Stephane Johnston is a Financial Consultant at Fidelity Investments, where he has been assisting clients since 2020. He specializes in wealth planning using a goals-based planning approach to help clients achieve their financial objectives. Prior to this role, Stephane served as a Vice President Senior Private Client Advisor at Bank of the West from 2016 to 2020 and as an Investment Counselor at Fisher Investments from 2014 to 2016. Stephane holds a California Insurance License, supporting his ability to provide comprehensive financial advice. Outside of his professional responsibilities, he engages in various personal interests including family activities, golf, running, soccer, traveling, and volunteering.

Celia Sandel is a financial advisor with Mass Mutual Investors Services, holding CFP® and Series 66 credentials and bringing 27 years of industry experience. She has worked with MML Investors Services LLC and MassMutual Life Insurance Company since 2011. In addition to her advisory role, she also operates as an individual life and group health insurance sales agent. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, and charitable organizations. The firm provides ongoing financial planning, asset management, and education through collaborative annual engagements using firm-approved analytical tools.

Veronica Weir is a financial advisor at Merrill with 17 years of industry experience. She holds a Series 66 designation and has been with Merrill since 2011. 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. The firm offers a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Devenaire Wright is a financial advisor at Charles Schwab with two years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked with firms including Northwestern Mutual and Price Family INEOS Grenadier of Marin. His background also includes five years at Toyota and four years at Legion. Charles Schwab 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 affiliated discretionary separately managed accounts and offers a multi-asset model portfolio investment approach supported by centralized custody and comprehensive operational infrastructure.

Christopher Eckhardt is a financial advisor at UBS Financial Services with 27 years of industry experience. He holds Series 63 and Series 65 credentials and previously worked at Bank of America and Merrill. Eckhardt is based in Walnut Creek, CA. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, leveraging proprietary research and capital market assumptions to tailor client solutions.

Piers Sullivan is a Planning Consultant at Fidelity Investments, where he works with clients to build toward their unique goals through strategic financial planning. He has been with Fidelity Investments since 2020, progressing from Financial Representative to Relationship Manager, and currently serving as a Planning Consultant since 2023. Piers holds a California Insurance License. Outside of his professional career, he has interests in fitness, golf, reading, surfing, and tennis.

Barbara Ernst is a financial advisor with Cetera, holding the ChFC® designation and Series 63 and 66 licenses, and has 22 years of industry experience. She previously worked with Allstate Financial Advisors, LLC and Allstate Insurance Co for over a decade. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers portfolio management, financial planning, and access to multiple program platforms and third-party money managers, managing over $256 billion in assets.

David Carlisle is a Series 66-licensed financial advisor with Thrivent Investment Management, where he has worked since 2014 and at THRIVENT Financial since 2015, totaling 11 years in the industry. He is active in youth development as Committee Chairman for Cub Scouts Pack 914 and as an Assistant Scoutmaster for Boy Scouts Troop 924 in Livermore. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofits through a large network of advisors, focusing on holistic, goal-based planning across a broad range of financial topics without discretionary trading authority.

Ian Staley is a financial advisor with OSAIC based in Pleasanton, CA, holding a Series 66 designation and 26 years of industry experience. His prior roles include positions at Royal Alliance Associates, Signator Investors, Transamerica Financial Advisors, and Emmett A. Larkin Company. He is also the owner of Staley Financial Services, a sole proprietorship focused on life insurance sales and case design. OSAIC Wealth serves a diverse client base including retail and institutional investors, offering brokerage and advisory services through a multi-advisor platform. The firm employs a model-based investment approach with portfolio optimization tools and supports discretionary and non-discretionary strategies across various account types.

Oyunkhand Tserennadmid is a financial advisor with Mass Mutual Investors Services holding a Series 66 designation and beginning their career in 2026. Their prior experience includes roles at UBS Financial Services and MassMutual Life Insurance Company. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers with financial planning, asset management, and educational programs. The firm offers collaborative annual planning engagements using firm-approved tools and provides specialized services such as divorce planning and employer-sponsored planning programs.

Spencer Jung is a financial advisor at Osaic Wealth in San Ramon, CA, holding a Series 66 designation with five years of industry experience. Prior to joining Osaic in 2025, he worked at Lincoln Financial Advisors for four years and has held positions at O'Brien Wealth Partners, Northeastern University, and Grantham, Mayo & Van Otterloo. Outside of advising, he sells life, disability, and long-term care insurance products. Osaic Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform that offers brokerage and advisory services. The firm employs a model-based investment approach featuring asset allocation, portfolio optimization, and various managed account programs across a complex network of affiliated firms.

Ravi Tarekere is a financial advisor at Equitable Advisors in Walnut Creek, CA, holding Series 63 and Series 65 designations with 15 years of industry experience. He has worked at Equitable Advisors since 2016 and previously with Axa-Advisors and Primerica Advisors. Equitable Advisors serves a diverse client base including individuals, pension plans, corporations, and charitable organizations, providing financial planning, retirement consulting, and asset management through a network of Investment Adviser Representatives. The firm utilizes a range of advisory models, including third-party TAMPs and discretionary management, and offers services that include ERISA fiduciary support and access to various investment vehicles such as mutual funds, ETFs, and alternative investments.

