Freddie Vidrio is a Financial Consultant at Fidelity Investments, a position he has held since 2018. He has accumulated 26 years of experience in the financial services industry, with extensive expertise in complex guidance and in-depth retirement planning. Prior to his current role, Mr. Vidrio served as an Investment Consultant at Fidelity Investments from 2012 to 2018. His career includes roles as Vice President Financial Advisor at J.P. Morgan Securities LLC from 2012 to 2013 and at Chase Investment Services Corp from 2010 to 2012. Additional experience includes serving as Financial Advisor at CUNA Brokerage Services, Inc. from 2009 to 2010 and U.S. Bancorp Investments, Inc. from 2003 to 2009. Earlier in his career, he worked as a Personal Banker at US Bank and as a Teller at Bay View Bank. Mr. Vidrio holds a California Insurance License.

Ron Silva is a CFP® professional with 32 years of industry experience, currently affiliated with LPL Financial since 2013. He operates Silva Financial Planning Services in connection with his LPL business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients including individuals, retirement plans, institutions, and charitable organizations through its national network of investment adviser representatives. The firm provides financial planning, various advisory programs, and retirement plan consulting, offering both discretionary and non-discretionary management supported by research and model portfolios.

Christine Meyer is a financial advisor at Fidelity with five years of industry experience. She holds a Series 66 designation and has worked at Fidelity Investments since 2021, with prior roles at Merrill and Bank of America. Outside of her advisory role, she operates Beyond Bowls, reselling dough bowls at an outdoor marketplace in Danville, California. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, employing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver diversified model portfolios.

Chih Han Goh is a financial advisor with Merrill in San Leandro, CA, holding a Series 66 designation and eight years of industry experience. He has been with Merrill and Bank of America since 2016. Outside of his advisory role, he serves as Deputy Principal at Fremont Chinese School, a weekend language school in Fremont, CA. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Robert Knoll Jr. is a financial advisor at Equitable Advisors in Walnut Creek, CA, holding Series 65 and Series 63 credentials with three years of industry experience. His prior roles include positions at Northwestern Mutual and Morgan Stanley, as well as experience in the restaurant industry. He serves as a board member of the University of Oregon Alumni Association. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, institutions, and charitable organizations. The firm’s approach involves matching clients to model portfolios or discretionary managers through both proprietary and third-party programs, offering a range of investment options including mutual funds, ETFs, and select alternative investments.

Michael Khaw is a Wealth Management Advisor at Merrill Lynch Wealth Management with 23 years of experience in wealth planning. He assists clients with wealth accumulation and distribution, focusing on tax efficiency to enhance return on investments. His areas of expertise include family wealth management strategies, liquidity management, managing new wealth, personal retirement planning, portfolio management services, socially responsible and ESG investing, tax minimization, and retirement income. Michael holds a Bachelor of Science degree from San Diego State University, where he majored in Biology and minored in Finance. He is a Chartered Financial Analyst® (CFA) charterholder and a CERTIFIED FINANCIAL PLANNER® (CFP) professional. He is also a Personal Investment Advisor (PIA). Michael has been married for 28 years to his wife Jennifer, who holds a PhD in Clinical Social Work and is an adjunct professor. They have two daughters, Lauryn, who began attending Duke Law in Fall 2022, and Jessica, who is a sophomore at the University of California, Santa Barbara. Michael and his wife are adjusting to life as empty nesters and enjoy traveling. He also has personal interests in biking, billiards, chess, hiking, racquetball, woodworking, yoga, and recently started playing pickleball and bocce.

Maria Dominguez is a financial advisor at Wells Fargo Clearing with 4 years of industry experience. She holds the Series 66 designation and has been with Wells Fargo Clearing since 2021, having worked concurrently at Wells Fargo Bank, N.A. since 2003. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering a range of services including investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, acting as an ERISA fiduciary when providing investment advice, and includes a discretionary 3(38) investment management option for clients who delegate authority.

Travis Tam is a CFP® professional with 21 years of industry experience, currently affiliated with Wells Fargo Clearing since 2016. He previously worked at Wells Fargo Advisors LLC. Travis is based in Walnut Creek, CA. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Monu Ahluwalia is a financial advisor at J.P. Morgan Securities with 20 years of industry experience. He has worked at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2009. He holds Series 63 and Series 66 designations. 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. As a subsidiary of J.P. Morgan, the firm delivers advisory services alongside affiliated brokerage and investment management capabilities.

