Sean Armstrong is a Financial Consultant at Fidelity Investments, a position he has held since 2013. He brings over 30 years of experience in the financial services industry, with a background that includes roles such as Branch Manager at TD Ameritrade and Charles Schwab, Registered Representative at Wellington Securities, and Account Executive at Dean Witter Reynolds. Sean specializes in financial planning and investment management, emphasizing personalized, one-on-one relationships. He works closely with clients to understand their comprehensive financial situations, enabling interactive planning and scenario analysis to develop adaptable financial plans that evolve with clients' goals. He holds a California Insurance License. Outside of his professional work, Sean enjoys biking, cooking and baking, participating in family activities, playing golf, hiking, and scuba diving.

Paula Best is a Certified Financial Planner (CFP®) and holds a Series 63 license with 12 years of experience in the financial industry. She has worked at First Republic Securities Company, LLC since 2014 and also held roles at Wingspan Insurance Group, LLC and M HOLDINGS SECURITIES, Inc. from 2013 to 2018. She is based in Walnut Creek, California. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, offering a range of products and proprietary research to tailor investment solutions.

James Schmidt is a Wealth Management Advisor and Senior Vice President at Merrill Lynch Wealth Management. He focuses on developing financial strategies tailored to wealthy individuals and business owners, providing comprehensive advice to help clients pursue their long-term goals through personalized or defined strategies. His areas of expertise include college education planning, executive compensation, services for defined benefit plans, investment consulting for defined contribution plans, legacy and liquidity management, personal retirement planning, portfolio management, individual and corporate investment strategy, and tax minimization. James holds several professional designations including Certified Financial Planner (CFP®), Certified Investment Management Analyst (CIMA®), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He earned a bachelor's degree from Michigan State University. Outside of his professional role, James is the founder of the "Fore Our Schools" foundation, which raises funds for local schools. His personal interests include boating, fishing, golfing, hunting, and traveling.

Shelley Hancock is a financial advisor with Wells Fargo Clearing in Danville, CA, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. She previously worked for Wells Fargo Investments, LLC, from 2001 to 2011 and has been with Wells Fargo Clearing since 2016. 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 combines brokerage and advisory solutions with research-driven investment approaches.

Jeffrey Hastings is a financial advisor with Cetera who holds a Series 66 designation and has 22 years of industry experience. His prior work includes roles at Avantax and leadership positions in his own accounting and tax preparation firms. He is actively involved in tax planning and compliance services and provides trustee services for client trusts. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, and institutional accounts, offering a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party managers. The firm supports a variety of program structures and custodial relationships while overseeing more than $256 billion in assets under management.

Martha Madrid is a Senior Financial Advisor at Merrill Lynch Wealth Management, where she has been serving clients since 1979. With over 40 years in the financial industry, she focuses on providing a comprehensive approach to wealth management that begins with understanding each client's unique financial situation and personal priorities. Martha helps clients develop customized and flexible strategies that can adapt to changing market conditions, leveraging the investment insights of Merrill and the banking services of Bank of America. Her areas of expertise include college education planning, personal retirement planning, and addressing the financial needs of women and wealth. Martha holds the Personal Investment Advisor (PIA) designation and completed her high school education through the State of New Jersey Department of Education. She lives in the Bay Area and balances her professional responsibilities with personal interests such as traveling, cooking, tennis, dancing, sewing, and watching movies. Martha is also committed to community involvement, volunteering with local organizations in line with Merrill's tradition of service.

Magnus Du Borg is a CFP® professional with 17 years of experience in financial advisory roles. He is currently affiliated with RBC Capital Markets and City National Bank, having previously worked at Morgan Stanley and its private banking divisions for over a decade. Outside of his advisory work, he is involved in real estate investment as a passive capital partner in several entities. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers tailored investment strategies through multiple advisory programs, utilizing both in-house and third-party managers and providing a range of portfolio management and financial planning services.

David Williams is a financial advisor with Morgan Stanley in Oakland, CA, holding a Series 66 designation and eight years of industry experience. He has worked at Morgan Stanley and its Private Bank division since 2018 and has prior work experience with Target and Sonoma State University. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individual and institutional clients, including customized financial planning supported by firm-approved tools and modeling techniques.

Nickolas Prieto is a financial advisor at UBS Financial Services with 10 years of industry experience. He holds Series 65 and Series 63 designations and has previously worked at Osborne Partners Capital Management and Brouwer & Janachowski. He has been with UBS since 2019. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm uses proprietary research and model-based asset allocations to tailor plans according to clients’ goals and risk tolerances.

