Neil Menzies is a financial advisor with Morgan Stanley in Pleasanton, CA, holding a Series 66 designation and 26 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2009 and at Morgan Stanley Private Bank, National Association since 2015. He serves as a board member for The Meg Foundation, a nonprofit organization based in Denver, CO. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs and tailored financial planning to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by approved tools and modeling techniques.

Gregory Hannah is a financial advisor at Osaic Wealth, Inc. in Oakland, CA, with 31 years of industry experience. He holds a Series 63 designation and has worked at Osaic Wealth since 2018, following prior roles at Signator Investors and Transamerica Financial Advisors. Outside of advising, he operates a fixed insurance agency as a sole proprietor. Osaic Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of brokerage and advisory services through a multi-advisor platform, emphasizing model-based asset allocation and portfolio optimization.

Alexander Chin is a financial advisor with LPL Financial in Fremont, CA, holding a Series 66 designation and one year of industry experience. His prior experience includes roles at DCN Wealth Management, Sorrento Pacific Financial, LLC, and operating his own practice. Outside of finance, he works as a professional golfer and coach. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, utilizing model portfolios, third-party subadvisors, and customized strategies, supported by technology and a broad platform that includes insurance and credit services.

Qingyin You is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and 19 years of industry experience. Prior to joining Wells Fargo in 2020, Qingyin worked at HSBC Bank USA and HSBC Securities from 2013 to 2020. Outside of advising, Qingyin provides in-home supportive services as a caregiver. Wells Fargo Clearing offers retirement plan consulting for qualified ERISA and non-qualified deferred compensation plans, providing both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates a wide range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Patrick Oswald serves as a Senior Financial Advisor with Merrill Lynch Wealth Management. He brings over 30 years of experience in the financial markets, focusing on constructing dividend-paying stock and bond portfolios tailored for long-term results. His client focus includes corporate executive services, equity compensation, family wealth management strategies, and retirement income planning. Patrick holds a Bachelor of Arts in Agricultural Economics (1988) and a Master of Business Administration (1992), both from the University of California. He has earned the Personal Investment Advisor (PIA) designation. His earlier education includes attending De La Salle High School in Concord, CA, where he was named Athlete of the Year and inducted into the Athletic Hall of Fame. Committed to community engagement, Patrick volunteers with Catholic Charities and serves as a football coach for the San Ramon Valley T-Birds. Outside of his professional and community activities, he enjoys golf, fishing, snowboarding, baseball, cooking, gardening, hiking, softball, and football. He resides in Danville, CA, with his wife Elisa and their four sons.

John Paul Borbon is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 12 years of industry experience. His prior work includes roles at Patelco Credit Union, CUSO Financial Services, Wells Fargo Clearing, and Wells Fargo Bank NA. He is also involved with Patelco Financial Solutions, a DBA entity related to his LPL business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of services including financial planning, model portfolio programs, and institutional platforms, supporting its network of over 22,800 advisors with various advisory and brokerage solutions.

Vic Leung is a financial advisor at Cetera with four years of industry experience and holds the Series 66 designation. His work history includes roles at Merrill, Wells Fargo, U.S. Bank, U.S. Bancorp Investments, and East West Bank. Cetera Investment Advisers LLC serves individual clients, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of over 10,000 advisors. The firm offers a range of portfolio management and financial planning services using a multi-manager platform with diverse program structures and custodial relationships.

Sahil Dilawari is currently serving as Vice President and Branch Leader. He has been working as a Financial Consultant at Fidelity Investments since 2020. Prior to this role, he was a Private Client Advisor at J.P. Morgan Chase from 2018 to 2020 and held the position of Senior Manager at Alliant - LPL Financial from 2012 to 2018. Sahil's professional experience spans comprehensive financial planning and investment strategies. He holds a California Insurance License and is focused on delivering wealth planning services tailored to client priorities. He is committed to helping clients and their families by developing customized financial plans that address their specific needs and goals.

Tayo Ogundiya is Vice President and Executive Planning Consultant at Fidelity Investments, where he has been serving since 2020. In this role, he partners with clients to develop comprehensive long-term financial plans and detailed investment strategies that incorporate workplace benefits and equity compensation. He emphasizes establishing long-term relationships based on trust and reliability to help clients work toward their financial goals. Tayo has been with Fidelity Investments since 2010, holding various roles including Relationship Manager, Financial Consultant, Service and Trading Manager, and High Net Worth Supervisor. He holds a California Insurance License. Outside of his professional responsibilities, Tayo enjoys concerts, hiking, movies, music, and writing.

