Michael Allard is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and possessing 33 years of industry experience. He has been with LPL Financial, previously LINSCO/PRIVATE LEDGER, since 2005. Outside of advising, he is involved with Calbay Investments, Inc., focusing on non-variable insurance. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients including individuals, retirement plans, and institutions through a national network of investment adviser representatives. The firm provides financial planning, advisory programs, retirement plan consulting, and brokerage services, offering both discretionary and non-discretionary management alongside diverse investment strategies and technology-supported portfolio solutions.

Michael West is a CFP®-certified financial advisor with 39 years of industry experience, currently affiliated with Cetera. His career includes long-term roles at Avantax Advisory Services and Avantax Investment Services. In addition to his advisory work, he operates tax preparation and accounting services through Michael West & Associates. Cetera Investment Advisers LLC serves a broad client base that includes individual investors, retirement plans, corporate and charitable clients, and institutions. The firm offers a range of portfolio management, financial planning, and retirement services through a multi-manager platform with various program structures and extensive access to third-party managers.

Eric Bradford is a financial advisor at LPL Financial with 14 years of industry experience. He holds Series 63 and Series 66 credentials and has previously worked at JPMorgan Securities, Wells Fargo Bank, and BMO. He is also a commissioned notary public in California. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm provides a range of advisory programs, financial planning, and retirement consulting, utilizing model portfolios and research to support both discretionary and non-discretionary management.

Aracely Flores Chavez is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and eight years of industry experience. She has been with Wells Fargo Clearing Services LLC since 2017 and has a longer tenure with Wells Fargo Bank NA beginning in 2013. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Annalisa Chan is a financial advisor at Wells Fargo Clearing with 23 years of industry experience. She holds the Series 66 designation and has worked at Wells Fargo Clearing since 2016, following five 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 management. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Donna Lee is currently a Planning Consultant at Fidelity Investments, a position she has held since 2023. Prior to this role, she served as a Financial Consultant and Investment Consultant at Fidelity Investments from 2016 to 2023. Donna has also worked as a Financial Solutions Advisor at Merrill Lynch from 2012 to 2016, and held financial advisor roles at Morgan Stanley Smith Barney and Merrill Lynch between 2008 and 2011. Her areas of focus include retirement planning, income protection, investment strategies, and legacy planning considerations. Donna holds a California Insurance License, supporting her expertise in these areas. Outside of her professional career, Donna enjoys cooking and baking, fitness, exploring food, gardening, and traveling.

Jacob Marquez is a financial advisor at Morgan Stanley with a Series 66 designation and three years of industry experience. Prior to joining Morgan Stanley, he worked at Oregon Health & Science University and held roles at Toyota of Gladstone and Oregon State University. Morgan Stanley Wealth Management offers advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm utilizes a structured planning process with firm-approved tools and provides a broad range of investment and financial services.

Molly Mckenna Redfield is a financial advisor at Morgan Stanley with eight years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley Private Bank, National Association since 2017. Prior to joining Morgan Stanley, she was employed at Groupon and attended the University of Colorado Boulder. 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 that utilizes structured processes and firm-approved tools.

Marianah Cecchi is a financial advisor with Wells Fargo Clearing in Oakland, CA, holding a Series 66 designation and two years of industry experience. Her prior work experience includes roles at Bank of America, Merrill, Wells Fargo, and Amazon. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, including pension and charitable organizations. The firm offers a range of investment advisory services, financial planning, and retirement plan consulting, leveraging research from the Wells Fargo Investment Institute and applying diversification principles and modern portfolio theory in their investment approach.

Lindsay Romig is a financial advisor with Merrill in Walnut Creek, CA, holding Series 63 and Series 65 credentials and bringing 21 years of industry experience. Her prior roles include positions at Wells Fargo Clearing, First Republic Investment Management, and Morgan Stanley. Outside of her advisory work, she owns a music recording company and serves on the board of Open Floor International, a nonprofit focused on embodied movement and dance to support individual and community resilience. 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 tailored to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Kathryn Romanczuk is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 designations and bringing 38 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2011 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA 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, serving as an ERISA fiduciary and offering both non-discretionary and discretionary services tailored to plan objectives and demographics.

