Brandon Day is a financial advisor at Wells Fargo Clearing with 29 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. 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.

Terrence Kotsatos is a CFP® and ChFC® with 28 years of industry experience. He has been with Edward Jones since 2010, based in Albany, CA. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds.

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.

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.

Thomas Mc Nell III is a financial advisor with Cetera who holds Series 63, 65, and 66 licenses and has 35 years of industry experience. His prior roles include positions at Edward Jones, Morgan Stanley, and First Allied Securities. He serves as Volunteer President of the Kiwanis Club of the Delta Antioch and is an executive board member of the Delta Veterans Group. Cetera Investment Advisers LLC distributes advisory services through a large network of independent advisors, serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with diverse portfolio management options and oversees more than $256 billion in assets under management.

David Clarke is a financial advisor at Wells Fargo Advisors with 42 years of industry experience. He holds Series 63 and Series 65 credentials and previously worked within Wells Fargo Clearing and Wells Fargo Advisors, LLC. Outside of advising, he has ownership interests in several investment-related ventures including DCC Ventures, LLC and Quin Oaks Investment Group, LLC, as well as a watercraft rental business in Tahoe City, CA. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutions by offering a broad range of investment and fee-based financial planning services. The firm employs Wells Fargo research and planning tools to develop tailored client recommendations across diverse planning areas, with implementation optional through various brokerage or advisory programs.

Gabriel Gutierrez Rodriguez is a Financial Consultant at Fidelity Investments, where he partners with clients to utilize a range of financial products and services aimed at advancing their financial goals. He has held this role since 2025, following his position as an Investment Consultant at Fidelity Investments from 2023 to 2025. Prior to his current tenure at Fidelity, Gabriel worked as a Financial Consultant at E*TRADE from 2019 to 2023. His earlier experience includes roles as a Premier Banker at Wells Fargo from 2018 to 2019 and as a Private Client Banker at JP Morgan Chase from 2013 to 2018. Gabriel holds a California Insurance License.

Shawn Huynh is a financial advisor at J.P. Morgan Securities with 17 years of industry experience. He has worked at J.P. Morgan Chase Bank, N.A. and J.P. Morgan Securities since 2018, and previously held roles at Citigroup and UnionBanc Investment Services. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

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.

Lisa Smith is a financial advisor with Merrill in Walnut Creek, CA, holding Series 63 and Series 65 credentials and 35 years of industry experience. She has worked at Merrill Lynch Pierce Fenner and Smith since 2016. Outside of her advisory role, she serves as a panel member for FINRA, arbitrating financial services disputes, and operates a life coaching business. Merrill provides managed account services through the Select Portfolio Solutions program to a broad client base, including individuals, high-net-worth clients, and institutional fiduciaries. The firm offers model-based and discretionary investment strategies integrated with Bank of America’s platform.

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.

Kylie Kerr is a Financial Advisor at The Thompson Group within Merrill Lynch Wealth Management. She collaborates with a team of mortgage, alternative investment, personal and business banking specialists to offer comprehensive financial services. Working alongside her senior partner, Megan Thompson, Kylie addresses all aspects of clients' financial needs, aiming to provide client-focused care. Kylie specializes in areas including education planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management services, small business strategies, women and wealth, and retirement income. She develops personalized plans that enable clients to actively participate in their financial decisions by exploring various scenarios and their implications. Kylie earned a Bachelor's Degree in Psychology from UCLA, where she was a member of a national championship-winning soccer team, and a Master's Degree in Sports Management from UC Berkeley. She holds the Personal Investment Advisor (PIA) designation and licenses including NMLS# 2684970, CA Insurance License #4502078, and Merrill Life Agency CA License #0522776. Her personal interests include cooking, running, soccer, spending time with family, and traveling.

Steve Doman is a financial advisor at Cambridge Investment Research Advisors with 17 years of industry experience. He holds the Series 66 designation and has been with Cambridge Investment Research Advisors and Cambridge Investment Research, Inc. since 2010. Outside of his advisory role, he owns a loan brokering business, is an owning member of a software company, and serves as a volunteer clerk for the Church of Jesus Christ of Latter-day Saints. Cambridge Investment Research Advisors serves a broad client base including individuals, retirement plans, and charitable organizations, providing financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals. The firm offers various portfolio management approaches across multiple platforms, including proprietary models and access to third-party strategists.

Giuliano Demartini is a financial advisor at Wells Fargo Clearing with five years of industry experience. He holds Series 63 and Series 66 licenses. His prior roles include positions at Builder Advisor Group, LLC and Wells Fargo Advisors. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm combines research and analytics with diversification principles and modern portfolio theory to evaluate investment options, while also offering a variety of financial products through its bank and insurance affiliates.

Abraham Meza is a financial advisor at Morgan Stanley in San Francisco, holding a Series 66 designation with four years of industry experience. Prior to joining Morgan Stanley, he worked at E*TRADE Capital Management LLC and Equitable Advisors, LLC. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs and tailored financial planning services to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and utilizes a structured financial planning process supported by firm-approved tools.

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 in Oakland, CA, holding Series 63 and Series 65 licenses and having 31 years of industry experience. She has been with Merrill since 2009. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Igor Kipnis is a CFP® with 20 years of industry experience, currently serving as a financial advisor at Wells Fargo Clearing since 2016. Prior to this, he worked at Wells Fargo Advisors LLC from 2010 to 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 investment advice. The firm’s approach is IPS-driven and incorporates modern portfolio theory, with a broad range of investment options including insurance-related vehicles and bank deposit sweep programs.

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.