Gerald Guintu is a financial advisor at OSAIC with 25 years of industry experience. He holds the CFP® designation along with Series 63 and Series 66 licenses. Prior to joining OSAIC in 2023, he spent 14 years at Sagepoint Financial, Inc. Outside of his primary advisory role, he owns DR Yachts LLC, which involves marketing charter services and vessel maintenance. OSAIC serves a wide range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and advisory services alongside financial planning and retirement consulting. The firm employs a variety of investment tools and platforms to construct diversified portfolios tailored to client preferences.

Carlina Phan is a financial advisor at LPL Financial with six years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Patelco Credit Union, CUSO Financial Services, Wells Fargo Clearing Services LLC, and Wells Fargo Bank NA. Outside of her advisory role, she is involved with Patelco Financial Solutions, a business related to her LPL activities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing model portfolios and research from various sources.

Gareth Crossley is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he has been serving clients since 1998. He holds the CERTIFIED FINANCIAL PLANNER® designation awarded by the Certified Financial Planner Board of Standards, Inc., the Chartered Retirement Planning Counselor™ designation from the College for Financial Planning Institutes Corp., and the Wealth Management Advisor (WMA) title, which demonstrates his expertise in advanced wealth management strategies. Gareth is a graduate of the United States Naval Academy and served in the Marine Corps for seven years, leaving as a Captain. His areas of expertise include college education planning, executive compensation, family wealth management strategies, investment consulting for defined contribution plans, legacy planning, managing new wealth, personal retirement planning, and portfolio management services. He lives in Danville, CA, with his wife Tiffiny and son Tristan. Gareth and his family enjoy spending time outdoors and exploring different parts of the world.

Martin Warner is a Senior Financial Advisor with Merrill Lynch Wealth Management. He specializes in personalized wealth management strategies, helping clients pursue goals such as college education planning, liquidity management, managing new wealth, retirement planning and income, portfolio management, and individual and corporate investment strategies. Martin holds a Bachelor's Degree from Saint Mary's College of California and is designated as a Personal Investment Advisor (PIA). He supports clients by developing financial strategies tailored to their long-term objectives. Additionally, Martin maintains a commitment to community involvement through volunteer work with local organizations, reflecting the Merrill tradition of community participation.

Cristania Gourdet is a financial advisor with Edward Jones in San Leandro, CA, holding a Series 66 designation and seven years of industry experience. She previously worked at US Bank from 2015 to 2019 before joining Edward Jones in 2019. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs and investment strategies through a nationwide network of over 23,700 financial advisors.

Ashveen Goundar is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and four years of industry experience. He has worked at Wells Fargo Bank, N.A. since 2016 and has held positions at Jack in the Box and Nations Hamburger. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions supported by research from the Wells Fargo Investment Institute.

Frederick Ferber is a financial advisor with Morgan Stanley in Walnut Creek, CA, holding Series 63 and Series 65 credentials and bringing 24 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2009 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and tailored financial planning, managing approximately $2.74 trillion in client assets.

Diego Andres Clavijo Arnez is a financial advisor at Ameriprise with a Series 66 designation and less than one year of industry experience. Prior to joining Ameriprise, he worked in various roles including positions at Grand Sierra Resort and Casino, Jackson's Hardware, and Banana Republic. Ameriprise provides retirement-income planning services primarily for individuals with significant investable assets, offering detailed recommendation reports on income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax efficiency analysis in its advisory approach and maintains a centralized team to deliver these services.

Ryan Minkin is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. His prior work experience includes roles at Bank of America, Golden 1 Credit Union, and the University of California, Davis. 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 model-based and discretionary strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Bobby Chung is a Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2018. Prior to this, he gained experience as a Senior Financial Consultant at TD Ameritrade from 2015 to 2018, and as a Financial Specialist at PNC from 2013 to 2015. Bobby works closely with clients to understand their financial goals and develops personalized strategies tailored to their unique needs. He holds a California Insurance License, which supports his ability to provide comprehensive financial and insurance guidance. Bobby emphasizes building lasting relationships with clients based on trust, integrity, and exceptional service, offering knowledgeable guidance and ongoing advice. Outside of his professional work, Bobby enjoys biking, participating in family activities, social events with friends, parenthood, and spending time with pets.

