Christopher Manzi is a financial advisor with LPL Financial in San Mateo, CA, holding a Series 66 designation and 19 years of industry experience. Prior to joining LPL Financial in 2020, he worked at SGC Financial, Minnesota Life, and Securian Financial Services Inc. between 2016 and 2020. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing model portfolios and research from LPL Research and third-party subadvisors.

Vic Leung is a financial advisor at Cetera with four years of industry experience. He holds a Series 66 designation and has previously worked at Merrill and Wells Fargo. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various discretionary and non-discretionary portfolio management and financial planning services.

Sahil Dilawari is currently serving as Vice President and Branch Leader. He has been working as a Financial Consultant at Fidelity Investments since 2020. Prior to this role, he was a Private Client Advisor at J.P. Morgan Chase from 2018 to 2020 and held the position of Senior Manager at Alliant - LPL Financial from 2012 to 2018. Sahil's professional experience spans comprehensive financial planning and investment strategies. He holds a California Insurance License and is focused on delivering wealth planning services tailored to client priorities. He is committed to helping clients and their families by developing customized financial plans that address their specific needs and goals.

Karla Lee is a financial advisor at Morgan Stanley with seven years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley since 2022, including a role at Morgan Stanley Private Bank. Her prior experience includes positions at JP Morgan Securities, JP Morgan Chase Bank, and Bank of America. Lee also serves on the advisory board at the University of San Francisco, assisting with MBA student projects. Morgan Stanley Wealth Management serves both individual and institutional clients, offering advisory programs that include tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm‑approved tools and modeling techniques.

Tayo Ogundiya is Vice President and Executive Planning Consultant at Fidelity Investments, where he has been serving since 2020. In this role, he partners with clients to develop comprehensive long-term financial plans and detailed investment strategies that incorporate workplace benefits and equity compensation. He emphasizes establishing long-term relationships based on trust and reliability to help clients work toward their financial goals. Tayo has been with Fidelity Investments since 2010, holding various roles including Relationship Manager, Financial Consultant, Service and Trading Manager, and High Net Worth Supervisor. He holds a California Insurance License. Outside of his professional responsibilities, Tayo enjoys concerts, hiking, movies, music, and writing.

Askar Habybayli is a financial advisor at J.P. Morgan Securities with Series 63 and Series 66 credentials and two years of industry experience. Prior to joining J.P. Morgan Securities, he held various roles including positions in retail and education sectors. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm uses a combination of quantitative asset-allocation modeling and centralized due diligence, applying an ESG eligibility framework when recommending investment strategies.

Casey Kehr is a financial advisor with Ameriprise in Danville, CA. He holds the Series 66 designation and has been with Ameriprise since 2023. Prior to joining Ameriprise, he held positions at Cal State University East Bay, elfinSupport, Cal State University Chico, Lamorinda Pizza, and San Ramon Valley High School. Ameriprise is a large institutional firm offering a retirement-income planning service aimed at individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide written, non-discretionary recommendations, primarily for clients maintaining accounts within Ameriprise.

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.

Taressa Soto is a financial advisor at Osaic with four years of industry experience. She holds a Series 66 designation and previously worked at Lincoln Financial Advisors for five years. Soto is also licensed to offer and service fixed insurance products, including annuities and various types of insurance. Osaic Wealth, Inc. serves a broad range of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms. The firm integrates brokerage and investment advisory services with tools such as asset-allocation models, risk-tolerance questionnaires, and automated rebalancing to manage diversified portfolios.

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.

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.

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.

Angelo San Mateo is a CFP® with 10 years of industry experience, currently advising at Charles Schwab. His prior work includes roles at JP Morgan Chase Bank and TD Ameritrade Investment Management. He holds Series 63 and Series 66 licenses. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering both non-discretionary advisory and discretionary separately managed accounts. The firm combines integrated brokerage, custody, and advisory services with a multi-asset investment approach and access to alternative investments.

Matthew Hagen is a financial advisor at Fisher Investments with 19 years of industry experience. He holds a Series 65 designation and has been with Fisher Investments since 2006. Fisher Investments serves a global mix of institutional and private clients, including pension and profit-sharing plans, foundations, investment companies, and high-net-worth individuals, providing discretionary portfolio management across various asset classes. The firm employs a centralized investment process combining quantitative and qualitative research to construct diversified portfolios and offers sub-advisory and retirement plan services.

Justin Green is a Senior Financial Advisor at Merrill Lynch Wealth Management with over 20 years of experience in the financial industry, beginning his career in 2002. He is committed to helping clients achieve their financial goals by providing personalized wealth management strategies tailored to their individual circumstances. Justin works closely with clients to simplify complex financial matters through time-tested investment and planning principles, offering access to a full spectrum of investment choices alongside the resources of Merrill Lynch and Bank of America. His expertise covers areas such as retirement planning, tax minimization, estate planning services, lifetime income management, college education planning, family wealth management strategies, and portfolio management services. Justin emphasizes building enduring relationships by gaining a deep understanding of his clients' lives and priorities, ensuring that each financial strategy aligns with their long-term goals. Justin holds a Bachelor of Science degree in Business Administration with majors in Finance and Banking from San Francisco State University. He carries the designation of Personal Investment Advisor (PIA). Fluent in English and Spanish, he resides in San Ramon, California, with his wife Susy and two children, Jovany and Vanessa. Outside of his professional interests, Justin enjoys baseball, hiking, swimming, traveling, and exploring different cultures.

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.