Ronald Sanchez is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 27 years of industry experience. His prior roles include positions at Commonwealth Financial Network, Mass Mutual Investors Services, Metlife Securities, Inc., and Metropolitan Life Insurance Company. He is also the owner and president of Viewpoint Financial Network Corporation, an entity engaged in securities, advisory, and insurance business. 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, with advice delivered primarily by investment adviser representatives using various strategic and tactical investment options.

William Peters Jr. is a financial advisor at Morgan Stanley with 32 years of industry experience. He holds the Series 63 and Series 66 designations and has worked at Morgan Stanley Private Bank, N.A. since 2015 and at Morgan Stanley Smith Barney LLC 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 tailored financial planning that utilizes structured discovery and firm-approved tools to model outcomes, managing approximately $2.74 trillion in client assets.

Jessica Tufte is a financial advisor at Cetera with 14 years of industry experience and holds the Series 66 designation. Her prior roles include positions at Ameriprise Financial Services and Craft and Fire Taproom, as well as a registered administrative assistant role at Rosenblatt Advisors. She is also a commissioned notary public. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform with both discretionary and non-discretionary program options.

Niraj Baxi is a financial advisor at OSAIC based in Lafayette, CA, holding the ChFC® designation and Series 63 license with 41 years of industry experience. He previously worked at Signator Investors Inc for 10 years and Royal Alliance Associates, INC. for 8 years. In addition to his advisory role, Baxi owns a sole proprietorship involved in insurance and financial services, focusing on client solicitation and maintenance. OSAIC Wealth serves a diverse mix of retail and institutional clients through a multi-advisor platform that offers brokerage and advisory services including financial planning, managed portfolios, Unified Managed Accounts, and retirement plan consulting. The firm’s investment process emphasizes model-based asset allocation and portfolio optimization, supported by various tools and strategies, and is notable for its scale, affiliate network, and private-equity ownership.

Yvonne Gray is a financial advisor at Morgan Stanley with 32 years of industry experience. She has been with Morgan Stanley since 2009 and previously worked at Citigroup Global Markets from 2000 to 2009. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by structured discovery processes and firm-approved planning tools.

Margret Nasry is a financial advisor at Merrill with one year of industry experience. She holds a Series 66 designation and has worked previously at Bank of America, N.A., Plastikon Industries Inc, Lenme Inc, and Orange Telecommunication. 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.

Robert Bowen is a financial advisor at OSAIC with 31 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Executive Incentive Programs, Inc. and Woodbury Financial Services. Outside of his advisory role, he is an employee benefits and insurance agent specializing in life, health, disability, and employee benefits. OSAIC Wealth serves a diverse client base, including retail and institutional investors, through a multi-advisor platform that provides brokerage and advisory services. The firm’s investment approach features model-based asset allocation, portfolio optimization, and offers various managed account programs and retirement plan consulting.

Pamela Thalund is Vice President and Wealth Planner at Fidelity Investments, a position she has held since 2021. In this role, she utilizes her extensive experience in financial services to assist clients in developing and maintaining personalized financial plans aimed at achieving their unique goals. Her career in the financial industry spans several decades, including roles such as Financial Consultant at Fidelity Investments from 2012 to 2021, Senior Manager at TD Ameritrade Institutional from 2008 to 2012, and various leadership positions at TD Waterhouse and Waterhouse Securities dating back to 1992. Pamela holds a California Insurance License, supporting her ability to provide comprehensive financial advice. Pamela emphasizes building personal relationships with clients to understand their individual situations and collaborates with them to implement strategies and investments tailored to their needs.

Robert Oconnor is a financial advisor with LPL Financial holding a Series 66 designation and beginning his advisory career in 2026. His prior work experience includes roles at TikTok and several educational institutions. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions through a broad network of investment adviser representatives. The firm offers a range of advisory and brokerage services, including financial planning and access to model portfolios, third-party asset management, and institutional platforms.

