Avery Tannenbaum is a financial advisor at Osaic Wealth, Inc. based in San Ramon, CA, holding a Series 66 credential with one year of industry experience. Prior to joining Osaic, Avery worked at Equitable Advisors, LLC and Ascend Financial Group, and has a background that includes five years at Seattle University and ten years with CMG/Diversified Mortgage Group. Osaic Wealth serves a wide range of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including comprehensive financial planning and retirement plan consulting. The firm’s investment process centers on model-based asset allocation and portfolio optimization, supported by discretionary strategies and third-party manager selections.

Scott Morris is a CFP® and Series 66 licensed advisor with 19 years of industry experience. He has worked at Osaic since 2025 and previously spent 18 years with Lincoln Financial Advisors. In addition to his advisory role, he offers fixed and indexed annuities as well as traditional life insurance. Osaic Wealth serves a broad mix of retail and institutional clients through a multi-advisor platform, offering brokerage and advisory services that include comprehensive financial planning, managed portfolios, and retirement plan consulting. The firm’s investment approach uses model-based asset allocation and portfolio optimization with options for discretionary strategies and third-party manager selection.

Daschel Grammer is a CFP® professional with eight years of industry experience, currently affiliated with Raymond James Financial in San Ramon, CA. He has previously worked at Securian Financial Services Inc and American Century Investment Services, Inc. Grammer also serves as an independent contractor financial advisor at Summit Financial Group. Raymond James Financial Services Advisors, Inc. provides comprehensive financial planning, investment consulting, and advisory services for individual, high-net-worth, institutional, and charitable clients. The firm offers customized, non-discretionary planning using analytical and risk-profiling tools and supports a wide network of advisors with specialized municipal and public finance advisory services.

Andy Hawkey is a CFP® professional with 35 years of industry experience, currently serving as an advisor at OSAIC since 2002. He previously spent over two decades at Pim Financial Services, Inc. Outside of his advisory role, Hawkey is a licensed life insurance agent and occasionally works with third-party specialists to evaluate life insurance and fixed annuity options for clients. Osaic Wealth serves a wide range of retail and institutional clients through a multi-advisor platform, offering brokerage and advisory services including comprehensive financial planning and managed portfolios. The firm emphasizes model-based asset allocation and portfolio optimization, and is notable for its scale, complex affiliate network, and private-equity ownership.

David Liebowitz is a financial advisor with UBS Financial Services in Danville, CA, holding a Series 63 designation and bringing 33 years of industry experience. His career includes roles at Bank of America, Merrill, Morgan Stanley, Citigroup Global Markets, Wells Fargo Clearing, and Prudential Equity Group. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, combining proprietary research and model-based asset allocations to tailor financial plans. The firm integrates institutional trading capabilities with wealth management services across a broad range of investment products and capital markets activities.

Munish Kaila is a Financial Advisor at Merrill Lynch Wealth Management. With over 20 years of experience in the financial services industry, he specializes in providing clients comprehensive advice focused on retirement planning, college education planning, philanthropic planning, portfolio management, small business strategies, and tax minimization. Munish works closely with clients and their families to help them achieve their specific financial goals and develop sound financial plans. He holds a Bachelor's Degree from the University of New Hampshire and is a Personal Investment Advisor (PIA). Munish’s approach centers on delivering a positive client experience and effectively addressing client needs. Outside of work, he enjoys basketball, golfing, hiking, and spending time with his family.

Kelsey Wheaton is the Vice President and Branch Leader at Fidelity Investments, overseeing the Dublin branch. In this role, she leads a team of Financial Professionals to provide client services and support their professional development. Kelsey has been with Fidelity Investments since 2015, progressing through various roles including Financial Representative, Relationship Manager, Senior Relationship Manager, Financial Consultant, and Assistant Branch Leader before her current position. Prior to Fidelity, she worked as a Flagship Client Service Associate at The Vanguard Group. She holds a California Insurance License.

Francesco Jones is a financial advisor at Merrill with 14 years of experience at the firm and a total of 10 years in the industry. He holds a Series 66 designation and has worked at Bank of America, N.A. since 2016. 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. The firm offers model-based and discretionary strategies from internal Chief Investment Office teams and third-party style managers, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Mc Rae Grace is a financial advisor at Charles Schwab with a Series 66 designation and two years of industry experience. Prior to joining Charles Schwab, Grace worked at Equitable Advisors for two years and has a varied background including roles outside of finance. 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, combining non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts.

Kimberly Damiani is a Certified Financial Planner® with 14 years of industry experience, currently serving as a financial advisor at Raymond James Financial Services Advisors, Inc. She has worked at Raymond James since 2023 and previously held roles at Summit Financial Group and Securian Financial Services. Damiani serves on the board and investment committee of the Three Valleys Community Foundation, contributing to the foundation’s investment oversight. 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, and institutional investors. The firm offers non-discretionary planning tailored to client goals, supported by analytical tools and a range of advisory programs.

Matthew Tekeste is a financial advisor at Edward Jones with seven years of industry experience. He holds a Series 66 designation and has been with Edward Jones since 2018. Prior to joining the firm, he worked at California State University Channel Islands and Blenders in the Grass. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management through a nationwide network of over 23,700 financial advisors and offers a range of advisory programs and investment solutions under a fiduciary standard.

Alan Torrey is a financial advisor at Ameriprise with 31 years of industry experience. He holds Series 63 and Series 65 designations and has been with Ameriprise since 2008. Torrey operates an S-Corp for managing his franchise expenses. Ameriprise provides retirement-income planning services primarily for clients with significant investable assets, combining research, modeling, and tax-efficient strategies to deliver tailored recommendations through a centralized consulting team.

Lindsay Abrams is a financial advisor at Morgan Stanley with a Series 66 credential and two years of industry experience. Prior to joining Morgan Stanley, she held roles at Blue Orange Games and worked as a full-time college student at Saint Mary's College of California. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets through a range of advisory programs.

Haiwen Ye is a financial advisor at Merrill with seven years of industry experience and holds a Series 66 designation. Ye’s career includes roles at Bank of America, N.A., Merrill, and Citigroup. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Rodolfo Duran Chavez is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 23 years of industry experience. His prior work includes positions at A. G. Edwards & Sons, Inc. and MSI Financial Services, Inc. Outside of his advisory role, he owns and manages rental properties in Concord, California, and Lima, Peru. 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 combines proprietary research and third-party analytics to guide investment selections and offers a broad range of brokerage and advisory solutions.

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 at OSAIC with 44 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Lincoln Financial Advisors for 10 years and operated Befumo Insurance Group, Inc. for 21 years. His background includes offering disability insurance, fixed annuities, traditional life insurance, and long-term care. OSAIC serves a wide range of retail and institutional clients through a multi-advisor platform, providing brokerage and advisory services that include comprehensive financial planning and advisor-managed portfolios. The firm emphasizes model-based asset allocation and portfolio optimization, supporting various strategies through a complex affiliate network and a platform influenced by private-equity ownership.

Ronald Guirnalda is a financial advisor at Merrill with 31 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at several firms, including Morgan Stanley, Wells Fargo Clearing, Ameriprise, and UBS Financial Services. Outside of his advisory role, he is employed part-time as a store associate at CVS Health. 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 for individuals, high-net-worth clients, pension 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.