Lawrence Olin is a CFP® credentialed financial advisor with 30 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously spent seven years with Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a broader set of financial product offerings than is typical for large institutional advisers.

Huong Tran is a financial advisor at UBS Financial Services with 17 years of industry experience. She holds a Series 66 designation and has been with UBS since 2006. 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 utilizes proprietary research and model-based asset allocations to tailor client plans.

Cheryl Tinseth is a financial advisor with Cetera, holding Series 63, 65, and 66 designations and bringing 27 years of industry experience. She has been associated with Cetera Wealth Services, LLC since 2013 and operates Mistretta Tinseth, a firm she has been involved with since 1996. In addition to her advisory role, Cheryl is a CPA and owner of TINSETH ACCOUNTANCY, providing accounting, bookkeeping, tax preparation, and management consulting services. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform that enables advisors to implement model portfolios, select third-party managers, or create bespoke strategies across various program structures with ongoing supervision.

Ross Gaudoin is a financial advisor at UBS Financial Services with 17 years of industry experience. He joined UBS in 2021 after spending nine years at First Republic Investment Management, Inc. He holds Series 65 and Series 63 licenses. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides access to proprietary research and a broad range of capital markets services.

Lingyun Qian is a financial advisor with Charles Schwab in San Ramon, CA, holding Series 66, Series 63, and Series 65 designations and having 10 years of industry experience. Her work history includes positions at Charles Schwab Bank, HSBC Securities USA, MUFG Union Bank, and Citigroup. Outside of financial services, she has ownership interests in real estate property management unrelated to investment activities. Charles Schwab serves a large client base, 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and uses multi-asset model portfolios supported by research and due diligence on alternative investments.

Marc Fusco is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. He has been with Wells Fargo Clearing since 2016, following six years at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Marty Ekmekjian is a Financial Consultant at Fidelity Investments, a position he has held since 2024. He has over a decade of experience in the financial services industry, having worked in various roles including Market Leader and Financial Solutions Advisor at Merrill Lynch, Financial Advisor at Edward Jones, and Teller at Bank of America. Marty's expertise encompasses crafting comprehensive financial plans that balance growth with protection. His approach involves integrating strategies such as tax-efficient investing, estate planning considerations, and capital preservation to address the complexities of today's financial markets. He holds a California Insurance License. Outside of his professional work, Marty has personal interests in the beach, movies, traveling, and volunteering.

Puja Aggarwal is Vice President and Financial Consultant at Fidelity Investments, a role she has held since 2021. She has been with Fidelity Investments since 2015, progressing through various positions including Financial Consultant, Investment Consultant, and Relationship Manager. Prior to joining Fidelity, she worked as a Financial Advisor at Merrill Lynch and as a Relationship Banker at JP Morgan Chase. With 15 years of experience in the financial services industry, Puja specializes in wealth planning and works with individuals, families, business owners, executives, and institutions. She guides clients through rising, declining, and volatile markets by employing a comprehensive financial planning process aimed at helping them take educated and disciplined actions toward their goals. Puja holds a California Insurance License. Outside of work, her interests include spending time at the beach, comedy, social events with friends, hiking, caring for pets, and traveling.

Hanane Bettahi is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing nine years of industry experience. She has been with J.P. Morgan Securities since 2016 and is also the owner of Classic Limousine Service Inc., where she manages dispatching, payroll, and invoicing. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice and customized performance reporting through a combination of advisory and brokerage capabilities.

Paul Meyer is a financial advisor at Wells Fargo Clearing with one year of industry experience. He holds the Series 66 designation and previously worked at Edward Jones and Noble Learning Academy. 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 uses research and analytics to evaluate investment options and offers both brokerage and advisory solutions across a wide range of financial products.

Matthew Terwilliger is a financial advisor at Edward Jones with Series 66 credentials and one year of industry experience. Prior to joining Edward Jones, he was involved with the Cal Alumni Association for 11 years. He holds an inactive California real estate license. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of advisory programs and investment strategies. The firm is known for its extensive retail advisor network and affiliated capabilities beyond advisory services.

