Russell Huebschle is a financial advisor at Morgan Stanley in Oakland, CA, holding Series 63 and Series 66 licenses with 25 years of industry experience. He has worked at Morgan Stanley since 2019, including time at Morgan Stanley Private Bank, and previously held roles at Wells Fargo Clearing and Wells Fargo Advisors. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses a structured planning process supported by proprietary tools and research.

Lavanya Palakurthi is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. She holds a Series 66 designation and has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2020. Prior to that, she was with Bank of America Corporation and Merrill from 2002 to 2020. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework when recommending strategies.

Michael Mercado is a financial advisor at Wells Fargo Advisors with 30 years of industry experience. He holds Series 63 and Series 65 licenses and has worked within the Wells Fargo organization since 2011, including roles at Wells Fargo Clearing. Outside of his advisory work, he owns MILARO INVESTMENTS, LLC. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that serves individuals, trusts, and institutional clients. The firm offers a broad range of investment and financial planning services, including specialized planning for business owners, athletes, and clients with special needs.

Matthew Topielski is a financial advisor with LPL Financial, holding a Series 66 designation and one year of industry experience. His prior work includes roles at Fremont Bank and First Republic Bank. Outside of advising, he is involved in music and receives royalties as an artist and musician. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory services including financial planning and model portfolio programs, supported by both proprietary and third-party investment strategies.

James Deak is a CFP® with 28 years of experience in the financial industry. He has been with Wells Fargo Advisors since 2011, including time at Wells Fargo Clearing. Outside of his advisory work, he owns TN&LG, LLC and serves on the finance committee of Cantare, providing input on financial reports and budgeting. Wells Fargo Advisors Financial Network is a broker-dealer and registered investment adviser that offers investment and financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services and integrates advisory offerings with other financial products through a large network of advisors.

Thu Duong is a financial advisor at Wells Fargo Clearing with 10 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Wells Fargo Clearing since 2016, following prior roles at WELLS FARGO Advisors, LLC and Wells Fargo Bank, N.A. Thu Duong also manages a rental property in San Lorenzo, CA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non‑qualified deferred compensation plans, offering both discretionary and non‑discretionary options. The firm’s advisory process is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Mehul Khivesara is a financial advisor at J.P. Morgan Securities with seven years of industry experience. He holds Series 63 and Series 66 licenses. Prior to joining J.P. Morgan Securities, he worked at Focus Partners Wealth, Adero Partners, and several other firms. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its investment recommendations.

Clifford Wichmann III is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and nine years of industry experience. He has been with Wells Fargo Clearing since 2017 and previously worked at Robert Half for one year. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, offering a range of investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions.

Reza Abcari is a financial advisor at Charles Schwab with 22 years of industry experience. He holds the CFP® designation along with Series 63, 65, and 66 licenses. His prior experience includes roles at The Entrust Group and AXA-Advisors, LLC. Outside of his advisory work, he manages rental properties inherited by his family. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth clients through its Schwab Wealth Advisory wrap fee program and related managed account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and provides integrated brokerage, custody, and advisory services.

David Rodriguez is a financial advisor with Wells Fargo Clearing in Walnut Creek, CA, holding Series 63 and Series 65 licenses. He has nine years of industry experience and has worked at several firms including JPMorgan Chase Bank, First Republic Bank, and LPL Financial. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, retirement plan consulting, and brokerage services. The firm manages approximately $671 billion in assets and integrates research from Wells Fargo Investment Institute with modern portfolio theory principles in its investment approach.

Ronald Arrajj is a financial advisor with Wells Fargo Advisors in Walnut Creek, CA, holding Series 63 and Series 65 credentials and five years of industry experience. Prior to joining Wells Fargo Advisors in 2024, he worked at Wells Fargo Clearing and Bloomberg LP in various capacities from 1993 to 2024. He serves as executor and trustee for several family trusts. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutional clients, using Wells Fargo research and tools to develop tailored recommendations. The firm offers a broad range of planning services, including niche areas such as business-owner transition and special-needs analysis.

