Robert Duncan Anderson is a CFP® with 19 years of industry experience, currently affiliated with Raymond James Financial Services Advisors, Inc. He previously spent 14 years at Commonwealth Financial Network. In addition to his advisory work, he serves as Treasurer and Board Member for the Danville Oaks Rugby Club, overseeing its financial policies and reporting. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base including individuals, institutions, and charitable organizations. The firm emphasizes tailored, non-discretionary planning using risk profiling and analytical modeling to support client goals.

Matthew Topielski is a financial advisor with LPL Financial, holding a Series 66 designation and one year of industry experience. His prior work includes seven years at First Republic Bank and roles at Fremont Bank and Dick's Sporting Goods. Outside of financial advising, he is an artist and musician who earns royalties through BMI. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a diverse client base, including individuals, retirement plans, financial institutions, corporations, and nonprofits. The firm offers a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

James Deak is a CFP® with 28 years of experience in the financial industry. He has been with Wells Fargo Advisors since 2011, including time at Wells Fargo Clearing. Outside of his advisory work, he owns TN&LG, LLC and serves on the finance committee of Cantare, providing input on financial reports and budgeting. Wells Fargo Advisors Financial Network is a broker-dealer and registered investment adviser that offers investment and financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services and integrates advisory offerings with other financial products through a large network of advisors.

Mehul Khivesara is a financial advisor at J.P. Morgan Securities with six years of industry experience. He holds Series 63 and Series 66 credentials and has worked at multiple firms including Morgan Stanley, Charles Schwab, and Adero Partners. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

Clifford Wichmann III is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and nine years of industry experience. He has been with Wells Fargo Clearing since 2017 and previously worked at Robert Half for one year. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, offering a range of investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions.

Robin Sherwood is a financial advisor with Morgan Stanley in Pleasanton, CA, holding Series 63 and Series 65 licenses and possessing 31 years of industry experience. He has been with Morgan Stanley in various roles since 2009, including at Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients by offering a range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides planning services directly and through corporate agreements.

David Rodriguez is a financial advisor with Wells Fargo Clearing in Walnut Creek, CA, holding Series 63 and Series 65 licenses. He has nine years of industry experience and has worked at several firms including JPMorgan Chase Bank, First Republic Bank, and LPL Financial. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, retirement plan consulting, and brokerage services. The firm manages approximately $671 billion in assets and integrates research from Wells Fargo Investment Institute with modern portfolio theory principles in its investment approach.

My Moore is a Series 66-registered financial advisor with Edward Jones, based in Dublin, CA, and has two years of industry experience. Prior to joining Edward Jones, Moore worked for the Dublin Unified School District. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of discretionary and non-discretionary investment strategies supported by a nationwide network of more than 23,000 advisors.

Ronald Arrajj is a financial advisor with Wells Fargo Advisors in Walnut Creek, CA, holding Series 63 and Series 65 credentials and five years of industry experience. Prior to joining Wells Fargo Advisors in 2024, he worked at Wells Fargo Clearing and Bloomberg LP in various capacities from 1993 to 2024. He serves as executor and trustee for several family trusts. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutional clients, using Wells Fargo research and tools to develop tailored recommendations. The firm offers a broad range of planning services, including niche areas such as business-owner transition and special-needs analysis.

Xuzhen Li is a financial advisor at Mass Mutual Investors Services with a Series 66 designation and one year of industry experience. Prior to joining MassMutual, Li held positions at Fortemedia Inc and PicoAI Inc, and worked at Telink Micro Inc for nine years. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, structuring planning engagements as annual, collaborative relationships that focus on goal analysis and recommendation of investment strategies.

Raoul Guillarte is a Wealth Management Advisor with Merrill Lynch Wealth Management. In this role, he tailors wealth management strategies to a select number of clients based on their individual goals. He leverages the resources of Merrill Lynch and the banking services of Bank of America to support clients' financial needs. Raoul's expertise encompasses education planning, managing new wealth, personal retirement planning, women and wealth, tax minimization, and retirement income. He earned the Certified Private Wealth Advisor® (CPWA®) designation in 2021 through the Investments and Wealth Institute® and Yale School of Management, which focuses on addressing the complex needs of high net worth clients. He holds a Bachelor of Arts degree from the University of California, Davis, and a Juris Doctorate from the San Francisco School of Law. In his personal time, Raoul enjoys spending time with his wife and daughter and follows sports closely, particularly teams from his hometown of Chicago, including the Bears, Bulls, and Cubs.