Logan Marts is a financial advisor at Osaic Wealth with two years of industry experience. He holds Series 66 and Series 63 licenses and previously worked at Fidelity Investments. His background includes roles outside finance, such as positions at Amazon and in interpreting services. Osaic Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a broad range of brokerage and advisory services with an investment approach centered on model-based asset allocation, portfolio optimization, and multi-advisor platform solutions.

Justin Allen is a financial advisor with Charles Schwab, holding a Series 66 designation and four years of industry experience. He has worked at Charles Schwab & Co., Inc. and Charles Schwab Bank, SSB since 2020, with prior roles outside the financial sector. 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 related managed-account and financial planning services. The firm combines non-discretionary advisory models with access to affiliated discretionary separately managed accounts, using multi-asset model portfolios and a formal due diligence process for alternative investments.

Stephan Choulos is a financial advisor with LPL Financial in Walnut Creek, CA, holding a Series 66 designation and bringing 27 years of industry experience. His prior firms include Raymond James & Associates, Howe Barnes Capital Management, and Merrill. 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 including financial planning, model portfolio programs, and institutional platforms, supported by a large network of investment adviser representatives.

Jazmin Soriano is a financial advisor at Wells Fargo Clearing with four years of industry experience. She holds a Series 66 designation and has worked at Wells Fargo Bank, nA since 2018. Her prior roles include positions at click away verizon and metro Pcs. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, including pension and charitable organizations. The firm offers investment advisory services, financial planning, and retirement plan consulting, utilizing research from Wells Fargo Investment Institute and third-party sources to guide its investment approach.

Jacquelyn Hernandez is a Series 66-licensed financial advisor with Merrill in Walnut Creek, CA, with 19 years of industry experience. She previously worked at Wells Fargo Clearing and Wells Fargo Bank, N.A. Hernandez serves as a board member for Benicia Youth Football, a community youth sports organization. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions.

Premnauth Persaud is a financial advisor with LPL Financial in Concord, CA, holding Series 63 and Series 66 credentials and 22 years of industry experience. His prior roles include positions at Morgan Stanley and Bank of America. He also serves as a Senior Premier Relationship Manager with BMO Investment Services. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management services utilizing both proprietary and third-party strategies across multiple account types.

Darius Bahador serves as a Client Experience Advisor at Merrill Lynch Wealth Management. In this role, he works closely with clients to understand their current financial situations and introduce them to suitable solutions available through Merrill and Bank of America. His approach involves getting to know clients personally to develop strategies that align with their financial goals. Darius has expertise in general investing, retirement planning, and saving for unexpected events. He holds professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). He earned a Bachelor's Degree from McMaster University. He emphasizes ongoing advice and guidance, adapting to clients' evolving needs to help them pursue their financial objectives effectively.

Ian Longtin is a financial advisor at Ameriprise with eight years of industry experience. He holds a Series 66 designation and has been with Ameriprise since 2017, including a prior role at Ameriprise Financial Services, Inc. Outside of his advisory work, Ian serves on the Board of Directors for Berean Christian High School and engages in public speaking and consulting for local groups, churches, and schools. Ameriprise provides retirement-income planning services targeted at individuals approaching or in retirement, with a focus on clients who meet specific asset thresholds. The firm offers a range of advisory, brokerage, and insurance solutions, utilizing a centralized retirement-income consulting team that employs both research and algorithmic tools to produce tailored, non-discretionary recommendations.

Darren Riley is a financial advisor at Morgan Stanley with nine years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Smith Barney LLC since 2013, with a brief period at Merrill from 2021 to 2022. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs including tailored financial planning supported by firm-approved tools and methodology. The firm manages approximately $2.74 trillion in client assets and offers services through both direct and corporate financial planning arrangements.

Arnel Tecson is a Series 66 credentialed financial advisor with LPL Financial in San Ramon, CA, where he has worked since 2007, totaling 19 years of industry experience. Outside of his advisory role, he has been involved in a real estate rental business in Keller, Texas. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions, offering a broad range of financial planning and asset management services through a large network of investment adviser representatives.

James Babson is a CFA® charterholder with 28 years of industry experience. He is currently with Charles Schwab, where he has worked since 2021. Prior to Schwab, he was employed at Aberdeen Asset Management Inc. and Aberdeen Fund Distributors, LLC from 2016 to 2020. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm combines non-discretionary advisory models with access to affiliated discretionary separately managed accounts and offers a range of integrated brokerage, custody, and cash-sweep services.