Brett Williams is a financial advisor with LPL Financial based in Livermore, CA, holding a Series 66 designation and 21 years of industry experience. He has worked at LPL Financial since 2023 and previously spent over 17 years with American Investors Company. Williams also operates Williams Estate Planning, a business he has maintained since 2013. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm offers diverse advisory programs, retirement plan consulting, and brokerage services, utilizing model portfolios, third-party subadvisors, and various technologies to support its investment strategies.

Barbara Jolliffe is a CFP®-certified financial advisor with 45 years of industry experience. She is currently affiliated with OSAIC and has held prior roles at Securities America Advisors, National Planning Corporation, and Royal Alliance Associates. Outside of her advisory work, she is involved in tax preparation and consulting through Jolliffe Enterprises. OSAIC serves a wide range of retail and institutional clients, including high-net-worth individuals, pension plans, corporations, and charities, offering integrated brokerage, advisory services, and access to third-party money managers. The firm employs a variety of asset-allocation tools and manages portfolios across multiple asset classes on both discretionary and non-discretionary bases.

Aaron Hudson is a Wealth Management Advisor with Merrill Lynch Wealth Management. He focuses on assisting corporate executives with strategies for concentrated stock positions, restricted stock transactions, and liquidity events. Aaron also works with non-profit organizations and families, offering tailored wealth management strategies that align with specific client objectives. Before joining Merrill Lynch Wealth Management in 2019, Aaron worked as a client service associate at Morgan Stanley. His professional approach emphasizes attentive and accessible service, aiming to build long-lasting client relationships through careful listening and understanding of each client's financial goals. His areas of focus include corporate executive services, divorce transition planning, executive compensation, equity compensation services, services for endowments, foundations, and non-profits, investment consulting for defined contribution plans, sports and entertainment, and tax minimization. Aaron earned a Bachelor's Degree from the University of California system and completed an Accredited Certificate Program from the American College of Financial Services. He has professional designations including Chartered Financial Consultant (ChFC), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Outside of work, Aaron enjoys baseball, basketball, boxing, football, golfing, music, photography, and spending time with his family.

Nicole Lai is a financial advisor at Morgan Stanley Wealth Management in Orinda, California, holding a Series 66 designation with 14 years of industry experience. She has worked at Morgan Stanley since 2016 and previously at UBS. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a variety of advisory programs to both individual and institutional clients. The firm provides tailored financial planning and manages approximately $2.74 trillion in client assets through structured planning processes and broad retail and institutional services.

Joshua Park is a Series 66 licensed financial advisor with seven years of industry experience. He currently works at J.P. Morgan Securities and has prior experience at Bank of America, Merrill, and Fidelity Brokerage Services. Outside of finance, he has been involved with I.S. Kim's Martial Arts. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a process that combines quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

Patrick Sinclair is a financial advisor at Stifel with 45 years of industry experience. He has been with Stifel Nicolaus & Co. Inc. since 2009. Sinclair holds the Series 63 and Series 65 designations and is based in Walnut Creek, California. Stifel serves a broad range of clients including individuals, institutional investors, charitable organizations, and municipal entities, offering brokerage and investment advisory services supported by proprietary investment analysis and allocation methodologies developed by its Investment Strategy Group.

Freddie Vidrio is a Financial Consultant at Fidelity Investments, a position he has held since 2018. He has accumulated 26 years of experience in the financial services industry, with extensive expertise in complex guidance and in-depth retirement planning. Prior to his current role, Mr. Vidrio served as an Investment Consultant at Fidelity Investments from 2012 to 2018. His career includes roles as Vice President Financial Advisor at J.P. Morgan Securities LLC from 2012 to 2013 and at Chase Investment Services Corp from 2010 to 2012. Additional experience includes serving as Financial Advisor at CUNA Brokerage Services, Inc. from 2009 to 2010 and U.S. Bancorp Investments, Inc. from 2003 to 2009. Earlier in his career, he worked as a Personal Banker at US Bank and as a Teller at Bay View Bank. Mr. Vidrio holds a California Insurance License.

Ron Silva is a CFP® professional with 32 years of industry experience, currently affiliated with LPL Financial since 2013. He operates Silva Financial Planning Services in connection with his LPL business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients including individuals, retirement plans, institutions, and charitable organizations through its national network of investment adviser representatives. The firm provides financial planning, various advisory programs, and retirement plan consulting, offering both discretionary and non-discretionary management supported by research and model portfolios.

Christine Meyer is a financial advisor at Fidelity with five years of industry experience. She holds a Series 66 designation and has worked at Fidelity Investments since 2021, with prior roles at Merrill and Bank of America. Outside of her advisory role, she operates Beyond Bowls, reselling dough bowls at an outdoor marketplace in Danville, California. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, employing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver diversified model portfolios.

