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.

Ashveen Goundar is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and four years of industry experience. He has worked at Wells Fargo Bank, N.A. since 2016 and has held positions at Jack in the Box and Nations Hamburger. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions supported by research from the Wells Fargo Investment Institute.

Ying Juan Xie is a Certified Financial Planner (CFP®) with 10 years of industry experience, currently serving as a financial advisor at Morgan Stanley since 2021. Her prior roles include positions at LPL Financial, HSBC Securities USA, Bank of the West, and BancWest Investment Services. Outside of financial advising, she is involved as an employee at Lao Lao Acupuncture Clinic in Milpitas, California. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a wide range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-sponsored financial planning services.

Charles Shreve III is a financial advisor with LPL Financial in Fremont, CA, holding Series 63 and Series 66 licenses and bringing 36 years of industry experience. His prior roles include positions at Fremont Bank, Merrill, Bank of America, Fidelity, Ameriprise, Waddell & Reed, and U.S. Bancorp Investments. 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 and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by extensive technology tools and a large network of over 22,800 advisors.

Micah Johnson is a financial advisor with LPL Financial, holding a Series 66 designation and four years of industry experience. Prior to joining LPL Financial in 2022, he worked at Empire Pavers and Empire Medical. Outside of his advisory role, he operates a reseller business unrelated to investments. 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 financial planning and investment management solutions through a large network of advisors and incorporates both proprietary and third-party strategies.

Yanlin Yu is a financial advisor with Morgan Stanley in Burlingame, CA, holding Series 63 and Series 65 licenses and bringing 10 years of industry experience. Prior to joining Morgan Stanley in 2021, Yu spent nine years at CitiGroup. Outside of his advisory role, he is involved in in-home senior services in San Francisco. Morgan Stanley Wealth Management offers a range of advisory programs to both individual and institutional clients, providing tailored financial planning supported by firm-approved tools and strategies. The firm manages approximately $2.74 trillion in client assets and delivers services through a structured financial planning process.

Kuang Yang is a financial advisor at Charles Schwab with 23 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Charles Schwab and Charles Schwab Bank since 2014, based in San Mateo, CA. 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 advisory relationships alongside access to discretionary separately managed accounts, supported by multi-asset model portfolios and proprietary research.

Michael Robarts is a financial advisor at Morgan Stanley with 34 years of industry experience. He holds a Series 63 designation and has worked with Morgan Stanley Private Bank, N.A. since 2015 and with Morgan Stanley Smith Barney LLC since 2009. Outside of his advisory role, he has involvement in commercial real estate. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured financial planning tools supported by its Global Investment Committee.

Thomas Kelly is a CFP® and ChFC® credentialed financial advisor with 34 years of industry experience. He is currently with Raymond James Financial Services Advisors, Inc. and previously worked at Edward Jones and Pacific Life. Outside of his advisory role, he is also involved as a musician in a band. 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 employs analytical tools such as risk profiling and probability modeling to tailor non-discretionary planning and consulting to client goals.

Michael Oster is a Wealth Management Advisor at Merrill Lynch Wealth Management in Oakland, where he has been serving clients since 1993. Since May 2015, he has held the position of Resident Director of the Oakland office. Michael's professional focus includes working with high-net-worth individuals and families, non-profit organizations, corporate executives, and business owners to deliver customized financial advice aimed at helping clients meet their financial goals and manage their wealth efficiently. He offers expertise across various areas including asset allocation, retirement income planning, tax minimization strategies, estate planning, and socially responsible investing. Michael is a qualified Portfolio Manager, managing portfolios on a discretionary basis with access to a range of investment products such as equities, fixed income, alternative investments, ETFs, and model portfolios. Clients also benefit from access to banking, credit, and lending services through Bank of America, N.A. Michael holds several professional designations including CERTIFIED FINANCIAL PLANNER (CFP), Chartered Financial Consultant (ChFC), and Certified Plan Fiduciary Advisor (CPFA). He has Series 7, 63, and 65 FINRA registrations and holds a Bachelor of Science and an MBA from the California State University system. Outside of his professional work, Michael lives in Oakland with his wife and two sons. He is actively involved with the Boys & Girls Club of Oakland as a long-term volunteer. His personal interests include golfing, reading, running, swimming, and traveling.