Phillip Hohn is a Senior Financial Advisor with Merrill Lynch Wealth Management. He leads the Hohn Group, which provides customized, objective guidance to clients with a focus on creating personalized wealth management strategies that prioritize risk-averse investment portfolios and streamlined financing options. The group serves technology executives, high-net-worth individuals, and small business owners across 16 states. Phillip offers expertise in areas such as portfolio management, retirement planning, education and estate planning, concentrated stock exit strategies, and corporate retirement plan asset management. With over four decades of industry experience, Phillip and his team emphasize a holistic and individualized approach to wealth management, tailoring strategies to each client's unique goals, time horizon, and risk tolerance. The group extensively supports clients with stock option and Employee Stock Plan Services, particularly assisting Silicon Valley technology executives since 1998. Phillip holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Phillip earned his High School Diploma/GED from Chabot College. He is bilingual in Persian and English. Outside of his professional focus, Phillip engages in community volunteer work and enjoys personal interests such as biking, boating, camping, fishing, hiking, reading, woodworking, traveling, spending time with family, and watching movies.

Blake Welpton is a Wealth Management Advisor with over 25 years of experience in the financial industry. He is dedicated to helping clients achieve their long-term financial goals through a comprehensive and personalized wealth management process. Blake offers expertise in investments, wealth and risk management, retirement planning, long term care, education, divorce, and estate planning services. He provides clients with access to the resources of Merrill Lynch Wealth Management and the banking services of Bank of America. Blake holds the Chartered Financial Consultant (ChFC) and Certified Divorce Financial Analyst (CDFA) designations. He earned a Bachelor's degree from California State University San Francisco. His approach emphasizes personalized service aimed at making the financial aspects of life easier for his clients. Outside of his professional work, Blake enjoys basketball, billiards, boating, bowling, football, gardening, spending time with family, swimming, and traveling. He is active in the community, supporting organizations such as Beyond Emancipation and Children's International.

Sean Sato is an Investment Consultant at Fidelity Investments, a role he has held since 2026. He has been with Fidelity Investments since 2022, serving in various capacities including Planning Consultant, Relationship Manager, and Financial Representative. As a CERTIFIED FINANCIAL PLANNER® professional, Sean focuses on helping clients make informed financial decisions with clarity and confidence. Sean holds a California Insurance License, supporting his ability to advise clients on insurance matters as part of comprehensive financial planning. Outside of his professional responsibilities, Sean enjoys cooking and baking, exploring food as a foodie, playing golf, engaging in outdoor adventures, spending time with pets, and traveling.

Winky Li is a Planning Consultant at Fidelity Investments, a role she has held since 2022. In this position, she collaborates with financial consultants to help clients leverage Fidelity's resources and planning tools to work towards their financial goals. Prior to this, she served as a Relationship Manager at Fidelity Investments from 2021 to 2022. Her professional experience also includes roles as a Premier Banker at Wells Fargo (2020-2021), a Relationship Manager at Bank of America (2019-2020), and a Lending Officer at East West Bank (2017-2019). Winky holds a California Insurance License, which supports her work in the financial services industry. Outside of her professional career, she enjoys attending concerts, social events with friends, kayaking, photography, theater, and traveling.

Edward Padnos is a financial advisor with Mass Mutual Investors Services and holds a Series 66 designation. He has been in the financial industry since 2026, with prior experience at Lenox Advisors, Inc., MassMutual Life Insurance Company, and MML Investors Services, LLC. Outside of finance, his background includes work in education and political campaign offices. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, annual financial planning engagements using firm-approved tools and delivers written recommendations without investment discretion.

Danilo Garcia is a financial advisor at Morgan Stanley in Walnut Creek, CA, holding Series 65, 63, and 66 licenses with eight years of industry experience. He previously worked at J.P. Morgan Securities and UBS Financial Services and has been involved in boxing training and mental skills coaching through his personal business, Danilo Jacob LLC. Morgan Stanley Wealth Management offers a range of advisory programs to individuals and institutions, providing tailored financial planning supported by structured discovery and firm‑approved tools.

Alexandra Wlassowsky is a financial advisor with MassMutual Investors Services, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. Her career includes positions at Merrill Lynch, Wells Fargo Clearing Services, LPL Financial, Citigroup Global Markets, and a period of self-employment before joining her current firm. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars using collaborative, goal-focused planning processes and a range of investment programs.

Yu Chen is a financial advisor at J.P. Morgan Securities with three years of industry experience. He holds a Series 66 designation and has prior work experience with Mass Mutual Investors Services and Urumqi TianRong MicroCredit Co., LTD. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research to build model asset allocations and incorporates ESG considerations within a non-discretionary program.