Kristofer Van Zanten is a financial advisor at Cambridge Investment Research Advisors with one year of industry experience. He holds the Series 66 designation and has previously worked in various roles including at Silverado Resort and Spa and Terrain. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base that includes individuals, pension plans, charitable organizations, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement plan advisory services delivered through a network of independent financial professionals using multiple platform arrangements and proprietary as well as unaffiliated model strategies.

Lisa Smith is a financial advisor with Merrill in Walnut Creek, CA, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. She has been with Merrill Lynch Pierce Fenner and Smith since 2016. Outside of her advisory role, Smith serves as a panel member for FINRA, arbitrating financial services disputes, and operates a life coaching business. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, providing model-based and discretionary investment strategies for individuals, high-net-worth clients, pensions, corporations, and charitable organizations.

Kylie Kerr is a Financial Advisor at The Thompson Group within Merrill Lynch Wealth Management. She collaborates with a team of mortgage, alternative investment, personal and business banking specialists to offer comprehensive financial services. Working alongside her senior partner, Megan Thompson, Kylie addresses all aspects of clients' financial needs, aiming to provide client-focused care. Kylie specializes in areas including education planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management services, small business strategies, women and wealth, and retirement income. She develops personalized plans that enable clients to actively participate in their financial decisions by exploring various scenarios and their implications. Kylie earned a Bachelor's Degree in Psychology from UCLA, where she was a member of a national championship-winning soccer team, and a Master's Degree in Sports Management from UC Berkeley. She holds the Personal Investment Advisor (PIA) designation and licenses including NMLS# 2684970, CA Insurance License #4502078, and Merrill Life Agency CA License #0522776. Her personal interests include cooking, running, soccer, spending time with family, and traveling.

Steve Doman is a financial advisor with Cambridge Investment Research Advisors, holding a Series 66 designation and 18 years of industry experience. He has been with Cambridge Investment Research Advisors since 2010. Outside of his advisory role, he is an owner of a software company and a mortgage loan brokering business, and volunteers as a clerk for a local church. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base that includes individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent professionals, providing both discretionary and non-discretionary portfolio management across multiple platforms and strategies.

Giuliano Demartini is a financial advisor at Wells Fargo Clearing with five years of industry experience. He holds Series 63 and Series 66 licenses. His prior roles include positions at Builder Advisor Group, LLC and Wells Fargo Advisors. 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 combines research and analytics with diversification principles and modern portfolio theory to evaluate investment options, while also offering a variety of financial products through its bank and insurance affiliates.

Raunak Joseph is a financial advisor with Charles Schwab based in Oakland, CA, holding a Series 66 designation and four years of industry experience. Prior to joining Schwab, he worked at Atlantis Properties and Intrigo System. Charles Schwab & Co., Inc. serves a broad client base primarily composed of 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 operates with a large scale and integrated structure, combining non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and alternative investment offerings.

Mary Jane Sullivan is a financial advisor with Merrill, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. She has been with Merrill since 2009. 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, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Igor Kipnis is a CFP® with 20 years of industry experience, currently serving as a financial advisor at Wells Fargo Clearing since 2016. Prior to this, he worked at Wells Fargo Advisors LLC from 2010 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s approach is IPS-driven and incorporates modern portfolio theory, with a broad range of investment options including insurance-related vehicles and bank deposit sweep programs.

Isaac Cowen is a financial advisor with Charles Schwab in San Ramon, CA, holding a Series 66 designation and five years of industry experience. His work history includes positions at Charles Schwab Bank, Banc West Investment Services, Bank of the West, and Bank of America. 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts, offering multi-asset model portfolios and alternative investment options within a large-scale, integrated operational structure.

Gary Lamusga is a financial advisor at Cetera with 36 years of industry experience. He holds the ChFC® designation and securities licenses Series 63 and Series 65. Prior to joining Cetera in 2023, he spent 34 years at Securian Financial Services, Inc. Lamusga serves as a board member for the Walnut Creek Chamber of Commerce Foundation and the Collaborative Practice of East Bay, and is involved with the Fallen Heroes organization and the National Association of the Remodeling Industry. Cetera Investment Advisers LLC is an SEC-registered firm with a nationwide network of independent advisors serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform that includes affiliated and third-party managers across various program structures and custodial relationships.

Michael Gomez is a financial advisor at Wells Fargo Clearing with 10 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Ameriprise, Bank of America, Merrill, and JP Morgan. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA 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.

Aasher Malik is a Financial Consultant at Fidelity Investments, a position he has held since 2024. Prior to this role, he served as an Investment Consultant and Financial Representative at Fidelity Investments from 2023 to 2024 and 2023 respectively. His professional experience also includes roles at JPMorgan Chase, where he worked as a Lending Development Officer from 2021 to 2022 and as a Vice President and Branch Manager from 2011 to 2021. Mr. Malik holds a California Insurance License. He approaches financial consulting with a focus on simplifying the planning process for clients, emphasizing a personable approach centered around the client and their important relationships.

Purnima Kashyap is a Financial Consultant at Fidelity Investments, a position she has held since 2021. In this role, she works closely with clients to develop personalized financial plans that align with their priorities and future goals. Prior to joining Fidelity Investments, she served as a Financial Solutions Advisor at Merrill Lynch from 2019 to 2021. Her approach involves understanding what matters most to her clients and their families, utilizing available tools and resources to build strong financial strategies. Purnima holds a California Insurance License, supporting her ability to provide comprehensive financial advice.

Peter Valvur is a financial advisor with Wells Fargo Clearing in Walnut Creek, CA, holding Series 63 and Series 66 designations and bringing 23 years of industry experience. His career includes ten years at Wells Fargo Clearing and four years at Wells Fargo Advisors, LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services grounded in modern portfolio theory. The firm’s offerings include investment policy statement preparation, performance reporting, participant education, and a distinctive inclusion of insurance-related vehicles and bank deposit sweep options within its investment menus.

Eric Medina is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing eight years of industry experience. His career includes roles at Wells Fargo Clearing and Wells Fargo Bank NA before joining J.P. Morgan in 2023. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm delivers these services on a non-discretionary basis, combining institutional advisory capabilities with affiliated brokerage and investment management functions.

Brandon York is a financial advisor at RBC Capital Markets with 28 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley and Morgan Stanley Private Bank prior to joining RBC in 2018. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm offers multiple wrap fee advisory programs featuring discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services tailored to each client’s Advisory Risk Profile.

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.

David Tsang is a financial advisor at Merrill with 11 years of industry experience. He holds a Series 66 designation and has been with Bank of America and Merrill since 2015. Outside of his advisory role, he works part-time as a taxi driver for Uber and owns a marriage agency that assists individuals in finding marriage partners. 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, offering model-based and discretionary strategies for a range of clients including individuals, high-net-worth clients, and charitable organizations.

Jeremy Gee is a financial advisor at Charles Schwab with Series 65 and Series 63 licenses and four years of industry experience. His prior roles include positions at Northwestern Mutual Wealth Management and Investment Services, as well as a brief tenure at Alex Icaza. 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 advisory solutions supported by centralized custody and a multi-asset strategic investment approach.

Charlie Park is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and three years of industry experience. He has worked at Wells Fargo Bank, N.A. since 2019 and was previously involved with C.H. Trading Co. DBA OK Beauty Supply for thirteen years. 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 approach 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.