John Israel is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2020. He has been in the financial services industry since 1999, working with clients and families to support their financial goals. His professional focus is on wealth planning and providing tailored strategies for a variety of investor styles. Before his current role, John worked as a Relationship Manager at Fidelity Investments from 2015 to 2019. Prior to that, he served as a Brokerage Consultant at Wells Fargo Advisors between 2011 and 2015. His earlier career includes roles at Crédit Agricole as an Internal Auditor Manager from 2007 to 2011 and as a Capital Market Operation Supervisor from 2005 to 2007, as well as an Associate in Capital Market Operations at American Express from 1999 to 2005. John holds a California Insurance License.

Yun Messina is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and having one year of industry experience. Prior to joining J.P. Morgan Securities and JPMorgan Chase Bank in 2026, Messina worked at Rockefeller Financial and Sierra Pacific Financial. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Andrew Ross is a financial advisor at Wells Fargo Advisors with 29 years of industry experience. He holds the Series 63 and Series 65 designations and has worked within various Wells Fargo entities since 2011. Wells Fargo Advisors Financial Network is a large broker‑dealer and registered investment adviser offering investment and fee‑based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services, including specialized areas such as business-owner transition and special‑needs analysis, using proprietary research and planning tools.

Michael Rothschild is a financial advisor at Ameriprise with 23 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Ameriprise since 2018, following roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Outside of his advisory work, he serves on the Board of Directors and as Treasurer for SRVLL. Ameriprise provides a retirement-income planning service tailored to individuals approaching or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency analysis to deliver personalized recommendation reports. The firm offers a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Adam Koch is a financial advisor with Wells Fargo Clearing in Walnut Creek, CA, holding a Series 66 designation and 16 years of industry experience. Prior to joining Wells Fargo in 2019, he worked at Ameriprise Financial Services, Inc. from 2015 to 2019. He serves as an instructor for the Passport to Retirement program. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broader range of financial products, such as insurance-related vehicles and bank deposit sweep options.

Khalid Bashir is a financial advisor at Wells Fargo Clearing with nine years of industry experience. He holds the Series 63 and Series 66 designations and has been with Wells Fargo Clearing Services LLC and Wells Fargo Bank NA since 2016. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Mark Lobdell is a financial professional with 47 years of industry experience, currently affiliated with Cetera in Walnut Creek, CA. He holds Series 63 and Series 65 designations and has worked with Cetera and its affiliates since 2008. Lobdell also operates Lobdell & Lane Wealth Management, a financial services business. Cetera Investment Advisers LLC is an SEC-registered advisor serving a wide range of clients, including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers diversified portfolio management and financial planning services through a multi-manager platform that includes both affiliated and third-party investment options.

Hannah Young is a financial advisor at Charles Schwab with five years of industry experience. She holds a Series 66 designation and has worked at Charles Schwab & Co., Charles Schwab Bank, TD Ameritrade, Vector Marketing, and Impact Martial Arts. 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 management, using multi-asset model portfolios and a centralized operational structure.

Katherine Egan is a financial advisor at Raymond James & Associates with one year of industry experience. She holds the Series 66 designation. Prior to joining Raymond James, she worked at Finley Technologies and Receipt Bank. Outside of her advisory role, she serves as secretary and board member for Grateful Gatherings, a nonprofit organization assisting families in the San Francisco Bay Area with housing and transitioning out of homelessness. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser serving a broad client base, including individuals, institutions, and government entities. The firm provides wealth advisory planning and investment consulting on a non-discretionary basis, utilizing firm-sponsored wrap programs, model managers, and institutional consulting services.

Distefano Palma is a financial advisor at Merrill with a Series 66 credential and one year of industry experience. Prior to joining Merrill, Palma held roles at Equitable Advisors, LLC and Supreme, and has work experience outside finance including at The North Face and Marshalls. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a broad client base that includes individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Sultan Rahimi is a financial advisor with Merrill Lynch Wealth Management, specializing in family wealth management strategies, personal retirement planning, and tax minimization. He is committed to helping individuals and families build, preserve, and manage wealth through personalized financial strategies that align with their unique goals. Rahimi holds a Bachelor of Science in Business Administration with a concentration in Finance from California State University, East Bay. He has earned professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). His approach is grounded in continuous learning and a disciplined methodology aimed at providing thoughtful advice and clear communication. Outside of his professional work, Sultan Rahimi enjoys biking, camping, cooking, fishing, golfing, hiking, reading, spending time with his family, traveling, and watching movies. His personal philosophy centers on uncovering what matters to clients and their families to create strategies that pursue their financial goals.