Erick Milanco is a financial advisor with Primerica Advisors in Fremont, CA, holding Series 63 and Series 65 licenses and eight years of industry experience. He has been with Primerica Advisors since 2017 and also worked at Raymond Handling Concepts Corp from 2015 to 2020. Outside of his advisory role, Milanco owns Prime Lift Tires, LLC, a forklift repair and service business, and works as a delivery driver for Amazon Flex and DoorDash. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model‑delivery strategies and a limited number of discretionary separately managed account options primarily for individual and high-net-worth clients. The firm curates third-party asset managers and employs a tiered wrap fee structure, with trading and execution services delegated to BNY Mellon Advisors and Pershing.

Paulo Manalo is a Financial Consultant at Fidelity Investments, a role he has held since 2022. He works closely with clients to develop customized financial strategies aimed at addressing their specific objectives and supporting them throughout various stages of life. Prior to his current position, Paulo was a Private Client Advisor at JPMorgan Chase from 2020 to 2022 and served as a Private Client Banker at the same institution from 2013 to 2020. His experience spans multiple facets of financial advisory and client relationship management. Paulo holds a California Insurance License, which supports his work in financial consulting.

Leila Esmaili Zamora is a financial advisor at Morgan Stanley with one year of industry experience. She holds a Series 66 designation and has worked in various roles including positions at Morgan Stanley Private Bank, LinkedIn, and several consulting and community organizations. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutions, combining tailored financial planning with access to extensive investment resources and research.

Richard Diregolo II is a financial advisor with LPL Financial in San Mateo, CA, holding a Series 66 designation and 19 years of industry experience. He previously worked at Securian Financial Services, Inc., SGC Financial & Insurance Services, and Minnesota Life Insurance Co from 2007 to 2020. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Steven Moone is a financial advisor at J.P. Morgan Securities with six years of industry experience. He holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2018. Prior to his finance career, he was involved with Flow Studios from 2016 to 2018. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm delivers these services on a non-discretionary basis, combining large institutional advisory operations with broker-dealer and investment adviser registrations.

Salvatore Azzolino is a financial advisor with J.P. Morgan Securities who holds a Series 66 designation and has 18 years of industry experience. He has worked at J.P. Morgan Chase Bank and J.P. Morgan Securities since 2019, and previously at Charles Schwab and Wells Fargo firms. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Timothy Score is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he has worked since 1994. In his role, he focuses on assisting clients with a broad range of financial planning needs, including college education planning, family wealth management strategies, legacy planning, retirement income, and portfolio management services. He also serves as the Syndicate Coordinator in the office, a position he has held since 2009. Tim earned both his Bachelor of Science degree in Accounting and his Master of Business Administration from Southern Oregon University. He obtained the CERTIFIED FINANCIAL PLANNER® (CFP) certification in 2004 and completed the Merrill Lynch Wealth Management Longevity Training Program at the University of Southern California Davis School of Gerontology in 2015. Timothy has contributed to the development of new advisors through his mentorship in the Professional Development Program. His professional designations include CFP and Personal Investment Advisor (PIA). Outside of his professional duties, Timothy is actively involved in his community and enjoys spending time with his family. He has coached youth sports and volunteered extensively at swim meets. His personal interests include baseball, genealogy, golfing, music, reading, table tennis, traveling, and attending events involving his grandchildren.

Naushaba Rashid is a CFP® professional with 34 years of industry experience, currently serving at Wells Fargo Clearing since 2016. She previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and rooted in modern portfolio theory, with an emphasis on fiduciary responsibility and a broader range of financial product offerings including insurance-related vehicles and bank deposit sweep options.

Sanh Vuong is a financial advisor at Morgan Stanley with 28 years of industry experience. He holds Series 63 and Series 65 designations. Prior to joining Morgan Stanley in 2021, Vuong worked for Citigroup Global Markets for 14 years. Outside of advisory services, he owns and manages rental property in Alameda, California. Morgan Stanley Wealth Management serves individual and institutional clients by providing advisory programs and tailored financial planning using structured processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers a broad range of investment and planning services.

Shane Westhoelter is a financial advisor with Cambridge Investment Research Advisors based in San Ramon, CA. He holds Series 63 and Series 65 licenses and has 33 years of industry experience. His career includes roles at Continuity Partners Group and Gateway Financial Advisors, where he also serves as an independent insurance agent. Outside of his advisory work, he is involved in various business ventures, including authorship, non-profit board membership, retail operations, and music promotion. Cambridge Investment Research Advisors is a large SEC-registered firm serving individual and institutional clients through a network of independent financial professionals. The firm offers comprehensive financial planning, investment management, and retirement services with a range of portfolio management options and affiliated proprietary strategies.