Charles Tyler is a financial advisor with Cambridge Investment Research Advisors, holding Series 63, 65, and 66 licenses and bringing 33 years of industry experience. He has been with Cambridge Investment Research Advisors and Cambridge Investment Research, Inc. since 2006 and also serves as Chief Investment Officer at Capital Planning Partners, a role he has held since 2002. In addition to his advisory work, he operates as an independent insurance agent. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, retirement plan advisory, and financial-wellness services through a network of independent professionals, utilizing both proprietary and third-party strategies across multiple platforms.

Joyce Howell is a financial advisor at Cetera with 38 years of industry experience. She holds Series 63 and Series 65 credentials and has been with Cetera and its affiliates since 2012. Outside of her advisory role, Howell provides retirement lifestyle coaching and serves as an estate plan consultant, gathering data for estate plan documents to be forwarded to attorneys. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, retirement plans, corporate, charitable, and institutional clients through a large nationwide network of independent advisors. The firm offers discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers through various program structures and custodial relationships.

Michelle Phradichith is a financial advisor at Charles Schwab with seven years of industry experience. She holds Series 63 and Series 66 designations and previously worked at Fidelity Investments from 2018 to 2025 and at other firms including Veritude and REAL Software Systems. Charles Schwab & Co., Inc. serves a primarily high- and ultra-high-net-worth client base 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 in-house research and due diligence on alternative investments.

Eric Pearson is a financial advisor at Merrill with 20 years of industry experience. He holds the Series 66 designation and has been with Merrill since 2009. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, and institutional investors. The firm’s integration with Bank of America allows access to a broad set of financial products and services.

Melanie Foster is a financial advisor at Wells Fargo Clearing with 17 years of industry experience. She holds the Series 63, Series 65, and Series 66 designations and previously worked at Bank of America and Merrill. 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.

Jeremy Lew is a Series 66-registered financial advisor with UBS Financial Services in Walnut Creek, CA, bringing 20 years of industry experience. He has been with UBS since 2012. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services and uses proprietary research and asset allocation models to tailor client strategies.

Adam Love Jr. is a financial advisor with Wells Fargo Clearing in Walnut Creek, CA, holding Series 63 and Series 65 designations and bringing 35 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2009 to 2016. 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 solutions. The firm’s approach is driven by investment policy statements and modern portfolio theory, tailoring services to plan objectives and risk tolerances, and includes a notable range of financial products such as insurance-related vehicles and bank deposit sweep options.

Bryant Dawson is a financial advisor at Wells Fargo Clearing with 15 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Wells Fargo Clearing since 2016, following six years at Wells Fargo Advisors LLC and 12 years at Wells Fargo Bank, N.A. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and based on modern portfolio theory, with a notable range of investment options that include insurance-related vehicles and bank deposit sweep programs.

Irvin Hu is a financial advisor with Mass Mutual Investors Services in Pleasant Hill, CA, holding a Series 66 designation and 13 years of industry experience. He has worked at Lenox Advisors, Inc., Mass Mutual Investors Services, Mass Mutual Life Insurance Company, Axa Advisors, LLC, and Equitable Advisors. In addition to his advisory role, Hu serves as Vice President at Lenox Advisors, Inc., where he is involved in outside insurance sales including life, disability, long-term care, fixed annuities, and health insurance. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm uses firm-approved software for detailed goal analysis and delivers written financial recommendations through ongoing collaborative relationships.

Andrew Vasquez is a financial advisor with Mass Mutual Investors Services based in Pleasant Hill, CA. He holds the ChFC® designation and securities licenses Series 63 and Series 65, and has 30 years of industry experience. His career includes 22 years at Metlife Securities Inc. before joining Mass Mutual Investors Services and MassMutual Life Insurance Co. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, structuring planning engagements as annual, collaborative relationships that use firm-approved software tools to analyze goals and provide written recommendations.

Maximilian Clark is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and two years of industry experience. He has been with Wells Fargo since 2023 and previously studied at the University of California, Berkeley. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary solutions tailored to plan objectives and risk tolerances. The firm’s advisory approach is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Eileen Mumma is a financial advisor at UBS Financial Services with eight years of industry experience. She has held roles at UBS since 2017 and previously worked at The Capital Group from 2014 to 2017. She holds the Series 66 designation. UBS Financial Services serves individual, corporate, and institutional clients by offering brokerage and investment advisory services, including financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management, utilizing proprietary research and model-based asset allocations to tailor investment strategies.

Richard Martell Jr. is a financial advisor with LPL Financial, holding Series 63 and Series 65 designations and bringing 48 years of industry experience. He previously worked at National Planning Corporation for 12 years before joining LPL Financial in 2017. Martell is also co-owner of BFM Wealth Management, a firm that provides tax preparation services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs and financial planning services, combining discretionary and non-discretionary management with research-supported model portfolios and various investment strategies.

Ernest Holguin is a CFP® with 29 years of industry experience, currently serving as a financial advisor at Wells Fargo Advisors since 2014. He holds Series 63 and Series 65 licenses. Holguin has ownership interests in multiple financial practices, including Presidio Group Wealth Management, LLC and Presidio Group Growth Partners, LLC. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that offers investment and financial planning services to individuals, trusts, and institutions. The firm provides a broad range of planning services using proprietary research and tools, with clients able to choose how to implement recommendations through its brokerage or advisory programs.

Jamie D'amico is a financial advisor at Wells Fargo Clearing with 11 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors from 2005 to 2016. He holds a Series 63 designation. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Jaime Estrada is a financial advisor with Wells Fargo Advisors in Walnut Creek, CA, holding a Series 66 designation and 15 years of industry experience. He has been with Wells Fargo Advisors and its affiliates since 2010. Outside of his advisory role, Estrada coaches basketball at De La Salle High School in Concord, CA. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, serving individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services, including specialized planning areas, and integrates advisory services with other financial products and referral channels.

Argenis Biscardi Melendez is a CFP®-certified financial advisor with six years of industry experience, currently affiliated with OSAIC in Lafayette, CA. His prior work history includes roles at Royal Alliance Associates, NYLIFE Securities, and New York Life Insurance Company. He also serves as part of a core group of advisors at Pacific Financial Partners, assisting with insurance and investment products for existing clients. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and nonprofits, offering integrated brokerage and advisory services through a large network of financial advisors and multiple advisory platforms. The firm utilizes various asset-allocation tools, risk assessments, and third-party money managers to construct portfolios across a wide range of asset classes.

Tiffany Ho is a financial advisor at Merrill with six years of industry experience. She holds the Series 66 designation and has worked at Merrill since 2021. Prior to this, she was with LPL Financial, Jackson Square Financial, and Primer Access. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a broad client base including individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Nicholas OConnor is a Financial Consultant at Fidelity Investments, a role he has held since 2025. Prior to this, he worked as an Investment Consultant at Fidelity Investments from 2023 to 2025. In his current position, Nicholas partners with clients to understand their financial goals and develops customized plans that address their unique needs. Nicholas holds a California Insurance License, which supports his work in financial consulting. He prioritizes forming strong relationships with clients and their families, emphasizing trust, reliability, and competency in his professional approach. Outside of his professional life, Nicholas enjoys a variety of personal interests including board games, boating, camping, fishing, football, and skiing.

Daniel Ghinazzi is a financial advisor with Cetera who holds a Series 63 designation and has 50 years of industry experience. He has been with Cetera and its related entities since 2013. Outside of his advisory role, he is involved in the sale of fixed insurance products and operates a financial services business under the name East Bay Financial Network. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a nationwide network of advisors and features a multi-manager platform with various investment program options.