Ernest Holguin is a CFP® professional with 30 years of industry experience, currently serving as a financial advisor at Wells Fargo Advisors since 2014. His prior roles include positions at Merrill, Banc of America Investment Services, and Morgan Stanley. He is a partner in multiple investment-related practices including Presidio Group Wealth Management and Presidio Group Growth Partners. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by offering investment and fee-based financial planning services. The firm provides a broad range of planning options and integrates advisory services with various financial products and referral channels.

Jamie D'amico is a financial advisor with Wells Fargo Clearing in Walnut Creek, CA. He holds a Series 63 designation and has 12 years of industry experience, including 10 years with Wells Fargo Clearing. Wells Fargo Advisors is a large national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions.

Jaime Estrada is a financial advisor with Wells Fargo Advisors, holding a Series 66 designation and bringing 15 years of industry experience. He has been with Wells Fargo Advisors since 2022 and previously worked at Wells Fargo Clearing from 2016 to 2022. In addition to his advisory role, Estrada coaches basketball at De La Salle High School in Concord, CA. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services tailored to clients who meet a net-worth threshold. The firm offers a broad range of planning services and integrates advisory recommendations with other financial products and referral channels.

Argenis Biscardi Melendez is a CFP® professional with six years of industry experience, currently affiliated with OSAIC. His career includes roles at Royal Alliance Associates, NYLIFE Securities LLC, and New York Life Insurance Company. He also supports Pacific Financial Partners as part of a team servicing existing clients with insurance and investment products. OSAIC Wealth serves a diverse client base, including individual investors, retirement plan sponsors, charities, and corporate clients, offering brokerage and advisory services through a multi-advisor platform focused on model-based asset allocation and portfolio optimization.

Tiffany Ho is a financial advisor at Merrill with seven years of industry experience. She holds a Series 66 designation and has worked previously at LPL Financial, LLC and Jackson Square Financial. She is based in Walnut Creek, CA. 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.

Nicholas OConnor is a Financial Consultant at Fidelity Investments, a role he has held since 2025. Prior to this, he worked as an Investment Consultant at Fidelity Investments from 2023 to 2025. In his current position, Nicholas partners with clients to understand their financial goals and develops customized plans that address their unique needs. Nicholas holds a California Insurance License, which supports his work in financial consulting. He prioritizes forming strong relationships with clients and their families, emphasizing trust, reliability, and competency in his professional approach. Outside of his professional life, Nicholas enjoys a variety of personal interests including board games, boating, camping, fishing, football, and skiing.

Daniel Ghinazzi is a financial advisor with Cetera who holds a Series 63 designation and has 50 years of industry experience. He has been with Cetera and its related entities since 2013. Outside of his advisory role, he is involved in the sale of fixed insurance products and operates a financial services business under the name East Bay Financial Network. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a nationwide network of advisors and features a multi-manager platform with various investment program options.

Lee Gordon is a financial advisor with Morgan Stanley in Walnut Creek, CA, holding a Series 66 credential and 15 years of industry experience. He has been with Morgan Stanley and its Private Bank division since 2015. Morgan Stanley Wealth Management provides advisory programs to both individual and institutional clients, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that incorporates firm-approved tools and market simulations.

Bryan Yun is a CFA® charterholder with nine years of industry experience, currently serving as a financial advisor at J.P. Morgan Securities in Walnut Creek, CA. He has been with J.P. Morgan in various capacities since 2016. Outside of his advisory role, he is associated with Wonders Pediatric Therapy, a pediatric occupational therapy business started by his wife, though he does not have direct responsibilities there. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. Their advisory process involves centralized due diligence with quantitative and qualitative research to build model asset allocations, focusing on non-discretionary, customized investment advice and performance reporting.

Danelle Heal is a financial advisor with UBS Financial Services in Walnut Creek, CA, holding Series 63 and Series 66 licenses and bringing 21 years of industry experience. She has been with UBS since 2015. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances.

Erika Odell is a financial advisor at Morgan Stanley with four years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley since 2022, following roles at Mass Mutual Investors Services and Bankers Life and Casualty. Prior to her financial services career, she practiced law at the Law Offices of Donald A Odell for twelve years. Morgan Stanley Wealth Management offers a range of advisory programs to individuals and institutions, focusing on tailored financial planning through structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides services that include investment advisory and estate planning strategies.