Jason Borman is a CFP® with 26 years of experience in the financial services industry. He is affiliated with Raymond James Financial and has held roles at Borman Wealth Advisors, Borman Investment Management & Planning Group, and Borman Financial Services. He is also a licensed agent for non-variable life insurance with Prudential. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth and non-HNW clients, pension plans, charitable organizations, corporations, and municipal entities. The firm offers financial planning and non-discretionary investment consulting, utilizing asset-allocation analysis and firm research to develop tailored recommendations, with a distinctive focus on non-discretionary advisory services.

Kevin Marani is a financial advisor with LPL Enterprise, holding Series 63 and Series 66 licenses and 16 years of industry experience. His prior roles include positions at The Prudential Insurance Company of America, Pruco Securities LLC, Appreciation Financial, Pinnacle Equity Management, LLC, and Trajan Advisors. LPL Enterprise serves a diverse range of clients, including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering financial planning, consulting, and access to model portfolios and third-party asset management through an integrated platform combining advisory and brokerage services.

Noah Rodriguez is a Financial Consultant at Fidelity Investments, where he has been serving since 2026. He focuses on partnering with clients to understand their financial situations and optimize their resources to help achieve their financial goals. Rodriguez's experience at Fidelity spans multiple roles, including Investment Consultant (2025-2026), Planning Consultant (2021-2025), Relationship Manager (2019-2021), and Financial Representative (2018). He holds a California Insurance License.

Kimberly Swanson is a financial advisor with Charles Schwab in Walnut Creek, CA, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. She has worked at Charles Schwab since 2018, with prior experience at Raymond James & Associates. She is also involved in real estate and property management on a limited basis outside of securities trading hours. Charles Schwab & Co., Inc. serves a large client base, 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 both non-discretionary and discretionary investment solutions supported by a centralized custody and operational structure.

Chee Hon is a financial advisor with Cambridge Investment Research Advisors based in San Ramon, CA, holding Series 63 and Series 66 licenses and with 26 years of industry experience. Prior to joining Cambridge in 2018, he worked at U.S. Bancorp Investments, Inc. from 2014 to 2018. Outside of his advisory role, he is the owner of First Sequoia Financial, LLC. Cambridge Investment Research Advisors serves a wide range of clients including individuals, pension plans, and charitable organizations, providing financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals. The firm offers various portfolio management solutions and maintains proprietary and third-party investment strategies tailored to client objectives.

Jordan Urrutia is a financial advisor at Charles Schwab with 5 years of industry experience and holds a Series 66 designation. Before joining Schwab in 2021, he worked briefly at Fidelity and LPL Financial and spent five years at Christian Louboutin prior to entering the financial industry. 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 combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers multi-asset model portfolios supported by research from the Schwab Center for Financial Research.

Brendaliz Valenzuela is a financial advisor at J.P. Morgan Securities with 14 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at J.P. Morgan Securities since 2012, including a role at JPMorgan Chase Bank, N.A. since 2018. 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 brokerage, distribution, and investment management capabilities.

Kimberly Kaiman is a financial advisor at Fidelity with Series 63 and Series 66 licenses and four years of industry experience. She previously worked at Alamo Ace Hardware and Baystreet Research. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including discretionary and non-discretionary portfolio management, fund advisory, and model portfolio delivery, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction.

Matthew Voelker is an Investment Consultant at Fidelity Investments, where he partners with families to help them understand and pursue their financial goals. He focuses on building genuine relationships to learn what is most important to each client and co-creates plans that provide a vision and sense of security. Matthew began his professional career at Fidelity Investments as a Financial Representative in 2025 before advancing to his current role as an Investment Consultant. He holds a California Insurance License, supporting his work with clients' financial and insurance needs. Outside of his professional work, Matthew's personal interests include baseball, family activities, fitness, football, golf, and traveling.