Janna Magdaleno is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and 15 years of industry experience. Her background includes roles at Morgan Stanley Wealth Management, Bank of America Merrill Lynch, and Merrill. Outside of her advisory work, she is involved with Terra Nova Trading Inc. and TNT Land Holdings LLC. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. Their advisory approach combines quantitative and qualitative research to offer written asset allocation advice, investment manager searches, and customized reporting, with clients retaining final decision-making authority.

Brandon Wise is a financial advisor at Wells Fargo Advisors with two years of industry experience. He holds the Series 66 designation and has previously worked at Osano and Multiview. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that offers investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services, including specialized areas such as business-owner transition and sports & entertainment planning, using proprietary research and tools to develop customized recommendations.

Jaime Zapata is a financial advisor with Cambridge Investment Research Advisors, holding a Series 65 designation and one year of industry experience. He has been associated with Cambridge Investment Research since 2016. Cambridge Investment Research Advisors serves a diverse client base that includes individuals, pension plans, and charitable organizations, offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm supports both discretionary and non-discretionary management through multiple platforms and provides access to third-party advisers and proprietary model strategies.

Nick Klarman is a Financial Consultant who collaborates with clients and their families to develop secure financial plans that encompass retirement planning, investment strategy, and income protection. He emphasizes education to simplify complex financial topics and strives to provide a white-glove experience that facilitates the co-creation of holistic financial plans tailored to individual needs. Nick's professional experience includes roles as an Investment Consultant at Fidelity Investments from 2025 to 2026, and as a Financial Representative at the same firm from 2023 to 2025. He holds a California Insurance License, supporting his expertise in income protection and insurance-related financial planning. Outside of his professional work, Nick engages in family activities, social events with friends, golf, and outdoor adventures.

Tim Everhart is a CFP® professional with 18 years of industry experience, currently affiliated with J.P. Morgan Securities. He has been with J.P. Morgan since 2012 and has a background at JPMorgan Chase Bank dating back to 2008. Outside of his advisory role, he is involved in an e-commerce business selling sports cards. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting within a non-discretionary program. The firm integrates quantitative and qualitative research supported by a manager solutions team and includes ESG considerations in its recommendations.

John Bruzzone is a financial advisor with UBS Financial Services in Walnut Creek, California, holding a Series 63 designation and 41 years of industry experience. He has been with UBS since 2015. Outside of his advisory role, he is a partner in an Angus cattle ranch involved in basic animal care. UBS Financial Services Inc. provides brokerage and investment advisory services to individual, corporate, and institutional clients, combining institutional trading capabilities with wealth management offerings and utilizing proprietary research and model-based asset allocations to tailor client plans.

Cody Smith is a CFP® credentialed financial advisor with 20 years of industry experience. He is currently affiliated with Raymond James Financial Services Advisors, Inc. and Summit Financial Group, where he has worked since 2010 and holds an active role as an independent contractor financial advisor. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional investors. The firm emphasizes tailored, non-discretionary planning using analytical tools and supports a broad network of advisors with specialized offerings such as municipal advisory services and SIMPLE IRA Employer Advisory programs.

David Chang is a financial advisor with Mass Mutual Investors Services in Pleasanton, CA, holding Series 63 and Series 65 licenses with 21 years of industry experience. He previously worked at METLIFE Securities Inc and MassMutual Life Insurance Company. Chang serves as president of the Asian American Insurance & Financial Professional Association. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative annual planning engagements, educational seminars, and specialized programs including divorce and estate-settlement planning.

Lulu Xiong is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at J.P. Morgan and Citigroup in various roles since 2014. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process combines quantitative and qualitative research with ESG considerations to develop model asset allocations.

Timothy Cecchin is a financial advisor with Morgan Stanley in Orinda, CA, holding Series 63, 65, and 66 licenses and bringing 28 years of industry experience. His work history includes roles at City National Bank, RBC Capital Markets, Bank of America, Merrill, Morgan Stanley, and Citigroup Global Markets. Outside of his advisory career, he co-owns a residential rental property with his wife. Morgan Stanley Wealth Management serves both individual and institutional clients, offering comprehensive financial planning and advisory programs supported by firm-approved tools and research.

Alicia Taylor is a financial advisor at Morgan Stanley with eight years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley since 2017. Prior to joining Morgan Stanley, she worked at J.Jill for one year. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a wide range of advisory programs to both individual and institutional clients. The firm emphasizes tailored financial planning supported by structured discovery conversations and proprietary planning tools.