Michelle Tang is a Financial Consultant at Fidelity Investments, where she has been serving clients since 2026. In her role, she collaborates closely with clients to develop comprehensive financial plans and investment strategies tailored to their goals. Michelle's approach focuses on informed decision-making and building client confidence about their financial future. Before becoming a Financial Consultant, Michelle held several positions at Fidelity Investments, including Investment Consultant from 2025 to 2026, Relationship Manager from 2023 to 2025, and Financial Representative in 2023. She holds a California Insurance License, supporting her work in financial consulting. Outside of her professional responsibilities, Michelle enjoys participating in barre classes, attending social events with friends, and listening to music.

Steven Drackert is a financial advisor at Morgan Stanley in Oakland, CA, with 23 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at several firms, including UBS Financial Services, First Republic Securities Company, and Wells Fargo Clearing. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by firm-approved tools and modeling techniques.

James Brian Sugay is a financial advisor with RBC Capital Markets and holds a Series 66 designation. He has 18 years of industry experience, including roles at City National Bank and Wells Fargo Clearing. Outside of his advisory work, he is a co-owner of a vacation property. RBC Wealth Management serves a diverse client base including individual investors, institutions, pension plans, corporations, and charities. The firm offers a variety of advisory programs featuring discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services, utilizing both in-house and third-party investment managers.

Delsin Varian-Gonzalez is a Financial Consultant currently working at Fidelity Investments since 2025. Prior to this role, he served as a Planning Consultant at Fidelity Investments from 2023 to 2025 and as a Central Relationship Manager at the same firm from 2022 to 2023. His financial advisory career began at Equitable Advisors, where he worked as a Financial Consultant from 2018 to 2022. Delsin holds a California Insurance License and focuses on empowering clients to make informed financial decisions through collaboration and education. He values an ongoing relationship with clients to ensure their needs are heard and addressed, regardless of financial complexity or simplicity. Outside of his professional work, Delsin engages in personal interests including beach activities, fitness, football, playing instruments, attending social events with friends, and outdoor adventures.

Brennan Malone is a CFP® and holds a Series 66 license with 16 years of industry experience. He has been with Fisher Investments since 2015. Fisher Investments serves a global mix of institutional and private clients, offering discretionary portfolio management across equity, fixed-income, and blended mandates. The firm employs a centralized investment process that incorporates quantitative and qualitative research to construct diversified portfolios and provides a range of sub-advisory and retirement plan services.

Omar Nazari is a Financial Advisor affiliated with Merrill Lynch Wealth Management. He works with clients to understand their financial goals and develop strategies to pursue them across short-, mid-, and long-term horizons. Omar provides guidance in areas including general investing, retirement planning, and savings for unexpected expenses. Additionally, he offers access to Bank of America specialists for services related to banking, credit, home financing, and small business solutions. His client focus includes family wealth management strategies, investment consulting for defined contribution plans, legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, tax minimization, and retirement income. Omar holds the professional designations Accredited Wealth Management Advisor (AWMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). His education includes a non-accredited certificate program from Kabul University.

John Kelson is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he leads a team focused on providing a holistic approach to wealth management. He manages personal wealth and portfolio strategies for a select group of clients, including executives, retirees, and entrepreneurs. John has expertise in various areas including corporate benefits, employee benefits planning, executive and equity compensation services, family wealth management strategies, legacy planning, personal retirement planning, portfolio management, tax minimization, and retirement income. His approach incorporates asset allocation, wealth preservation, estate and legacy strategies tailored to individual client goals and risk tolerance. He holds a Bachelor's Degree from the University of California System and has completed a Non Accredited Certificate Program from THE AMERICAN COLLEGE. His professional designations include CERTIFIED FINANCIAL PLANNER (CFP), Certified Investment Management Analyst (CIMA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Outside of his professional work, John has interests in baseball, camping, hiking, music, and running.

Benjamin Steinhorn is a financial advisor at OSAIC with one year of industry experience. He previously operated Steinhorn Consulting for ten years before joining OSAIC. He holds a Series 66 designation. OSAIC serves a diverse client base including retail and institutional investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform. The firm offers brokerage and advisory services across various programs, emphasizing model-based asset allocation, portfolio optimization, and a range of discretionary and third-party investment strategies.

Charles Bond is a CFP® professional with 42 years of industry experience, currently affiliated with OSAIC in Lafayette, CA. His prior roles include positions at Royal Alliance Associates, Inc., Signator Investors, Inc., and Transamerica Financial Advisors. Bond is also a managing member of Bond Financial and Insurance Services LLC, an insurance agency operated with family members that offers health, life, dental, disability, and vision insurance products. OSAIC serves a diverse client base including retail investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform. The firm offers a range of brokerage and advisory services with an investment process centered on model-based asset allocation and portfolio optimization.