Thomas Fezler is a financial advisor at Ameriprise with 31 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Ameriprise since 2009. Outside of his advisory role, Fezler serves on the Board of Directors for Holy Spirit CYO and is involved with the Holy Spirit School Board’s Finance Committee. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning that focuses on dependable income sources and tax-aware withdrawal strategies. The firm’s retirement income service uses research and algorithmic tools to provide tailored recommendations within a defined investment universe.

Nathaniel Hurst is a financial advisor with Ameriprise in Walnut Creek, CA, holding a Series 66 designation and 19 years of industry experience. He has been with Ameriprise and its affiliated entity since 2014. Ameriprise offers retirement-income planning services primarily for individuals with significant investable assets, delivering tailored, research-driven recommendations that incorporate tax efficiency and Social Security strategies. The firm combines algorithmic tools with advisory oversight to produce non-discretionary retirement plans, focusing on clients who maintain assets within Ameriprise-managed accounts.

Micah Johnson is a financial advisor with LPL Financial in Danville, CA, holding a Series 66 designation and three years of industry experience. Prior to joining LPL Financial, he worked at Empire Pavers and Empire Medical. Outside of his advisory role, he has involvement in a for-profit reseller business. 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 provides financial planning, various advisory programs, retirement plan consulting, and brokerage services with discretionary and non-discretionary management options supported by research and model portfolios.

Stephen Lee is a financial advisor with Cetera who holds a Series 66 designation and has five years of industry experience. He has worked at Cetera Wealth Services, LLC since 2021 and is the owner of Redwood Wealth, a financial services firm. Prior to his financial advisory career, he was employed at the New York City Department of Small Business Services from 2015 to 2023. Cetera Investment Advisers LLC serves a wide range of clients including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through a multi-manager platform that supports both discretionary and non-discretionary strategies.

Jennifer Delgadillo is a financial advisor with Wells Fargo Clearing in Walnut Creek, CA, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. She has worked at Wells Fargo Advisors LLC from 2009 to 2016 before joining Wells Fargo Clearing, where she has been since 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Clement Richardson is a financial advisor with OSAIC, holding a Series 66 designation and bringing 25 years of industry experience. He has worked at OSAIC since 2023 and previously spent three years with FSC Securities Corporation and over 20 years with Umpqua Investments, Inc. Richardson is the principal of Richardson eWealth Strategies Inc., where he provides leadership and strategic direction. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations through a large network of affiliated advisers and multiple advisory platforms. The firm offers a range of brokerage and investment advisory services utilizing asset-allocation tools, risk-tolerance questionnaires, and third-party money managers to construct portfolios that may include stocks, bonds, options, mutual funds, ETFs, and alternative investments.

Michael Spiering is a financial advisor with Morgan Stanley in Walnut Creek, CA, holding Series 63 and Series 65 credentials and bringing 34 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and has been associated with Morgan Stanley Smith Barney and Citigroup Global Markets since the mid-2000s. 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 broad range of advisory programs supported by structured planning tools and risk modeling techniques.

Thomas Kelly is a CFP® and ChFC® credentialed financial advisor with 34 years of industry experience. He is currently with Raymond James Financial Services Advisors, Inc. and previously worked at Edward Jones and Pacific Life. Outside of his advisory role, he is also involved as a musician in a band. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm employs analytical tools such as risk profiling and probability modeling to tailor non-discretionary planning and consulting to client goals.

Ryan De La Torre is a CFP® with 20 years of industry experience, currently affiliated with Cetera since 2025. He previously worked for Allstate Financial Advisors, LLC and Allstate Insurance Co for 15 years and has operated De La Torre Financial Group since 2016. He serves as a board member and participates in the finance committee for Friends of CASE – Alameda County. Cetera Investment Advisers LLC is an SEC-registered adviser that serves 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, with over $256 billion in assets under management.

Steven Moone is a financial advisor at J.P. Morgan Securities with six years of industry experience. He holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2018. Prior to his finance career, he was involved with Flow Studios from 2016 to 2018. 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. The firm delivers these services on a non-discretionary basis, combining large institutional advisory operations with broker-dealer and investment adviser registrations.