesco Jones is a financial advisor at Merrill with 14 years of experience at the firm and a total of 10 years in the industry. He holds a Series 66 designation and has worked at Bank of America, N.A. since 2016. 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 strategies from internal Chief Investment Office teams and third-party style managers, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

James Dyer is a financial advisor at Merrill with 51 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Merrill since 1993, as well as at Bank of America, N.A. since 2011. Merrill, along 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.

Kevin Wilson is a financial advisor at Cetera with 18 years of industry experience and holds a Series 66 designation. Prior to joining Cetera in 2023, he worked at Voya Financial Advisors for seven years and has also been involved in entrepreneurial ventures, including Proclaim Promotions from 2000 to 2021. He is licensed as an independent insurance agent and has experience managing properties through his role at 2727 Alamo Court, LLC. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients, including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers portfolio management, financial planning, and access to multiple investment programs through a large network of independent advisors.

Brendan Stone is a financial advisor with LPL Financial in Walnut Creek, CA, holding a Series 66 designation and seven years of industry experience. His prior work includes roles at Fremont Bank, Bank of America, Merrill, and Allen Lund Company. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement consulting, and brokerage services, with investment management supported by LPL Research and third-party subadvisors.