Patrick Fovel is a financial advisor with LPL Financial in San Ramon, CA, holding a Series 66 designation and having 25 years of industry experience. His prior roles include positions at National Planning Corporation, Hamilton, Martell and Associates, and Prudential Equity Group. Outside of his advisory work, he is co-owner of BFM Wealth Management, a tax preparation and accounting business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, utilizing both discretionary and non-discretionary strategies supported by research and technology tools.

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 affiliated with LPL Financial since 2016. Prior to LPL, he worked at Edward Jones for 10 years and Waddell & Reed for 2 years. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, institutions, and retirement plan participants through a large network of investment adviser representatives. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by advanced operational tools.

David Lu is a financial advisor at Morgan Stanley in Pleasanton, CA, holding the Series 66 designation with 18 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, including tailored financial planning supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers services both directly to individuals and through corporate financial planning arrangements.

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 at Edelman Financial Engines in Walnut Creek, CA, holding a Series 65 designation. She has been with Edelman Financial Engines since 2007. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients, offering a range of workplace solutions, planner-led wealth management, and retirement income services. The firm employs a committee-driven modeling process combined with planner delivery and online tools, emphasizing diversified portfolios, periodic rebalancing, and a long-term investment approach.

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.

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.

Jennie Hunsberger is a CFP® professional with 21 years of industry experience, currently serving at OSAIC since 2017. Her prior roles include positions at Fidelity Investments Institutional Services Company, Lincoln Financial Distributors, Ryan Beck & Co., and Ameriprise. She is also a partner at Next Step Retirement & Insurance, LLC, where she engages with clients and vendors. OSAIC Wealth serves a diverse client base including retail and institutional investors, offering brokerage and advisory services through a multi-advisor platform. The firm utilizes model-based asset allocation and portfolio optimization tools and provides a range of investment programs supported by a complex affiliate network and private-equity ownership.

Eric Slack is a financial advisor with LPL Financial in San Ramon, CA, holding Series 63 and Series 65 licenses and 27 years of industry experience. He previously worked at Transamerica Capital Inc and AMG Funds LLC. Outside of his advisory role, he is involved in estate services. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management solutions, utilizing model portfolios, third-party subadvisors, and customized strategies.

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.

Michael Daly is a financial advisor with J.P. Morgan Securities in Dublin, CA. He holds Series 63 and Series 65 licenses and has 30 years of industry experience. His prior work includes roles at Chase Investment Services Corp., Wamu Investments, Inc., and Banc of America Investment Services, Inc. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process integrates quantitative and qualitative research and incorporates an ESG eligibility framework within a non-discretionary program.

Melissa Waggonner is a financial advisor at Merrill with 19 years of industry experience and a Series 66 designation. She has been with Merrill since 2015 and has also worked at Bank of America, N.A. since 2025. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

Paul Kommer is a Wealth Management Advisor at Merrill Lynch Wealth Management. With over thirty years of experience in financial advising, he assists clients in navigating various wealth management decisions by providing education, advice, and guidance aimed at achieving their financial goals. He emphasizes understanding and prioritizing each client's specific financial and personal objectives through personalized discussions. His areas of expertise include managing new wealth, personal retirement planning, and retirement income. Paul holds the CERTIFIED FINANCIAL PLANNER (CFP) designation and is a Personal Investment Advisor (PIA). He earned a Bachelor's Degree from the University of California System. Outside of his professional role, Paul is involved in coaching high school basketball and participates in fitness sports such as rowing, running, and triathlon. He also enjoys music, reading current events and novels, and supports his four adult daughters in their pursuits.

Marcelo Francys Oliveira is a financial advisor at OSAIC with 18 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Sii, Transamerica Financial Advisors, and Investment Advisors International, Inc. Outside of his advisory role, he is the CEO and owner of CDG Capital Partners LLC, an e-commerce business serving clients in Brazil. OSAIC Wealth serves a diverse clientele including retail and institutional investors, retirement plan sponsors, charities, and corporate clients. The firm offers a multi-advisor platform with brokerage and advisory services, employing a model-based investment process that supports discretionary and non-discretionary strategies along with third-party money manager programs.

Carolyne Charvoz is a financial advisor with MassMutual Investors Services holding a Series 66 designation and five years of industry experience. She has been with MassMutual Life Insurance Co. and its affiliated entity MML Investor Services, LLC since 2020. Prior to her current role, she was involved with Torches on the Hudson, DBA Blu Pointe, from 2017 to 2020. Carolyne also holds an outside insurance sales position as a broker specializing in life, disability, and long-term care insurance. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers ongoing, collaborative financial planning engagements using proprietary software and provides educational seminars along with specialized planning for events such as divorce and estate settlement.

Vince Affinito is a financial advisor with OSAIC in Lafayette, CA, holding Series 63 and 65 licenses and bringing 40 years of industry experience. He previously worked at Signator Investors, Inc. for 24 years before joining OSAIC in 2018. Outside of his advisory roles, he operates a sole proprietorship involved in life insurance and annuity sales. OSAIC Wealth serves a diverse range of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including financial planning, managed portfolios, and retirement plan consulting. The firm employs a model-based investment process with asset allocation and portfolio optimization tools, supporting various discretionary and third-party managed strategies.

Tanner Mcmillen is a financial advisor at Fidelity with a Series 66 credential and less than one year of industry experience. His prior experience includes roles at Morgan Stanley, Giving Tree Wealth Advisors, and The Wine Group, alongside earlier positions in education and hospitality. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to a diverse client base including retail and institutional investors. The firm employs a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios and serves as a registered commodity pool operator with advisory roles for multiple registered investment companies.

Stephen Macdonald is a financial advisor with Wells Fargo Clearing in Walnut Creek, CA, holding Series 65, Series 63, and Series 66 licenses and bringing 22 years of industry experience. His career includes roles at Wells Fargo Bank, Nuveen Securities, LLC, TIAA, and Teachers Personal Investors Services, Inc. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions, utilizing research from Wells Fargo Investment Institute and third-party sources to guide investment decisions.