Casey Pena is a financial advisor at Cetera with 23 years of industry experience. He has held positions at Cetera since 2019 and previously worked at Foresters Financial Services from 2011 to 2019. He holds Series 63 and Series 66 designations. Cetera Investment Advisers LLC serves individual and institutional clients through a nationwide network of independent advisors. The firm offers a variety of portfolio management and retirement services, utilizing a multi-manager platform that includes both affiliated and third-party managers.

Joshua Wulkan is a financial advisor at Edward Jones with 7 years of industry experience. He holds a Series 66 designation and has been with Edward Jones since 2019. Prior to joining Edward Jones, he worked at Greg Morris Cards, Inc. and spent 15 years at Huggins and Scott Auctions. Edward Jones is a wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

Sally Louie is a financial advisor with LPL Financial in Vallejo, CA, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. She has worked at LPL Financial since 2007 and has concurrently been affiliated with The Golden 1 Credit Union since 2006. Outside of her advisory work, she serves as a nonprofit board member and foster mom for the Contra Costa SPCA. LPL Financial is a national SEC-registered investment adviser and broker‑dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management with access to research, model portfolios, and various investment strategies.

Kevin Dommes is a financial advisor with UBS Financial Services in Walnut Creek, CA, holding a Series 66 designation and 12 years of industry experience. He has been with UBS Financial Services and UBS Bank USA since 2016. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, leveraging proprietary research and a broad range of capital markets and banking products.

Brian Asher is a financial advisor with Morgan Stanley in Richmond, CA, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. He has been with Morgan Stanley since 2009, including a role at Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory role, he serves as a trustee for a trust based in San Francisco. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering advisory programs to individuals and institutional clients, including tailored financial planning services. 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.

Zachary Unger is a financial advisor with Merrill, holding a Series 66 designation and five years of industry experience. He has worked at Merrill and Bank of America since 2020 and previously held roles at Pacific Premier Bank, Cal Poly Corporation, and California Polytechnic University San Luis Obispo. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a diverse client base that includes individuals, high-net-worth clients, and institutional fiduciaries.

Sean Parks is a financial advisor with Morgan Stanley in Orinda, CA, holding a Series 66 designation and 21 years of industry experience. He has been with Morgan Stanley and its Private Bank National Association 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 range of advisory programs, including tailored financial planning supported by structured discovery processes and sophisticated modeling tools.

Charles Truong is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and having 25 years of industry experience. He has worked at LPL Financial since 2023 and previously held roles at Bank of the West and Bancwest Investment Services, Inc. since 2016. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad range of clients including individuals, retirement plans, banks, and charitable organizations. The firm offers diverse advisory programs, retirement plan consulting, and brokerage services through a national network of investment adviser representatives.

Brian Wibert is a financial advisor with J.P. Morgan Securities in Walnut Creek, CA. He holds the Series 66 designation and has one year of industry experience. Prior to joining J.P. Morgan Securities, he worked at Wells Fargo Advisors and Wells Fargo NA. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering asset-allocation advice, investment manager and fund searches, and customized performance reporting through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when making recommendations.

John Wells is a financial advisor with Wells Fargo Advisors holding a Series 65 credential. He has one year of industry experience, having joined Wells Fargo Advisors in 2025. Prior to his financial advisory role, his background includes positions at Rhumbix, Inc. and Gusto, Inc., as well as experience in design education at Parsons School of Design. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, offering a broad range of investment and financial planning services to individuals, trusts, and institutional clients. The firm provides tailored planning using proprietary research and tools, serving clients through a network of financial advisors with a range of specialized planning options.

Marcos Palma Garcia is a financial advisor at Wells Fargo Clearing with six years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Edward Jones, Northwestern Mutual, New York Life, and Wells Fargo Bank. Outside of his advisory role, he is the owner of Palma Gardening LLC, a landscaping company. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions.

