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.

Dareal Harmon is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 credentials and seven years of industry experience. His prior roles include positions at LPL Financial, BMO, J.P. Morgan, and First Republic, among others. Outside of finance, he is a business owner of several brands and works as a caregiver through in-home supportive services. Wells Fargo Clearing provides retirement plan consulting for qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Virgil Threlkeld is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and possessing 29 years of industry experience. He has worked at several firms including Advantage Wealth Advisors, First Allied Advisory Services, First Allied Securities, Cetera Wealth Services, UBS Financial Services, and Morgan Stanley. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, utilizing both discretionary and non-discretionary strategies supported by advisor tools, with oversight of substantial discretionary assets and a large advisor network.

Patrick Mc Ginty is a financial advisor at Morgan Stanley with a Series 66 credential and three years of industry experience. He has worked at Morgan Stanley since 2023, including a role at Morgan Stanley Private Bank, N.A. since 2025. His prior experience includes positions at First Republic Securities Company, LLC and First Republic Investment Management, Inc. Morgan Stanley Wealth Management serves both individual and institutional clients by offering a range of advisory programs and tailored financial planning. The firm employs a structured planning process utilizing firm-approved tools and models to assist clients in managing approximately $2.74 trillion in assets.

Benjamin Lam is a financial advisor at UBS Financial Services with 43 years of industry experience. He holds Series 63 and Series 65 credentials and has been with UBS since 2016. Lam jointly owns several rental properties with his spouse, though he does not participate in their management. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining proprietary asset allocation models and research to tailor plans to clients’ goals. The firm integrates institutional trading capabilities with wealth management and provides a broad range of financial services including fee-based planning, portfolio management, and capital markets support.

Andrey Movsesyan is a Wealth Management Advisor at Merrill Lynch Wealth Management. He brings 20 years of experience in financial services, having started his career at Citibank in 2005 and subsequently working at Wells Fargo Private Bank, Abbot Downing (formerly Wells Fargo Family Wealth), First Republic Bank, Prudential Financial, and BBVA Global Wealth. Throughout his career, he has assisted teams in managing investments for institutional and individual clients with assets ranging from $1 million to $1 billion. Andrey holds a Bachelor's degree in Economics and an MBA from San Francisco State University. He has earned several professional designations, including Chartered Financial Analyst (CFA), CERTIFIED FINANCIAL PLANNER (CFP), Chartered Market Technician (CMT), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). His expertise includes education planning, family wealth management strategies, liquidity management, retirement income planning, and tax minimization. Residing in Danville, California, Andrey enjoys spending time with his wife, Anastasiia, and their two children, Katerina and Viktor. The family often spends time outdoors, particularly at their cabin in Groveland, near Yosemite National Park. He is actively involved in his community and serves as a board member for the Epilepsy Foundation of Northern California.

Robby Engeldinger is a financial advisor at Wells Fargo Clearing with nine years of industry experience. He holds Series 66 and Series 63 licenses and has worked at several firms, including LPL Financial, BMO Bank NA, and Bank of America. Outside of his advisory role, he is a co-owner of a rental property in Arnold, California. Wells Fargo Advisors is a national securities firm offering investment advisory, financial planning, and retirement plan consulting services to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Ron Freund is a financial advisor with LPL Financial, holding a Series 63 license and over 42 years of industry experience. His career includes long tenures at The Social Equity Group, Inc., Financial West Group, and Western International Securities, Inc. He also provides research services to The Social Equity Group, an independent investment advisor firm. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a wide range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by extensive operational and research tools.

Vener Lansang is a financial advisor at Ameriprise with nine years of industry experience. He holds a Series 66 designation and has been with Ameriprise since 2014, including its predecessor firm. Ameriprise is a large institutional firm that offers a retirement-income planning service focused on clients approaching or in retirement with significant investable assets. The firm provides a range of advisory, brokerage, and insurance solutions, combining research, modeling, and tax-efficient strategies to deliver personalized, non-discretionary recommendations.

John Saylor is a financial advisor with LPL Financial in Concord, CA, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has worked at LPL Financial since 2015 and operates Saylor Insurance & Financial Services, which he has owned since 1999. Outside of his advisory roles, he is involved with Credit Risk Management, LLC, focusing on property and casualty. 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 solutions, utilizing model portfolios, third-party subadvisors, and customized strategies across various asset classes.