Dennis Sechrest is a Wealth Management Advisor with Merrill Lynch Wealth Management. He holds multiple designations including Certified Private Wealth Advisor® (CPWA®), Certified Exit Planning Advisor (CEPA), Certified Plan Fiduciary Advisor (CPFA®), Merrill Retirement Benefits Consultant (RBC), and Sports and Entertainment Accredited Wealth Management Advisor™ (SE-AWMA™). He is also qualified as a Senior Portfolio Manager capable of managing discretionary investment strategies. Dennis graduated from the University of California, Berkeley, in 1976 with a B.S. in Civil Engineering. He attended the Stanford Executive Program at the Graduate School of Business at Stanford University in 1998, where he was elected President of his class. His professional experience spans portfolio management, corporate benefits, family wealth management strategies, personal retirement planning, and services for defined benefit and contribution plans. He is active in community and professional organizations, including serving on the board of the All Wars Memorial Foundation and participating as a member of the Contra Costa County Sheriff’s Posse, Alameda County Honorary Deputy Sheriffs, the United States Secret Service San Francisco Cyber Fraud Task Force steering committee, and the University of California Rugby Advisory Board. Dennis resides in Alamo, California.

Andrew Jison is a Senior Financial Advisor at Merrill Lynch Wealth Management in Walnut Creek, CA. He focuses on personalized wealth management strategies that align with clients' evolving financial needs and goals. His professional expertise includes corporate benefits, employee benefits planning, legacy planning, liquidity management, managing new wealth, portfolio management services, and working with clients in the sports and entertainment industries. Andrew holds a Bachelor's Degree from Saint Mary's College of California and has obtained the Personal Investment Advisor (PIA) designation. He is a member of the Diablo View Rotary Club and is actively involved in community service. Fluent in English and Spanish, he applies his team's investment philosophy centered on effective risk management, capital growth, preservation, and multiplication to support high-net-worth individuals, families, and businesses. Outside of his professional role, Andrew enjoys basketball, music, spending time with his family, and watching movies. He values the importance of family and generational wealth, influenced by his connections to the Filipino community and his educational experiences that underscore hard work and service.

Phillip Jerome is a financial advisor with Charles Schwab in Oakland, CA, holding Series 63 and Series 66 designations and 30 years of industry experience. He has been with Charles Schwab since 2006. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering bundled advisory, brokerage, custody, and cash-sweep services. The firm combines non-discretionary client relationship models with access to discretionary separately managed accounts and employs multi-asset model portfolios supported by in-house research.

Jennifer Napper is a Certified Financial Planner (CFP®) with 18 years of experience in the financial services industry. She has been with Raymond James & Associates since 2018 and previously worked at Mass Mutual Investors Services, MassMutual Life Insurance Co, and Metlife Securities Inc. Raymond James & Associates offers financial planning and investment consulting to a diverse client base, including individuals, employer-sponsored retirement plans, corporate and charitable entities, and government clients. The firm provides tailored financial plans and asset-allocation analyses through its Wealth Advisory Services Program and supports municipal clients through its Institutional Fiduciary Solutions division.

Nityesh Arumugam is a financial advisor with Mass Mutual Investors Services in Pleasant Hill, CA, holding a Series 66 designation and one year of industry experience. His prior roles include positions at MML Investors Services, MassMutual Life Insurance Co, and Lenox Advisors. He is also active as an insurance broker, focusing on life, disability, long-term care, fixed annuities, and health insurance. MassMutual Investors Services, LLC operates as a broker-dealer and SEC-registered investment adviser that offers financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides structured, collaborative financial planning engagements supported by firm-approved software and offers specialized planning services including divorce and estate-settlement planning.

Corinna Lam is a financial advisor with Charles Schwab in Oakland, CA, holding Series 63 and Series 66 licenses and 26 years of industry experience. She has been with Charles Schwab since 1999 and Charles Schwab Bank since 2005. Outside of her advisory role, Lam is involved in real estate property management as a landlord in multiple locations. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth clients through its Schwab Wealth Advisory program, offering a mix of non-discretionary and discretionary investment management supported by multi-asset model portfolios and alternative investment options.

Esteban Zuno is a financial advisor with LPL Financial, holding a Series 66 designation and 19 years of industry experience. Prior to joining LPL in 2024, he worked at U.S. Bancorp Investments, Inc. for 11 years and has also been associated with Redwood Credit Union and CUSO Financial Services, LP. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, brokerage services, and access to model portfolios and research from multiple sources.

David Tucker IV is a financial advisor at RBC Capital Markets in Walnut Creek, CA, holding Series 63 and Series 65 licenses with one year of industry experience. He previously worked at City National Bank and has a background that includes education at the University of Oregon. RBC Wealth Management, a division of RBC Capital Markets, serves individual and institutional clients through various advisory programs offering portfolio management, financial planning, custody, and brokerage services. The firm employs tailored investment strategies implemented via a mix of in-house and third-party managers, supporting both discretionary and non-discretionary accounts.

Michael Dooher is a financial advisor with Equitable Advisors in Walnut Creek, CA, holding a Series 66 designation and 17 years of industry experience. He has been with Equitable Advisors since 2009 and previously worked with Axa Advisors, LLC from 2009 to 2020. Outside of his advisory role, he serves as an administrator of a personal trust. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement plan support, and access to asset management through LPL programs and third-party asset managers. The firm operates a hybrid referral and implementation model, offering both advisory and brokerage/insurance channels tailored to client goals and risk tolerance.