Ethan Spain is a financial advisor with Ameriprise in Walnut Creek, CA, holding a Series 66 designation and two years of industry experience. Prior to his current role, he worked at Ameriprise and had employment at Hazy Barbecue and Safeway. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to generate tailored recommendations. The firm provides a broad range of advisory, brokerage, and insurance solutions typical of a large institutional firm.

David Fried is a financial advisor with UBS Financial Services in Walnut Creek, CA, holding Series 63, 65, and 66 licenses and bringing 27 years of industry experience. He has been with UBS since 2014. Outside of his advisory role, he is the proprietor of Les Petits Nursery School, a preschool in Brookline, where he collaborates with the director to oversee business operations. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, offering portfolio management, financial planning, and alternative investment products. The firm combines institutional trading capabilities with wealth management, delivering customized financial strategies supported by proprietary research and capital market insights.

William Hawkins is a financial advisor with LPL Financial, holding a Series 63 license and bringing 32 years of industry experience. He has been affiliated with Global Retirement Partners LLC and LPL Financial since 2014. 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 range of advisory programs, financial planning services, and utilizes model portfolios and third-party research across discretionary and non-discretionary management strategies.

Keri Spanier is a financial advisor at Cambridge Investment Research Advisors with 24 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at firms including LPL Financial, Triad Advisors, and Oakridge Insurance & Financial Services. Cambridge Investment Research Advisors is a large SEC-registered firm serving a broad range of clients, including individuals, pension and profit-sharing plans, charitable organizations, and retirement-plan sponsors. The firm provides financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals offering both proprietary and third-party investment strategies.

Juan Plascencia is a CFP® professional with 10 years of industry experience, currently serving at Wells Fargo Clearing since 2016. He previously worked at Wells Fargo Advisors, LLC from 2015 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and based on modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Oliver Duda is a financial advisor with UBS Financial Services in Walnut Creek, CA, holding a Series 66 designation and 16 years of industry experience. He has been with UBS since 2016. Outside of his advisory work, he serves on the finance committee and board of directors for St. Mary of the Immaculate Conception School, where he is involved in budget review and fiscal planning. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining proprietary research with institutional trading capabilities to tailor plans based on clients’ goals and risk tolerances.

Matthew Peterson is a financial advisor with Cetera and holds a Series 66 designation. He has two years of industry experience and has worked at several firms including Mass Mutual Investors Services and Lenox Advisors. Outside of his financial services career, he has been involved in coaching youth water polo for the Contra Costa United Water Polo organization since 2017. Cetera Investment Advisers LLC is an SEC-registered firm serving a diverse client base that includes individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform allowing advisors to implement a range of portfolio strategies with discretionary and non-discretionary options, supported by a large network of over 10,000 advisors and substantial assets under management.

James Lin is a financial advisor at RBC Capital Markets in Walnut Creek, CA, with 23 years of industry experience. He holds a Series 66 designation and has previously worked at City National Bank, Bank of America, N.A., and Merrill. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm provides various advisory programs with tailored portfolio management and financial planning services, utilizing a combination of in-house and third-party investment managers.

Kory Altheide is a CFP® with 23 years of industry experience, currently serving at Wells Fargo Clearing since 2016. He previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a broader investment menu that includes insurance-related vehicles and bank deposit sweep options.

Brian Mulholand is a financial advisor with J.P. Morgan Securities in Walnut Creek, CA, holding Series 63 and Series 66 licenses and bringing 12 years of industry experience. His prior roles include positions at First Republic Investment Management, First Republic Bank, and Citibank NA. J.P. Morgan Securities LLC 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 to guide its recommendations.

Kayvon Magidi is a CFP® and holds a Series 66 license, with 18 years of experience in the financial services industry. He currently works at Morgan Stanley and previously spent 11 years at J.P. Morgan Securities. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm employs a structured planning process supported by firm-approved tools and serves clients through both direct and corporate financial planning agreements.