Austin Hunt is a financial advisor with MassMutual Investors Services who holds a Series 66 designation and has two years of industry experience. He is also the owner of The Homestead, a bar and restaurant in San Francisco, where he is involved in payroll, bookkeeping, hiring, and strategic planning. Additionally, he is a partner at CNEM, providing hospitality and digital marketing consulting. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that offers financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm uses detailed client information and firm-approved software to analyze goals and deliver written recommendations through collaborative annual planning engagements.

Georgiana Andersen is a financial advisor with Merrill in Walnut Creek, CA, holding Series 63 and Series 65 licenses and 36 years of industry experience. She has been with Merrill since 2015. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Alexander Holguin is a financial advisor with Wells Fargo Advisors in Walnut Creek, CA, holding a Series 66 designation and four years of industry experience. His prior work includes roles at Amazon and TD Ameritrade. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that serves individuals, trusts, and institutional clients with a broad range of investment and financial planning services. The firm provides tailored recommendations supported by proprietary research and planning tools, offering specialized services such as business-owner transition and special-needs planning.

Kyle Branham is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 12 years of industry experience. Prior to joining Cetera in 2019, he worked at Foresters Financial Services and Foresters Advisory Services. Outside of his advisory role, he is CEO and co-owner of GameStars, a third-party platform for video games, and serves as Director of Analytics at SpikeWeek.com, where he develops statistical models and writes about fantasy football. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients, including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers various portfolio management and consulting services through a large network of independent advisors, with access to multiple program platforms and third-party money managers.

Lauren Gershon is a financial advisor at Fidelity with a Series 66 designation and six years of industry experience. Her career includes roles at Fidelity Investments, FIDELITY Brokerage Services LLC, TD Ameritrade, and TD Bank. Fidelity's Strategic Advisers LLC, where she is based, provides investment management and advisory services to retail and institutional clients. The firm employs a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios and offers advisory services including fund management and consulting.

William Fraser is a financial advisor with Morgan Stanley in Walnut Creek, CA, holding Series 63 and Series 66 licenses and bringing 41 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2009 and Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management offers advisory programs to individuals and institutional clients, with financial planning services supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and provides a range of investment solutions alongside advisory and brokerage services.

Antonio Accardo is a financial advisor with Mass Mutual Investors Services in Pleasanton, CA, holding Series 63 and Series 65 credentials and bringing 18 years of industry experience. He has worked at MML Investors Services, Inc. and Mass Mutual Financial Group since 2008. Additionally, he has been involved with Villa Romana Inc. since 1992. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative, annual financial planning relationships and offers specialized programs including divorce planning and event-driven services such as estate settlement and employer-sponsored planning.

Kai Li is a Financial Consultant currently affiliated with Fidelity Investments since 2022. In this role, Kai provides comprehensive guidance throughout the financial planning process, working closely with clients to understand their objectives and develop long-term strategies tailored to their unique circumstances. Kai has over a decade of experience in financial services, including previous positions as Vice President and Financial Solutions Advisor at Merrill from 2017 to 2022, Senior Relationship Manager at Bank of America from 2013 to 2017, and Wealth Management Advisor at China Merchants Bank from 2010 to 2012. This extensive background supports Kai's expertise in delivering disciplined and thoughtful financial strategies. Kai holds a CA Insurance License and is a Certified Financial Planner (CFP4) professional.

Douglas Kaminski is a financial advisor with Charles Schwab in Walnut Creek, CA, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. He has worked with Charles Schwab and its affiliates since 2005. Outside of his advisory role, he is involved in property management as a landlord. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, offering comprehensive wealth advisory, brokerage, custody, and financial planning services through its integrated wrap fee programs. Schwab provides both non-discretionary and discretionary investment options, utilizing multi-asset model portfolios and research-based due diligence to support client investment decisions.