Chih Han Goh is a financial advisor with Merrill in San Leandro, CA, holding a Series 66 designation and eight years of industry experience. He has been with Merrill and Bank of America since 2016. Outside of his advisory role, he serves as Deputy Principal at Fremont Chinese School, a weekend language school in Fremont, 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 offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Robert Knoll Jr. is a financial advisor at Equitable Advisors in Walnut Creek, CA, holding Series 65 and Series 63 credentials with three years of industry experience. His prior roles include positions at Northwestern Mutual and Morgan Stanley, as well as experience in the restaurant industry. He serves as a board member of the University of Oregon Alumni Association. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, institutions, and charitable organizations. The firm’s approach involves matching clients to model portfolios or discretionary managers through both proprietary and third-party programs, offering a range of investment options including mutual funds, ETFs, and select alternative investments.

Michael Khaw is a Wealth Management Advisor at Merrill Lynch Wealth Management with 23 years of experience in wealth planning. He assists clients with wealth accumulation and distribution, focusing on tax efficiency to enhance return on investments. His areas of expertise include family wealth management strategies, liquidity management, managing new wealth, personal retirement planning, portfolio management services, socially responsible and ESG investing, tax minimization, and retirement income. Michael holds a Bachelor of Science degree from San Diego State University, where he majored in Biology and minored in Finance. He is a Chartered Financial Analyst® (CFA) charterholder and a CERTIFIED FINANCIAL PLANNER® (CFP) professional. He is also a Personal Investment Advisor (PIA). Michael has been married for 28 years to his wife Jennifer, who holds a PhD in Clinical Social Work and is an adjunct professor. They have two daughters, Lauryn, who began attending Duke Law in Fall 2022, and Jessica, who is a sophomore at the University of California, Santa Barbara. Michael and his wife are adjusting to life as empty nesters and enjoy traveling. He also has personal interests in biking, billiards, chess, hiking, racquetball, woodworking, yoga, and recently started playing pickleball and bocce.

Maria Dominguez is a financial advisor at Wells Fargo Clearing with 4 years of industry experience. She holds the Series 66 designation and has been with Wells Fargo Clearing since 2021, having worked concurrently at Wells Fargo Bank, N.A. since 2003. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering a range of services including investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, acting as an ERISA fiduciary when providing investment advice, and includes a discretionary 3(38) investment management option for clients who delegate authority.

Travis Tam is a CFP® professional with 21 years of industry experience, currently affiliated with Wells Fargo Clearing since 2016. He previously worked at Wells Fargo Advisors LLC. Travis 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 provides both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Monu Ahluwalia is a financial advisor at J.P. Morgan Securities with 20 years of industry experience. He has worked at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2009. He holds Series 63 and Series 66 designations. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. As a subsidiary of J.P. Morgan, the firm delivers advisory services alongside affiliated brokerage and investment management capabilities.

Chelsie Lui is a financial advisor at Fidelity with one year of industry experience and holds a Series 66 designation. Her prior work experience includes roles at Meta, Louis Vuitton, and Hanover Walnut Creek. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a process that combines fundamental research with quantitative analysis and algorithmic portfolio construction. The firm offers a range of services including discretionary portfolio management, fund advisory, and model portfolio delivery, with oversight controls and the use of advanced methodologies such as AI in research.

Ian Epstein is a financial advisor at Fisher Investments with 22 years of industry experience. He holds the Series 65 designation and has been with Fisher Investments since 2004. Fisher Investments serves a global mix of institutional and private clients, including pension plans, foundations, and high-net-worth individuals, providing discretionary portfolio management across various asset classes. The firm uses a centralized investment process combining quantitative and qualitative research to construct diversified portfolios and offers sub-advisory and retirement plan services.

Jing Yang Guo is a financial advisor at Charles Schwab with 21 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at Charles Schwab and Charles Schwab Bank since 2010. Outside of his advisory role, he owns a rental property in Peoria, Arizona. 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, offering multi-asset model portfolios alongside alternative investment options.

Mick Rognlien has served as a Wealth Management Advisor at Merrill Lynch Wealth Management in Walnut Creek, California since 2011. In this role, he focuses on collaborating with individuals and families who are growing their wealth and managing demanding careers. Mick assists clients in achieving their financial goals through transparent and purposeful communication, offering services such as personal retirement planning, portfolio management, and tax minimization. Mick began his career in Financial Services in 1998. He holds the CERTIFIED FINANCIAL PLANNER (CFP) designation, the Chartered Retirement Planning Counselor (CRPC) credential, and is a Personal Investment Advisor (PIA). He earned a Bachelor's degree from San Diego State University and a Master's degree from Saint Mary's College of California. Outside of his professional work, Mick is involved in youth coaching and engages in various outdoor activities including biking, hiking, and adventure sports. He resides in the East Bay with his wife and two sons.

Hana Redzic is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. She has worked at Bank of America, N.A. since 2022 and joined Merrill in 2020. Outside of financial advising, she owns a photography and social media business called Maass Photography. 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 offers a range of model-based and discretionary strategies and serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.