Allan Alcayde is a financial advisor at LPL Financial with 29 years of industry experience. He holds the Series 63 and Series 65 designations and has worked at firms including Woodbury Financial Services and U.S. Bancorp Investments. He is also affiliated with Fremont Bank through FB Investment Services. 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 advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Chris Garrigan is a financial advisor with LPL Financial, holding a Series 66 designation and three years of industry experience. He previously worked at Legion Technologies and Cornerstone and also operates Garrigan Consulting & Financial. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, access to model portfolios, third-party asset management, and institutional platforms.

Laura Lashinsky is a financial advisor at Merrill in Walnut Creek, CA, holding a Series 66 designation with six years of industry experience. She has worked at Bank of America and Merrill since 2019 and previously was employed by the Lafayette School District from 2016 to 2019. 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, offering model-based and discretionary investment strategies managed by internal teams and third-party managers for a range of clients including individuals, high-net-worth investors, and charitable organizations.

Anthony Alfisi is a Senior Financial Advisor with Merrill Lynch Wealth Management. He specializes in personalized wealth management strategies tailored to clients’ individual financial goals. Anthony collaborates closely with clients to develop flexible financial plans that address changing market conditions and provide access to Merrill’s investment insights as well as Bank of America’s banking and lending solutions. His expertise includes college and education planning, retirement income and personal retirement planning, portfolio management, tax minimization, and strategies for endowments, foundations, non-profits, defined benefit plans, sports and entertainment clients, and both individual and corporate investment strategy. Anthony holds professional designations as a Chartered Retirement Planning Counselor (CRPC) and a Personal Investment Advisor (PIA). He earned a bachelor's degree from San Francisco State University. Anthony is committed to community involvement and participates in volunteer activities aligned with Merrill’s tradition of service in local communities.

Matthew Costello is a financial advisor with OSAIC based in Danville, CA, holding a Series 66 designation and 18 years of industry experience. His career includes roles at Woodbury Financial Services, Eagle Strategies (NY Life), Raymond James & Associates, and Alamo Capital. He also owns a sole proprietorship focused on insurance sales. OSAIC Wealth serves a diverse client base including retail and institutional investors, offering brokerage and advisory services supported by a multi-advisor platform. The firm employs a model-based investment process and provides a range of financial planning and portfolio management solutions.

Robert Emmer is a CFP® with 48 years of industry experience, currently affiliated with Raymond James Financial Services Advisors, Inc. He has worked with several firms, including Associated Planners Investment Advisory Inc., Linsco Private Ledger (LPL), and Geneos Wealth Management Inc. Emmer also provided financial advisory services as an independent contractor for Silversage Advisors. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm employs tailored, non-discretionary planning and analytical tools to help clients achieve their financial goals and supports municipal and public finance work through a unique municipal advisor affiliation.

Charles Carter is a financial advisor at Osaic Wealth with 30 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Securities America, Inc. and EPlanning Advisors Inc. Since 1995, he has also operated a sole proprietorship offering insurance products including term life insurance and fixed annuities. OSAIC Wealth serves a diverse client base including retail and institutional investors, retirement plan sponsors, charities, and corporate clients. The firm provides brokerage and advisory services through a multi-advisor platform with a focus on model-based asset allocation, portfolio optimization, and a variety of managed account programs.

John Israel is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2020. He has been in the financial services industry since 1999, working with clients and families to support their financial goals. His professional focus is on wealth planning and providing tailored strategies for a variety of investor styles. Before his current role, John worked as a Relationship Manager at Fidelity Investments from 2015 to 2019. Prior to that, he served as a Brokerage Consultant at Wells Fargo Advisors between 2011 and 2015. His earlier career includes roles at Crédit Agricole as an Internal Auditor Manager from 2007 to 2011 and as a Capital Market Operation Supervisor from 2005 to 2007, as well as an Associate in Capital Market Operations at American Express from 1999 to 2005. John holds a California Insurance License.

Yun Messina is a financial advisor at J.P. Morgan Securities with one year of industry experience. They hold Series 63 and Series 65 licenses and have prior experience at Rockefeller Financial and Sierra Pacific Financial. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager selection, and customized performance reporting. The firm’s advisory process integrates quantitative and qualitative research with forward-looking capital market assumptions to develop model asset allocations.