Nick Klarman is a Financial Consultant who collaborates with clients and their families to develop secure financial plans that encompass retirement planning, investment strategy, and income protection. He emphasizes education to simplify complex financial topics and strives to provide a white-glove experience that facilitates the co-creation of holistic financial plans tailored to individual needs. Nick's professional experience includes roles as an Investment Consultant at Fidelity Investments from 2025 to 2026, and as a Financial Representative at the same firm from 2023 to 2025. He holds a California Insurance License, supporting his expertise in income protection and insurance-related financial planning. Outside of his professional work, Nick engages in family activities, social events with friends, golf, and outdoor adventures.

John Bruzzone is a financial advisor with UBS Financial Services in Walnut Creek, California, holding a Series 63 designation and 41 years of industry experience. He has been with UBS since 2015. Outside of his advisory role, he is a partner in an Angus cattle ranch involved in basic animal care. UBS Financial Services Inc. provides brokerage and investment advisory services to individual, corporate, and institutional clients, combining institutional trading capabilities with wealth management offerings and utilizing proprietary research and model-based asset allocations to tailor client plans.

Cody Smith is a CFP® credentialed financial advisor with 20 years of industry experience. He is currently affiliated with Raymond James Financial Services Advisors, Inc. and Summit Financial Group, where he has worked since 2010 and holds an active role as an independent contractor financial advisor. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional investors. The firm emphasizes tailored, non-discretionary planning using analytical tools and supports a broad network of advisors with specialized offerings such as municipal advisory services and SIMPLE IRA Employer Advisory programs.

David Chang is a financial advisor with Mass Mutual Investors Services in Pleasanton, CA, holding Series 63 and Series 65 licenses with 21 years of industry experience. He previously worked at METLIFE Securities Inc and MassMutual Life Insurance Company. Chang serves as president of the Asian American Insurance & Financial Professional Association. 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 offers collaborative annual planning engagements, educational seminars, and specialized programs including divorce and estate-settlement planning.

Lulu Xiong is a financial advisor at J.P. Morgan Securities with nine years of industry experience. She holds Series 63 and Series 66 licenses and has worked at both J.P. Morgan and Citigroup in various capacities since 2014. 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 combines institutional advisory operations with brokerage and investment management functions, delivering recommendations on a non-discretionary basis.

Alicia Taylor is a financial advisor at Morgan Stanley with eight years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley since 2017. Prior to joining Morgan Stanley, she worked at J.Jill for one year. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a wide range of advisory programs to both individual and institutional clients. The firm emphasizes tailored financial planning supported by structured discovery conversations and proprietary planning tools.

Allan Alcayde is a financial advisor with LPL Financial in Pleasanton, CA, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He has worked at LPL Financial since 2019 and previously spent 10 years with Woodbury Financial Services. Outside his advisory role, he is involved with FB Financial Services and Fremont Bancorp, entities affiliated with Fremont Bank related to his investment advisory work. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a broad range of financial planning, advisory programs, and retirement consulting services, utilizing discretionary and non-discretionary management with access to model portfolios and research from various sources.

Chris Garrigan is a financial advisor with LPL Financial, holding a Series 66 designation and having two years of industry experience. His prior work includes roles at Legion Technologies and Cornerstone, as well as managing his own consulting and financial business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a large national network. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by research and model portfolios.

Laura Lashinsky is a financial advisor at Merrill in Walnut Creek, CA, holding a Series 66 designation with six years of industry experience. She has worked at Bank of America and Merrill since 2019 and previously was employed by the Lafayette School District from 2016 to 2019. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies managed by internal teams and third-party managers for a range of clients including individuals, high-net-worth investors, and charitable organizations.

Anthony Alfisi is a Senior Financial Advisor with Merrill Lynch Wealth Management. He specializes in personalized wealth management strategies tailored to clients’ individual financial goals. Anthony collaborates closely with clients to develop flexible financial plans that address changing market conditions and provide access to Merrill’s investment insights as well as Bank of America’s banking and lending solutions. His expertise includes college and education planning, retirement income and personal retirement planning, portfolio management, tax minimization, and strategies for endowments, foundations, non-profits, defined benefit plans, sports and entertainment clients, and both individual and corporate investment strategy. Anthony holds professional designations as a Chartered Retirement Planning Counselor (CRPC) and a Personal Investment Advisor (PIA). He earned a bachelor's degree from San Francisco State University. Anthony is committed to community involvement and participates in volunteer activities aligned with Merrill’s tradition of service in local communities.

Matthew Costello is a financial advisor at OSAIC with 18 years of industry experience. He holds a Series 66 designation and previously worked for Woodbury Financial Services, Inc. for 10 years. Costello also owns a sole proprietorship involved in insurance sales. OSAIC serves a diverse client base, including individual investors, pension plans, corporations, and charitable organizations, through a large network of affiliated advisers and multiple advisory platforms. The firm employs asset-allocation tools, risk-tolerance questionnaires, and automated rebalancing to manage portfolios that include a broad range of investment products.

Douglas Neubrand is a financial advisor at Wells Fargo Advisors with 34 years of industry experience. He holds Series 63 and Series 65 credentials and has been associated with Wells Fargo entities since 2011. Outside of his advisory role, he serves as an arbitrator in securities dispute resolution. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser offering investment and financial planning services to individuals, trusts, and institutions. The firm provides a broad range of planning services through its network of advisors, utilizing proprietary research and tools to develop tailored client recommendations.

Charles Carter is a financial advisor at OSAIC with 30 years of industry experience. He holds Series 63 and Series 65 licenses and was previously with Securities America, Inc. for 16 years. Outside of his advisory role, he is the sole proprietor of an insurance sales business focused on term life insurance and fixed annuities. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated advisors, offering integrated brokerage, investment advisory services, and access to third-party money managers and managed accounts. The firm utilizes quantitative tools and multiple advisory platforms to construct diversified portfolios tailored to clients’ risk tolerance and investment restrictions.

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.

Brian Krebs is a financial advisor with J.P. Morgan Securities in Pleasanton, CA, holding a Series 66 designation and 16 years of industry experience. He has been with J.P. Morgan Securities since 2012 and previously worked at Posh Mommy and The Pitching Center. 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 these services on a non-discretionary basis, combining large institutional advisory operations with broker-dealer and investment adviser registrations.

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.

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.