Joseph Mckissack is a financial advisor with Charles Schwab in Pleasanton, CA, holding Series 63 and Series 65 credentials and 24 years of industry experience. He has been with Charles Schwab and Charles Schwab Bank Ssb since 2008. 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 discretionary separately managed accounts and offers multi-asset model portfolios supported by research from the Schwab Center for Financial Research.

Samantha Balboni is a financial advisor with Osaic, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. She spent three decades with Lincoln Financial Advisors Corporation before joining Osaic in 2025. Outside of advising, she volunteers as a Veteran’s Coordinator with the Elks Lodge, assisting formerly homeless veterans in furnishing their homes. Osaic Wealth, Inc. serves a diverse client base, including individual and institutional investors, offering integrated brokerage and advisory services through a large network of affiliated advisers. The firm employs asset-allocation tools, risk assessments, and automated rebalancing to manage portfolios that may include a range of securities across discretionary and non-discretionary accounts.

Rosalyn Antonio is a financial advisor with Edward Jones in Castro Valley, CA, holding the CFP®, ChFC®, and Series 66 credentials. She has 10 years of industry experience and has been with Edward Jones since 2015. Outside of her advisory role, she serves as president of the WMMS Music Boosters in San Leandro, coordinating projects and communications with families and the music director. Edward Jones is a full-service wealth management firm serving individual and institutional clients, with over $1 trillion in assets under management supported by more than 23,700 advisors nationwide. The firm offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Germaine Cordes is a financial advisor with OSAIC, holding the ChFC® designation and Series 66 license, and has 24 years of industry experience. She has worked at OSAIC since 2024 and previously spent eight years at Securities America Advisors, Inc. Outside of advisory work, she is a notary and provides business consultation services through Lifetime Capital Financial Group. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a range of brokerage and advisory services, utilizing various investment platforms and tools to construct diversified portfolios across multiple asset classes.

Liming Zhang is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and six years of industry experience. Prior to joining J.P. Morgan in 2020, Zhang worked at Citibank for three years and at Qiaoli Hu CPA for one year. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing quantitative asset-allocation models and a centralized due diligence process. The firm incorporates an ESG eligibility framework in its recommendations and operates within the broader J.P. Morgan broker-dealer and banking organization.

Roberto Santos is a financial advisor at Fidelity with 25 years of industry experience. He holds a Series 66 designation and has worked in various roles within Fidelity, including Fidelity Brokerage Services LLC since 2000 and Fidelity Personal and Workplace Advisors since 2018. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, using a process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm engages in discretionary and non-discretionary advisory work, manages fund-of-funds structures, and employs systematic methodologies with oversight controls to address conflicts of interest.

Neil Hunter Smith is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds Series 63 and Series 65 licenses and has three years of industry experience. Prior to joining Raymond James, he worked at NYLIFE Securities LLC and New York Life Insurance Company. Outside of finance, he previously managed entrepreneurial ventures including Lightning Fit and Urban Golf Performance. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual and institutional clients. The firm offers tailored, non-discretionary planning and utilizes analytical tools to model potential outcomes, supporting implementation through advisory programs or other providers.

Michael Thomas is a financial advisor with J.P. Morgan Securities and holds Series 63 and Series 66 licenses. He has five years of industry experience, including prior roles at Carmax and FedEx. Outside of his advisory work, he is involved in real estate investing as an owner and partner. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering asset-allocation advice, manager searches, and customized performance reporting through a non-discretionary process that incorporates quantitative modeling and ESG considerations.

Prabhleen Kaur Dhanda is a financial advisor at Charles Schwab with one year of industry experience. She holds the Series 66 designation and has worked at several financial institutions, including Wells Fargo Bank, Bank of America, and Merrill Lynch. Charles Schwab & Co., Inc. serves a large client base primarily consisting of 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 and alternative investment options.

Kristopher Watts is a financial advisor at Morgan Stanley with 11 years of industry experience. He holds Series 63 and Series 65 licenses and has been associated with Morgan Stanley Private Bank and Morgan Stanley since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a broad range of advisory programs, including tailored financial planning using structured processes and approved analytical tools.

Michael Tate is a CFP® with 39 years of industry experience, currently affiliated with Cetera. His prior roles include positions at OSAIC, Woodbury Financial Services, Bay Area Wealth Management Group LLC, and several other financial firms. He is an officer of Bay Area Wealth Management Group LLC, where he has been involved in financial planning and wealth management since 2019. Cetera Investment Advisers LLC is a nationwide network of independent advisors serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and consulting services through multiple program structures and a mix of discretionary and non-discretionary authorities.

