Edward Kofman is a financial advisor at OSAIC with 40 years of industry experience. He holds the CFP® designation and has worked at Royal Alliance Associates and Cal Cap Planning, among other firms. Kofman serves on several nonprofit boards in Alameda, including as president of the Alameda Community Fund and treasurer for the Temple Israel of Alameda Foundation. He is also a financial educator and a wedding officiant. OSAIC Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, pension plans, and charitable organizations through a large network of advisors. The firm offers integrated brokerage and advisory services with a focus on asset allocation, risk management, and access to third-party money managers and unified managed accounts.

Ralph Short Jr. is a financial advisor at RBC Capital Markets with 24 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at UBS Financial Services in various locations from 2016 to 2025. RBC Wealth Management, a division of RBC Capital Markets, serves individual and institutional clients, offering a range of advisory programs that include discretionary and non-discretionary portfolio management, financial planning, and brokerage services. The firm customizes investment strategies to clients’ risk profiles and utilizes both in-house and third-party investment managers.

Cory Asher is a financial advisor at Fidelity with 26 years of industry experience. He holds the Series 66 designation and has previously worked at Morgan Stanley and UBS Financial Services. Outside of his advisory role, he is a co-owner of a family rental property business. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm utilizes a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios from a broad investable universe.

Stephan Hwang is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. He previously worked at Bank of America and Merrill from 2004 to 2021 before joining J.P. Morgan in 2021. Hwang serves as a board member and chair of the Investment Committee at the nonprofit Cancer Support Community. J.P. Morgan Securities 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.

Oscar Subuyuc Xil is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing four years of industry experience. He has worked at J.P. Morgan Securities since 2021 and has prior experience with JPMORGAN Chase Bank, N.A., Baja Fresh, DoorDash, and Buffalo Wild Wings. 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 affiliated brokerage and investment management capabilities, delivering services on a non-discretionary basis.

Leon Worthy is a financial advisor with J.P. Morgan Securities in Oakland, CA, holding a Series 63 designation and over 32 years of industry experience. He has been with J.P. Morgan Securities since 2012 and has worked at Jpmorgan Chase Bank, N.A. since 1995. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting. As a subsidiary of J.P. Morgan, the firm combines large institutional advisory operations with affiliated brokerage, distribution, and investment management capabilities.

Kyle Peters is a financial advisor with Equitable Advisors in Vacaville, CA, holding a Series 66 designation and five years of industry experience. He has been with Equitable Advisors since 2020. Outside of his advisory role, Peters serves as a trustee of Fathers Trust. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations, providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm operates a hybrid referral and implementation model, offering both advisory and brokerage/insurance channels to implement client recommendations.

Kegan Schroeter is a financial advisor with LPL Financial in Berkeley, CA, holding a Series 66 credential and two years of industry experience. Prior to his advisory role, he was involved in professional athletics and coaches recreational sports at UC Berkeley. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a broad network of representatives. The firm offers diverse advisory programs, financial planning, and retirement plan consulting, utilizing model portfolios, third-party subadvisors, and advanced portfolio management technologies.

Cassandra Bautista is a financial advisor at Merrill with a Series 66 designation and 17 years of experience at the firm. She oversees operations for an online sticker store on Etsy, a family business she manages in collaboration with her son. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, and corporate fiduciaries.

Ross Irmer is the Vice President and Financial Consultant at Fidelity Investments. He has held various roles within Fidelity, progressing from Financial Representative in 2018 to his current position since 2026. Ross has experience in financial consulting and relationship management, with prior roles including Senior Revenue Analyst at Effectus Group, Senior Revenue Accountant at Palo Alto Networks, and Auditor in public accounting at Ernst & Young LLP. He holds a Certified Financial Planner™ designation and an MBA with a concentration in Finance. Ross is licensed for insurance in California. He focuses on providing a responsive and efficient approach to financial planning, leveraging Fidelity's resources to assist clients with their financial goals.

Robyn De Soto is a financial advisor with Morgan Stanley in Walnut Creek, CA, holding Series 63, 65, and 66 licenses. She has 20 years of industry experience and has been with Morgan Stanley since 2017. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured discovery conversations and firm-approved planning tools in its financial planning process.

Clarissa Dayoan is a Series 66-licensed financial advisor at Ameriprise with 13 years of industry experience. She has worked at Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2006. Outside of her advisory role, she provides life coaching focused on helping individuals overcome mental and emotional challenges related to loss and purpose. Ameriprise is an institutional firm offering retirement-income planning services targeted at clients approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver customized, non-discretionary recommendations, supported by a centralized consulting team and algorithmic tools.

Jeffrey Kragen is a CFP® professional with 23 years of industry experience, currently serving as a financial advisor at Raymond James & Associates since 2022. His prior experience includes roles at Bank of America, N.A. and Merrill. Raymond James & Associates provides financial planning and investment consulting through its Wealth Advisory Services Program to a diverse client base, including individuals, employer-sponsored retirement plans, and institutional clients. The firm offers tailored financial plans and investment recommendations, with a notable focus on public finance and municipal client services.

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.

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.