Jeffrey Kragen is a CFP® with 23 years of industry experience, currently serving at Raymond James & Associates. His prior experience includes roles at Bank of America, Merrill, and Citigroup Global Markets. Based in Walnut Creek, CA, he has held his current position at Raymond James since 2022. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning and consulting services with a range of portfolio management styles supported by affiliated research and model managers.

Cassandra Vincent is a financial advisor with Fidelity Investments, holding a Series 66 designation and 20 years of industry experience. Her prior roles include positions at Charles Schwab Bank SSB and Unionbanc Investment Services. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm utilizes a combination of fundamental research and quantitative analysis to construct model portfolios from mutual funds, ETFs, and ETPs, applying systematic methodologies and long-term asset allocation benchmarks.

Andressa Clark is a financial advisor at Fidelity with a Series 66 credential and one year of industry experience. Her prior work includes roles at My Family Lounge Agency, Nevada Adventures, and Vaco LLC at Google. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including an IRS-qualified Charitable Gift Fund and registered investment companies. The firm utilizes a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios from mutual funds, ETFs, and ETPs.

Di Wu is a financial advisor at J.P. Morgan Securities with eight years of industry experience. He holds the Series 66 designation and has prior work history at Bank of America, Merrill, HSBC, and E*TRADE, among others. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering asset-allocation advice, investment manager searches, and customized performance reporting through a non-discretionary process that combines quantitative modeling with centralized due diligence and incorporates an ESG eligibility framework.

Michael Binswanger is a financial advisor with Mass Mutual Investors Services in Walnut Creek, CA, holding Series 63 and Series 65 registrations and 16 years of industry experience. His prior experience includes roles at Metlife Securities Inc and MassMutual Life Insurance Co. Outside his advisory work, he owns a landscaping business. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, utilizing firm-approved tools such as Monte Carlo simulations to support collaborative planning engagements.

Miguel Rodriguez is a Financial Advisor with Merrill Lynch Wealth Management, specializing in personalized wealth management strategies for families, individuals, and businesses. He focuses on areas including executive compensation, family wealth management, personal retirement planning, and small business strategies. Miguel works closely with clients to understand their unique financial goals and circumstances, providing tailored guidance to help them navigate complex financial decisions. Miguel holds a Bachelor's Degree from Malone University and has earned professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Fluent in both Spanish and English, he is committed to building meaningful client relationships by uncovering what matters most to each individual and family he serves. Outside of his professional role, Miguel is active in his community through involvement with organizations such as Feed My Starving Children and Junior Achievement. He enjoys adventure sports, soccer, and spending time with his family, reflecting a balanced approach to his personal and professional life.

Elena Carolan is a financial advisor at Wells Fargo Advisors with a Series 66 designation and three years of industry experience. She has worked at Wells Fargo Advisors Financial Network since 2022 and has held various positions at educational institutions including Cornell University and Oak Knoll School. Carolan also holds an inactive New York real estate salesperson license. Wells Fargo Advisors Financial Network is a broker-dealer and registered investment adviser affiliated with Wells Fargo that serves individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services, including specialized areas such as business-owner transition and special-needs planning, and utilizes proprietary research and tools to develop tailored client recommendations.

Alec Beach is a financial advisor at Fidelity with a Series 66 credential and one year of industry experience. His prior roles include positions at BPM LLP and academic appointments at the University of California Berkeley, Diablo Valley College, and Clayton Valley Charter High. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a range of clients, including retail and institutional investors, employing a systematic investment process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its use of AI and algorithmic methods, its role with multiple registered investment companies, and its delivery of model portfolios for Fidelity Institutional Wealth Adviser.

Joyce Lee is a Financial Consultant currently working at Fidelity Investments since 2023. She focuses on providing clients with the knowledge and tools necessary to work toward their financial goals, emphasizing the importance of building strong, trusting relationships. Prior to her current role, Joyce served as a Financial Solution Advisor at Merrill from 2016 to 2023. She holds a California Insurance License, supporting her expertise in financial planning and insurance solutions.

Kathryn Pancoast is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary 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, than is typical for large institutional advisers.

Jeffrey Quintero is a financial advisor with Wells Fargo Clearing in Walnut Creek, CA, holding Series 63 and Series 66 licenses and having 27 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions, utilizing research from Wells Fargo Investment Institute and third-party sources in its investment approach.

Steven Victor is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. His prior roles include positions at Morgan Stanley and Citigroup Global Markets. Outside of his advisory work, he serves as power of attorney for his father. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and financial planning services to individuals, trusts, and institutions. The firm offers a broad range of planning services delivered through tailored recommendations supported by Wells Fargo research, with clients able to implement advice through various brokerage or advisory programs.

Patrick Fovel is a financial advisor with LPL Financial in San Ramon, CA, holding a Series 66 designation and having 25 years of industry experience. His prior roles include positions at National Planning Corporation, Hamilton, Martell and Associates, and Prudential Equity Group. Outside of his advisory work, he is co-owner of BFM Wealth Management, a tax preparation and accounting business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, utilizing both discretionary and non-discretionary strategies supported by research and technology tools.

David Tierney is a financial advisor with Charles Schwab, holding Series 63 and Series 66 licenses and bringing 30 years of industry experience. He has been with Charles Schwab since 2016, including three years at Charles Schwab Investment Advisory. 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 combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers a multi-asset model portfolio investment approach supported by extensive research and alternative investment options.

Minh Dinh is a CFP®-designated financial advisor with 24 years of industry experience, currently with LPL Financial since 2016. Prior to joining LPL, he worked at Edward Jones for 13 years and Waddell & Reed for two years. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Sunita Joseph is a financial advisor with Charles Schwab in Berkeley, CA, holding Series 63 and Series 66 licenses and having 23 years of industry experience. She has been with Charles Schwab and Charles Schwab Bank since 2007. 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 offers a combination of non-discretionary and discretionary investment solutions, supported by integrated custody and brokerage platforms.

Lorena Cardenas is a financial advisor at Edelman Financial Engines in Walnut Creek, CA, holding a Series 65 designation. She has been with Edelman Financial Engines since 2007. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients, offering a range of workplace solutions, planner-led wealth management, and retirement income services. The firm employs a committee-driven modeling process combined with planner delivery and online tools, emphasizing diversified portfolios, periodic rebalancing, and a long-term investment approach.

Emil Peinert is a financial advisor at Ameriprise with 20 years of industry experience. He holds a Series 66 designation and has been with Ameriprise since 2005. Outside of his advisory role, he has general oversight of Baitshop Dives LLC, an eating and drinking establishment in Oakland, CA. Ameriprise provides retirement-income planning services focused on clients nearing or in retirement with substantial investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, written recommendations through a centralized consulting team.

Anthony Lyle is a financial advisor at Fidelity with Series 63 and Series 66 licenses and 10 years of industry experience. He has been associated with Fidelity Brokerage Services LLC since 2016 and joined Fidelity Investments in 2025. Outside of finance, he is a sole proprietor fiction writer who occasionally appears on podcasts and online interviews. Fidelity, through its subsidiary Strategic Advisers LLC, serves a diverse client base including retail and institutional investors, offering investment management and advisory services that incorporate proprietary research, quantitative analysis, and algorithmic portfolio construction.

Rima Chakraborty is a financial advisor with Wells Fargo Clearing, holding the Series 66 designation and bringing 11 years of industry experience. Her prior roles include positions at JP Morgan Chase Bank, JP Morgan Securities LLC, Bank of America, and Merrill. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both non-discretionary and discretionary options. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, incorporating a broad range of investment products including insurance-related vehicles and bank deposit sweep options.