Yoav Karni is a financial advisor with Cambridge Investment Research Advisors in Walnut Creek, CA, holding Series 63 and Series 65 licenses and bringing 16 years of industry experience. He has worked with West Coast Financial Wealth Management and maintained independent advisory roles since 2001. Outside of his advisory work, Karni is a general agent for life, disability, and Medicare insurance products. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, retirement plans, and charitable organizations. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals using a range of portfolio management and model-based solutions.

Sean Mc Cue is a financial advisor at Edward Jones with a Series 66 credential and two years of industry experience. Prior to joining Edward Jones in 2023, he spent 18 years at JP Morgan Chase. Outside of his advisory role, he owns and self-manages rental duplex properties in Spokane, WA, and Concord, CA. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and pension plans. The firm manages approximately $1.01 trillion in assets and offers a wide range of advisory services supported by a large network of financial advisors and branch offices nationwide.

Auropuja Markus is a financial advisor at Edward Jones in Walnut Creek, CA, holding the CFP®, ChFC®, and Series 66 designations with 13 years of industry experience. Markus has been with Edward Jones since 2012. Outside of advisory work, Markus is the owner of a rental property in Lincoln, CA, which is managed by a property management company. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds. The firm maintains a large retail advisor and branch network and provides additional services such as trust company capabilities and securities-based lending.

Kellen Ali is a financial advisor with Morgan Stanley in Walnut Creek, CA, holding a Series 66 license and 10 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2016. 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 firm-approved tools.

Casey Cremen is a Series 66-licensed financial advisor at J.P. Morgan Securities with three years of industry experience. Prior to joining J.P. Morgan, he worked at First Republic Bank for seven years. Outside of his advisory work, Casey is a partner in ACE Wine Co LLC, a small wine business involved in fruit purchasing, wine production, and sales. J.P. Morgan Securities 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 in its investment approach.

Kevin Huang is a Financial Consultant at Fidelity Investments, where he has been working since 2021. In this role, he helps clients create clear and personalized retirement plans, offering trusted guidance through life's milestones and supporting informed financial decisions. Prior to his current position, Kevin gained experience as a Private Client Banker at JP Morgan Chase from 2019 to 2021, and as an International Marketing Manager at Bank of the West from 2015 to 2019. He holds a California Insurance License. Outside of his professional work, Kevin enjoys camping, attending concerts, cooking and baking, visiting museums, and snowboarding.

John Pacelli is a CFP® professional with 48 years of experience in the financial industry. He is currently affiliated with Osaic and has previous experience at Lincoln Financial Advisors, Kestra Financial Services, Inc., and D/A Financial. He holds a license to offer disability and traditional life insurance, as well as fixed and fixed indexed annuities. Osaic Wealth, Inc. serves a diverse range of retail and institutional clients through a large network of financial advisers and multiple advisory platforms. The firm provides integrated brokerage and investment advisory services, utilizing various asset-allocation tools and third-party solutions to deliver customized portfolio management and financial planning.

Srivani Ravikumar is a financial advisor at Wells Fargo Clearing with 19 years of industry experience. She holds a Series 66 designation and has worked at various Wells Fargo entities since 2005, including Wells Fargo Advisors LLC and Wells Fargo Bank. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process 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.

John Mullen II is a financial advisor at LPL Financial with 36 years of industry experience. He has been with LPL Financial and its predecessor firms since 2003. In addition to his advisory work, he teaches CFP exam preparation courses at UC Berkeley Extension. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a large network of investment adviser representatives. The firm offers a broad range of financial planning and advisory programs, utilizing diverse investment strategies and technologies.