Virgil Threlkeld is a financial advisor with LPL Financial in Alamo, CA, holding Series 63 and Series 65 licenses and with 29 years of industry experience. He has been associated with Advantage Wealth Advisors and LPL Financial since 2015. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a diverse client base including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services, providing both discretionary and non-discretionary management supported by research and model portfolios.

Patrick Mc Ginty is a financial advisor at Morgan Stanley with a Series 66 credential and three years of industry experience. He has worked at Morgan Stanley since 2023, including a role at Morgan Stanley Private Bank, N.A. since 2025. His prior experience includes positions at First Republic Securities Company, LLC and First Republic Investment Management, Inc. Morgan Stanley Wealth Management serves both individual and institutional clients by offering a range of advisory programs and tailored financial planning. The firm employs a structured planning process utilizing firm-approved tools and models to assist clients in managing approximately $2.74 trillion in assets.

Benjamin Lam is a financial advisor at UBS Financial Services with 43 years of industry experience. He holds Series 63 and Series 65 credentials and has been with UBS since 2016. Lam jointly owns several rental properties with his spouse, though he does not participate in their management. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining proprietary asset allocation models and research to tailor plans to clients’ goals. The firm integrates institutional trading capabilities with wealth management and provides a broad range of financial services including fee-based planning, portfolio management, and capital markets support.

Andrey Movsesyan is a Wealth Management Advisor at Merrill Lynch Wealth Management. He brings 20 years of experience in financial services, having started his career at Citibank in 2005 and subsequently working at Wells Fargo Private Bank, Abbot Downing (formerly Wells Fargo Family Wealth), First Republic Bank, Prudential Financial, and BBVA Global Wealth. Throughout his career, he has assisted teams in managing investments for institutional and individual clients with assets ranging from $1 million to $1 billion. Andrey holds a Bachelor's degree in Economics and an MBA from San Francisco State University. He has earned several professional designations, including Chartered Financial Analyst (CFA), CERTIFIED FINANCIAL PLANNER (CFP), Chartered Market Technician (CMT), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). His expertise includes education planning, family wealth management strategies, liquidity management, retirement income planning, and tax minimization. Residing in Danville, California, Andrey enjoys spending time with his wife, Anastasiia, and their two children, Katerina and Viktor. The family often spends time outdoors, particularly at their cabin in Groveland, near Yosemite National Park. He is actively involved in his community and serves as a board member for the Epilepsy Foundation of Northern California.

Ricky Siu is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 13 years of industry experience. He has worked with Wells Fargo in various capacities since 2013, including roles at Wells Fargo Advisors LLC and Wells Fargo Bank NA. 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 solutions. 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.

Robby Engeldinger is a financial advisor at Wells Fargo Clearing with nine years of industry experience. He holds Series 66 and Series 63 licenses and has worked at several firms, including LPL Financial, BMO Bank NA, and Bank of America. Outside of his advisory role, he is a co-owner of a rental property in Arnold, California. Wells Fargo Advisors is a national securities firm offering investment advisory, financial planning, and retirement plan consulting services to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Vener Lansang is a financial advisor at Ameriprise with nine years of industry experience. He holds a Series 66 designation and has been with Ameriprise since 2014, including its predecessor firm. Ameriprise is a large institutional firm that offers a retirement-income planning service focused on clients approaching or in retirement with significant investable assets. The firm provides a range of advisory, brokerage, and insurance solutions, combining research, modeling, and tax-efficient strategies to deliver personalized, non-discretionary recommendations.

John Saylor is a financial advisor with LPL Financial in Concord, CA, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has been with LPL Financial since 2015 and also operates Saylor Insurance & Financial Services, a separate business active since 1999. Additionally, he is involved with Credit Risk Management, LLC, focusing on property and casualty risk. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations nationwide. The firm provides a range of advisory programs, financial planning, retirement consulting, and brokerage services, utilizing model portfolios and research from both internal and third-party sources.

Bryan Matheney is a financial advisor at J.P. Morgan Securities with 16 years of industry experience. He holds Series 63 and Series 65 licenses and has been with J.P. Morgan Securities since 2012. Outside of his advisory role, he has limited involvement in a real estate investment LLC formed to purchase property in Star, Idaho. 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 through a select group of Wealth Advisors. The firm delivers recommendations on a non-discretionary basis and integrates institutional advisory capabilities with affiliated brokerage and investment management services.

