Calvin Hong is a financial advisor at Merrill with seven years of industry experience. He holds a Series 66 designation and has worked at both Bank of America, N.A. and Merrill since 2013. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for a range of individual and institutional investors.

Manija Rasouli is a financial advisor at Merrill with eight years of industry experience. She holds Series 63 and Series 66 designations and previously worked at Citigroup and CitiBank. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services for Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Ashot Minasyan is a financial advisor with Equitable Advisors in Walnut Creek, CA, holding a Series 66 designation and nine years of industry experience. He has been with Equitable Advisors since 2017 and previously worked at AXA-Advisors, LLC, as well as in residential brokerage. Equitable Advisors serves individual clients, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients, offering financial planning, retirement plan consulting, and a range of asset-management programs through a network of Investment Adviser Representatives. The firm utilizes various advisory models including third-party TAMPs and provides ERISA fiduciary services to qualified plans.

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.

Dave Malhotra is a Financial Consultant at Fidelity Investments, where he has been serving clients since 2026. Prior to this role, he held several positions at Fidelity Investments, including Investment Consultant from 2025 to 2026 and Investment Solutions Fixed Income from 2023 to 2025. Before joining Fidelity Investments, he worked as a Financial Advisor at Merrill Lynch from 2019 to 2023. Dave employs a comprehensive planning approach that focuses on placing his clients' needs first. He works closely with clients to understand their financial goals and develops strategies aimed at helping them achieve their objectives. His approach emphasizes client comfort and confidence in their investment decisions by preparing them thoroughly for their financial future. He holds a California Insurance License and engages in personal interests such as art, family activities, fitness, swimming, tennis, and volunteering.

Wade Cheatham is a financial advisor at Charles Schwab with 18 years of industry experience. He holds CFP®, Series 63, and Series 66 designations. Wade has worked at Charles Schwab since 2007 and was previously employed at Charles Schwab Bank from 2011 to 2018. 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 and offers a multi-asset investment approach supported by centralized custody and operational infrastructure.

Karl Von Brockdorff is a financial advisor with Ameriprise, holding a Series 66 designation and 21 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Ameriprise provides retirement-income planning services primarily for clients with significant investable assets, combining research, modeling, and tax-efficiency analysis in its approach. The firm offers a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Chanda Leger is a financial advisor with Merrill, holding a Series 66 designation and 11 years of industry experience. She has worked at Merrill since 2013, with a brief tenure at Bofa Securities, Inc. in 2019. She serves on the Business School Advisory Council at Linfield University and is a member of the Court Sports Committee at Diablo Country Club. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for a range of individual and institutional investors.

Patricia Casentini is a financial advisor at Morgan Stanley with 34 years of industry experience. She holds a Series 63 designation and previously worked at First Republic Securities Company, LLC for 10 years. Casentini is based in Walnut Creek, CA. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process utilizes structured discovery conversations and advanced modeling tools but does not include individual security recommendations as part of standalone financial plans.

Sean Phillips is a CFP® with 24 years of industry experience, currently serving as a financial advisor at Raymond James & Associates since 2021. He previously worked at RBC Capital Markets, Wells Fargo Clearing, and Wells Fargo Advisors. Outside of finance, he has been involved with Emerald Coast Home Cleaning Service, LLC, doing business as You've Got Maids, since 2013. Raymond James & Associates is a large, dually registered broker‑dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and municipal entities, offering financial planning and non-discretionary investment consulting supported by a wide range of portfolio management styles and affiliated research.

Emerald Bonansea is a Series 66-licensed financial advisor with seven years of industry experience. She has been with Mass Mutual Investors Services and MassMutual Life Insurance Company since 2019, with prior roles at MSI Financial Services, Inc. and MetLife Securities, Inc. Her current practice is based in Walnut Creek, California. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers ongoing financial planning, asset management, and educational seminars, using firm-approved software and collaborative client relationships to develop investment strategies.

