Jacquelyn Hernandez is a financial advisor with Merrill in Walnut Creek, California, holding a Series 66 designation and 19 years of industry experience. Her prior roles include positions at Wells Fargo Clearing and Wells Fargo Advisors LLC. She serves as a board member of Benicia Youth Football, a community youth sports organization. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, and other fiduciaries.

Premnauth Persaud is a financial advisor with LPL Financial in Concord, CA, holding Series 63 and Series 66 licenses and having 22 years of industry experience. His prior roles include positions at Morgan Stanley, Bank of America, and Merrill. He also serves as a Senior Premier Relationship Manager at BMO Investment Services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, and institutions, offering financial planning, advisory programs, and brokerage services through a large national network.

Daoud Kayoumi is a Financial Consultant at Fidelity Investments, a role he has held since 2023. In this position, he partners with clients to understand their financial goals, develop personalized plans, and provide investing guidance. He focuses on ensuring clients understand where their money is invested, the performance of their investments, and associated costs. Prior to his current role, Daoud held positions including Account Executive at Salesforce from 2022 to 2023, Vice President Financial Consultant at Charles Schwab from 2021 to 2022, Financial Advisor at Equitable from 2019 to 2021, and Branch Service Specialist at Union Bank from 2017 to 2018. He holds a California Insurance License.

Darius Bahador is a Financial Advisor at Merrill Lynch Wealth Management. In his role, he works closely with clients to understand their personal financial goals and develops tailored strategies to address their short-, mid-, and long-term objectives. His responsibilities include providing guidance on general investing, retirement planning, and preparing for unexpected financial needs. He also facilitates access to specialists from Bank of America for services related to banking, credit, home financing, and small business solutions. Darius holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. He earned a Bachelor's Degree from McMaster University. His approach emphasizes getting to know clients and understanding what matters most to them, which informs his ongoing advice and guidance as their needs evolve.

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 financial advisor with LPL Financial in San Ramon, CA, holding a Series 66 designation and bringing 18 years of industry experience. He has been with LPL Financial since 2007. Outside of his advisory role, he is involved in real estate rental activities in Keller, Texas. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

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.

David Traverso is a financial advisor with Morgan Stanley in Oakland, CA, holding a Series 63 designation and bringing 58 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and the Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a wide range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and modeling techniques.

William Caddick Jr. is a financial advisor at Ameriprise with 20 years of industry experience. He holds a Series 66 designation and has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he has an investment-related interest in single-family real estate ownership. Ameriprise offers a retirement-income planning service tailored for individuals approaching or in retirement who meet specific asset criteria, providing detailed Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis, with a centralized consulting team supporting advisors in delivering customized, algorithm-assisted retirement income recommendations.

Kyle Ashcraft is a financial advisor with Wells Fargo Clearing, holding a Series 66 license and four years of industry experience. His career includes multiple terms at Wells Fargo Clearing and Edward Jones. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services, managing approximately $671 billion in assets with over 14,000 financial advisors.

Ian Lee is a financial advisor at Cetera with 33 years of industry experience. He holds a Series 63 license and has been with Cetera and its related entities since 2013. Outside of his advisory role, Lee serves on the investment committee for the Walnut Creek Presbyterian Church Foundation and is a member of the stewardship committee at Walnut Creek Presbyterian Church. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of advisors. The firm offers a range of portfolio management and financial planning services with access to various program platforms and third-party managers.

Shelby Buccellato is a financial advisor with Morgan Stanley in Orinda, CA, holding Series 63 and Series 65 designations and bringing 25 years of industry experience. She has been with Morgan Stanley since 2013. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a broad range of advisory programs to individuals and institutional clients. The firm provides tailored financial planning supported by structured discovery processes and firm-approved tools, managing approximately $2.74 trillion in client assets.

Allison Schwarz is a CFP® professional with four years of industry experience, currently affiliated with Wells Fargo Clearing. Her prior experience includes roles at Russell Investments Implementation Services and Penserra Securities. Outside of finance, she has worked in diverse fields including psychology research and the service industry. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with a range of investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and supports its clients through a combination of brokerage and advisory solutions.

Radhika Srinivasan is a financial advisor at Charles Schwab with 18 years of industry experience and holds a Series 66 designation. Her prior work includes positions at Wells Fargo Bank, Wells Fargo Clearing, and Wells Fargo Advisors LLC. Charles Schwab serves a large client base primarily consisting of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering bundled advisory, brokerage, custody, and financial planning services. The firm combines a non-discretionary client relationship model with access to affiliated discretionary separately managed accounts and employs multi-asset model portfolios supported by research from the Schwab Center for Financial Research.

Norman Ng is a financial advisor with Morgan Stanley in Walnut Creek, CA, holding Series 63 and Series 65 licenses and having 31 years of industry experience. He has been with Morgan Stanley since 2015 and joined Morgan Stanley Private Bank, N.A. in 2025. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools including Global Investment Committee’s Secular Return Estimates and Monte Carlo simulations to model financial outcomes.

Griffin Turner is a financial advisor at UBS Financial Services with a Series 66 designation and one year of experience. His career includes roles at Morgan Stanley and teaching positions at several universities and a high school. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory services, employing proprietary capital market assumptions and research to tailor plans based on clients’ goals and risk tolerances. The firm combines institutional trading capabilities with wealth management services and offers a broad range of financial products and advisory solutions.

George Arrivas is a financial advisor at Edward Jones with 11 years of industry experience. He holds Series 63 and Series 66 registrations and has previously worked at Bank of America, Merrill, and earlier at Edward Jones. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

James Smith is a financial advisor with J.P. Morgan Securities in San Ramon, CA, holding Series 63 and Series 66 licenses and bringing 13 years of industry experience. He has worked with J.P. Morgan Securities since 2012 and has been affiliated with JPMorgan Chase Bank, N.A. since 2011. 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 through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Thomas Taylor is a CFP® professional with 34 years of industry experience, currently affiliated with Cetera. His career includes multiple roles within Cetera entities since 2013. Outside of financial advising, he owns and oversees operations of a retreat and inn in Big Bear City, California. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporations, charitable clients, and institutions. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to both affiliated and third-party investment managers.