Ross Gusky is an Investment Consultant at Fidelity Investments. In this role, he partners with clients to develop and implement financial plans and investment strategies tailored to their unique goals, concerns, and risk profiles. He focuses on creating and adjusting plans to align with changing market conditions and life circumstances. Ross has held several positions at Fidelity Investments, including Financial Representative and Financial Services Representative. Prior to joining Fidelity, he worked as a Financial Professional at New York Life Insurance. He holds a California Insurance License.

Keith Oslie is a financial advisor with Osaic Wealth Inc., holding a Series 65 credential and eight years of industry experience. His prior roles include positions at Defined Financial Planning LLC, J.W. Cole Advisors, Inc., and Global Financial Private Capital, LLC. Outside of advising, he is treasurer and partner at Cheers to Happy Hair, Inc., a hair salon where he manages finances and payroll. Osaic Wealth, Inc. serves a diverse mix of retail and institutional clients through a large network of affiliated advisors, offering integrated brokerage, advisory services, financial planning, and access to third-party asset managers. The firm employs various portfolio construction tools and supports both discretionary and non-discretionary account management.

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.

Benjamin Zusman is a financial advisor at Edward Jones with one year of industry experience. He holds Series 63 and Series 66 credentials. Prior to joining Edward Jones, he worked at New York Life for two years and was involved in the restaurant business at Italian Colors Restaurant for four years. He also has experience working with the U.S. House of Representatives Foreign Affairs Committee. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including various types of households and organizations. The firm manages approximately $1.01 trillion in assets and offers a range of advisory and investment services through a national network of advisors and branch offices.

Richard Zak is a financial advisor with Charles Schwab in San Mateo, CA, holding Series 63 and Series 65 credentials and bringing 37 years of industry experience. He has been affiliated with Charles Schwab since 2000 and serves as a volunteer board member with the CFP Board since 2017. Charles Schwab & Co., Inc. serves a large client base including 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 advice with access to discretionary separately managed accounts and utilizes multi-asset model portfolios supported by centralized operations and alternative investment due diligence.

Michael Petersen is a financial advisor at Fisher Investments with 22 years of industry experience. He holds a Series 65 designation and has been with Fisher Investments since 2002. Fisher Investments serves a global mix of institutional and private clients, providing discretionary portfolio management across equity, fixed-income, and blended mandates. The firm utilizes a centralized investment approach combining quantitative screening and qualitative research to construct globally diversified portfolios and manages risk through tax-aware processes and defensive tactics.

Steven Drackert is a financial advisor with Morgan Stanley Wealth Management in Oakland, CA, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. His prior roles include positions at UBS Financial Services, First Republic Investment Management, and Wells Fargo Advisors. Outside of his advisory work, he is co-owner of a condominium in Walnut Creek, California. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group, and manages approximately $2.74 trillion in client assets.

David Yu is a financial advisor with Charles Schwab in Redwood City, CA, holding Series 63 and Series 65 designations and 28 years of industry experience. He has been with Charles Schwab since 1998. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm operates a combination of non-discretionary and discretionary investment guidance, utilizing multi-asset model portfolios and oversight from the Schwab Center for Financial Research.

Brennan Malone is a CFP® and holds a Series 66 license with 16 years of industry experience. He has been with Fisher Investments since 2015. Fisher Investments serves a global mix of institutional and private clients, offering discretionary portfolio management across equity, fixed-income, and blended mandates. The firm employs a centralized investment process that incorporates quantitative and qualitative research to construct diversified portfolios and provides a range of sub-advisory and retirement plan services.

John Kelson is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he leads a team focused on providing a holistic approach to wealth management. He manages personal wealth and portfolio strategies for a select group of clients, including executives, retirees, and entrepreneurs. John has expertise in various areas including corporate benefits, employee benefits planning, executive and equity compensation services, family wealth management strategies, legacy planning, personal retirement planning, portfolio management, tax minimization, and retirement income. His approach incorporates asset allocation, wealth preservation, estate and legacy strategies tailored to individual client goals and risk tolerance. He holds a Bachelor's Degree from the University of California System and has completed a Non Accredited Certificate Program from THE AMERICAN COLLEGE. His professional designations include CERTIFIED FINANCIAL PLANNER (CFP), Certified Investment Management Analyst (CIMA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Outside of his professional work, John has interests in baseball, camping, hiking, music, and running.

