Stephen Davis is a financial advisor at Charles Schwab with a Series 66 designation and one year of industry experience. His prior background includes six years of service in the U.S. Air Force and four years of full-time education. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering both non-discretionary and discretionary investment management services supported by a centralized operational structure.

Robert Higbee is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been with LPL Enterprise since 2024 and previously worked at Prudential Insurance Company of America and Pruco Securities, LLC. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth investors, retirement plans, and corporate and charitable entities. The firm uses model-driven investment implementation and offers access to third-party asset managers, financial planning, and affiliated insurance and trust services.

Nancy Robertson is a financial advisor with Cambridge Investment Research Advisors and holds the Series 63 and Series 65 licenses. She has 33 years of industry experience and has been with Cambridge Investment Research Advisors and Cambridge Investment Research since 2016. Prior to that, she was associated briefly with Protected Investors of America. Cambridge Investment Research Advisors, Inc. serves a broad mix of individual and institutional clients, including pension and charitable organizations, providing financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm manages a multi-billion dollar asset base and supports both discretionary and non-discretionary management through multiple platforms and proprietary model strategies.

Howard Tong is a CFP® with 22 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and was previously with A. G. Edwards & Sons, Inc. from 2004 to 2008. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, including pension and charitable organizations. The firm provides a range of investment advisory services, financial planning, and retirement plan consulting, utilizing research and analytics from internal and third-party sources.

Jay Gilson is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds a Series 66 designation and has 11 years of industry experience. Prior to joining Raymond James, he worked at Summit Financial Group and Securian Financial Services. Outside of advising, Gilson operates Gilson Consulting, providing accounting and tax consulting services to a long-term client. 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 delivers non-discretionary, tailored planning and consulting using analytical tools and supports municipal and public finance work through a unique affiliate arrangement.

Jonathan Lee is a CFP® and ChFC® with 21 years of industry experience. He is currently with OSAIC and previously worked for Lincoln Financial Advisors Corporation and Osaic FA, Inc. He is based in San Ramon, CA. OSAIC serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform offering brokerage and advisory services. The firm’s investment approach uses model-based asset allocation and portfolio optimization with a range of customizable strategies and third-party manager options.

Jonathan Blevins is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 licenses and bringing 46 years of industry experience. He has been with Equitable Advisors since 1999 and previously worked at Axa Advisors, LLC. He serves as a board member of the CrossStreets Neighborhood Alliance, an organization providing support to homeless and unemployed individuals and their families. Equitable Advisors offers financial planning, retirement plan consulting, and asset-management programs to individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm utilizes a range of advisory models and third-party asset managers, providing services that include ERISA fiduciary support and access to mutual funds, ETFs, separately managed accounts, and select alternative investments.

Leslie Pettinelli is a financial advisor with Mass Mutual Investors Services and holds Series 63 and Series 65 credentials. She has 11 years of industry experience, including roles at Mass Mutual Investors Services since 2018, Jhfn Sii from 2014 to 2018, and Pettinelli Financial Partners from 2011 to 2018. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars with a focus on collaborative, annual planning engagements using firm-approved analytical tools.

Marian Nguyen is a financial advisor at Cambridge Investment Research Advisors with three years of industry experience. She holds a Series 65 designation and has previously worked at Rainer Wealth Management and H&R Block. Outside of her advisory role, she is the owner of Reiki Properties, LLC, a real estate business based in Scottsdale, AZ. Cambridge Investment Research Advisors serves a diverse client base, including individual, pension, and charitable organizations, by offering financial planning, investment management, and retirement-plan advisory services. The firm manages a multi-billion dollar asset base and provides access to proprietary and third-party investment strategies across multiple platforms.

Purav Patel is a financial advisor at Fidelity with 12 years of industry experience. He holds the Series 66 and Series 63 licenses and has worked within various Fidelity entities since 2015. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, leveraging a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its use of systematic methodologies, formal advisory roles to registered investment companies, and incorporation of AI and algorithmic methods in research.