Nicole Badovinac is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 10 years of industry experience. She has worked at Cetera and its affiliated entities since 2019, with prior roles at Foresters Financial Services and a brief involvement with Nicks Lounge. Outside of her advisory work, she also works part-time as a shopper and delivery person for Shipt. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a variety of portfolio management and financial planning services, supporting advisors through access to affiliated and third-party managers and multiple program structures.

Aili Hua is a financial advisor with J.P. Morgan Securities LLC, holding Series 63 and Series 66 licenses and bringing 11 years of industry experience. Her career includes roles at JP Morgan Chase Bank, N.A., JP Morgan Securities, LLC, Bank of America, N.A., and Merrill. Additionally, she was involved with Niji Restaurant for 25 years. J.P. Morgan Securities LLC 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 capabilities, delivering non-discretionary programs supported by a centralized due-diligence framework.

Jason Vitucci is a CERTIFIED FINANCIAL PLANNER™ professional with 29 years of industry experience. He is currently affiliated with Osaic Wealth, Inc. and has prior experience at Cetera Advisors LLC and First Allied Advisory Services. Outside of his advisory role, he serves as a board member for the St. Isidore School Foundation, a nonprofit organization supporting tuition assistance. Osaic Wealth, Inc. serves a diverse client base including retail and institutional investors through an extensive network of affiliated advisors. The firm offers integrated brokerage and advisory services and employs various asset allocation tools and third-party platforms to construct and manage portfolios on both discretionary and non-discretionary bases.

Dara Rocchi is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and bringing 28 years of industry experience. His prior work includes roles at Fremont Bank since 2019 and at Unionbanc Investment Services and MUFG Union Bank from 2016 to 2019. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, and brokerage services, with offerings that include discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Edmund Pan is a financial advisor with Ameriprise in Danville, CA, holding a Series 66 designation and 22 years of industry experience. He has been with Ameriprise and its affiliate since 2009. Outside of his advisory role, he is involved in real estate ownership focused on multi-family properties. Ameriprise provides retirement-income planning services targeted at individuals nearing or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver annual, non-discretionary recommendations through a centralized consulting team. As a large institutional firm, Ameriprise offers a broad range of advisory, brokerage, and insurance solutions typical for its category.

John Nash is a financial advisor with Cetera who holds a Series 66 designation and has 26 years of industry experience. His prior roles include positions at Bank of America, Merrill, Sageview Advisory Group, and Cetera Advisor Networks. He is also CEO of a consulting business he founded in 2023. Cetera Investment Advisers LLC serves individual, corporate, charitable, and institutional clients through a nationwide network of independent advisors, offering a variety of portfolio management, financial planning, and retirement services. The firm utilizes a multi-manager platform with discretionary and non-discretionary options, managing over $256 billion in assets across more than 10,000 advisors.

Austin Muto is a financial advisor with Raymond James Financial in San Ramon, CA, holding a Series 66 designation and one year of industry experience. He previously worked at Municipal Pooling Authority and has a background that includes financial planning roles. Outside of his advisory work, he is employed as a financial planning associate at Summit Financial Group, where he contributes to creating financial plan deliverables. Raymond James Financial Services Advisors, Inc. serves a diverse client base ranging from individual investors to institutional and municipal entities. The firm emphasizes non-discretionary financial planning and investment consulting, offering a variety of implementation options supported by firm research and an extensive affiliate network.

Jeffrey Gustafik is a financial advisor at Wells Fargo Clearing with 42 years of industry experience. He holds Series 63 and Series 65 credentials and has worked with Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with options including discretionary plan-level investment selection and a broad range of financial products, including insurance-related vehicles and bank deposit sweep programs.

Lance Mantle is a financial advisor at Fidelity with 11 years of industry experience. He holds a Series 66 designation and has worked at Fidelity Investments since 2022, following prior roles at Wells Fargo Clearing and Wells Fargo Advisors, LLC. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors, through a combination of proprietary research, quantitative analysis, and algorithmic portfolio construction. The firm also serves as an advisor to multiple registered investment companies and develops model portfolios for intermediary platforms.