Areeya Vesvoranan is a financial advisor at Wells Fargo Advisors with three years of industry experience. Her background includes roles at Wells Fargo Clearing, Wells Fargo Bank, and a bakery and cafe, as well as teaching positions at Florida International University and Miami Palmetto Senior High School. Outside of finance, she is involved with Thai Tamarind Restaurant in Belmont, CA, where she assists with customer service duties. Wells Fargo Advisors Financial Network provides investment and financial planning services to individuals, trusts, and institutional clients, offering a broad range of planning options that cover retirement, education, risk management, and specialty areas such as business-owner transition and special-needs analysis. The firm uses proprietary research and planning tools to develop tailored recommendations, with implementation options through brokerage or advisory programs.

Russ Bizhko is a financial advisor with J.P. Morgan Securities in Lafayette, CA, holding Series 66 and Series 63 licenses and 16 years of industry experience. He has been with J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2014. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework in its investment recommendations.

David Kramer is a financial advisor at Cetera with 48 years of industry experience. He holds the Series 63 and Series 65 designations and has worked at Cetera Advisors LLC since 2013. In addition to his advisory role, he serves as chairman of finance for a condominium homeowners association. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, employer-sponsored 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 discretionary and non-discretionary options.

Kathleen Ortiz is a financial advisor at Raymond James & Associates with 15 years of industry experience. She holds the Series 66 designation and has worked previously at Morgan Stanley and Sagepoint Financial, Inc. Ortiz is based in Walnut Creek, CA. Raymond James & Associates provides financial planning and investment consulting through its Wealth Advisory Services Program to a diverse client base, including individuals, employer-sponsored retirement plans, corporate and charitable entities, and government clients. The firm also offers institutional consulting and sponsors wrap fee advisory programs.

Damon Becker is a financial advisor with LPL Financial in Walnut Creek, CA, holding a Series 63 designation and 33 years of industry experience. He has been associated with LPL Financial since 2003 and leads Becker Financial Group, which he founded in 2004. Becker serves on the investment committee for Hillcrest Orchard, a family business. LPL Financial is an SEC-registered investment adviser and broker-dealer that provides financial planning, advisory programs, retirement plan consulting, and brokerage services to individuals, retirement plans, institutions, and charitable organizations through a national network of advisors. The firm offers discretionary and non-discretionary management with access to model portfolios, third-party subadvisors, and various investment strategies.

Miguel O’Hara is a financial advisor with Charles Schwab, holding the CFP® designation along with Series 63 and Series 66 licenses. He has 14 years of industry experience, including prior roles at JP Morgan Chase Bank and JP Morgan Securities. He has been with Charles Schwab since 2020. Charles Schwab & Co., Inc. serves a large client base primarily composed 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 offers a blend of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by multi-asset model portfolios and due diligence from the Schwab Center for Financial Research.

Joseph A. Senna is a financial advisor at UBS Financial Services with 34 years of industry experience. He has been with UBS since 2008. Senna holds Series 63, Series 65, and Series 66 designations. UBS Financial Services serves individual, corporate, and institutional clients by offering brokerage and investment advisory services, including fee-based financial planning and discretionary portfolio management. The firm integrates institutional trading capabilities with wealth management through a wide range of products and proprietary research.

Mark Baca is a financial advisor with Cetera, holding the ChFC® designation and over 40 years of industry experience. He has an extensive career history including long-term roles at Cetera Advisor Networks LLC and American River Wealth Management. Baca also operates The Baca Group, an insurance services business. Cetera Investment Advisers LLC is a nationwide SEC-registered adviser serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with various portfolio management options, financial planning, and consulting services.

Adam Walker is a financial advisor with Wells Fargo Clearing in Walnut Creek, CA, holding a Series 66 designation and nine years of industry experience. He previously worked at JPMorgan Securities LLC for ten years and is a 50% owner of HuBro LLC, a family property management business. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering investment policy statement preparation, investment recommendations, performance reporting, participant education, and plan benchmarking. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with both discretionary and non-discretionary services tailored to plan objectives and risk tolerances.