Arlen Menicucci is a financial advisor at LPL Financial with 14 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with several firms including U.S. Bancorp Advisors, U.S. Bank, and Union Bank. 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 financial planning and advisory services, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Craig Bacharach is a financial advisor with Wells Fargo Advisors in Walnut Creek, CA, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. He has worked with Wells Fargo Advisors and Wells Fargo Clearing since 2009. Bacharach serves as a trustee for several family trusts. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser offering investment and financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services using proprietary research and tools, with flexible implementation options through brokerage or advisory programs.

Alexander Glasson is a financial advisor at J.P. Morgan Securities with a Series 66 credential and one year of industry experience. His prior background includes roles at Pioneer Venture Group and Techstars, as well as academic work at the University of Denver. J.P. Morgan Securities 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 large team of Wealth Advisors. The firm combines institutional advisory operations with brokerage and investment management capabilities, delivering non-discretionary recommendations supported by an in-house manager solutions team and centralized due diligence.

Duncan Hong is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 14 years of industry experience. He has worked at Wells Fargo Advisors, LLC and Wells Fargo Clearing since 2014. Outside of his advisory role, he serves as a vote-by-mail extractor for the Contra Costa County Election Office and is a notary public in Napa, CA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans. The firm employs an IPS-driven advisory approach grounded in modern portfolio theory and offers a range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Yo Oh is a financial advisor at Merrill with a Series 66 credential and one year of industry experience. Yo has been associated with Merrill since 2019 and Bank of America since 2024. Outside of advising, Yo is involved with the Diablo Choral Artists and Trinity Lutheran Church, preparing and performing music, and owns an e-commerce drop shipping business as well as a vocal performance sole proprietorship. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, and institutional investors.

Bruce Meyers is a financial advisor with RBC Capital Markets in Walnut Creek, CA, holding Series 63 and Series 65 licenses and possessing 28 years of industry experience. He has worked with RBC Capital Markets since 2008 and with City National Bank since 2017. Outside of advising, he occasionally engages in freelance sports writing. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers multiple advisory programs with customizable investment strategies implemented through both in-house and third-party managers, supported by a range of portfolio management and financial planning services.

Michelle Pollak is a financial advisor with Ameriprise in Orinda, CA, holding a Series 66 designation and 24 years of industry experience. She has been with Ameriprise and its affiliated entities since 2005. Pollak serves on the Boards of Directors for the Sleepy Hollow Parents Club and Friends of Ruwenzori, dedicating several hours monthly to these community organizations. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations. The firm offers a broad range of advisory, brokerage, and insurance solutions through its institutional platform.

Teddy Ottens Seibert is a financial advisor with UBS Financial Services in Walnut Creek, CA, holding Series 63 and Series 65 credentials and bringing 23 years of industry experience. He has been with UBS since 2009. Outside of his advisory work, he is involved in vineyard maintenance and is a member of TwiningVine, a wine industry organization. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm integrates proprietary research and model-based asset allocations to tailor strategies to client goals and risk tolerances while offering institutional trading capabilities alongside wealth management.

Mark Kalinowski is a financial advisor at Fidelity with 12 years of industry experience. He holds the Series 66 designation and has been associated with various Fidelity entities since 2013. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm manages model portfolios composed of mutual funds, ETFs, and ETPs and serves as an advisor to multiple registered investment companies and fund-of-funds.

Raymond Lederer is a financial advisor with Merrill, holding Series 63 and Series 66 licenses and bringing 21 years of industry experience. He has worked at Merrill since 2008 and is also associated with Bank of America, N.A. since 2011. Outside of his advisory role, he teaches an Introduction to Business Survey course at Las Positas Community College. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Gerald Guintu is a financial advisor at OSAIC with 25 years of industry experience. He holds the CFP® designation along with Series 63 and Series 66 licenses. Prior to joining OSAIC in 2023, he spent 14 years at Sagepoint Financial, Inc. Outside of his primary advisory role, he owns DR Yachts LLC, which involves marketing charter services and vessel maintenance. OSAIC serves a wide range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and advisory services alongside financial planning and retirement consulting. The firm employs a variety of investment tools and platforms to construct diversified portfolios tailored to client preferences.

