Zhangde Lin is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 66 licenses and possessing two years of industry experience. Prior to joining Wells Fargo Advisors Financial Network in 2026, Lin worked at Merrill for eight years and has experience as a delivery and ride-share driver for several platforms including Uber, DoorDash, and Amazon. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, offering investment and fee-based financial planning services to individuals, trusts, and institutional clients through a wide range of planning options tailored to clients meeting specific net-worth thresholds.

Mark Mattingly is an International Wealth Advisor at Merrill Lynch Wealth Management, where he leads a team providing specialized wealth management solutions for corporate executives and plan sponsors. His focus includes equity compensation and stock plan services, leveraging the global resources of Bank of America and Merrill to deliver integrated advice tailored to complex financial strategies. Mark began his career in 1996 at Bear Stearns in Los Angeles and has over two decades of experience advising clients at firms such as JPMorgan and UBS in San Francisco. Since joining Merrill Lynch in 2017, he has concentrated on advising clients on optimizing stock-based compensation, managing concentrated positions, and integrating corporate benefits into disciplined long-term wealth strategies. His client focus areas include corporate benefits, executive compensation, equity compensation services, international wealth management, and portfolio management. He holds an Equity Plan Consultant (EPC) designation and is a Personal Investment Advisor (PIA). His education includes a High School Diploma from Lincoln High School, as well as non-accredited certificate programs from Delta College and California State University, Chico. Outside of work, Mark enjoys basketball, football, golfing, soccer, and tennis, and his family has resided in the Bay Area for 23 years.

Isabel Flowers is a financial advisor at Fidelity with a Series 66 credential and one year of industry experience. Her prior work includes roles at BMO Bank, Macy's Inc., Qless, and Ismocol S.A. She is based in Walnut Creek, California. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage a range of portfolios, and holds distinct regulatory registrations uncommon among large institutional peers.

Calvin Hong is a financial advisor at Merrill with seven years of industry experience. He holds a Series 66 designation and has worked at both Bank of America, N.A. and Merrill since 2013. Merrill, along 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 strategies for a range of individual and institutional investors.

Manija Rasouli is a financial advisor at Merrill with eight years of industry experience. She holds Series 63 and Series 66 designations and previously worked at Citigroup and CitiBank. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services for Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Ashot Minasyan is a financial advisor with Equitable Advisors in Walnut Creek, CA, holding a Series 66 designation and nine years of industry experience. He has been with Equitable Advisors since 2017 and previously worked at AXA-Advisors, LLC, as well as in residential brokerage. Equitable Advisors serves individual clients, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients, offering financial planning, retirement plan consulting, and a range of asset-management programs through a network of Investment Adviser Representatives. The firm utilizes various advisory models including third-party TAMPs and provides ERISA fiduciary services to qualified plans.

Pema Tenzin is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 10 years of industry experience. Pema has been with Wells Fargo Clearing since 2016 and previously worked with Wells Fargo Advisors LLC and Wells Fargo Bank, N.A. No additional outside activities are noted. 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 approach 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.

Joshua Villalta is a financial advisor with Charles Schwab in Walnut Creek, CA, holding Series 63 and Series 66 licenses and seven years of industry experience. Prior to Schwab, he worked at Wells Fargo and J.P. Morgan Securities. In addition to his advisory roles, he was briefly involved with Danville Brewing in 2021. 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, combining non-discretionary advisory with access to discretionary separately managed accounts and a formal alternative investment process.

Wade Cheatham is a financial advisor at Charles Schwab with 18 years of industry experience. He holds CFP®, Series 63, and Series 66 designations. Wade has worked at Charles Schwab since 2007 and was previously employed at Charles Schwab Bank from 2011 to 2018. 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers a multi-asset investment approach supported by centralized custody and operational infrastructure.

Madeline Jay is a financial advisor at Cetera with 41 years of industry experience. She holds the ChFC® designation and Series 63 and 65 licenses. Her prior work includes seven years at VOYA Financial Advisors and over five years at Cetera Wealth Services before joining Cetera. In addition to advising, she operates as an independent insurance agent. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, corporate, charitable, and institutional clients through a nationwide network of over 10,000 advisors. The firm offers a range of portfolio management, financial planning, and retirement plan services, with access to multiple program platforms and third-party money managers.

