Jennifer Loyer is a financial advisor at Ameriprise with 17 years of industry experience. She has held roles at Ameriprise Financial Services, Inc. since 2000 and continues to work at Ameriprise as of 2020. She holds Series 66 and Series 65 licenses. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a Premier Retirement Income service that provides detailed planning and ongoing advice focused on income sources and tax-aware withdrawal strategies for clients nearing or in retirement.

Diem Tran is a financial advisor with Morgan Stanley in Pleasanton, CA, holding Series 63 and Series 66 designations and 15 years of industry experience. He has been with Morgan Stanley since 2013 and currently works at Morgan Stanley Private Bank, N.A. since 2025. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutional clients. The firm’s financial planning services use structured discovery conversations and approved planning tools, managing approximately $2.74 trillion in client assets.

Dorothy Lee is a financial advisor at LPL Financial with 18 years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at National Planning Corporation. Her outside activities include roles related to fixed insurance products with Trilogy Financial Services and ACSIA Partners. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services with discretionary and non-discretionary management options supported by proprietary and third-party research.

Leon Augustine is a financial advisor with Cambridge Investment Research Advisors in Oakland, CA, holding a Series 66 designation and 19 years of industry experience. He has been with Cambridge Investment Research Advisors and Cambridge Investment Research, Inc. since 2016. Outside of advisory work, Augustine is involved in tax preparation services and operates an independent insurance agency. Cambridge Investment Research Advisors is a large SEC-registered firm that serves a diverse client base, including individual investors, pension plans, charitable organizations, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement advisory services through a network of independent Financial Professionals, utilizing a variety of portfolio management approaches and custodial platforms.

Jenna Byrd is a financial advisor with Mass Mutual Investors Services in Pleasanton, CA, holding a Series 66 designation and two years of industry experience. She has been with MML Investors Services, LLC since 2017 and has prior experience at MassMutual Life Insurance Company and MSI Financial Services. Mass Mutual Investors Services, LLC operates as a broker-dealer and SEC-registered investment adviser offering financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides collaborative, annual financial planning engagements using firm-approved tools and offers specialized services including divorce planning and employer-sponsored planning programs.

Irene Michael is a financial advisor at Morgan Stanley with 27 years of industry experience. She has been with Morgan Stanley since 2009 and holds a Series 66 designation. Outside of her advisory role, she owns the Lovers Point Inn hotel in Pacific Grove, CA. Morgan Stanley Wealth Management serves both individual and institutional clients, offering comprehensive financial planning and advisory programs supported by firm-approved planning tools and resources.

Asha Mendes is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and six years of industry experience. She has worked at Wells Fargo Bank, N.A. since 2016 and Wells Fargo Clearing since 2019. In addition to her advisory role, Mendes is a commissioned notary public in California. 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 investment approach is IPS-driven and incorporates modern portfolio theory, with notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

William Blick is a Wealth Management Advisor with Merrill Lynch Wealth Management. He specializes in family wealth management strategies, legacy planning, philanthropic planning, tax minimization, and retirement income. His role focuses on guiding clients towards their families' financial goals. He holds a Bachelor's Degree from Colgate University. William has earned professional designations including Certified Private Wealth Advisor (CPWA), Chartered Advisor in Philanthropy (CAP), Certified Exit Planning Advisor (CEPA), and Retirement Management Advisor (RMA). These credentials support his comprehensive approach to wealth management, integrating advanced strategies in retirement, philanthropy, and business exit planning. William is involved in several community activities, including serving with the Lazerex Cancer Foundation and coaching youth sports such as lacrosse and at St. Isidore School. He has held leadership roles as the former Board Chair of The Athenian School and as a former Trustee of the ValleyCare Hospital Foundation. He resides in Danville, California with his wife Marilyn and their two daughters.

Nick Antonio is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2010. He has 28 years of experience in the financial services industry, working with wealthy families to develop customized financial plans aimed at wealth accumulation and distribution. His approach emphasizes education, proper planning, and disciplined money management to help clients pursue their financial goals. Prior to his current role, Nick worked as a Senior Wealth Strategy Associate at UBS Financial Services from 2005 to 2010, an Investment Consultant at TD Waterhouse from 2004 to 2005, and a Financial Advisor at Salomon Smith Barney from 1998 to 2002. He holds a California Insurance License. Outside of his professional work, Nick has interests in beach activities, family activities, fitness, and motorcycles.

Esfandiar Zartoshty is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 10 years of industry experience. He previously worked at Mass Mutual Pacific from 2017 to 2023 and Vector Insurance from 2009 to 2017. 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, and retirement consulting, utilizing model portfolios and research from LPL Research and third-party subadvisors.

Michael McGrath is a CFP® with 28 years of industry experience, currently serving at Wells Fargo Clearing since 2016. He previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, he acts as a trustee for a family trust. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment services. The firm’s process is IPS-driven and includes a range of financial products such as insurance-related vehicles and bank deposit sweep options.

Karen Goodwin is a financial advisor with Ameriprise in Pleasanton, CA, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. She has been with Ameriprise and its affiliates since 2012. Ameriprise Financial Services is a large advisory firm serving both individual and institutional clients, offering a Premier Retirement Income service that provides written retirement-income recommendations and ongoing planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Edwin Galindo is a financial advisor with Merrill in Pleasanton, CA, holding a Series 66 designation and with 7 years of industry experience. He has been with Merrill since 2002. Outside of advising, Galindo serves as a consultant for University and Student Services and is the owner and operator of a martial arts gym in Hayward, California. 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.

Avery Tannenbaum is a financial advisor with OSAIC in San Ramon, CA, holding a Series 66 designation and one year of industry experience. His work history includes roles at OSAIC Wealth, Equitable Advisors, Ascend Financial Group, and prior experience with CMG/Diversified Mortgage Group and Seattle University. OSAIC Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a range of advisory and brokerage services and employs advanced asset-allocation tools and third-party managers to construct and manage portfolios.

Scott Morris is a CFP® professional with 19 years of experience in the financial services industry. He currently serves as an advisor at OSAIC and previously worked for 18 years at Lincoln Financial Advisors. In addition to his advisory role, he offers fixed and indexed annuities as well as traditional life insurance. OSAIC Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, utilizing a variety of asset-allocation tools and investment platforms to manage portfolios across multiple asset classes.

Daschel Grammer is a CFP® professional with seven years of industry experience, currently affiliated with Raymond James Financial in San Ramon, CA. He has held positions at firms including Summit Financial Group and Securian Financial Services Inc. Grammer serves as an independent contractor at Summit Financial Group through Raymond James. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individual, institutional, and charitable clients. The firm emphasizes tailored, non-discretionary planning and analytical tools to support client goals and maintains specialized offerings such as municipal advisory services and SIMPLE IRA Employer Advisory programs.

Andy Hawkey is a financial advisor with Osaic who holds the CFP® designation and has 35 years of industry experience. He has been with Osaic since 2002 and has also worked at Pim Financial Services, Inc. since 1990. Outside of advisory work, he is licensed as a life insurance agent and collaborates with third-party specialists on insurance and annuity strategies. Osaic Wealth, Inc. serves a diverse range of retail and institutional clients through a network of affiliated advisors and offers integrated brokerage, investment advisory, and financial planning services. The firm employs asset-allocation tools, risk-tolerance assessments, and automated rebalancing to construct portfolios that include various asset classes and supports both discretionary and non-discretionary account management.

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. He has worked at Bank of America and Merrill since 2010. Outside of his advisory role, he owns a vacation condo at Seascape Resort. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management and offers a broad range of products and services supported by proprietary research and trading platforms.

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.