Daschel Grammer is a CFP® professional with seven years of industry experience, currently affiliated with Raymond James Financial in San Ramon, CA. He has held positions at firms including Summit Financial Group and Securian Financial Services Inc. Grammer serves as an independent contractor at Summit Financial Group through Raymond James. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individual, institutional, and charitable clients. The firm emphasizes tailored, non-discretionary planning and analytical tools to support client goals and maintains specialized offerings such as municipal advisory services and SIMPLE IRA Employer Advisory programs.

David Liebowitz is a financial advisor with UBS Financial Services in Danville, CA, holding a Series 63 designation and bringing 33 years of industry experience. He has worked at Bank of America and Merrill since 2010. Outside of his advisory role, he owns a vacation condo at Seascape Resort. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management and offers a broad range of products and services supported by proprietary research and trading platforms.

Munish Kaila is a Financial Advisor at Merrill Lynch Wealth Management. With over 20 years of experience in the financial services industry, he specializes in providing clients comprehensive advice focused on retirement planning, college education planning, philanthropic planning, portfolio management, small business strategies, and tax minimization. Munish works closely with clients and their families to help them achieve their specific financial goals and develop sound financial plans. He holds a Bachelor's Degree from the University of New Hampshire and is a Personal Investment Advisor (PIA). Munish’s approach centers on delivering a positive client experience and effectively addressing client needs. Outside of work, he enjoys basketball, golfing, hiking, and spending time with his family.

Kelsey Wheaton is the Vice President and Branch Leader at Fidelity Investments, overseeing the Dublin branch. In this role, she leads a team of Financial Professionals to provide client services and support their professional development. Kelsey has been with Fidelity Investments since 2015, progressing through various roles including Financial Representative, Relationship Manager, Senior Relationship Manager, Financial Consultant, and Assistant Branch Leader before her current position. Prior to Fidelity, she worked as a Flagship Client Service Associate at The Vanguard Group. She holds a California Insurance License.

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.

Mc Rae Grace is a financial advisor at Charles Schwab with a Series 66 designation and two years of industry experience. Prior to joining Charles Schwab, Grace worked at Equitable Advisors for two years and has a varied background including roles outside of finance. 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, combining non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts.

Kimberly Damiani is a Certified Financial Planner® with 14 years of industry experience, currently serving as a financial advisor at Raymond James Financial Services Advisors, Inc. She has worked at Raymond James since 2023 and previously held roles at Summit Financial Group and Securian Financial Services. Damiani serves on the board and investment committee of the Three Valleys Community Foundation, contributing to the foundation’s investment oversight. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, and institutional investors. The firm offers non-discretionary planning tailored to client goals, supported by analytical tools and a range of advisory programs.

Jaime Fukumae is a CFP®-certified financial advisor with 28 years of industry experience, currently with Cambridge Investment Research Advisors. He has previously worked at LPL Financial and operates his own CPA practice and insurance agency. Fukumae also serves as a board member of the East Bay Youth Athletic League. Cambridge Investment Research Advisors is a large SEC-registered firm that serves a diverse client base, including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through independent Financial Professionals using a variety of portfolio management strategies and custody platforms.

William Finnegan is a financial advisor with OSAIC based in Lafayette, CA, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. He has worked with Royal Alliance Associates since 2018, previously was with SII from 2016 to 2018, and has been associated with Double Diamond Financial since 2004. Outside of his advisory roles, he is an assistant boys' basketball coach at a high school in Oceanside, CA. OSAIC serves a diverse range of clients, including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations, through a large network of financial advisers. The firm offers integrated brokerage and advisory services with various portfolio management tools and supports multiple advisory platforms and third-party solutions.

Tracy Parker is a financial advisor at Merrill with 29 years of industry experience. She has held her position at Merrill since 1996 and holds Series 63 and Series 65 credentials. Outside of her advisory role, she manages a family-run LLC that holds cellular site properties. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations, offering model-based and discretionary investment strategies.

Brandon Harper is a financial advisor at Wells Fargo Clearing with 18 years of industry experience. He holds Series 63 and Series 66 credentials and previously worked at JPMorgan Chase Bank and J.P. Morgan Securities for 10 years. Outside of his advisory role, he owns a private rental property. 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 roughly $671 billion in assets and combines brokerage and advisory solutions supported by research from Wells Fargo Investment Institute.

Richard Scarpitti is a financial advisor with Charles Schwab, holding a Series 66 designation and 19 years of industry experience. His prior roles include positions at TD Ameritrade Investment Management, Scottrade, Inc., and Commonwealth Financial Network. He is currently based in Pleasanton, CA. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering both non-discretionary and discretionary investment options. The firm combines advisory, brokerage, custody, and cash-sweep services within an integrated operational structure.

Alan Torrey is a financial advisor at Ameriprise with 31 years of industry experience. He holds Series 63 and Series 65 designations and has been with Ameriprise since 2008. Torrey operates an S-Corp for managing his franchise expenses. Ameriprise provides retirement-income planning services primarily for clients with significant investable assets, combining research, modeling, and tax-efficient strategies to deliver tailored recommendations through a centralized consulting team.

Haiwen Ye is a financial advisor at Merrill with seven years of industry experience and holds a Series 66 designation. Ye’s career includes roles at Bank of America, N.A., Merrill, and Citigroup. 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.

Rodolfo Duran Chavez is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 22 years of industry experience. He has worked at Wells Fargo Clearing since 2016, following seven years 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 non-discretionary and discretionary investment advisory services grounded in modern portfolio theory. The firm’s approach includes a broad range of financial product offerings such as insurance-related vehicles and bank deposit sweep options.

Kimberly Rosati is a Vice President, Wealth Planner at Fidelity Investments, a position she has held since 2013. In this role, she works with multiple generations of families to develop personalized wealth strategies focused on growth, preservation, and wealth transfer. She aims to build long-term relationships and assist clients in achieving their wealth planning and legacy objectives. Her professional experience is centered around wealth planning, where she leverages her expertise to help clients navigate complex financial decisions. Kimberly holds a California Insurance License, which supports her work in providing comprehensive financial advice.

Roosevelt Kirk is a financial advisor at Wells Fargo Clearing with five years of industry experience. He holds a Series 66 designation and has previously worked at Edward Jones, Loomis Sayles, and Assetmark Financial Inc. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advice. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broader set of investment options than typical institutional advisers, such as insurance-related vehicles and bank deposit sweep programs.

Steven Ravlin is a CFP® with four years of experience in the financial services industry. He is currently affiliated with LPL Financial and Nuvision Credit Union, having previously worked at Consilium Wealth Management, Echo45 Advisors, Fidelity Investments, and Oregon State Credit Union. 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, and retirement plan consulting, combining proprietary research and third-party model portfolios with discretionary and non-discretionary management.

Joseph Corner is a financial advisor with Cetera in Walnut Creek, CA, holding Series 63 and Series 65 licenses and bringing 11 years of industry experience. He has worked with Cetera since 2019 and previously spent three years at Foresters Financial Services. Outside of advising, he assists with office work at Leidig Draper Properties, a commercial real estate company owned by his grandfather. Cetera Investment Advisers LLC is an SEC-registered adviser providing services through a nationwide network of independent advisors to individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services, featuring a multi-manager platform and access to various third-party and affiliated investment managers.

Kaylie Varner is a financial advisor at Charles Schwab with four years of industry experience. She holds a Series 66 designation and has worked at Charles Schwab and Co., Inc. since 2022, following prior roles at Charles Schwab Bank and TD Ameritrade. 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 offers a combination of non-discretionary and discretionary investment management solutions supported by multi-asset model portfolios and a centralized operational structure.