Bryan Matheney is a financial advisor at J.P. Morgan Securities with 16 years of industry experience. He holds Series 63 and Series 65 licenses and has been with J.P. Morgan Securities since 2012. Outside of his advisory role, he has limited involvement in a real estate investment LLC formed to purchase property in Star, Idaho. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm delivers recommendations on a non-discretionary basis and integrates institutional advisory capabilities with affiliated brokerage and investment management services.

Kevin Mcgregor is a financial advisor at Cetera with 31 years of industry experience. He holds Series 63 and Series 65 licenses and has a background that includes roles at Avantax Investment Services and Avantax Insurance Agency. In addition to his advisory work, he operates tax preparation and accounting businesses and serves as a fiduciary managing finances and long-term care matters for clients. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a range of portfolio management and financial planning services and features a multi-manager platform with access to both affiliated and third-party investment strategies.

James Collini is a financial advisor with Stifel in Walnut Creek, CA, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has been with Stifel Nicolaus & Co. Inc. since 2008. Outside of his advisory role, Collini serves as a board member for Friends of Camp Concord, a nonprofit that raises funds to send underprivileged children to summer camp, and is president of the Charles Reid Foundation, which organizes an annual Christmas event for poor children. Stifel provides brokerage and investment advisory services to a diverse client base including individuals, institutional clients, and charitable organizations. The firm employs a proprietary investment methodology developed by its Investment Strategy Group to offer asset allocation and planning analyses, with clients retaining discretion over implementation.

David Weed is the Vice President and Branch Leader at Fidelity Investments, a position he has held since 2023. He leads a team of financial advisors who work with clients to pursue their financial goals. Prior to this role, he served as Vice President and Regional Planning Consultant from 2018 to 2023, Assistant Branch Office Manager from 2015 to 2018, and began his career with Fidelity as a Financial Consultant from 2012 to 2015. David holds a California Insurance License. Outside of his professional responsibilities, he enjoys camping, family activities, fitness, football, social events with friends, and snowboarding.

Jonathan Negrete Torres is a Financial Consultant at Fidelity Investments, where he has been working since 2026. He has held various roles at Fidelity since 2022, including Investment Consultant, Relationship Manager, and High Net Worth Associate. Prior to his tenure at Fidelity, he worked as a Registered Administrative Associate at LPL Financial from 2021 to 2022. Jonathan holds a California Insurance License, supporting his work in financial consulting. His approach involves listening to clients and understanding their financial priorities to create customized strategies that align with their life goals. Outside of his professional work, Jonathan's interests include family activities, fitness, golf, outdoor adventures, and soccer.

Ethan Moberg is a financial advisor at Morgan Stanley in Oakland, CA, holding a Series 66 designation. He has been with Morgan Stanley since 2025 and previously worked at Alo, Vuori, and Ritz-Carlton. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm provides tailored financial planning and a wide range of advisory programs, managing approximately $2.74 trillion in client assets.

Janna Magdaleno is a Series 66-credentialed financial advisor with 15 years of industry experience. She currently works at J.P. Morgan Securities and JPMorgan Chase Bank, N.A., having previously been with Morgan Stanley Wealth Management and Bank of America Merrill Lynch. Magdaleno is also involved in business activities with TNT Land Holdings LLC and Terra Nova Trading Inc. 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.

Brandon Wise is a financial advisor at Wells Fargo Advisors with two years of industry experience. He holds the Series 66 designation and has previously worked at Osano and Multiview. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that offers investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services, including specialized areas such as business-owner transition and sports & entertainment planning, using proprietary research and tools to develop customized recommendations.

Jaime Zapata is a Series 65-credentialed financial advisor with Cambridge Investment Research Advisors in Walnut Creek, CA, and has one year of experience with the firm. He has been associated with Cambridge Investment Research, Inc. since 2016. Cambridge Investment Research Advisors is a large SEC-registered adviser that serves a diverse client base including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory through a network of independent Financial Professionals, employing a range of portfolio management strategies tailored to client objectives.

Nick Klarman is a Financial Consultant who collaborates with clients and their families to develop secure financial plans that encompass retirement planning, investment strategy, and income protection. He emphasizes education to simplify complex financial topics and strives to provide a white-glove experience that facilitates the co-creation of holistic financial plans tailored to individual needs. Nick's professional experience includes roles as an Investment Consultant at Fidelity Investments from 2025 to 2026, and as a Financial Representative at the same firm from 2023 to 2025. He holds a California Insurance License, supporting his expertise in income protection and insurance-related financial planning. Outside of his professional work, Nick engages in family activities, social events with friends, golf, and outdoor adventures.