Kevin Mcgregor is a financial advisor at Cetera with 31 years of industry experience. He holds Series 63 and Series 65 licenses and has a background that includes roles at Avantax Investment Services and Avantax Insurance Agency. In addition to his advisory work, he operates tax preparation and accounting businesses and serves as a fiduciary managing finances and long-term care matters for clients. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a range of portfolio management and financial planning services and features a multi-manager platform with access to both affiliated and third-party investment strategies.

James Collini is a financial advisor with Stifel in Walnut Creek, CA, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has been with Stifel Nicolaus & Co. Inc. since 2008. Outside of his advisory role, Collini serves as a board member for Friends of Camp Concord, a nonprofit that raises funds to send underprivileged children to summer camp, and is president of the Charles Reid Foundation, which organizes an annual Christmas event for poor children. Stifel provides brokerage and investment advisory services to a diverse client base including individuals, institutional clients, and charitable organizations. The firm employs a proprietary investment methodology developed by its Investment Strategy Group to offer asset allocation and planning analyses, with clients retaining discretion over implementation.

David Weed is the Vice President and Branch Leader at Fidelity Investments, a position he has held since 2023. He leads a team of financial advisors who work with clients to pursue their financial goals. Prior to this role, he served as Vice President and Regional Planning Consultant from 2018 to 2023, Assistant Branch Office Manager from 2015 to 2018, and began his career with Fidelity as a Financial Consultant from 2012 to 2015. David holds a California Insurance License. Outside of his professional responsibilities, he enjoys camping, family activities, fitness, football, social events with friends, and snowboarding.

Jonathan Negrete Torres is a Financial Consultant at Fidelity Investments, where he has been working since 2026. He has held various roles at Fidelity since 2022, including Investment Consultant, Relationship Manager, and High Net Worth Associate. Prior to his tenure at Fidelity, he worked as a Registered Administrative Associate at LPL Financial from 2021 to 2022. Jonathan holds a California Insurance License, supporting his work in financial consulting. His approach involves listening to clients and understanding their financial priorities to create customized strategies that align with their life goals. Outside of his professional work, Jonathan's interests include family activities, fitness, golf, outdoor adventures, and soccer.

Daniel Morcos currently serves as a Planning Consultant at Fidelity Investments. In this role, he focuses on working closely with clients to develop individualized financial plans that navigate markets and investments effectively. Daniel's experience at Fidelity Investments spans multiple roles, including Relationship Manager, Financial Representative, and Financial Services Representative. This progression reflects a comprehensive understanding of financial services and client relationship management. He holds a California Insurance License. Outside of his professional career, Daniel enjoys fishing, gardening, golf, and running.

Ethan Moberg is a financial advisor at Morgan Stanley in Oakland, CA, holding a Series 66 designation. He has been with Morgan Stanley since 2025 and previously worked at Alo, Vuori, and Ritz-Carlton. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm provides tailored financial planning and a wide range of advisory programs, managing approximately $2.74 trillion in client assets.

Huayan Xiao is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. Prior to joining Merrill in 2022, Xiao worked at Bank of America and Tod's. Merrill provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm uses internal and third-party investment models and supports various trading and account administration functions.

Mei Xie is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. Her prior roles include positions at National Life Group, Oak Valley Community Bank, and Wells Fargo Bank. She also has experience with HomeSmart PV & Associates and Delight Signing LLC, and served at Redeemer Church for nine years. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, providing model-based and discretionary investment strategies for individuals, high-net-worth clients, and various institutions.

Janna Magdaleno is a Series 66-credentialed financial advisor with 15 years of industry experience. She currently works at J.P. Morgan Securities and JPMorgan Chase Bank, N.A., having previously been with Morgan Stanley Wealth Management and Bank of America Merrill Lynch. Magdaleno is also involved in business activities with TNT Land Holdings LLC and Terra Nova Trading Inc. 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 an ESG eligibility framework.

Brandon Wise is a financial advisor at Wells Fargo Advisors with two years of industry experience. He holds the Series 66 designation and has previously worked at Osano and Multiview. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that offers 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 sports & entertainment planning, using proprietary research and tools to develop customized recommendations.

Jaime Zapata is a Series 65-credentialed financial advisor with Cambridge Investment Research Advisors in Walnut Creek, CA, and has one year of experience with the firm. He has been associated with Cambridge Investment Research, Inc. since 2016. Cambridge Investment Research Advisors is a large SEC-registered adviser that serves a diverse client base including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory through a network of independent Financial Professionals, employing a range of portfolio management strategies tailored to client objectives.