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, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. He has worked with Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

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, holding a Series 66 designation and 25 years of industry experience. He previously worked at National Planning Corporation for 12 years before joining LPL Financial in 2017. Outside of his advisory role, he is a co-owner of BFM Wealth Management, a tax preparation and accounting business. LPL Financial is a national SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by research and model portfolios from internal and third-party sources.

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® professional with 24 years of industry experience, currently serving as a financial advisor at LPL Financial since 2016. Prior to LPL, he worked at Edward Jones for 13 years. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives, offering a range of financial planning and advisory programs.

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 with Edelman Financial Engines in Walnut Creek, CA. She holds a Series 65 designation and has been with the firm since 2007. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm offers a range of workplace solutions, planner-led wealth management, and retirement income services, utilizing a committee-driven modeling process combined with both discretionary management and online advice.

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.

George Chang is a financial advisor with Charles Schwab in Walnut Creek, CA, holding Series 63 and Series 65 licenses and 28 years of industry experience. He 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, offering a combination of advisory, brokerage, custody, and financial planning services. The firm provides both non-discretionary investment guidance and access to discretionary separately managed accounts, supported by a structured model portfolio approach and centralized operational resources.

Umberto Leone is a Certified Financial Planner (CFP®) with 15 years of industry experience, all of which has been with Edward Jones since 2011. He is based in Concord, CA, and holds a Series 66 license. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including both non-high-net-worth and high-net-worth households, pension and profit-sharing plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets under management through a large network of financial advisors and branch offices, offering a range of discretionary and non-discretionary investment strategies, tax-efficient services, and affiliated mutual funds under a fiduciary standard.

Jennie Hunsberger is a financial advisor with OSAIC in Walnut Creek, CA, holding Series 65 and Series 66 credentials and bringing 21 years of industry experience. She has worked at OSAIC since 2017 and has been with Fidelity Investments Institutional Services Company, Inc. since 2013. She is also a partner at Next Step Retirement & Insurance, LLC, where she meets with clients and vendors. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated advisers and offers integrated brokerage and advisory services, financial planning, retirement plan consulting, and access to third-party money managers. The firm uses various asset-allocation tools and third-party platforms to construct portfolios that include diverse investment types and supports legacy program transitions.

Eric Slack is a financial advisor at LPL Financial with 27 years of industry experience. He holds Series 63 and Series 65 designations. Prior to joining LPL Financial in 2024, he worked at Transamerica Capital Inc from 2018 to 2024 and AMG Funds LLC from 2015 to 2018. Outside of his advisory work, he is involved in estate services on a part-time basis. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a wide range of advisory programs, financial planning services, and utilizes research and model portfolios from both internal and third-party sources.

Jason Cooke is a CFP® with 28 years of experience in financial advising. He is currently with Edelman Financial Engines, where he has worked since 2022. Prior to that, he was with Herrmann & Cooke, Inc. for nine years. Outside of his advisory role, he serves as a commissioner on the City of Walnut Parks Commission and is the CFO on the board of Alumni Alliance, a nonprofit supporting former foster youth. Edelman Financial Engines provides technology-enabled investment advisory services focused on workplace retirement accounts, IRAs, taxable accounts, and institutional clients. The firm manages both model-based and customized portfolios, offers sub-advisory services, and serves a large client base through advisor-led and online platforms.

Melissa Waggonner is a financial advisor at Merrill with 18 years of industry experience and holds a Series 66 designation. She has been with Merrill since 2015 and previously worked at Bank of America, N.A. since 2025. Merrill provides managed account services through the Select Portfolio Solutions program to a diverse client base, including individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries. The firm offers a range of model-based and discretionary investment strategies integrated within Bank of America’s broader corporate platform.

Paul Kommer is a Wealth Management Advisor at Merrill Lynch Wealth Management. He has over thirty years of experience assisting clients with wealth management decisions by providing education, advice, and guidance tailored to their individual financial and personal goals. His expertise includes managing new wealth, personal retirement planning, and retirement income. Paul holds a Bachelor's Degree from the University of California System and holds professional designations as a CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA). Outside of his professional work, Paul enjoys basketball, reading, running, and surfing. He is also involved in coaching high school basketball and participates in fitness activities such as rowing, running, and triathlon.

Marcelo Francys Oliveira is a financial advisor with OSAIC in Lafayette, CA, holding Series 63 and Series 65 credentials and 18 years of industry experience. Prior to joining OSAIC in 2018, he worked at Sii from 2015 to 2018. Outside of his advisory role, he is the managing director of Pacific Financial Partners, where he services firm accounts and sells various insurance and investment products, and he is also the owner and CEO of an e-commerce LLC serving clients in Brazil. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated financial advisers, offering integrated brokerage and investment advisory services, financial planning, and access to multiple advisory platforms and third-party money managers. The firm’s advisers utilize firm-provided asset-allocation tools and support both discretionary and non-discretionary portfolio management.

Hope Bolich is a financial advisor at J.P. Morgan Securities with Series 63 and Series 66 credentials and four years of industry experience. She has been with J.P. Morgan Securities since 2021 and has worked at JPMorgan Chase Bank, N.A. since 2020. Prior to her current roles, she held positions at TJMaxx and Burlington Coat Factory. 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. The firm offers non-discretionary advice through a select group of Wealth Advisors and serves clients within the broader J.P. Morgan broker-dealer and banking organization.