Allison Bordeaux is a financial advisor with Morgan Stanley in Pleasanton, CA, holding a Series 66 designation and one year of industry experience. Prior to joining Morgan Stanley, she worked at Northrop Grumman and Meta Platforms, Inc. She also has professional experience at Deloitte. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning and estate planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process that utilizes firm-approved tools and conservative modeling techniques.

Michael Allard is a financial advisor with LPL Financial in Danville, CA, holding Series 63 and 65 licenses and bringing 33 years of industry experience. He has been with LPL Financial and its predecessor entities since 2005 and previously worked at National Planning Corporation from 2002 to 2005. Outside of his advisory role, he is involved with Calbay Investments, Inc., a non-variable insurance business. 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 broad range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Michael West is a CFP® with 40 years of industry experience, currently affiliated with Cetera Wealth Services, LLC. He has a long history in tax preparation and accounting, operating his own tax services business since 1996, and is involved in managing and investing in various rental properties. West also serves as president of Rich Island Inc, which operates a duck club. Cetera Investment Advisers LLC is an SEC-registered advisor serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a range of portfolio management and financial planning services, supporting both discretionary and non-discretionary account management.

Christina Guzman is a Series 66-licensed financial advisor with Morgan Stanley in Pleasanton, CA, bringing six years of industry experience. She has worked at Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2019. Outside of her advisory role, Christina is also a private yoga instructor. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and research.

Aracely Flores Chavez is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 designations and bringing nine years of industry experience. She has been with Wells Fargo Clearing Services LLC since 2017 and has been associated with Wells Fargo Bank NA since 2013. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Annalisa Chan is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 24 years of industry experience. Her career includes roles at Wells Fargo Investments, LLC and Banc of America Investment Services, Inc. She is based in Walnut Creek, California. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and brokerage solutions. The firm manages approximately $671 billion in assets and supports more than 14,000 financial advisors.

Donna Lee is currently a Planning Consultant at Fidelity Investments, a position she has held since 2023. Prior to this role, she served as a Financial Consultant and Investment Consultant at Fidelity Investments from 2016 to 2023. Donna has also worked as a Financial Solutions Advisor at Merrill Lynch from 2012 to 2016, and held financial advisor roles at Morgan Stanley Smith Barney and Merrill Lynch between 2008 and 2011. Her areas of focus include retirement planning, income protection, investment strategies, and legacy planning considerations. Donna holds a California Insurance License, supporting her expertise in these areas. Outside of her professional career, Donna enjoys cooking and baking, fitness, exploring food, gardening, and traveling.

Jacob Marquez is a financial advisor at Morgan Stanley with a Series 66 designation and three years of industry experience. Prior to joining Morgan Stanley, he worked at Oregon Health & Science University and held roles at Toyota of Gladstone and Oregon State University. Morgan Stanley Wealth Management offers advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm utilizes a structured planning process with firm-approved tools and provides a broad range of investment and financial services.

Marianah Cecchi is a financial advisor with Wells Fargo Clearing in Oakland, CA, holding a Series 66 designation and two years of industry experience. Her prior work experience includes roles at Bank of America, Merrill, Wells Fargo, and Amazon. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, including pension and charitable organizations. The firm offers a range of investment advisory services, financial planning, and retirement plan consulting, leveraging research from the Wells Fargo Investment Institute and applying diversification principles and modern portfolio theory in their investment approach.

Lindsay Romig is a financial advisor with Merrill in Walnut Creek, CA, holding Series 63 and Series 65 credentials and having 21 years of industry experience. Her prior roles include positions at Wells Fargo Clearing, First Republic Investment Management, and Morgan Stanley. Outside of her advisory work, she owns a recording music company and serves on the board of Open Floor International, a nonprofit focused on embodied movement and dance for emotional and community resilience. Merrill provides managed account services through its Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions, supported by internal and third-party managers.

Kathryn Romanczuk is a financial advisor with Wells Fargo Clearing in Walnut Creek, CA, holding Series 63 and Series 65 designations and bringing 39 years of industry experience. She previously worked at Wells Fargo Investments, LLC for 10 years before joining Wells Fargo Clearing in 2016. 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 provides brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party data.