Bradley Noval is a financial advisor with Ameriprise in Pleasanton, CA, holding a Series 63 designation and 30 years of industry experience. He has worked with Ameriprise and its affiliated entities since 2009. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service, providing written recommendation reports and ongoing retirement-income planning focused on reliable income sources and tax-efficient withdrawal strategies.

David Woodworth is the Vice President and Financial Consultant at Fidelity Investments, where he has been serving since 2013 in various roles. Currently, he partners with individuals and families to help them strengthen and work towards their financial well-being. Throughout his tenure at Fidelity Investments, David has gained experience as a Financial Consultant, Investment Consultant, and Financial Representative. He holds a California Insurance License, supporting his expertise in financial consulting. Outside of his professional work, David's personal interests include baseball, hiking, parenthood, photography, traveling, and volunteering.

Jeffrey Martin is a financial advisor at Wells Fargo Advisors with 34 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Wells Fargo Clearing and Morgan Stanley in various capacities. Martin is also a 40% owner of Martin Financial Group, an investment management business based in Brentwood, CA. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services. The firm offers a broad range of planning services, including specialized areas such as business-owner transition and sports & entertainment planning, using proprietary research and planning tools to develop tailored recommendations.

Caleb Gordon is a financial advisor with Charles Schwab in Walnut Creek, CA, holding a Series 66 designation and 25 years of industry experience. He has been with Charles Schwab and its affiliated entities since 2001, including a brief tenure at TD Ameritrade in 2005. Charles Schwab & Co., Inc. serves a large client base primarily consisting 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 combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts, offering investment guidance through multi-asset model portfolios and a centralized operational structure.

Ralph Short Jr. is a financial advisor at RBC Capital Markets with 24 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at UBS Financial Services in various locations from 2016 to 2025. RBC Wealth Management, a division of RBC Capital Markets, serves individual and institutional clients, offering a range of advisory programs that include discretionary and non-discretionary portfolio management, financial planning, and brokerage services. The firm customizes investment strategies to clients’ risk profiles and utilizes both in-house and third-party investment managers.

Haiau Ho Nguyen is a financial advisor at Fidelity with 12 years of industry experience and holds a Series 66 designation. His career includes roles at JPMorgan SECURITIES LLC and various divisions within Fidelity since 2016. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to diverse clients, including retail and institutional investors, using a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction across mutual funds, ETFs, and ETPs. The firm also engages in formal advisory roles for multiple registered investment companies and employs systematic methodologies incorporating AI and long-term asset allocation benchmarks.

Anthony Giuliano is a financial advisor at Osaic with 28 years of industry experience. He holds Series 63 and Series 65 licenses. His prior experience includes roles at Securities America Advisors, Inc., Foothill Securities, Inc., and Aladino Financial Services, Inc. Giuliano is also involved in life insurance sales and income tax preparation, with tax planning integrated as part of his investment services. Osaic Wealth serves a diverse client base including retail investors, retirement plans, charities, and corporate clients through a multi-advisor platform offering brokerage and advisory services. The firm utilizes model-based asset allocation and portfolio optimization with various investment strategies and third-party manager options, supported by a complex affiliate network and private-equity ownership.

Cory Asher is a financial advisor at Fidelity with 26 years of industry experience. He holds the Series 66 designation and has previously worked at Morgan Stanley and UBS Financial Services. Outside of his advisory role, he is a co-owner of a family rental property business. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm utilizes a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios from a broad investable universe.

Stephan Hwang is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and bringing 10 years of industry experience. He previously worked at Bank of America and Merrill from 2004 to 2021. Outside of his advisory role, he serves as a board member and Community Impact Board Chair on the investment committee for the nonprofit Cancer Support Community. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of advisors. Their advisory process combines quantitative and qualitative research to deliver customized asset allocation advice and manager selection, with a focus on a range of eligible investment strategies including ESG frameworks.

Oscar Subuyuc Xil is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds Series 63 and Series 66 credentials and has worked at J.P. Morgan Securities since 2019. Prior to this, his work experience includes roles at Baja Fresh, DoorDash, and Buffalo Wild Wings. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research supported by centralized due diligence and incorporates a range of eligible strategies, including ESG frameworks.