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.

William Caddick Jr. is a financial advisor at Ameriprise with 20 years of industry experience. He holds a Series 66 designation and has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he has an investment-related interest in single-family real estate ownership. Ameriprise offers a retirement-income planning service tailored for individuals approaching or in retirement who meet specific asset criteria, providing detailed Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis, with a centralized consulting team supporting advisors in delivering customized, algorithm-assisted retirement income recommendations.

Shelby Buccellato is a financial advisor with Morgan Stanley in Orinda, CA, holding Series 63 and Series 65 designations and bringing 25 years of industry experience. She has been with Morgan Stanley since 2013. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a broad range of advisory programs to individuals and institutional clients. The firm provides tailored financial planning supported by structured discovery processes and firm-approved tools, managing approximately $2.74 trillion in client assets.

Don Willner is a financial advisor at OSAIC with 39 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at Woodbury Financial Services, Inc., Questar Asset Management, and Questar Capital Corporation. Outside of his advisory role, he conducts seminars focused on women's situational awareness and self-defense. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services using various asset-allocation tools and supports both discretionary and non-discretionary portfolio management.

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 and holds a Series 66 designation. Her prior work includes positions at Wells Fargo Bank, Wells Fargo Clearing, and Wells Fargo Advisors LLC. Charles Schwab serves a large client base primarily consisting of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering bundled advisory, brokerage, custody, and financial planning services. The firm combines a non-discretionary client relationship model with access to affiliated discretionary separately managed accounts and employs multi-asset model portfolios supported by research from the Schwab Center for Financial Research.

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 13 years of industry experience. He has worked with J.P. Morgan Securities since 2012 and has been affiliated with JPMorgan Chase Bank, N.A. since 2011. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Frederick Lewis is a financial advisor at OSAIC with five years of industry experience. He holds the Series 66 designation and previously worked at Lincoln Financial Advisors. Outside of advising, he is licensed to offer fixed insurance products, including fixed and indexed annuities, accident, health, disability, long-term care, and traditional life insurance. OSAIC serves a broad client base including retail and institutional investors, providing integrated brokerage and advisory services along with financial planning and managed account solutions. The firm employs various asset-allocation tools and third-party platforms to construct and manage diversified portfolios.

Majid Saber is a financial advisor at J.P. Morgan Securities with nine years of industry experience. He holds Series 63 and Series 65 licenses. His prior experience includes 13 years at Wells Fargo Bank, N.A., and he has been with J.P. Morgan Securities since 2026. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Benjamin Blake is a CFP® with nine years of industry experience, currently serving as a financial advisor at Edward Jones since 2016. He holds the Series 66 designation and is based in Oakland, CA. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including high-net-worth households and corporate clients. The firm manages approximately $1.01 trillion in assets under management and offers a range of advisory services, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Annie Reese is a CFP® with four years of industry experience, currently serving at Charles Schwab in Oakland, CA. Her prior work includes roles at TD Ameritrade and Charles Schwab Bank. Outside of finance, she has experience with Mercy Ships International and student activities at Texas A&M University. Charles Schwab & Co., Inc. serves a large client base, 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 provides integrated brokerage, custody, and cash-sweep services.

Robert Santos is a Series 66-licensed financial advisor with J.P. Morgan Securities, based in Dublin, CA, and has 15 years of industry experience. He has been with J.P. Morgan Securities LLC and J.P. Morgan Chase Bank, N.A. since 2014. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm delivers these services alongside affiliated brokerage, distribution, and investment management capabilities.

Scott Martinez is a financial advisor with Charles Schwab, holding Series 63 and Series 66 licenses and 18 years of industry experience. He has worked at Charles Schwab and Charles Schwab Bank SSB since 2011. Charles Schwab & Co., Inc. serves a large client base 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 discretionary separately managed accounts, offering a multi-asset model portfolio approach supported by in-house research and alternative investment options.

Rockne Schatz is a CFP® with 43 years of industry experience. He has worked at OSAIC since 2024 and previously held roles at Securities America Advisors and Capital Strategies & Investments, Inc. Schatz is also involved in assisting with the transition of his financial services company to Park Place Advisors. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations, offering a range of brokerage, advisory, and consulting services through a large network of affiliated advisers and multiple investment platforms.

Adam Ghinazzi is a financial advisor at Cetera with 18 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Cetera and Cetera Wealth Services since 2013. He is also affiliated with East Bay Financial Network, a financial services business. Cetera Investment Advisers LLC is an SEC-registered adviser serving individual and institutional clients through a large nationwide network of independent advisors. The firm offers a range of portfolio management, financial planning, and retirement services, utilizing a multi-manager platform that includes both affiliated and third-party managers.

Andrew Gall is a financial advisor with Morgan Stanley in Orinda, California, holding Series 63 and Series 65 licenses and possessing 26 years of industry experience. He previously worked at UBS Financial Services from 1999 to 2016 before joining Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC in 2016. Outside of his advisory role, he is the sole proprietor of Catalina Peak Properties, LLC, a real estate business. Morgan Stanley Wealth Management serves individual and institutional clients with a variety of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and modeling techniques.

Dominique Reyes is a financial advisor at J.P. Morgan Securities with three years of industry experience. They hold a Series 66 designation and have worked at J.P. Morgan Securities LLC and JPMorgan Chase Bank, N.A. since 2023. Prior to this, Reyes has diverse work experience including roles at Corebridge Financial, PAX Labs, Heylo LLC, and other companies. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework. The firm offers non-discretionary advisory services through a select group of Wealth Advisors.

Lary Fukunaga is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 12 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC and Wells Fargo Bank NA, where he has been employed since 1999. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and based on modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Christina York is a financial advisor at Charles Schwab with 15 years of industry experience. She holds the CFP®, ChFC®, and Series 66 designations. Prior to joining Charles Schwab and Charles Schwab Bank in 2018, she worked at Neuberger Berman LLC for five years. She currently serves on the homeowners association board for her condominium building. Charles Schwab 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 a wide range of investment guidance supported by centralized operational and custody infrastructure.