Lois Leynse is a financial advisor with Cetera based in Oakland, CA. She holds Series 63 and Series 65 licenses and has 28 years of industry experience, including over 27 years with Avantax Advisory Services. In addition to her advisory work, she has operated the Financial Fitness Center since 1993, specializing in tax preparation and supervision. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a multi-manager platform offering discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Alexander Binnie is a CFP®-designated financial advisor with Ameriprise, based in Orinda, CA, and has 35 years of industry experience. He has been with Ameriprise and its affiliate since 2005. Outside of his advisory role, he serves on the Board of Directors for Watchpoint Logistics and engages in freelance fiction and nonfiction writing. Ameriprise Financial Services is a large, diversified firm serving both individual and institutional clients. Its Premier Retirement Income service offers tailored retirement income planning through a written Recommendation Report and ongoing advice, with a focus on income sources and tax-aware withdrawal strategies.

Cade Mayer is a financial advisor at Cambridge Investment Research Advisors with three years of industry experience. He holds the Series 63 and Series 66 designations and previously worked at Lululemon and as an independent golf instructor. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals utilizing various portfolio management strategies and platform arrangements.

Ian Tang is a Senior Financial Advisor with Merrill Lynch Wealth Management. He specializes in education planning, managing new wealth, personal retirement planning, and tax minimization. Ian works closely with clients to develop personalized financial strategies aimed at helping them pursue their long-term goals. He holds a Bachelor's Degree from the California State University System and holds the Professional Investment Advisor (PIA) designation. Ian also engages in community service through volunteer work, reflecting the Merrill tradition of local involvement. Outside of his professional role, he enjoys fishing, golfing, softball, and spending time with his family.

Steve Stevens is a financial advisor with Charles Schwab in Oakland, CA, holding Series 63, 65, and 66 licenses and 26 years of industry experience. His prior roles include positions at Merrill Lynch, Advisor Group Inc., and Schwab Wealth Advisory, Inc. 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 in-house research and alternative investment due diligence.

Steven Pugh is a financial advisor at OSAIC with 27 years of industry experience. He holds a Series 66 designation and previously worked for Lincoln Financial Advisors for 18 years. Outside of his advisory role, he serves as an assistant coach for a junior varsity high school baseball team, providing coaching and sportsmanship instruction. OSAIC serves a wide range of clients, including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and investment advisory services, utilizing asset-allocation tools and third-party managers to construct diversified portfolios.

Michelle Bricker is a financial advisor at LPL Financial with 22 years of industry experience. She holds Series 63 and Series 65 credentials and has worked at LPL Financial since 2020. Prior to that, she was with Transamerica Capital Inc and Invesco Advisers, Inc. and Invesco Distributors, Inc. for a combined eight years. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement plan consulting, and brokerage services supported by various model portfolios and research resources.

Mitchell Lum is a CFP® with four years of industry experience, currently serving as a financial advisor at Wells Fargo Clearing since 2021. His prior experience includes roles at Enfusion and time spent at the University of Illinois at Urbana-Champaign. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services grounded in an IPS-driven, modern portfolio theory approach. The firm’s offerings include investment policy statement preparation, performance reporting, participant education, and a broad range of investment options including insurance-related vehicles and bank deposit sweep programs.

Mary Geong is a financial advisor with Cetera, holding a Series 66 designation and bringing 27 years of industry experience. She has held roles at Avantax Advisory Services and Avantax Insurance Agency and served on the California Board of Accountancy for four years. Outside of her advisory work, she serves as a trustee for Alta Bates Summit Medical Center’s philanthropy board and is the treasurer of the Piedmont Asian American Club, a nonprofit focused on educational and cultural activities. Cetera Investment Advisers LLC is an SEC-registered adviser that supports a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to various third-party money managers.

Diann Robinson is a financial advisor at Wells Fargo Clearing with 23 years of industry experience and holds a Series 66 designation. She has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2011 to 2016. Robinson also serves as a trustee and holds power of attorney for family trust matters. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm combines research from Wells Fargo Investment Institute and third-party sources to guide its investment approach, offering a range of brokerage and advisory solutions.

Chase Young is a financial advisor at OSAIC with 10 years of industry experience. He holds a Series 66 designation and previously worked at Lincoln Financial Advisors, Mass Mutual Investors Services, and MetLife Securities. In addition to his advisory role, he is also licensed to offer various insurance products, including accident, health, disability, long-term care, and life insurance, as well as fixed and equity-indexed annuities. OSAIC serves a diverse client base, including retail and institutional investors, through a large network of advisers and multiple advisory platforms. The firm provides integrated brokerage and investment advisory services, using asset-allocation tools and risk assessments to construct portfolios that may include a range of securities and alternative investments.