Theodore Simos is a financial advisor with RBC Capital Markets in Walnut Creek, CA, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. His prior roles include positions at Merrill, Bank of America, and City National Bank. He serves on the board of The Good Shepherd Fund, an organization providing guardianship and trustee services for individuals with special needs and developmental disabilities. RBC Wealth Management, a division of RBC Capital Markets, offers a range of advisory programs to individual and institutional clients, utilizing both in-house and third-party investment managers to tailor strategies based on clients’ risk profiles.

Luke Bohuslav is a financial advisor at Morgan Stanley with a Series 66 designation and four years of industry experience. Before joining Morgan Stanley in 2021, he worked at PitchBook Data, Inc. from 2017 to 2021. Outside of his advisory role, he assists individuals with tennis practice. Morgan Stanley Wealth Management offers a wide range of advisory programs to both individual and institutional clients, providing tailored financial planning supported by firm-approved tools and analysis methods. The firm manages approximately $2.74 trillion in client assets and delivers services through financial advisors and estate planning specialists.

Robert Carmichael is a financial advisor with RBC Capital Markets in Walnut Creek, CA. He holds the Series 66 designation and has six years of industry experience, including roles at Costco Wholesale and Mountain Mikes Pizza prior to joining RBC. He attended Sonoma State University from 2016 to 2020. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base ranging from individual investors to institutional clients. The firm offers multiple advisory programs with customizable investment strategies implemented through a combination of in-house and third-party managers, along with a range of portfolio administration options.

Stephen Krochmal Jr. is a financial advisor at Wells Fargo Clearing with 33 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Wells Fargo Clearing since 2019, following a five-year tenure at Ameriprise Financial Services. He teaches retirement planning topics at Bio-Rad and serves on the finance committee for Save Mount Diablo. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, retirement plan consulting, and brokerage solutions to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and combines proprietary research with diversified investment approaches.

Cyle Sherman is a financial advisor with Morgan Stanley in Walnut Creek, CA, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2009 and Morgan Stanley Private Bank, N.A. since 2015. Outside of his advisory role, he is a sole proprietor involved in a rental property business in Truckee, California. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs and financial planning services that utilize structured discovery conversations and firm-approved tools.

Andrew Vawter is a financial advisor at Merrill with seven years of industry experience. He holds a Series 66 designation and has worked at Merrill and Bank of America since 2019. His prior experience includes positions at Hub International and involvement with Cal Poly. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Shayna Forbes Felix is a financial advisor with Ameriprise, holding a Series 66 designation and 23 years of industry experience. She has been with Ameriprise and its affiliates since 2005. Outside of her advisory role, she is involved in business ownership and management through entities such as Juno Moneta LLC and SMFF Enterprises Inc. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, with a specialized Premier Retirement Income service that provides written retirement income plans and ongoing advice focused on tax-aware withdrawal strategies and dependable income sources.

Oliver Von Feldt is a financial advisor at Mass Mutual Investors Services with Series 66 credentials and less than one year of industry experience. He previously held various roles at Loyola Marymount University, Alpine Hills Tennis and Swimming Club, and Saint Francis High School. Von Feldt also serves as a relationship manager at Lenox Advisors, focusing on life, disability, long-term care, fixed annuities, and health insurance. MassMutual Investors Services 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 emphasizes collaborative, annual financial planning relationships using firm-approved analytical tools, offering investment strategy guidance without discretionary authority.

Michael Kennedy is a financial advisor with LPL Financial who holds Series 63 and Series 66 licenses and has 38 years of industry experience. He has worked at LPL Financial since 2019 and previously spent six years at Royal Alliance. Kennedy is also involved with Pacific Pension & Benefit Services, Inc., where he has been active for over 20 years and serves as a notary public to notarize client documentation. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual clients, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services utilizing discretionary and non-discretionary management supported by model portfolios and research.