Karl Von Brockdorff is a financial advisor with Ameriprise, holding a Series 66 designation and 21 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Ameriprise provides retirement-income planning services primarily for clients with significant investable assets, combining research, modeling, and tax-efficiency analysis in its approach. The firm offers a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Chanda Leger is a financial advisor with Merrill, holding a Series 66 designation and 11 years of industry experience. She has worked at Merrill since 2013, with a brief tenure at Bofa Securities, Inc. in 2019. She serves on the Business School Advisory Council at Linfield University and is a member of the Court Sports Committee at Diablo Country Club. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for a range of individual and institutional investors.

Patricia Casentini is a financial advisor at Morgan Stanley with 34 years of industry experience. She holds a Series 63 designation and previously worked at First Republic Securities Company, LLC for 10 years. Casentini is based in Walnut Creek, CA. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process utilizes structured discovery conversations and advanced modeling tools but does not include individual security recommendations as part of standalone financial plans.

Emerald Bonansea is a Series 66-licensed financial advisor with seven years of industry experience. She has been with Mass Mutual Investors Services and MassMutual Life Insurance Company since 2019, with prior roles at MSI Financial Services, Inc. and MetLife Securities, Inc. Her current practice is based in Walnut Creek, California. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers ongoing financial planning, asset management, and educational seminars, using firm-approved software and collaborative client relationships to develop investment strategies.

Theodore Simos is a financial advisor with RBC Capital Markets in Walnut Creek, CA, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. His prior roles include positions at Merrill, Bank of America, and City National Bank. He serves on the board of The Good Shepherd Fund, an organization providing guardianship and trustee services for individuals with special needs and developmental disabilities. RBC Wealth Management, a division of RBC Capital Markets, offers a range of advisory programs to individual and institutional clients, utilizing both in-house and third-party investment managers to tailor strategies based on clients’ risk profiles.

Luke Bohuslav is a financial advisor with Morgan Stanley in Walnut Creek, CA, holding a Series 66 designation and five years of industry experience. Before joining Morgan Stanley Smith Barney LLC in 2019, he worked at PitchBook Data, Inc. from 2017 to 2021 and also had involvement with Kinder's BBQ in 2017. Outside of his financial career, he assists individuals with tennis practice. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to both individuals and institutional clients, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs firm-approved tools to model outcomes, with services delivered primarily in an advisory capacity.

Robert Carmichael is a financial advisor with RBC Capital Markets in Walnut Creek, CA. He holds the Series 66 designation and has six years of industry experience, including roles at Costco Wholesale and Mountain Mikes Pizza prior to joining RBC. He attended Sonoma State University from 2016 to 2020. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base ranging from individual investors to institutional clients. The firm offers multiple advisory programs with customizable investment strategies implemented through a combination of in-house and third-party managers, along with a range of portfolio administration options.

Jose Jimenez is a Series 66-licensed financial advisor with 11 years of industry experience, currently with J.P. Morgan Securities since 2022. He previously worked at Bank of America N.A. and Merrill for ten 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. As a subsidiary of J.P. Morgan, the firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Stephen Krochmal Jr. is a financial advisor at Wells Fargo Clearing with 33 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Wells Fargo Clearing since 2019, following a five-year tenure at Ameriprise Financial Services. He teaches retirement planning topics at Bio-Rad and serves on the finance committee for Save Mount Diablo. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, retirement plan consulting, and brokerage solutions to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and combines proprietary research with diversified investment approaches.

Cyle Sherman is a financial advisor with Morgan Stanley in Walnut Creek, CA, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2009 and Morgan Stanley Private Bank, N.A. since 2015. Outside of his advisory role, he is a sole proprietor involved in a rental property business in Truckee, California. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs and financial planning services that utilize structured discovery conversations and firm-approved tools.