Nickolas Prieto is a financial advisor at UBS Financial Services with 10 years of industry experience. He holds Series 65 and Series 63 designations and has previously worked at Osborne Partners Capital Management and Brouwer & Janachowski. He has been with UBS since 2019. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm uses proprietary research and model-based asset allocations to tailor plans according to clients’ goals and risk tolerances.

Logan Marts is a financial advisor at Osaic Wealth with two years of industry experience. He holds Series 66 and Series 63 licenses and previously worked at Fidelity Investments. His background includes roles outside finance, such as positions at Amazon and in interpreting services. Osaic Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a broad range of brokerage and advisory services with an investment approach centered on model-based asset allocation, portfolio optimization, and multi-advisor platform solutions.

Stephan Choulos is a financial advisor with LPL Financial in Walnut Creek, CA, holding a Series 66 designation and bringing 27 years of industry experience. His prior firms include Raymond James & Associates, Howe Barnes Capital Management, and Merrill. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services including financial planning, model portfolio programs, and institutional platforms, supported by a large network of investment adviser representatives.

Jacquelyn Hernandez is a Series 66-licensed financial advisor with Merrill in Walnut Creek, CA, with 19 years of industry experience. She previously worked at Wells Fargo Clearing and Wells Fargo Bank, N.A. Hernandez serves as a board member for Benicia Youth Football, a community youth sports organization. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions.

Premnauth Persaud is a financial advisor with LPL Financial in Concord, CA, holding Series 63 and Series 66 credentials and 22 years of industry experience. His prior roles include positions at Morgan Stanley and Bank of America. He also serves as a Senior Premier Relationship Manager with BMO Investment Services. 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 financial planning and investment management services utilizing both proprietary and third-party strategies across multiple account types.

Michael Martin is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and 26 years of industry experience. He has worked at Cetera since 2021 and previously held positions at Wells Fargo Clearing, U.S. Bancorp Investments, Inc., and Wamu Investments, Inc. In addition to his advisory role, he is an insurance agent selling life, health, annuities, and long-term care products. Cetera Investment Advisers LLC serves a broad client base, including individuals, 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 access to various investment strategies and third-party managers.

Darius Bahador serves as a Client Experience Advisor at Merrill Lynch Wealth Management. In this role, he works closely with clients to understand their current financial situations and introduce them to suitable solutions available through Merrill and Bank of America. His approach involves getting to know clients personally to develop strategies that align with their financial goals. Darius has expertise in general investing, retirement planning, and saving for unexpected events. He holds professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). He earned a Bachelor's Degree from McMaster University. He emphasizes ongoing advice and guidance, adapting to clients' evolving needs to help them pursue their financial objectives effectively.

Ian Longtin is a financial advisor at Ameriprise with eight years of industry experience. He holds a Series 66 designation and has been with Ameriprise since 2017, including a prior role at Ameriprise Financial Services, Inc. Outside of his advisory work, Ian serves on the Board of Directors for Berean Christian High School and engages in public speaking and consulting for local groups, churches, and schools. Ameriprise provides retirement-income planning services targeted at individuals approaching or in retirement, with a focus on clients who meet specific asset thresholds. The firm offers a range of advisory, brokerage, and insurance solutions, utilizing a centralized retirement-income consulting team that employs both research and algorithmic tools to produce tailored, non-discretionary recommendations.

Darren Riley is a financial advisor at Morgan Stanley with nine years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Smith Barney LLC since 2013, with a brief period at Merrill from 2021 to 2022. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs including tailored financial planning supported by firm-approved tools and methodology. The firm manages approximately $2.74 trillion in client assets and offers services through both direct and corporate financial planning arrangements.

Arnel Tecson is a Series 66 credentialed financial advisor with LPL Financial in San Ramon, CA, where he has worked since 2007, totaling 19 years of industry experience. Outside of his advisory role, he has been involved in a real estate rental business in Keller, Texas. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions, offering a broad range of financial planning and asset management services through a large network of investment adviser representatives.

Frank Abigana is a financial advisor with Cetera who holds Series 63 and Series 65 licenses and has 15 years of industry experience. He is also the owner and president of Frank Raymond Inc., a tax and financial services company that provides tax preparation, planning, bookkeeping, tax problem resolution, and business consulting. Abigana has worked at several firms including Avantax and currently operates his own financial services business alongside his role at Cetera. Cetera Investment Advisers LLC is an SEC-registered adviser that serves individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of over 10,000 independent advisors. The firm offers a multi-manager platform with flexible portfolio management solutions, including model portfolios, third-party managers, and bespoke strategies across various program structures and custodial relationships.

Kyle Ashcraft is a financial advisor with Wells Fargo Clearing, holding a Series 66 license and four years of industry experience. His career includes multiple terms at Wells Fargo Clearing and Edward Jones. 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 approximately $671 billion in assets with over 14,000 financial advisors.

Ian Lee is a financial advisor at Cetera with 33 years of industry experience. He holds a Series 63 license and has been with Cetera and its related entities since 2013. Outside of his advisory role, Lee serves on the investment committee for the Walnut Creek Presbyterian Church Foundation and is a member of the stewardship committee at Walnut Creek Presbyterian Church. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of advisors. The firm offers a range of portfolio management and financial planning services with access to various program platforms and third-party managers.

Allison Schwarz is a Certified Financial Planner (CFP®) with five years of industry experience. She is currently with Wells Fargo Clearing and previously worked at Russell Investments Implementation Services, LLC and Penserra Securities. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions utilizing research from Wells Fargo Investment Institute and third-party sources.

Steven Polaski is a CFP® professional with 25 years of industry experience, currently advising at Cetera since 2023. He previously spent 18 years at Summit Financial Group Inc. and three years working with Livermore High School. Polaski is also a licensed insurance agent and occasionally places policies through approved companies. Cetera Investment Advisers LLC is an SEC-registered firm that serves a diverse client base including individuals, 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 access to both affiliated and third-party managers.

Radhika Srinivasan is a financial advisor at Charles Schwab with 18 years of industry experience. She holds the Series 66 designation and previously worked at Wells Fargo Bank and Wells Fargo Clearing. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm provides a combination of non-discretionary and discretionary investment management with centralized custody and operational support.

Norman Ng is a financial advisor with Morgan Stanley in Walnut Creek, CA, holding Series 63 and Series 65 licenses and having 31 years of industry experience. He has been with Morgan Stanley since 2015 and joined Morgan Stanley Private Bank, N.A. in 2025. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools including Global Investment Committee’s Secular Return Estimates and Monte Carlo simulations to model financial outcomes.

Griffin Turner is a financial advisor at UBS Financial Services with a Series 66 designation and one year of experience. His career includes roles at Morgan Stanley and teaching positions at several universities and a high school. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory services, employing proprietary capital market assumptions and research to tailor plans based on clients’ goals and risk tolerances. The firm combines institutional trading capabilities with wealth management services and offers a broad range of financial products and advisory solutions.

George Arrivas is a financial advisor at Edward Jones with 11 years of industry experience. He holds Series 63 and Series 66 registrations and has previously worked at Bank of America, Merrill, and earlier at Edward Jones. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

James Smith is a financial advisor with J.P. Morgan Securities in San Ramon, CA, holding Series 63 and Series 66 licenses and bringing 14 years of industry experience. He has been with J.P. Morgan Securities since 2012 and has a 15-year tenure with JPMorgan Chase Bank, N.A. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a specialized Wealth Advisor program. The firm focuses on written asset allocation advice, investment manager and fund searches, and customized performance reporting, supported by centralized due diligence and a combination of quantitative and qualitative research.