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.

Gary Lamusga is a financial advisor at Cetera with 36 years of industry experience. He holds the ChFC® designation and securities licenses Series 63 and Series 65. Prior to joining Cetera in 2023, he spent 34 years at Securian Financial Services, Inc. Lamusga serves as a board member for the Walnut Creek Chamber of Commerce Foundation and the Collaborative Practice of East Bay, and is involved with the Fallen Heroes organization and the National Association of the Remodeling Industry. Cetera Investment Advisers LLC is an SEC-registered firm with a nationwide network of independent advisors serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform that includes affiliated and third-party managers across various program structures and custodial relationships.

Michael Gomez is a financial advisor at Wells Fargo Clearing with 10 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Ameriprise, Bank of America, Merrill, and JP Morgan. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Aasher Malik is a Financial Consultant at Fidelity Investments, a position he has held since 2024. Prior to this role, he served as an Investment Consultant and Financial Representative at Fidelity Investments from 2023 to 2024 and 2023 respectively. His professional experience also includes roles at JPMorgan Chase, where he worked as a Lending Development Officer from 2021 to 2022 and as a Vice President and Branch Manager from 2011 to 2021. Mr. Malik holds a California Insurance License. He approaches financial consulting with a focus on simplifying the planning process for clients, emphasizing a personable approach centered around the client and their important relationships.

Purnima Kashyap is a Financial Consultant at Fidelity Investments, a position she has held since 2021. In this role, she works closely with clients to develop personalized financial plans that align with their priorities and future goals. Prior to joining Fidelity Investments, she served as a Financial Solutions Advisor at Merrill Lynch from 2019 to 2021. Her approach involves understanding what matters most to her clients and their families, utilizing available tools and resources to build strong financial strategies. Purnima holds a California Insurance License, supporting her ability to provide comprehensive financial advice.

Peter Valvur is a financial advisor with Wells Fargo Clearing in Walnut Creek, CA, holding Series 63 and Series 66 designations and bringing 23 years of industry experience. His career includes ten years at Wells Fargo Clearing and four years at Wells Fargo Advisors, LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services grounded in modern portfolio theory. The firm’s offerings include investment policy statement preparation, performance reporting, participant education, and a distinctive inclusion of insurance-related vehicles and bank deposit sweep options within its investment menus.

Brandon York is a financial advisor at RBC Capital Markets with 28 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley and Morgan Stanley Private Bank prior to joining RBC in 2018. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm offers multiple wrap fee advisory programs featuring discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services tailored to each client’s Advisory Risk Profile.

Nikolai Papa is a financial advisor at Cetera with 15 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Woodbury Financial Services, OSAIC, Minnesota Life, and Sgc Financial. In addition to his advisory work, he teaches a retirement planning class part-time at the City College of San Francisco Extension. Cetera Investment Advisers LLC is an SEC-registered firm serving a diverse client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to various program structures and third-party money managers.

David Tsang is a financial advisor at Merrill with 11 years of industry experience. He holds a Series 66 designation and has been with Bank of America and Merrill since 2015. Outside of his advisory role, he works part-time as a taxi driver for Uber and owns a marriage agency that assists individuals in finding marriage partners. 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 strategies for a range of clients including individuals, high-net-worth clients, and charitable organizations.

Jeremy Gee is a financial advisor at Charles Schwab with Series 65 and Series 63 licenses and four years of industry experience. His prior roles include positions at Northwestern Mutual Wealth Management and Investment Services, as well as a brief tenure at Alex Icaza. 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 offers a combination of non-discretionary and discretionary investment advisory solutions supported by centralized custody and a multi-asset strategic investment approach.

Charlie Park is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and three years of industry experience. He has worked at Wells Fargo Bank, N.A. since 2019 and was previously involved with C.H. Trading Co. DBA OK Beauty Supply for thirteen years. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory approach is IPS-driven and based on modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Daniel Sanom is a financial advisor at Ameriprise with 24 years of industry experience and holds a Series 66 designation. He has been with Ameriprise and its affiliate since 2005. Outside of his advisory role, he serves on the Board of Directors for the Rudgear Estates Swim Team and acts as Treasurer for a local soccer club's daughters’ team in Walnut Creek, CA. Ameriprise offers retirement-income planning services primarily for individuals nearing or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Raymond Adair Jr. is a financial advisor with Mass Mutual Investors Services in Pleasant Hill, CA. He holds Series 63 and Series 65 licenses and has 20 years of industry experience. Since 2012, he has been associated with both MML Investors Services and Mass Mutual Life Insurance Company. Outside of his advisory role, he is also a magic and stage hypnosis performer. Mass Mutual Investors Services, LLC 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, using firm-approved tools and collaborative annual planning relationships.

James Ingenluyff is a financial advisor at Ameriprise with five years of industry experience. He holds the Series 66 designation and has worked at Ameriprise since 2017, including its subsidiary Ameriprise Financial Services, Inc., and previously at Paradigm Management Services. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement who meet specific asset criteria, providing detailed recommendation reports on income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to deliver these services through a centralized consulting team, primarily serving clients with substantial assets under management at Ameriprise.

Techen Hwang is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and bringing 13 years of industry experience. He has been with J.P. Morgan Securities since 2013 and also has experience with JPMorgan Chase Bank, N.A. dating back to 2011. 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. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

Derek Cushman is a financial advisor at Morgan Stanley with a Series 66 credential and three years of industry experience. His prior roles include positions at Oppenheimer and Archer Huntley Financial Services Inc. He has also worked in financial aid and various other industries, including a five-year tenure at DoorDash. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, with a financial planning process that employs structured discovery and advanced modeling tools. The firm manages approximately $2.74 trillion in client assets and provides both direct and corporate financial planning services.

Taryn Horne is a Series 66-licensed financial advisor with Morgan Stanley in Walnut Creek, CA, bringing 20 years of industry experience. She has been with Morgan Stanley since 2014. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individuals and institutions, including tailored financial planning supported by structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through corporate financial planning agreements.

Pouneh Lomboy is a Series 66-licensed financial advisor with Merrill, based in Concord, CA, with 14 years of industry experience. She has been with Merrill since 2013. Lomboy has indirect involvement in two privately owned businesses related to real estate and fitness, both operated by her husband. 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 a range of client types including individuals, high-net-worth clients, and charitable organizations.

Jimin Chen is a financial advisor at J.P. Morgan Securities with eight years of industry experience. Chen holds Series 63 and Series 66 licenses and has previously worked at Wells Fargo and HSBC. Outside of finance, Chen is a silent partner in a hospitality business, Jimin and William Corporation, which operates Vinum Bar. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines institutional advisory operations with broker-dealer and investment adviser registrations, delivering recommendations on a non-discretionary basis.

Connor Merrigan is a CFP® professional with seven years of industry experience. He is currently affiliated with Raymond James Financial Services Advisors, Inc. and has prior experience at Summit Financial Group and Securian Financial Services Inc. Merrigan also worked at San Jose State University and Recreational Equipment Inc. early in his career. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using various analytical tools and supports municipal and public-finance work through a unique affiliation with a municipal advisor.