Sanjay Dhar is a Series 66-licensed financial advisor with 17 years of industry experience. He is currently with Cetera and has previously worked at SagePoint Financial, OSAIC, and Bay Area Wealth Management Group. Outside of advising, he serves as a business consultant for a startup developing an options trading platform and is involved in the sales and service of fixed insurance products. Cetera Investment Advisers LLC is an SEC-registered firm serving a diverse client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a range of portfolio management and financial planning services, operating a multi-manager platform with model portfolios, third-party managers, and customizable strategies.

Ning Jiang is a financial advisor with Mass Mutual Investors Services and holds a Series 66 designation. Jiang has 10 years of industry experience, including roles at Mass Mutual Investors Services since 2017 and MetLife Securities from 2015 to 2017. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, employing collaborative, software-assisted planning processes without discretionary authority over client investments.

Jerome Baird is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. He has been with LPL Financial since 2010. Outside of his advisory role, he is involved with Elegant Stay, LLC, a real estate rental business in Tahoe City, CA. 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 representatives. The firm offers a range of financial planning and advisory programs with both discretionary and non-discretionary management, supported by proprietary and third-party research.

Michaelangelo Maturino is a financial advisor with J.P. Morgan Securities LLC, holding a Series 66 license and bringing 21 years of industry experience. He has worked at JPMorgan Chase Bank, N.A. and JP Morgan Securities since 2014. 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. As a subsidiary of J.P. Morgan, the firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Paul Boscia is a financial advisor with Wells Fargo Clearing in Danville, CA, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2011 to 2016. Outside of his advisory role, he is a 25% owner of La Cienega Gun Club LLC. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Nicholas Ruotolo is a financial advisor at OSAIC with 10 years of industry experience. He previously worked for Lincoln Financial Advisors for nine years and has been affiliated with Saint Mary's College since 2014. In addition to his advisory work, Ruotolo operates a side business offering fixed insurance products. OSAIC Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and nonprofit organizations. The firm provides a wide range of investment and advisory services, utilizing various asset-allocation tools and third-party platforms to support both discretionary and non-discretionary portfolio management.

Simone Lane is a financial advisor with Cetera, holding a Series 66 designation and 13 years of industry experience. She is the owner of Lobdell & Lane Wealth Management and serves as a consultant for Bespoke Budgeting, providing education and teaching services. Cetera Investment Advisers LLC is a nationwide network of independent advisors serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to various third-party money managers.

Phillip Mortensen is a financial advisor with Charles Schwab, holding Series 63 and Series 65 credentials and 13 years of industry experience. He has been with Charles Schwab and Charles Schwab Bank since 2015. Outside of his advisory work, he is involved in a small Airbnb rental business. 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 affiliated discretionary separately managed accounts and offers a multi-asset investment approach supported by in-house research and a formal alternative investment program.

Mo Bai is a financial advisor at Fidelity with Series 66 and Series 63 licenses and four years of industry experience. Prior to joining Fidelity in 2025, Mo worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A., and operated a family daycare business called Rainbow Land Family Daycare from 2022 to 2025. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, using a process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its use of model portfolios, advisory roles to multiple registered investment companies, and incorporation of AI and systematic methodologies in investment management.

Chase Henley is a Series 66-licensed financial advisor with Morgan Stanley in Pleasanton, CA, bringing seven years of industry experience. His work history includes consistent roles at Morgan Stanley and Amherst College from 2016 to the present. Morgan Stanley Wealth Management serves both individuals and institutional clients, offering a wide range of advisory programs and tailored financial planning supported by structured discovery processes and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and provides services under both direct client and corporate financial planning agreements.

Sujan Chyo is a Series 66-licensed financial advisor with Morgan Stanley in Pleasanton, CA, with 20 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a broad range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools and market modeling to support client financial goals.

Nathan Bennett is a CFP® professional with 26 years of experience currently affiliated with Raymond James Financial Services Advisors, Inc. He is also the co-owner and managing partner of Summit Financial Group, LLC, where he serves as CEO and chair of the leadership team. His career includes long-term roles at Securian Financial Services, Inc. and Summit Financial Group. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a wide range of clients including individuals, high-net-worth clients, pensions, corporations, and institutional entities. The firm delivers tailored, non-discretionary advice using analytical modeling and supports its offerings with municipal advisory services and specialized retirement plan consulting.

M. Curtis Bauer is a financial advisor with Cetera, holding a Series 63 designation and bringing 34 years of industry experience. He has been with Cetera and its affiliated entities since 2013. Outside of his advisory role, he serves as a director for a homeowners association, acting as a vendor liaison. 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 a range of portfolio management and financial planning services, utilizing a multi-manager platform that includes affiliated and third-party managers to provide various investment program options.

Kenneth Dammel is a financial advisor at OSAIC with 18 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Woodbury Financial Services, Questar Asset Management, and Sterne Agee Financial Services. He also operates Beckman Investment Securities, a sole proprietorship providing investment advice and services. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and advisory services along with financial planning and access to third-party money managers. The firm employs various tools and platforms to construct diversified portfolios tailored to client needs.

Daniel Mckinney is a financial advisor at Morgan Stanley with 17 years of industry experience. He holds Series 65 and Series 66 licenses and has worked at Morgan Stanley since 2015, with a brief tenure at Merrill in 2017. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies.

Mai Liu is a financial advisor at Charles Schwab with 10 years of industry experience. Liu holds Series 65 and Series 63 licenses and has worked at Charles Schwab since 2022, with prior experience at Morgan Stanley Private Bank and Fidelity Investments. Charles Schwab & Co., Inc. serves a large 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 offers a mix of non-discretionary advice and access to discretionary separately managed accounts, utilizing multi-asset model portfolios and a distinctive operational structure integrating advisory, brokerage, custody, and cash-sweep services.

Joshua Villalta is a financial advisor with Charles Schwab in Walnut Creek, CA, holding Series 63 and Series 66 licenses and seven years of industry experience. Prior to Schwab, he worked at Wells Fargo and J.P. Morgan Securities. In addition to his advisory roles, he was briefly involved with Danville Brewing in 2021. 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, combining non-discretionary advisory with access to discretionary separately managed accounts and a formal alternative investment process.

Martin Johnson is a financial advisor with OSAIC in San Ramon, CA, holding Series 63 and Series 66 licenses and 28 years of industry experience. He previously worked at Lincoln Financial Advisors for 24 years before joining OSAIC in 2025. Johnson also operates insurance-related businesses offering accident, health, disability, long-term care, and life insurance products, as well as commission-based group benefits. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charities through a large network of affiliated advisers and advisory platforms. The firm provides integrated brokerage and advisory services, financial planning, retirement consulting, and access to third-party money managers, using various tools and analysis to construct portfolios that can include a wide range of securities, managed on discretionary or non-discretionary bases.

Sheng Chun Chiu is a financial advisor at Charles Schwab with 22 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Charles Schwab and its affiliated bank since 2012. Charles Schwab serves a large client base, primarily high- and ultra-high-net-worth individuals, offering a combination of non-discretionary advisory and discretionary managed-account services through its Schwab Wealth Advisory program and affiliated investment management firms.

Jeffrey Lee is a Series 66-licensed financial advisor with 11 years of industry experience. He is currently with Raymond James Financial Services Advisors, Inc. and has held roles at Summit Financial Group, Securian Financial Services, and SGC Financial & Insurance Services. Outside of his advisory work, he is an associate advisor with Summit Financial Group, supporting another financial advisor in a non-investment capacity. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual, high-net-worth, institutional, and charitable clients. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports a large advisor network, with specialized municipal finance capabilities and customized employer advisory programs.