Matthew Sagers is a financial advisor with Mass Mutual Investors Services in Walnut Creek, CA. He holds the CFP® designation as well as Series 63 and Series 65 licenses and has six years of industry experience. Prior to his current role, he worked at The Olympic Club and The Bar Athletics. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser offering financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides collaborative, goal-oriented planning using firm-approved software tools and offers specialized planning programs such as divorce and estate settlement services.

Brenda Knudsen is a financial advisor at Fidelity with 24 years of industry experience. She holds a Series 66 credential and has previously worked at firms including Lucia Securities, Lucia Capital Group, and RBC Capital Markets. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios across mutual funds, ETFs, and ETPs.

Mark Passalacqua is a financial advisor at Wells Fargo Advisors with 17 years of industry experience. He holds a Series 66 designation and has worked at various Wells Fargo entities since 2012. Outside of advising, he owns and operates Square One Ventures LLC, a toy and game manufacturing business where he is involved in design, development, and multimedia production. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that serves individuals, trusts, and institutional clients, offering a broad range of financial planning and investment services tailored to clients meeting specific net-worth criteria.

Luiz Boscardin is a financial advisor at OSAIC with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at OSAIC since 2018, following ten years at Signator Investors Inc and brief tenures at FSC Securities Corporation and Signator Investors, Inc. Outside of advising, he is the CEO and Broker of an insurance agency specializing in life, disability, and property and casualty insurance. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations through a broad network of affiliated advisers. The firm offers integrated brokerage and advisory services, financial planning, and uses asset-allocation tools and third-party platforms to construct and manage portfolios across various asset classes.

Jeannie Chan is a financial advisor at Wells Fargo Clearing with 11 years of industry experience. She has held positions at Wells Fargo Advisors, LLC and Wells Fargo Clearing since 2011. She holds a Series 63 designation and is based in Walnut Creek, CA. 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 utilizes research from Wells Fargo Investment Institute and third-party sources, offering brokerage and advisory solutions through a broad platform.

Yoo Kwon is a financial advisor with Wells Fargo Advisors in Walnut Creek, CA, holding Series 63 and Series 66 licenses and having nine years of industry experience. He has worked within the Wells Fargo organization since 2012 across multiple entities, including Wells Fargo Bank NA and Wells Fargo Clearing Services LLC. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that serves individuals, trusts, and institutional clients through a wide range of financial planning and investment services. The firm offers specialized planning options and integrates advisory services with other financial products and referral channels.

Mary Allen is a financial advisor with OSAIC in Walnut Creek, CA, holding the CFP® and Series 63 designations and bringing 40 years of industry experience. She has worked with Royal Alliance Associates, Inc. since 1992. Outside of her advisory role, she serves as Program Chair for Sponsorship at the East Bay Commercial Real Estate Women and is the Successor Trustee for her sister’s trust. OSAIC serves a wide range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and advisory services with a variety of investment platforms and third-party solutions.

Silvia Duda is a financial advisor with UBS Financial Services in Walnut Creek, CA, holding a Series 66 designation and 12 years of industry experience. She has worked at UBS since 2015, including her current role beginning in 2023. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services. The firm combines institutional trading capabilities with wealth management, offering proprietary research, model-based asset allocations, and fiduciary fee-based financial planning.

Steven Peltz is a CFP® with 25 years of industry experience, currently affiliated with Wells Fargo Clearing since 2016. He previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, he coaches youth soccer with the Cayo Mustang Soccer League. 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 manages approximately $671 billion in assets and provides both brokerage and advisory solutions.

Styles Scroggins is a financial advisor at Fidelity with a Series 66 designation and less than one year of industry experience. Prior to joining Fidelity, Scroggins held roles at Morgan Stanley, Northwestern Mutual, and worked for four years with Rover and the US Marine Corps. Fidelity, through its Strategic Advisers LLC division, offers investment management and advisory services to a diverse client base including retail and institutional investors, employing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios across mutual funds, ETFs, and ETPs.