Jason Martin is a financial advisor with Wells Fargo Advisors in Brentwood, CA, holding a Series 66 designation and 17 years of industry experience. He has been with Wells Fargo in various capacities since 2010. Outside of his advisory role, he is involved in portfolio management through Martin Financial Group Inc., in which he holds a majority ownership. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services, employing Wells Fargo research and tools to develop tailored recommendations across a broad range of planning areas.

Chelsie Lui is a financial advisor at Fidelity with one year of industry experience and holds a Series 66 designation. Her prior work experience includes roles at Meta, Louis Vuitton, and Hanover Walnut Creek. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a process that combines fundamental research with quantitative analysis and algorithmic portfolio construction. The firm offers a range of services including discretionary portfolio management, fund advisory, and model portfolio delivery, with oversight controls and the use of advanced methodologies such as AI in research.

Ian Epstein is a financial advisor at Fisher Investments with 22 years of industry experience. He holds the Series 65 designation and has been with Fisher Investments since 2004. Fisher Investments serves a global mix of institutional and private clients, including pension plans, foundations, and high-net-worth individuals, providing discretionary portfolio management across various asset classes. The firm uses a centralized investment process combining quantitative and qualitative research to construct diversified portfolios and offers sub-advisory and retirement plan services.

Mick Rognlien has served as a Wealth Management Advisor at Merrill Lynch Wealth Management in Walnut Creek, California since 2011. In this role, he focuses on collaborating with individuals and families who are growing their wealth and managing demanding careers. Mick assists clients in achieving their financial goals through transparent and purposeful communication, offering services such as personal retirement planning, portfolio management, and tax minimization. Mick began his career in Financial Services in 1998. He holds the CERTIFIED FINANCIAL PLANNER (CFP) designation, the Chartered Retirement Planning Counselor (CRPC) credential, and is a Personal Investment Advisor (PIA). He earned a Bachelor's degree from San Diego State University and a Master's degree from Saint Mary's College of California. Outside of his professional work, Mick is involved in youth coaching and engages in various outdoor activities including biking, hiking, and adventure sports. He resides in the East Bay with his wife and two sons.

Hana Redzic is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. She has worked at Bank of America, N.A. since 2022 and joined Merrill in 2020. Outside of financial advising, she owns a photography and social media business called Maass Photography. 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. The firm offers a range of model-based and discretionary strategies and serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Benjamin Hearnsberger is a CFP® with 18 years of industry experience. He is currently with Wells Fargo Clearing, where he has worked since 2026, and has prior experience at Bank of America, Merrill, and Destinational Wealth Management. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and wrap-fee programs. The firm manages approximately $671 billion in assets and offers brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party databases.

Marc Larhette is a CFP®-certified financial advisor with 36 years of industry experience. He currently works at OSAIC and previously spent 17 years at Woodbury Financial. Larhette is involved in employee benefits education as Chair of the Education Committee for the International Society of Certified Employee Benefits and serves as an officer and part-owner of BAMCO Financial and Insurance Services, a company providing employee benefit services. OSAIC serves a broad range of retail and institutional clients through an extensive network of affiliated advisers, offering integrated brokerage and advisory services, financial planning, retirement consulting, and access to various managed account solutions. The firm employs diversified portfolio construction tools and supports multiple platform transitions and third-party services.

Jiaze Li is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing eight years of industry experience. His career includes multiple roles at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities LLC since 2017, as well as prior experience at HSBC Securities (USA) Inc. and HSBC Bank USA NA. Before entering finance, he worked as an Accounting Principal at Sephora/Adecco NA. J.P. Morgan Securities LLC provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors, offering asset-allocation advice, investment manager searches, and customized performance reporting. The firm integrates quantitative modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Jason Selzer is a financial advisor with Cambridge Investment Research Advisors in Walnut Creek, CA, holding a Series 66 designation and 12 years of industry experience. His prior experience includes roles at Morgan Stanley and Merrill Lynch. Outside of advising, he owns an online T-shirt sales business operating on eBay. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, pension plans, and charitable organizations. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals, providing both proprietary and third-party investment solutions tailored to client objectives.

Craig Rochin is a financial advisor at LPL Financial with 31 years of industry experience. He holds Series 63 and Series 66 designations and has been with LPL Financial since 2009. Outside of his advisory role, he occasionally provides clients with life insurance through Ohio National Life under the Flight Financial Group. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Caroline Cherezian is a financial advisor at UBS Financial Services with 12 years of industry experience. She holds the Series 66 designation and has been with UBS since 2013. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances.