Alfonso Madrigal Pantoja is a financial advisor at Merrill with Series 63 and Series 66 licenses and three years of industry experience. He has previously worked at firms including J.P. Morgan Securities and Wells Fargo Bank. Outside of his advisory role, he works part-time as a Receiving Associate at Home Depot on weekends. Merrill, along 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 a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Patrick Giamanco is a financial advisor at Edward Jones with one year of industry experience. He holds a Series 66 designation and previously worked at Envestnet | Yodlee for 13 years. Outside of finance, he operates an online artwork sales business focused on photography. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs, including discretionary and non-discretionary investment strategies, and manages approximately $1.01 trillion in assets through a nationwide network of over 23,000 financial advisors.

Shawn Campas is a CFP® with 12 years of industry experience, currently with OSAIC since 2024. He previously worked at Woodbury Financial Services for 10 years and Stark Miller FBG for 14 years. Campas is involved in community service as a member of the Rotary Club of Novato Endowment Board. OSAIC Wealth serves a diverse client base, including individual investors, retirement plans, charities, and corporate clients. The firm provides a range of brokerage and advisory services through a multi-advisor platform, utilizing model-based asset allocation and portfolio optimization supported by risk assessment tools.

Charles Johnson III is a financial advisor with Morgan Stanley in Oakland, CA, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. His career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets. Morgan Stanley Wealth Management serves both individual and institutional clients with a variety of advisory programs, providing tailored financial planning supported by firm-approved tools and methodologies.

Mohsin Hafeez is a CFP® professional with 16 years of industry experience, currently serving at Wells Fargo Clearing since 2016. Prior to this, he worked at Morgan Stanley from 2010 to 2013. He is involved in education through ownership of GLOBAL MINERVA ALLIANCE and teaches financial analysis and corporate finance courses at Golden Gate University, Hult International Business School, and UC Berkeley Extension. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and provides a range of brokerage and advisory solutions supported by research and analytics.

Virginia Choice is a financial advisor at Morgan Stanley with a Series 66 credential and two years of industry experience. Her prior roles include positions at Northwestern Mutual, Honda Finance Corporation, and Clark Atlanta University. Outside of advising, she is involved in art and culture ventures, serving as sole proprietor of an online retail store and as president of an art-related organization. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-sponsored financial plans.

Diana Espinoza is a Planning Consultant who works closely with clients to develop financial plans that reflect their goals and values. She emphasizes thoughtful, ongoing planning to support informed decision-making at every stage of life. Diana has held roles at several financial institutions, including Relationship Manager and Financial Representative at Fidelity Investments, Associate Banker at JPMorgan Chase, and Bank Teller at Wells Fargo. This range of experience informs her approach to client service and financial planning. Outside of her professional work, Diana enjoys cooking and baking, fitness, exploring food cultures, traveling, and volunteering.

Mark Schneeberger is a financial advisor at OSAIC with 28 years of industry experience. He holds the ChFC® designation along with Series 63 and 65 licenses. His career includes prior roles at Sunamerica Securities, Inc., Morgan Stanley DW Inc., and OSAIC Services, Inc. Outside of his advisory work, Schneeberger is a licensed real estate agent with Berkshire Hathaway, referring real estate sales to active agents. OSAIC Wealth serves a diverse client base including retail investors, retirement plan sponsors, charities, and corporate clients. The firm offers brokerage and advisory services through various programs, utilizing a model-based investment process with asset allocation, portfolio optimization, and multiple management options across a large multi-advisor platform.

Tien Nguyen is a financial advisor at Wells Fargo Clearing with 11 years of industry experience. He holds Series 63 and Series 66 licenses. His prior experience includes roles at JP Morgan Securities LLC and JP Morgan Chase Bank, N.A. 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 grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Caesar R. Ruegg is a financial advisor with UBS Financial Services, holding a Series 66 designation and 26 years of industry experience. He has been with UBS since 2001. UBS Financial Services Inc. serves individual, corporate, and institutional clients by offering brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor strategies to client goals.

Susan Leonard is a financial advisor with LPL Financial, holding a Series 66 designation and one year of industry experience. Her prior work includes roles at Terra Blue Wealth Management, Commonwealth Financial Network, Glencrest Group, and Analysis Group. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions through a broad network of investment adviser representatives. The firm offers a range of advisory services and utilizes both proprietary and third-party investment strategies, supported by technology tools for operational and research purposes.

