Keri Spanier is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 credentials and 24 years of industry experience. Her prior roles include periods at Triad Advisors, Inc., Resources Investment Advisors, Inc., and LPL Financial. Spanier is involved with Teros Advisors, providing investment advice, financial planning, and commission product sales. Cambridge Investment Research Advisors serves individual and institutional clients, including pension and charitable organizations, offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm manages a multi-billion dollar asset base and supports various account platforms and third-party advisers.

Juan Plascencia is a CFP® and holds a Series 66 license, with 10 years of industry experience. He has been with Wells Fargo Clearing since 2016. 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 offers both brokerage and advisory solutions supported by research and analytics from Wells Fargo Investment Institute.

Oliver Duda is a financial advisor with UBS Financial Services in Walnut Creek, CA, holding a Series 66 designation and 16 years of industry experience. He has been with UBS since 2016. Outside of his advisory work, he serves on the finance committee and board of directors for St. Mary of the Immaculate Conception School, where he is involved in budget review and fiscal planning. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining proprietary research with institutional trading capabilities to tailor plans based on clients’ goals and risk tolerances.

Matthew Peterson is a financial advisor with Cetera and holds a Series 66 designation. He has two years of industry experience and has worked at several firms including Mass Mutual Investors Services and Lenox Advisors. Outside of his financial services career, he has been involved in coaching youth water polo for the Contra Costa United Water Polo organization since 2017. Cetera Investment Advisers LLC is an SEC-registered firm serving a diverse client base that includes individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform allowing advisors to implement a range of portfolio strategies with discretionary and non-discretionary options, supported by a large network of over 10,000 advisors and substantial assets under management.

Rebekah Rogers is a Planning Consultant at Fidelity Investments, a position she has held since 2022. In this role, she partners with clients and their families to navigate the complexities of investing, focusing on building clear financial plans that align with clients' dreams, objectives, and concerns. She utilizes advanced technology and Fidelity's cost-efficient investment platform to support these plans. Prior to her current role, Rebekah served as an Investment Consultant at Fidelity Investments from 2019 to 2022. She also gained experience as a Financial Consultant and Business Development Specialist at TD Ameritrade in 2018 and 2019, respectively, and completed a Financial Administrative Internship at Fidelity Investments in 2016. She holds a California Insurance License.

James Lin is a financial advisor at RBC Capital Markets in Walnut Creek, CA, with 23 years of industry experience. He holds a Series 66 designation and has previously worked at City National Bank, Bank of America, N.A., and Merrill. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm provides various advisory programs with tailored portfolio management and financial planning services, utilizing a combination of in-house and third-party investment managers.

Ji Sung Chung is a financial advisor with Merrill in Castro Valley, CA, holding Series 63 and Series 66 licenses and possessing 22 years of industry experience. His career includes roles at Bank of America, Mass Mutual Investors Services, Massachusetts Mutual Life Insurance Company, and Metlife Securities, Inc. 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.

Joseph Estabillo is a financial advisor at Wells Fargo Clearing with six years of industry experience. He holds the Series 66 designation and has previously worked at JPMorgan Chase Bank, N.A. and Cuso Financial Services, LP. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm manages approximately $671 billion in assets and combines brokerage and advisory solutions supported by research from Wells Fargo Investment Institute.

Kory Altheide is a financial advisor at Wells Fargo Clearing with 24 years of industry experience. He holds the CFP® designation as well as Series 63 and Series 65 licenses. His prior experience includes six years at A. G. Edwards & Sons, Inc. before joining Wells Fargo Clearing in 2016. 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 research and analytics with brokerage and advisory solutions across a large platform of more than 14,000 advisors managing approximately $671 billion in assets.

Brian Mulholand is a financial advisor with J.P. Morgan Securities in Walnut Creek, CA. He holds Series 63 and Series 66 credentials and has 12 years of industry experience. His prior roles include positions at First Republic Investment Management, First Republic Securities, First Republic Bank, and Citibank NA. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. Their advisory process combines quantitative and qualitative research to deliver non-discretionary asset allocation advice, investment manager searches, and customized performance reporting.