Michael Hsu is a financial advisor with Morgan Stanley in San Mateo, CA, holding a Series 66 license and 16 years of industry experience. His career includes roles at Morgan Stanley since 2020, the Morgan Stanley Private Bank since 2021, and prior positions at Tenergy and AdviceBridge, Inc. Morgan Stanley Wealth Management serves individual and institutional clients, offering a range of advisory programs and financial planning services supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides customized plans that incorporate advanced modeling techniques.

Laura Schaefer is a financial advisor at Fisher Investments based in San Mateo, CA, holding a Series 66 designation with 13 years of industry experience. She has been with Fisher Investments since 2014. Fisher Investments serves a global client base that includes institutional and private clients such as pension plans, foundations, investment companies, and high-net-worth individuals. The firm provides discretionary portfolio management across various mandates and employs a centralized investment decision process combining quantitative and qualitative methods to manage globally diversified portfolios.

Jonathan Farnstrom is a CFP®-credentialed advisor with eight years of industry experience, currently with Osaic Wealth, Inc. in San Ramon, CA. Prior to joining Osaic in 2025, he spent seven years at Lincoln Financial Advisors. He is also involved in insurance product offerings through Farnstrom Financial Services, LLC, which he owns and operates. Osaic Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and nonprofits, offering integrated brokerage and advisory services across multiple platforms. The firm utilizes various asset-allocation tools and third-party solutions to construct portfolios that include a broad range of investment vehicles.

Sara Quintanilla is a financial advisor with Ameriprise in Hayward, CA, holding a Series 66 designation and two years of industry experience. She has worked at Ameriprise since 2022 and previously spent seven years with Canyon Wealth Management. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement who meet specific eligibility criteria, providing written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver personalized recommendations, primarily for clients with substantial assets managed within Ameriprise.

Jeanette Strother is a financial advisor with Ameriprise in Oakland, CA, holding a Series 66 designation and having 10 years of industry experience. She has been with Ameriprise and its affiliate since 2015. Outside of advising, she is involved in independent insurance brokering focused on long-term care. Ameriprise offers retirement-income planning services targeting individuals nearing or in retirement with significant investable assets, combining research and modeling with tax-efficient strategies. The firm provides a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Eric Angeles is a Financial Consultant currently with Fidelity Investments, where he has been working since 2022 in various roles including Relationship Manager and Planning Consultant before his current position starting in 2023. Prior to joining Fidelity Investments, he worked as a Merrill Financial Solutions Advisor and Financial Advisor at Merrill Lynch and Bank of America Merrill Lynch between 2020 and 2022. Eric's approach involves understanding clients' financial situations, risk tolerance, and objectives to develop personalized financial plans. He holds a California Insurance License which supports his advisory services. Outside of his professional work, Eric's personal interests include spending time at the beach, playing golf, running, and parenthood.

Adam Green is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and bringing 17 years of industry experience. He has worked at JPMorgan Chase Bank and J.P. Morgan Securities since 2014. Outside of his advisory role, he owns a business that buys and sells new and used watches. 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 large institutional advisory operations with broker-dealer and investment adviser registrations, delivering recommendations on a non-discretionary basis while clients retain final decision-making authority.

Joseph Theam is a financial advisor with Equitable Advisors in Oakland, CA, holding Series 63 and Series 66 designations and 12 years of industry experience. He has been with Equitable Advisors since 2014 and previously worked with AXA-Advisors, LLC for six years during the same period. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and asset management programs. The firm delivers its services through a network of Investment Adviser Representatives and utilizes third-party asset managers and advisory programs alongside its own offerings.

Donn Levine is a financial advisor with Cetera, holding the ChFC® designation and the Series 63 license, and has 43 years of industry experience. His prior work includes roles at OSAIC, Woodbury Financial Services, Minnesota Life, and Sgc Financial. Outside of his advisory career, he coaches girls' golf at Castilleja High School and is the author of the book "Outwit the Yips." Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with various portfolio management options, combining discretionary and non-discretionary services through a nationwide network of independent advisors.

David Whalen is a financial advisor with Morgan Stanley in Oakland, CA, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has worked at Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney since 2009, with prior experience at Citigroup Global Markets dating back to 1993. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by proprietary tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and provides services both directly and through employer-based agreements.