Robert Wilkinson is a financial advisor at LPL Financial with 30 years of industry experience. He holds Series 63, 65, and 66 licenses and has previously worked at Western International Securities, Inc., GBS Financial Corp., Securities America Advisors, Inc., and other firms. Wilkinson serves on the Alameda County Employees Retirement Association and Oakland Police and Fire Retirement System boards. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions through a broad range of advisory and brokerage services. The firm supports advisors with research, model portfolios, and various platform options, managing over $819 billion in discretionary assets.

David Roggenkamp is a financial advisor with LPL Financial in San Rafael, CA, holding a Series 63 designation and 37 years of industry experience. Prior to joining LPL Financial in 2026, he worked at Commonwealth Financial Network, Signator Investors, Inc., and Transamerica Financial Advisors. Outside of his advisory role, he is involved in fixed insurance sales. 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 financial planning and investment management services, utilizing a variety of model portfolios and third-party strategies, supported by advanced operational tools and a broad array of non-advisory financial products.

Nancy Tattersall is a CFP® registered financial advisor with Pinnacle Retirement & Financial Planning in San Rafael, CA. She has 30 years of experience with the firm and holds the Series 63 license. Pinnacle Retirement & Financial Planning is an independent firm serving clients with personalized retirement and financial planning services.

Gatian Cunningham is a financial advisor at Hearth Capital Management with 28 years of industry experience. He is based in Mill Valley, CA. Hearth Capital Management provides portfolio management and financial planning services to a small client base of individual investors. The firm focuses on one-on-one advisory relationships and serves primarily non-high-net-worth individuals, using an hourly fee structure that is uncommon among similar firms.

Michael Schmitz is a financial advisor with Schmitz Capital Partners, LLC, holding Series 63 and Series 65 licenses and bringing 21 years of industry experience. He has worked at Schmitz Capital Partners since 2015 and has been affiliated with Osaic Wealth, Inc. since 2009. Schmitz is also licensed to offer various insurance and annuity products to clients. Schmitz Capital Partners serves individual and high-net-worth clients, as well as trusts, pension plans, and institutional clients, managing approximately $125 million in assets. The firm employs a proactive, holistic investment approach that incorporates asset-allocation planning software, risk-tolerance assessments, efficient-frontier analysis, and both fundamental and cyclical analysis across long- and short-term strategies.

Harris Holzberg is a financial advisor at Holzberg Wealth Management, Inc. with 18 years of industry experience. He holds the ChFC® designation as well as Series 63 and Series 65 licenses. He has been with Holzberg Wealth Management since 2013. In addition to his advisory role, Holzberg provides securities expert witness and litigation support services. Holzberg Wealth Management is a small firm based in Corte Madera, CA, serving clients with personalized wealth management strategies.

Philip Rice is a financial advisor at Warm Springs Advisors Inc. with six years of industry experience. He holds the Series 63 and Series 65 designations and previously worked at Private Wealth Partners from 2014 to 2019. Warm Springs Advisors offers discretionary asset management and modular financial planning to individual and high-net-worth clients. The firm emphasizes long-term, value-oriented equity selection and uses strategic asset-allocation adjustments, managing approximately $131 million across a small number of client accounts.

Nathaniel Cornell is a financial advisor at Warm Springs Advisors Inc. with 13 years of industry experience. He also serves as President and Director of Home Savings Bank in Wapakoneta, Ohio, and holds executive roles at Cornell and Finkelmeier, Inc., a property and casualty insurance firm. Warm Springs Advisors provides discretionary asset management combined with modular financial planning and consulting to individual and high-net-worth clients. The firm emphasizes long-term, value-oriented equity selection and strategic asset-allocation adjustments, managing concentrated portfolios on a discretionary basis.

Steven Schmitz is the president and chief compliance officer of Schmitz Capital Partners, LLC, with 40 years of industry experience. He has been with Schmitz Capital Partners since 2015 and has an ongoing association with OSAIC since 1997. Schmitz also prepares income tax returns and projections for select clients as part of a sole proprietorship. Schmitz Capital Partners primarily serves individual and high-net-worth clients, as well as trusts, pension plans, and other institutional clients, managing approximately $125 million in assets. The firm offers asset management, financial planning, and pension consulting through a platform that utilizes asset-allocation software, risk-tolerance questionnaires, and fundamental and cyclical analysis, with regular portfolio reviews and due diligence on alternative investments.