Patrick Phillips is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and possessing 14 years of industry experience. His prior roles include positions at Bank of America, N.A. and Merrill. Outside of his advisory work, he is a business owner of Whiskey Riot LLC, a non-investment-related venture based in Sacramento. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory services, utilizing various model portfolios, research resources, and technology-driven approaches.

Ravi Shah is a Certified Financial Planner (CFP®) with 13 years of industry experience. He is currently with Morgan Stanley, having previously worked at Wells Fargo Clearing and Wells Fargo Advisors. His background includes roles at both Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC. Morgan Stanley Wealth Management provides advisory services and tailored financial planning to individuals and institutional clients, managing approximately $2.74 trillion in client assets through a range of programs and planning tools.

Thomas Kennedy is a financial advisor at Wells Fargo Clearing with 35 years of industry experience. He holds the Series 66 designation and has been with Wells Fargo Clearing since 2016, following a year at Wells Fargo Advisors, LLC. 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 advice. The firm’s approach is driven by investment policy statements and modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in its investment offerings.

Jeffrey Hanson is a Senior Financial Advisor with Merrill Lynch Wealth Management. Since joining Merrill in 1990, he has focused on providing clients with personalized wealth management strategies tailored to their individual financial goals. Jeff combines decades of experience as a portfolio manager with his commitment to building enduring client relationships through customized investment advisory solutions and outstanding guidance. With over 30 years in the financial industry, Jeff has been an advocate of individualized portfolio management. Early in his career, he participated in Merrill Consults and became one of the first portfolio managers for the firm's investment advisory program. His expertise spans personal retirement planning, portfolio management services, and retirement income strategies. Jeff holds the Personal Investment Advisor (PIA) designation and earned his high school diploma from West Bend East High School. Beyond his professional role, Jeff is active in his community. He has served as Toastmaster’s Club President, participated in Kiwanis and Rotary, and contributed to the Catholic church. He has coached youth sports teams, volunteered with Boy Scouts and Girl Scouts, and supported the Blue Devils Drum and Bugle Corps. In his personal time, Jeff enjoys adventure sports, biking, running marathons, skiing, and swimming.

Andrew De La Vega is a Financial Consultant at Fidelity Investments, where he has been serving clients since 2026. Prior to this role, he held several positions within Fidelity Investments, including Investment Consultant (2025-2026), Planning Consultant (2023-2025), and Relationship Manager (2022-2023). Before joining Fidelity, Andrew worked as a Registered Representative conducting financial education workshops from 2020 to 2022. Andrew's professional approach focuses on helping clients prepare for major life events by understanding their goals and developing future plans. He emphasizes providing clients with realistic next steps, conducting regular check-ins, and maintaining a genuine interest in their financial objectives. He holds a California Insurance License. Outside of his professional work, Andrew enjoys board games, exploring culinary experiences, and attending theater performances.

David Chase is a financial advisor at Castlewood Financial Advisors, LLC with 21 years of industry experience. He holds a Series 66 designation and has held roles outside of finance, including senior director of planning at Amtrak, where he was involved in corporate budgeting and analysis. He has worked at Castlewood Financial Advisors since 2008 and has prior experience at Amtrak, Central Garden and Pet, and Lucy Pet Foods. Castlewood Financial Advisors primarily serves pooled investment vehicles and institutional clients, focusing on managing institutional mandates and portfolios. The firm combines asset-based and occasional hourly billing and operates with a structure tailored to institutional governance and pooled-vehicle administration.

Gilbert Kuo is a financial advisor with Kun Lun Development Corporation in Danville, CA, holding Series 63 and Series 65 designations and 31 years of industry experience. He has been with Kun Lun Development Corporation since 1995. Kun Lun Development Corporation primarily serves high-net-worth individuals, offering discretionary investment supervisory services, portfolio management, and investment consultations. The firm is notable for its performance-based fee arrangements, market-timing service, and negotiable advisory program terms tailored to its concentrated client base.

Yeh Chwen Kuo is a financial advisor at Kun Lun Development Corporation with 20 years of industry experience. He holds a Series 66 designation and has been with Kun Lun Development Corporation since 2008. Kun Lun Development Corporation primarily serves high-net-worth individuals, offering discretionary portfolio management, investment supervision, and various advisory programs. The firm is notable for its focus on performance-based fee arrangements and a concentrated client base, providing services tailored specifically to high-net-worth clients.