Justin Talamantes is a financial advisor at J.P. Morgan Securities with six years of industry experience. He holds a Series 66 designation and has worked with JPMorgan Chase Bank and J.P. Morgan Securities since 2019. Outside of his advisory role, he owns and operates an Amazon FBA e-commerce business through Silent Mantis LLC. 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 screens and qualitative research, incorporating ESG criteria and offering broader derivatives and commodities capabilities.

Kimy Smith is a financial advisor at Mass Mutual Investors Services with 12 years of industry experience. She holds Series 63 and Series 65 licenses and has been with MML Investors Services LLC and MassMutual Life Insurance Company since 2014. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser, providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm uses a collaborative, annual planning process with firm-approved software tools and offers a range of programs including estate settlement and employer-sponsored planning.

James Simpson is a financial advisor with Morgan Stanley in Pleasanton, CA, holding Series 63 and Series 65 credentials and bringing 39 years of industry experience. His career includes roles at Citigroup Global Markets from 1993 to 2009 and Morgan Stanley Smith Barney since 2009, along with Morgan Stanley Private Bank starting in 2015. Morgan Stanley Wealth Management offers advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm uses a structured planning process supported by proprietary tools and emphasizes an advisory role in financial planning without providing individual security recommendations as part of standalone plans.

Xiao Lu Jiang is a financial advisor at Charles Schwab with eight years of industry experience. She holds the CFP® designation along with Series 63 and Series 66 licenses. Her prior experience includes roles at TD Ameritrade and Citi Bank. Jiang is based in Pleasanton, CA. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program and affiliated managed-account and financial planning services. The firm offers both non-discretionary and discretionary investment options, combining broad scale with integrated custody, brokerage, and advisory services.

Daniel Quinn is Vice President and Branch Leader at Fidelity Investments. In this role, he leads a team of financial professionals who partner with clients to develop comprehensive plans and investment strategies tailored to their financial goals. Daniel has been with Fidelity Investments since 2000, progressing through roles including Financial Representative II, Financial Planning Consultant, Assistant Branch Manager, and Vice President Branch Leader since 2012. Prior to joining Fidelity, he worked as a Financial Consultant at WM Financial Services from 1999 to 2000. He holds a California Insurance License.

Kathryn Tuemmler is a CFP®-designated financial advisor with Cambridge Investment Research Advisors, bringing four years of industry experience. She has been with Cambridge Investment Research entities since 2021 and has additional work history in education and health-related fields. Outside of her advisory role, she is involved as an author, educator, podcast host, and speaker through Intersect Financial, LLC. Cambridge Investment Research Advisors serves a diverse client base including individuals, institutions, pension plans, and charitable organizations by offering financial planning, investment management, and retirement-plan advisory services. The firm operates multiple management platforms and maintains proprietary model strategies through its Founders Gate Capital brand.

Fei Chiang is a financial advisor at LPL Financial with 29 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at LPL Financial since 2012, following prior roles at Wells Fargo Clearing and Ifmg Securities. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides a range of financial planning and portfolio management options supported by extensive operational and research tools.

Vivian Chu is a financial advisor at OSAIC with 28 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at firms including Woodbury Financial Services and Questar Capital Corporation. Outside of her advisory role, she serves as CEO of Willner and Associates, providing employee benefits and administrative services for small businesses. OSAIC Wealth serves a diverse client base through a multi-advisor platform offering brokerage and advisory services, including comprehensive financial planning and retirement plan consulting. The firm utilizes model-based asset allocation and portfolio optimization supported by various analytical tools and offers both discretionary and advisor-managed investment strategies.

Joseph Mckissack is a financial advisor with Charles Schwab in Pleasanton, CA, holding Series 63 and Series 65 credentials and 24 years of industry experience. He has been with Charles Schwab and Charles Schwab Bank Ssb since 2008. 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 and offers multi-asset model portfolios supported by research from the Schwab Center for Financial Research.

Samantha Balboni is a financial advisor with OSAIC, holding Series 63 and Series 65 designations and bringing 30 years of industry experience. Prior to joining OSAIC in 2025, she spent three decades at Lincoln Financial Advisors Corporation. Outside of her advisory role, she volunteers as a Veteran's Coordinator for the Elks Lodge, assisting formerly homeless veterans. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of brokerage and advisory services with an investment approach focused on model-based asset allocation, portfolio optimization, and flexible management strategies.