Georgiana Andersen is a financial advisor with Merrill in Walnut Creek, CA, holding Series 63 and Series 65 licenses and 36 years of industry experience. She has been with Merrill since 2015. 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 investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Alexander Holguin is a financial advisor with Wells Fargo Advisors and holds a Series 66 designation. He has five years of industry experience, including prior roles at Amazon and TD Ameritrade. Holguin is based in Walnut Creek, California. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, offering investment and financial planning services to individuals, trusts, and institutional clients. The firm provides tailored recommendations using proprietary research and planning tools, with services spanning diverse planning needs such as retirement, education, and business-owner transition planning.

Kyle Branham is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 12 years of industry experience. Prior to joining Cetera in 2019, he worked at Foresters Financial Services and Foresters Advisory Services. Outside of his advisory role, he is CEO and co-owner of GameStars, a third-party platform for video games, and serves as Director of Analytics at SpikeWeek.com, where he develops statistical models and writes about fantasy football. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients, including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers various portfolio management and consulting services through a large network of independent advisors, with access to multiple program platforms and third-party money managers.

Lauren Gershon is a financial advisor at Fidelity with a Series 66 designation and six years of industry experience. Her career includes roles at Fidelity Investments, FIDELITY Brokerage Services LLC, TD Ameritrade, and TD Bank. Fidelity's Strategic Advisers LLC, where she is based, provides investment management and advisory services to retail and institutional clients. The firm employs a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios and offers advisory services including fund management and consulting.

Mark Hersman is a financial advisor with Charles Schwab in Oakland, California, holding Series 63 and Series 66 credentials and a total of 36 years of industry experience. His career includes two separate tenures at Charles Schwab totaling over 27 years, along with roles at Growth Capital Services, Mazakali LLC, and Portman Enterprises LLC. Charles Schwab & Co., Inc. serves a large client base of primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. Schwab offers a combination of non-discretionary investment guidance and access to discretionary separately managed accounts, supported by centralized custody and an extensive operational structure.

William Fraser is a financial advisor with Morgan Stanley in Walnut Creek, CA, holding Series 63 and Series 66 licenses and bringing 41 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2009 and Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management offers advisory programs to individuals and institutional clients, with financial planning services supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and provides a range of investment solutions alongside advisory and brokerage services.

Kenny Heller is a Financial Advisor with Merrill Lynch Wealth Management. He provides financial guidance tailored to clients' goals, priorities, and concerns, focusing on strategies for investing, retirement planning, liquidity needs, and managing unexpected events. Kenny connects clients with Bank of America specialists for services such as banking, credit, home financing, and small business solutions, adjusting strategies as clients' circumstances evolve. His areas of expertise include equity compensation services, LGBT wealth planning, liquidity management, personal retirement planning, portfolio management services, tax minimization, and retirement income. Kenny holds a Personal Investment Advisor (PIA) designation and earned a Bachelor of Science degree in Justice Studies from San Jose State University. Outside of his professional work, Kenny enjoys adventure sports, biking, boating, fishing, gardening, hiking, photography, reading, skiing, and traveling.

Yvan Fung is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has over 12 years of experience in finance, including wealth management, loans, and real estate. Yvan works with a range of clients including individuals, families, small businesses, and large corporations, focusing on identifying and defining their financial goals and objectives to create customized wealth management strategies. He holds the Personal Investment Advisor (PIA) designation and earned his bachelor's degree from the University of California, Berkeley. Yvan emphasizes an interactive relationship with his clients to help them prioritize and pursue the financial goals that matter most to them. Outside of his professional work, Yvan is involved with community nonprofit organizations and regularly participates in youth programs in the Bay Area. He is connected with groups such as the Asian Youth Service committee, Cal Martial Art Program, and Wa Sung Community Service. Additionally, he contributes to martial arts events nationwide by managing and judging tournaments.

Douglas Kaminski is a financial advisor with Charles Schwab in Walnut Creek, CA, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. He has worked with Charles Schwab and its affiliates since 2005. Outside of his advisory role, he is involved in property management as a landlord. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, offering comprehensive wealth advisory, brokerage, custody, and financial planning services through its integrated wrap fee programs. Schwab provides both non-discretionary and discretionary investment options, utilizing multi-asset model portfolios and research-based due diligence to support client investment decisions.