Rodolfo Duran Chavez is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 22 years of industry experience. He has worked at Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory services grounded in modern portfolio theory. The firm’s approach includes a broad range of financial product offerings such as insurance-related vehicles and bank deposit sweep options.

Kimberly Rosati is a Vice President, Wealth Planner at Fidelity Investments, a position she has held since 2013. In this role, she works with multiple generations of families to develop personalized wealth strategies focused on growth, preservation, and wealth transfer. She aims to build long-term relationships and assist clients in achieving their wealth planning and legacy objectives. Her professional experience is centered around wealth planning, where she leverages her expertise to help clients navigate complex financial decisions. Kimberly holds a California Insurance License, which supports her work in providing comprehensive financial advice.

Roosevelt Kirk is a financial advisor at Wells Fargo Clearing with five years of industry experience. He holds a Series 66 designation and has previously worked at Edward Jones, Loomis Sayles, and Assetmark Financial Inc. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advice. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broader set of investment options than typical institutional advisers, such as insurance-related vehicles and bank deposit sweep programs.

Thomas Befumo is a financial advisor with Osaic, holding Series 63 and Series 65 credentials and bringing 44 years of industry experience. His prior experience includes ten years with Lincoln Financial Advisors and over two decades running Befumo Insurance Group, Inc. He also offers disability insurance, fixed annuities, traditional life insurance, and long-term care products. Osaic Wealth, Inc. serves a diverse client base including individual, high-net-worth, institutional, and charitable investors. The firm provides integrated brokerage and advisory services through a large network of advisers, using asset-allocation tools and multiple investment platforms to manage portfolios across various asset classes.

Ronald Guirnalda is a financial advisor at Merrill with 30 years of industry experience. He holds Series 63 and Series 66 designations and has worked previously at Morgan Stanley. Outside of his advisory role, he is employed part-time as a store associate and stocker at CVS Health. Merrill, along 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 for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Ricky Luong is a financial advisor at Wells Fargo Clearing with five years of industry experience. He holds the Series 66 designation and has worked at Wells Fargo Clearing since 2020, following four years at Grand Communications. Luong is based in Castro Valley, CA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a range of investment options such as insurance-related vehicles and bank deposit sweep programs.

William Butler is a Private Wealth Advisor and Managing Director at Merrill Private Wealth Management in San Francisco. He is the founder of the Butler Group and specializes in providing wealth management advice to ultra-high-net-worth individuals, family offices, private equity principals, and entrepreneurs. William focuses on helping clients deploy, grow, and transfer their wealth by addressing complex financial situations and offering customized solutions. William Butler has worked in wealth management since 2005, with previous roles including Private Banker and Managing Director at Citi Private Bank, as well as experience in Mellon’s Private Wealth Management Group. Prior to his wealth management career, he served over nine years as a Naval Officer and pilot, including operational duties at the Pentagon and multiple deployments. He holds a Bachelor of Science degree in Economics from the United States Naval Academy and an MBA from George Washington University. William is a Personal Investment Advisor (PIA) professional designated through Merrill.

Yvonne Flores is a financial advisor at Edward Jones in Fremont, CA, holding a Series 66 designation with one year of industry experience. Her prior work history includes positions at JP Morgan Chase, First Republic, and Bank of America. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment strategies supported by a large nationwide network of financial advisors and branch offices.

Jeff Loventhal is a financial advisor with J.P. Morgan Securities, holding a Series 63 designation and bringing 34 years of industry experience. His career includes multiple roles within J.P. Morgan entities dating back to 2012. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors. The firm offers asset allocation advice, investment manager and fund searches, and customized performance reporting, combining large institutional advisory operations with brokerage and investment management capabilities.

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.

Kylie Lindquist is a financial advisor at Morgan Stanley with two years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley since 2022. Outside of her advisory role, she is involved in pet sitting and dog walking through Rover, as well as babysitting via Care.com. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a broad range of advisory programs including tailored financial planning supported by structured discovery processes and advanced modeling tools. The firm manages approximately $2.74 trillion in client assets and provides services through direct client relationships and Corporate Financial Planning agreements.

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.

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.

Lewis Phillips is a financial advisor at Merrill with 29 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Bank of America and Merrill since 2013. 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 strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

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.

David Halperin is a financial advisor with Wells Fargo Clearing in Pleasanton, CA, holding Series 63 and Series 65 credentials and 31 years of industry experience. He has worked at Wells Fargo Advisors LLC and Wells Fargo Clearing for a combined 17 years. He also serves as a trustee for a family investment entity. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients, managing approximately $671 billion in assets through a network of over 14,000 financial advisors.

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.

Paul Bratrude is a financial advisor at Cetera with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Cetera since 2006. In addition to his advisory role, he is a partner and CPA at Bratrude & Jones CPAs, Inc., where he provides accounting assistance and income tax planning and preparation. Cetera is an SEC-registered advisor that supports a large network of independent advisors serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with varied portfolio management options and oversees over $256 billion in assets under management.

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.

Gregory Cohn is a financial advisor with Mass Mutual Investors Services in Pleasanton, CA, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been with MassMutual Life Insurance Company and MassMutual Investors Services since 2001. Outside of his advisory role, he is a joint owner of a thoroughbred racehorse. MassMutual Investors Services operates as a subsidiary of MassMutual, providing financial planning and asset management services to individuals, business owners, trusts, and charitable organizations. The firm emphasizes collaborative annual financial planning engagements using firm-approved analytical tools and offers a range of investment and educational programs.