Rosalyn Antonio is a financial advisor with Edward Jones in Castro Valley, CA, holding the CFP®, ChFC®, and Series 66 credentials. She has 10 years of industry experience and has been with Edward Jones since 2015. Outside of her advisory role, she serves as president of the WMMS Music Boosters in San Leandro, coordinating projects and communications with families and the music director. Edward Jones is a full-service wealth management firm serving individual and institutional clients, with over $1 trillion in assets under management supported by more than 23,700 advisors nationwide. The firm offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Jason Pera is a CFP® with 23 years of industry experience, currently serving at OSAIC since 2024. He previously worked at Woodbury Financial Services, Inc. for 17 years and at Equitable Advisors for one year. Pera is a board member of the St. Isidore School Foundation, where he helps organize fundraising events and participates on the investment sub-committee. OSAIC Wealth serves a diverse client base including retail investors, retirement plan sponsors, charities, and corporations, offering both brokerage and advisory services through a multi-advisor platform. The firm employs a model-based investment process emphasizing asset allocation, portfolio optimization, and risk management, with a platform notable for its scale, affiliate network, and range of program offerings.

Germaine Cordes is a ChFC® credentialed financial advisor with 24 years of industry experience. She currently works at OSAIC and previously held positions at Securities America, Inc. and Foothill Securities, Inc. Cordes is also a notary and has provided business consulting services related to employee benefits and financial statement review. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of brokerage and advisory services with an investment process focused on model-based asset allocation, portfolio optimization, and flexible strategy implementation.

Logan Byron is a financial advisor with Charles Schwab in Walnut Creek, CA, holding a Series 66 designation and beginning his advisory career in 2025. His prior experience includes roles at Morgan Stanley and various education and entrepreneurial ventures. Outside of finance, he has been involved with Artificial Mind, Inc. (dba Socratics.ai) and the Herbst Academic Center. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, combining non-discretionary advisory services with access to affiliated discretionary separately managed accounts and alternative investments. The firm’s scale and integrated structure support centralized custody, supervisory services, and a blend of advisory models.

Liming Zhang is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and six years of industry experience. Prior to joining J.P. Morgan Securities in 2020, Zhang worked at Citibank and Qiaoli Hu CPA, and spent two years at the University of California, Los Angeles. 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 through a non-discretionary program. The firm’s advisory process combines quantitative screening and qualitative research to build model asset allocations and incorporates broader derivatives and commodities capabilities.

Roberto Santos is a financial advisor at Fidelity with 25 years of industry experience. He holds the Series 66 designation and has worked in various roles within Fidelity since 2000, including positions at Fidelity Personal and Workplace Advisors and FIDELITY Brokerage Services LLC. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm manages a range of portfolios and funds, leveraging systematic methodologies and oversight controls, and is noted for its use of advanced technologies and formal roles advising registered investment companies.

Neil Hunter Smith is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds Series 63 and Series 65 licenses and has three years of industry experience. Prior to joining Raymond James, he worked at NYLIFE Securities LLC and New York Life Insurance Company. Outside of finance, he previously managed entrepreneurial ventures including Lightning Fit and Urban Golf Performance. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual and institutional clients. The firm offers tailored, non-discretionary planning and utilizes analytical tools to model potential outcomes, supporting implementation through advisory programs or other providers.

Prabhleen Kaur Dhanda is a financial advisor at Charles Schwab with one year of industry experience. She holds the Series 66 designation and has worked at several financial institutions, including Wells Fargo Bank, Bank of America, and Merrill Lynch. 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 multi-asset model portfolios and alternative investment options.

Kristopher Watts is a financial advisor at Morgan Stanley in Pleasanton, CA, holding Series 65 and Series 63 credentials with 11 years of industry experience. He has been with Morgan Stanley and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves individual and institutional clients by providing a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools.

Gail Coleman is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. She has been with Wells Fargo Clearing since 2017 and previously worked for the San Ramon Valley Unified School District for two years. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from the Wells Fargo Investment Institute and third-party sources.