Akash Chauhan is a Financial Consultant at Fidelity Investments, a role he has held since 2025. He began his career with Northwestern Mutual as a Financial Representative in 2021 and joined Fidelity Investments the same year. At Fidelity, he has served in multiple capacities including Relationship Manager, Planning Consultant, and Investment Consultant. As a Certified Financial Planner®, Akash works closely with clients to develop financial plans tailored to their specific needs and goals. He emphasizes understanding clients' current financial circumstances to present appropriate ideas and strategies. Akash holds a California Insurance License. Outside of his professional responsibilities, he has interests in baseball, comedy, food, football, and traveling.

Juan Flores Rodriguez is a financial advisor with LPL Financial in Berkeley, CA, holding a Series 66 license and six years of industry experience. His prior roles include positions at BMO Harris Bank, Wells Fargo, Bank of America, and Merrill. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement consulting, and brokerage services, employing both discretionary and non-discretionary management supported by research and model portfolios.

Lacey Wedell is a financial advisor at Morgan Stanley with 16 years of industry experience. She holds Series 63 and Series 65 designations and has worked at Morgan Stanley since 2006, including a role at Morgan Stanley Private Bank, N.A. since 2019. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs and tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and market simulations as part of its financial planning process.

Shyamali Mukherjee is a financial advisor with Mass Mutual Investors Services. She holds a Series 66 designation and has been with the firm since 2026. Prior to her advisory role, she has worked at Sandia National Lab since 2010. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, money-manager programs, and educational seminars, focusing on collaborative, annual planning engagements using firm-approved analytical tools.

Yia Lee is a Financial Consultant at Fidelity Investments, a position held since 2026. Prior to this role, Yia served as a Planning Consultant from 2024 to 2025, a Relationship Manager from 2023 to 2024, and a Customer Relationship Advocate from 2022 to 2023, all within Fidelity Investments. Yia's approach centers on fostering client relationships built on honesty, communication, and trust to develop personalized financial plans that align with individual client goals and circumstances. Yia holds a California Insurance License. Outside of work, Yia enjoys camping, attending social events with friends, watching movies, participating in outdoor adventures, and traveling.

Milad Javaherian is a financial advisor at Wells Fargo Clearing with 11 years of industry experience. He holds Series 63 and Series 66 designations. His prior work includes roles at Morgan Stanley Private Bank, Morgan Stanley, and various Wells Fargo entities. 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 grounded in modern portfolio theory, with a broader investment menu that includes insurance-related vehicles and bank deposit sweep options.

Daniel Chane is a Financial Consultant currently working at Fidelity Investments since 2021. He has over a decade of experience in the financial industry, including previous roles as a Market Leader at Merrill Lynch from 2014 to 2021 and as a Financial Solutions Advisor at Merrill Lynch from 2011 to 2014. His approach involves helping clients plan for their financial goals with a holistic perspective. Daniel focuses on educating, coaching, and mentoring clients to take a responsible approach toward overcoming financial concerns and pursuing their objectives. He emphasizes the importance of clients feeling understood and confident in their investment decision-making processes. Daniel holds a California Insurance License.

Christopher Godvin is a financial advisor with Morgan Stanley in Orinda, CA, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. His prior roles include positions at UBS Securities, Merrill, Bank of America, and self-employment. He has been with Morgan Stanley since 2025, currently working within Morgan Stanley Private Bank. Morgan Stanley Wealth Management serves individual and institutional clients, managing approximately $2.74 trillion in assets. The firm offers a variety of advisory programs, including tailored financial planning supported by structured discovery and firm-approved tools.

Patrick Bauzon is a Financial Consultant at Fidelity Investments, a position he has held since 2025. Prior to this role, he served as an Investment Consultant at Fidelity Investments from 2023 to 2025. His career in financial services spans over nine years, including experience as a Financial Advisor at Twin Peaks Wealth Advisors from 2021 to 2023 and as a Registered Sales Associate at Fremont Bank from 2018 to 2021. Patrick holds a California Insurance License, which supports his professional capabilities in the financial sector. His work focuses on providing clients with tailored financial plans to help navigate areas such as wealth accumulation, retirement, and income planning, utilizing Fidelity's planning tools and services. Outside of his professional career, Patrick has interests in cars, football, outdoor adventures, pets, and traveling.