Carlina Phan is a financial advisor with LPL Financial in Walnut Creek, CA, holding Series 63 and Series 66 credentials and six years of industry experience. Her prior roles include positions at Patelco Credit Union, CUSO Financial Services, and Wells Fargo. She is also involved with Patelco Financial Solutions, a DBA related to her LPL business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a diverse client base, including individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a broad range of advisory programs, financial planning services, and retirement consulting supported by model portfolios and research from multiple sources.

Martin Warner is a Senior Financial Advisor with Merrill Lynch Wealth Management. He specializes in personalized wealth management strategies, helping clients pursue goals such as college education planning, liquidity management, managing new wealth, retirement planning and income, portfolio management, and individual and corporate investment strategies. Martin holds a Bachelor's Degree from Saint Mary's College of California and is designated as a Personal Investment Advisor (PIA). He supports clients by developing financial strategies tailored to their long-term objectives. Additionally, Martin maintains a commitment to community involvement through volunteer work with local organizations, reflecting the Merrill tradition of community participation.

Frederick Ferber is a financial advisor with Morgan Stanley in Walnut Creek, CA, holding Series 63 and Series 65 credentials and bringing 24 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2009 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and tailored financial planning, managing approximately $2.74 trillion in client assets.

Diego Andres Clavijo Arnez is a financial advisor at Ameriprise with a Series 66 designation and less than one year of industry experience. Prior to joining Ameriprise, he worked in various roles including positions at Grand Sierra Resort and Casino, Jackson's Hardware, and Banana Republic. Ameriprise provides retirement-income planning services primarily for individuals with significant investable assets, offering detailed recommendation reports on income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax efficiency analysis in its advisory approach and maintains a centralized team to deliver these services.

Ryan Minkin is a financial advisor at Merrill with a Series 66 designation and less than one year of industry experience. His prior work history includes roles at Bank of America, Golden 1 Credit Union, and various educational institutions. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Bobby Chung is a Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2018. Prior to this, he gained experience as a Senior Financial Consultant at TD Ameritrade from 2015 to 2018, and as a Financial Specialist at PNC from 2013 to 2015. Bobby works closely with clients to understand their financial goals and develops personalized strategies tailored to their unique needs. He holds a California Insurance License, which supports his ability to provide comprehensive financial and insurance guidance. Bobby emphasizes building lasting relationships with clients based on trust, integrity, and exceptional service, offering knowledgeable guidance and ongoing advice. Outside of his professional work, Bobby enjoys biking, participating in family activities, social events with friends, parenthood, and spending time with pets.

Thomas Fezler is a financial advisor at Ameriprise with 31 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Ameriprise since 2009. Outside of his advisory role, Fezler serves on the Board of Directors for Holy Spirit CYO and is involved with the Holy Spirit School Board’s Finance Committee. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning that focuses on dependable income sources and tax-aware withdrawal strategies. The firm’s retirement income service uses research and algorithmic tools to provide tailored recommendations within a defined investment universe.

Nathaniel Hurst is a financial advisor with Ameriprise in Walnut Creek, CA, holding a Series 66 designation and 19 years of industry experience. He has been with Ameriprise and its affiliated entity since 2014. Ameriprise offers retirement-income planning services primarily for individuals with significant investable assets, delivering tailored, research-driven recommendations that incorporate tax efficiency and Social Security strategies. The firm combines algorithmic tools with advisory oversight to produce non-discretionary retirement plans, focusing on clients who maintain assets within Ameriprise-managed accounts.

Micah Johnson is a financial advisor with LPL Financial in Danville, CA, holding a Series 66 designation and three years of industry experience. Prior to joining LPL Financial, he worked at Empire Pavers and Empire Medical. Outside of his advisory role, he has involvement in a for-profit reseller business. 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 provides financial planning, various advisory programs, retirement plan consulting, and brokerage services with discretionary and non-discretionary management options supported by research and model portfolios.