Derek Bystrom is a CFP® professional with 27 years of industry experience, currently serving at Charles Schwab in Pleasanton, CA. He has been with Charles Schwab since 1999 and with Charles Schwab Bank since 2005. His credentials also include Series 63 and Series 65 licenses. 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 provides a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, utilizing multi-asset model portfolios and a formal alternative-investment due diligence process.

Arlene Menicucci is a financial advisor with LPL Financial, holding Series 65 and Series 63 licenses and bringing 14 years of industry experience. Her prior roles include positions at BMO Bank NA, U.S. Bancorp Advisors, U.S. Bank, and Unionbanc Investment Services. Based in Lafayette, CA, she has worked in both investment advisory and banking capacities throughout her career. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting advisors with research tools and diverse investment strategies.

Craig Bacharach is a financial advisor at Wells Fargo Advisors with over 41 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Wells Fargo Clearing and Prudential Equity Group, LLC. Bacharach serves as a trustee for multiple family trusts. Wells Fargo Advisors Financial Network provides investment and financial planning services to individuals, trusts, and institutional clients, offering a broad range of planning solutions including retirement, education, risk, and wealth-transfer planning. The firm supports tailored recommendations through research and planning tools, with optional implementation via brokerage or advisory channels.

Alexander Glasson is a Series 66-licensed advisor at J.P. Morgan Securities with one year of industry experience. He has prior experience at Pioneer Venture Group and Techstars, as well as a background that includes work at the University of Denver and Banwell Technologies. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s process combines quantitative and qualitative research to build model asset allocations and incorporates advanced derivatives and commodities capabilities.

Eric Martin is a CFP® professional with 42 years of industry experience, currently affiliated with LPL Financial. He has held roles at Martin, Wardin & Eissner Financial Group and Commonwealth Financial Network during his career. Outside of advising, he is involved in tax preparation services through Martin, Wardin & Eissner Financial Group. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, third-party asset management, and institutional platforms.

Duncan Hong is a financial advisor with Wells Fargo Clearing in Walnut Creek, CA, holding a Series 66 designation and 15 years of industry experience. He previously worked at MSI Financial Services, Inc. and Waddell & Reed. Outside of his advisory role, Hong serves as a vote-by-mail extractor for the Contra Costa County Election Office and is a notary public. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm employs over 14,000 advisors and manages approximately $671 billion in assets, offering brokerage and advisory solutions supported by research from the Wells Fargo Investment Institute.

Yo Oh is a Series 66-licensed financial advisor with Merrill in Walnut Creek, CA, with two years of industry experience. Prior to joining Merrill, Yo worked at Bank of America, N.A., and has been involved for several years in musical and community activities including performing and preparing music for Trinity Lutheran Church and participating in the Diablo Choral Artists. Yo also owns a drop shipping e-commerce business and operates a sole proprietorship for compensated vocal performances. 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. The firm offers both model-based and discretionary investment strategies tailored for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Perlita Gudilano is a financial advisor with Morgan Stanley in Pleasanton, CA, holding Series 63 and Series 65 licenses and has 16 years of industry experience. She has been with Morgan Stanley Smith Barney since 2010. Outside of advising, she operates an online franchise business based in Manila, Philippines. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and analyses.

Bruce Meyers is a financial advisor with RBC Capital Markets in Walnut Creek, CA, holding Series 63 and Series 65 licenses and possessing 28 years of industry experience. He has worked with RBC Capital Markets since 2008 and with City National Bank since 2017. Outside of advising, he occasionally engages in freelance sports writing. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers multiple advisory programs with customizable investment strategies implemented through both in-house and third-party managers, supported by a range of portfolio management and financial planning services.

Michelle Pollak is a financial advisor with Ameriprise in Orinda, CA, holding a Series 66 designation and 24 years of industry experience. She has been with Ameriprise and its affiliated entities since 2005. Pollak serves on the Boards of Directors for the Sleepy Hollow Parents Club and Friends of Ruwenzori, dedicating several hours monthly to these community organizations. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations. The firm offers a broad range of advisory, brokerage, and insurance solutions through its institutional platform.

Teddy Ottens Seibert is a financial advisor with UBS Financial Services in Walnut Creek, CA, holding Series 63 and Series 65 credentials and bringing 23 years of industry experience. He has been with UBS since 2009. Outside of his advisory work, he is involved in vineyard maintenance and is a member of TwiningVine, a wine industry organization. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm integrates proprietary research and model-based asset allocations to tailor strategies to client goals and risk tolerances while offering institutional trading capabilities alongside wealth management.

Mark Kalinowski is a financial advisor with Fidelity, holding a Series 66 designation and 13 years of industry experience. He has worked within various Fidelity divisions since 2013, including Fidelity Brokerage Services LLC and Fidelity Personal and Workplace Advisors. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, offering discretionary and non-discretionary portfolio management, fund advisory, and model portfolio delivery. The firm employs a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction, and it serves as an advisor to multiple registered investment companies and fund-of-funds.

Raymond Lederer is a financial advisor at Merrill with 22 years of industry experience. He holds the Series 63 and Series 66 designations and has worked at Merrill since 2008 and Bank of America, N.A. since 2011. Outside of his advisory role, he teaches an Introduction to Business Survey course at Las Positas Community College. 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 a range of model-based and discretionary investment strategies for individual, high-net-worth, and institutional clients.

Edward Harris is a financial advisor with LPL Financial in San Leandro, CA, holding a Series 66 designation and 14 years of industry experience. He has worked at LPL Financial since 2016 and has prior experience with Fremont Bank, J.P. Morgan Securities, and Waddell & Reed. Additionally, he serves as a private banker with Fremont Bank’s wealth management division. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning, portfolio management, and institutional platforms, supported by a large network of investment adviser representatives and research tools.

Gerald Guintu is a CFP® professional with 25 years of industry experience, currently serving as a financial advisor at OSAIC since 2023. Prior to joining OSAIC, he worked at Sagepoint Financial, INC for 14 years and Wagner Loftin Investment Services LLC for over two decades. Outside of his advisory role, he is the owner of DR Yachts LLC, involved in marketing and maintenance of charter vessels. OSAIC Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporate clients, offering both brokerage and advisory services through a multi-advisor platform. The firm’s investment approach emphasizes model-based asset allocation and portfolio optimization, supported by various tools and strategies, and is notable for its scale, complex affiliate network, and recent consolidation activity.

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, and Wells Fargo in various capacities. Phan is also involved with Patelco Financial Solutions, a DBA related to her LPL business. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management solutions, including model portfolios, third-party asset management, and institutional platforms.

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.

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.