Theodore Tellefsen is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and having 26 years of industry experience. He has been with J.P. Morgan since 2019, following prior roles at Lincoln Financial Advisors Corporation and Aerotek. 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 operates with a non-discretionary approach, combining institutional advisory services with brokerage and investment management capabilities.

Oswaldo Hernandez is a financial advisor with Morgan Stanley in Walnut Creek, CA, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. Prior to joining Morgan Stanley, he worked at E*TRADE Capital Management LLC and E*TRADE Securities LLC for several years, as well as OptionsHouse. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by firm-approved tools and models, with approximately $2.74 trillion in client assets under management.

Abby Honerkamp is a Series 66-registered financial advisor with Charles Schwab in Berkeley, California, and has 17 years of industry experience. She has been with Charles Schwab since 2012. 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 discretionary separately managed accounts and offers multi-asset model portfolios supported by research from the Schwab Center for Financial Research.

Philip Curran is a CFP®-certified financial advisor with 34 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors, LLC from 2013 to 2016. Wells Fargo Clearing specializes in retirement plan consulting for qualified ERISA plans and non-qualified deferred compensation plans, providing both discretionary and non-discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and offers a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Roderick Webb is a financial advisor with Morgan Stanley in Walnut Creek, CA, holding Series 63 and Series 65 credentials and 27 years of industry experience. Prior to joining Morgan Stanley Smith Barney LLC in 2023, he worked at E*TRADE Capital Management and E*Trade Securities from 2015 to 2023. Outside of finance, he owns NOLA Music Studios, a recording studio in South San Francisco. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs and tailored financial planning services supported by structured discovery and firm-approved planning tools.

Christina Pacheco is a financial advisor with Cetera, holding a Series 66 designation and bringing 10 years of industry experience. Her career has included various roles within Cetera and related entities since 2015, as well as positions at LPL Financial and AssetMark Financial. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients through a large nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform that includes affiliated and third-party model portfolios and strategies.

Richard Strand is a Wealth Management Advisor at Merrill Lynch Wealth Management. He works with individuals, families, business owners, and foundations, providing customized financial and wealth management strategies. With over 25 years of experience, Richard focuses on helping clients attain their financial goals through personalized planning. His expertise covers all aspects of the wealth management process, including retirement planning, tax minimization, portfolio construction, liability management, and estate and asset preservation. Richard holds an MBA in Finance from St. Mary's College in Moraga and a bachelor's degree in Finance from California State University Chico. He has earned professional designations as a Certified Investment Management Analyst (CIMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Richard resides in Alamo, California, with his wife Erin and their three children. He is actively involved in the community and enjoys biking, golfing, music, and traveling.

Mallory Dinis is a financial advisor at Edelman Financial Engines with 13 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Edelman Financial Engines since 2026, following a decade at Financial Engines Advisors L.L.C. and a year at TMFS Advisors, LLC. Edelman Financial Engines provides technology-enabled investment advisory services focused on workplace retirement accounts, IRAs, taxable accounts, and institutional clients. The firm manages model-based and customized portfolios, offers sub-advisory services, and supports a large participant base through both advisor-led and online platforms.

Raymond Gibson is a Series 65–licensed financial advisor with Equitable Advisors in Walnut Creek, CA, where he has worked since 1999. He has 39 years of industry experience and previously worked with Axa Advisors, LLC for 21 years. Equitable Advisors serves a wide range of clients, including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and various asset-management programs, utilizing a network of Investment Adviser Representatives and both proprietary and third-party advisory solutions.

Denise Erdem is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors, LLC from 2012 to 2016. Outside of her advisory role, she serves as a notary public in Clayton, 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 approach is IPS-driven and grounded in modern portfolio theory, with a broader range of financial products that includes insurance-related vehicles and bank deposit sweep options.