Askar Habybayli is a financial advisor at J.P. Morgan Securities with two years of industry experience. He holds Series 66 and Series 63 credentials. Prior to joining J.P. Morgan Securities, his work history includes roles at JPMorgan Chase Bank, Columbia Sportswear, and various other positions across retail and fitness industries. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. The firm’s advisory program focuses on written asset allocation advice, investment manager and fund searches, supported by centralized due diligence combining quantitative and qualitative research.

David Clarke is a financial advisor at Wells Fargo Advisors with 43 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Wells Fargo Clearing and Morgan Stanley in prior roles. Outside of his advisory work, Clarke has ownership interests in several ventures including DCC Ventures, LLC and Sunnyside Water Sports, a watercraft rental business. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by offering a broad range of investment and financial planning services. The firm provides tailored recommendations through a combination of research, planning tools, and client meetings, with optional implementation across brokerage and advisory programs.

Casey Kehr is a financial advisor with Ameriprise in Danville, CA. He holds the Series 66 designation and has been with Ameriprise since 2023. Prior to joining Ameriprise, he held positions at Cal State University East Bay, elfinSupport, Cal State University Chico, Lamorinda Pizza, and San Ramon Valley High School. Ameriprise is a large institutional firm offering a retirement-income planning service aimed at individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide written, non-discretionary recommendations, primarily for clients maintaining accounts within Ameriprise.

Kristofer Van Zanten is a financial advisor at Cambridge Investment Research Advisors with one year of industry experience. He holds the Series 66 designation. Prior to his current role, his employment history includes positions outside the financial industry. Cambridge Investment Research Advisors, Inc. serves a diverse client base including individual, institutional, pension, and charitable organization clients by providing financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm supports both discretionary and non-discretionary management and offers access to multiple platforms, third-party advisers, and proprietary model strategies.

Taressa Soto is a financial advisor at OSAIC with five years of industry experience. She holds a Series 66 credential and previously worked at Lincoln Financial Advisors. Soto is also licensed as an insurance agent, offering fixed insurance products including annuities and life insurance. Osaic Wealth serves a broad mix of retail and institutional clients through a multi-advisor platform, delivering a range of brokerage and advisory services supported by model-based asset allocation and portfolio optimization tools.

Igor Kipnis is a CFP® with 20 years of experience in the financial industry, currently serving at Wells Fargo Clearing since 2016. His prior experience includes roles at Morgan Stanley and Citigroup Global Markets. Wells Fargo Advisors is a national securities firm that offers investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm applies research and analytics to support its investment approach, providing both brokerage and advisory solutions across a broad range of financial products.

Isaac Cowen is a financial advisor with Charles Schwab in San Ramon, CA, holding a Series 66 credential and six years of industry experience. His career includes roles at Charles Schwab Bank, Charles Schwab & Co., Inc., and Bank of the West. 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 solutions supported by multi-asset model portfolios and centralized operational infrastructure.

Michael Gomez is a financial advisor with Wells Fargo Clearing in Oakland, CA. He holds Series 63 and Series 65 licenses and has 11 years of industry experience. His prior roles include positions at Ameriprise, Bank of America, and Merrill. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Killian Adwell is a financial advisor at Fidelity with Series 66 and Series 63 credentials and three years of industry experience. Prior to joining Fidelity, he held roles at Henry's House of Coffee, Uber Technologies, Amazon, and other organizations. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage a range of portfolios including mutual funds and ETFs.

Justin Green is a Senior Financial Advisor at Merrill Lynch Wealth Management with over 20 years of experience in the financial industry, beginning his career in 2002. He is committed to helping clients achieve their financial goals by providing personalized wealth management strategies tailored to their individual circumstances. Justin works closely with clients to simplify complex financial matters through time-tested investment and planning principles, offering access to a full spectrum of investment choices alongside the resources of Merrill Lynch and Bank of America. His expertise covers areas such as retirement planning, tax minimization, estate planning services, lifetime income management, college education planning, family wealth management strategies, and portfolio management services. Justin emphasizes building enduring relationships by gaining a deep understanding of his clients' lives and priorities, ensuring that each financial strategy aligns with their long-term goals. Justin holds a Bachelor of Science degree in Business Administration with majors in Finance and Banking from San Francisco State University. He carries the designation of Personal Investment Advisor (PIA). Fluent in English and Spanish, he resides in San Ramon, California, with his wife Susy and two children, Jovany and Vanessa. Outside of his professional interests, Justin enjoys baseball, hiking, swimming, traveling, and exploring different cultures.

Nikolai Papa is a financial advisor at Cetera with 15 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Woodbury Financial Services, OSAIC, Minnesota Life, and Sgc Financial. In addition to his advisory work, he teaches a retirement planning class part-time at the City College of San Francisco Extension. Cetera Investment Advisers LLC is an SEC-registered firm serving a diverse client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to various program structures and third-party money managers.