Michelle Harvey is a financial advisor with UBS Financial Services in Castro Valley, CA, holding Series 63, 65, and 66 credentials and bringing 7 years of industry experience. Her prior roles include positions at Bank of America Private Bank, Union Bank MUFG, Wells Fargo Investments, and Morgan Stanley DW Inc. She serves as treasurer and board member for a youth swim team and is a board member of the Arthur M Jawad Education Fund for Saint Joseph Notre Dame High School. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, combining institutional trading capabilities with wealth management services and providing financial planning, portfolio management, and capital markets support through a large network of advisors.

Kayvon Magidi is a CFP® and holds a Series 66 license, with 18 years of experience in the financial services industry. He currently works at Morgan Stanley and previously spent 11 years at J.P. Morgan Securities. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm employs a structured planning process supported by firm-approved tools and serves clients through both direct and corporate financial planning agreements.

Nicole Badovinac is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 10 years of industry experience. She has worked at Cetera and its affiliated entities since 2019, with prior roles at Foresters Financial Services and a brief involvement with Nicks Lounge. Outside of her advisory work, she also works part-time as a shopper and delivery person for Shipt. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a variety of portfolio management and financial planning services, supporting advisors through access to affiliated and third-party managers and multiple program structures.

Aili Hua is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Chase Bank, Bank of America, and Merrill. Outside of finance, she was involved with Niji Restaurant for 25 years. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on non-discretionary asset allocation advice, investment manager searches, and customized performance reporting. The firm's advisory process uses centralized due diligence and combines quantitative and qualitative research, incorporating ESG criteria and broader derivatives capabilities.

Jason Vitucci is a CFP® professional with 29 years of experience in the financial services industry. He is currently with OSAIC Wealth, Inc. and has held previous roles at Cetera Advisors LLC and First Allied Advisory Services among others. Outside of advising, he serves on the board of the St. Isidore School Foundation, a nonprofit that raises funds to support families in need of tuition assistance. OSAIC Wealth serves a diverse client base including high-net-worth and non-HNW individuals, retirement plans, charities, and corporations. The firm employs a model-based asset allocation and portfolio optimization approach and offers a wide range of brokerage and advisory services through a multi-advisor platform.

Dara Rocchi is a financial advisor with LPL Financial in Danville, CA, holding Series 63 and Series 66 designations and 29 years of industry experience. His prior work includes roles at Fremont Bank since 2019 and Unionbanc Investment Services from 2016 to 2019. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, combining advisory services with a broad range of non-advisory financial activities.

Edmund Pan is a financial advisor with Ameriprise in Danville, CA, holding a Series 66 designation and 22 years of industry experience. He has been with Ameriprise and its affiliate since 2009. Outside of his advisory role, he is involved in real estate ownership focused on multi-family properties. Ameriprise provides retirement-income planning services targeted at individuals nearing or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver annual, non-discretionary recommendations through a centralized consulting team. As a large institutional firm, Ameriprise offers a broad range of advisory, brokerage, and insurance solutions typical for its category.

Veronica Wang is a financial advisor at UBS Financial Services with a Series 66 designation and five years of industry experience. She has worked at UBS since 2018 and has prior experience in the metal fabrication and restaurant industries. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining proprietary capital market research with model-based asset allocations. The firm provides a range of services including fee-based financial planning and portfolio management, operating with both wealth management and institutional trading capabilities.

John Nash is a financial advisor with Cetera who holds a Series 66 designation and has 26 years of industry experience. His prior roles include positions at Bank of America, Merrill, Sageview Advisory Group, and Cetera Advisor Networks. He is also CEO of a consulting business he founded in 2023. Cetera Investment Advisers LLC serves individual, corporate, charitable, and institutional clients through a nationwide network of independent advisors, offering a variety of portfolio management, financial planning, and retirement services. The firm utilizes a multi-manager platform with discretionary and non-discretionary options, managing over $256 billion in assets across more than 10,000 advisors.

Jeffrey Gustafik is a financial advisor with Wells Fargo Clearing holding Series 63 and Series 65 licenses and has 43 years of industry experience. His prior work includes roles at A. G. Edwards & Sons, Inc. and Wells Fargo Investments, LLC. He 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 manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by Wells Fargo Investment Institute research and third-party analytics.