Isabel Flowers is a financial advisor at Fidelity with a Series 66 credential and one year of industry experience. Her prior work includes roles at BMO Bank, Macy's Inc., Qless, and Ismocol S.A. She is based in Walnut Creek, California. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage a range of portfolios, and holds distinct regulatory registrations uncommon among large institutional peers.

Calvin Hong is a financial advisor with Merrill in Walnut Creek, CA, holding a Series 66 designation and eight years of industry experience. He has been affiliated with both Merrill and Bank of America, N.A. since 2013. 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, and various institutional investors.

Manija Rasouli is a financial advisor at Merrill with eight years of industry experience. She holds Series 63 and Series 66 designations and previously worked at Citigroup and CitiBank. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services for 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 and profit-sharing plans, corporations, and charitable organizations.

Jasmine Murakami is a CFP®-certified financial advisor with 19 years of industry experience. She is currently with Morgan Stanley Smith Barney LLC and has held positions at RBC Capital Markets, Merrill, Morgan Stanley, and Citigroup Global Markets. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a wide range of advisory programs and financial planning services.

Ashot Minasyan is a financial advisor at Equitable Advisors with nine years of industry experience. He holds the Series 66 designation and has been with Equitable Advisors since 2017, including prior experience at Axa-Advisors, LLC. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations, offering financial planning, retirement plan consulting, and various asset-management programs. The firm’s approach involves assessing client information and risk tolerance to match clients with advisory models and discretionary managers, utilizing both proprietary and third-party solutions.

Daniel Mckinney is a financial advisor at Morgan Stanley with 17 years of industry experience. He holds the Series 66 and Series 65 designations. His career includes multiple periods at Morgan Stanley since 2015 and a brief tenure at Merrill in 2017. Outside of advising, he is involved in rental property investment in Hawaii. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm employs a structured planning process supported by proprietary tools and manages approximately $2.74 trillion in client assets.

Pema Tenzin is a financial advisor at Wells Fargo Clearing with 10 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Wells Fargo Bank since 2009. 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.

Joshua Villalta is a financial advisor with Charles Schwab in Walnut Creek, CA, holding Series 63 and Series 66 licenses and seven years of industry experience. Prior to Schwab, he worked at Wells Fargo and J.P. Morgan Securities. In addition to his advisory roles, he was briefly involved with Danville Brewing in 2021. 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, combining non-discretionary advisory with access to discretionary separately managed accounts and a formal alternative investment process.

Wade Cheatham is a financial advisor at Charles Schwab with 18 years of industry experience. He holds CFP®, Series 63, and Series 66 designations. Wade has worked at Charles Schwab since 2007 and was previously employed at Charles Schwab Bank from 2011 to 2018. 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 a multi-asset investment approach supported by centralized custody and operational infrastructure.

Madeline Jay is a financial advisor at Cetera with 42 years of industry experience. She holds the ChFC® designation along with Series 63 and Series 65 licenses. Prior to joining Cetera in 2021, she worked at VOYA Financial Advisors from 2014 to 2021. Jay is also an independent insurance agent with a business dedicated to the sales and service of fixed insurance products. Cetera Investment Advisers LLC is an SEC-registered firm serving individual investors, retirement plans, corporations, charitable clients, and institutions. The firm offers a range of services including portfolio management, financial planning, and access to third-party money managers, operating a multi-manager platform with over 10,000 advisors and more than $256 billion in assets under management.

Karl Von Brockdorff is a financial advisor with Ameriprise, holding a Series 66 designation and 21 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Ameriprise provides retirement-income planning services primarily for clients with significant investable assets, combining research, modeling, and tax-efficiency analysis in its approach. The firm offers a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Chanda Leger is a financial advisor with Merrill, holding a Series 66 designation and 11 years of industry experience. She has worked at Merrill since 2013, with a brief tenure at Bofa Securities, Inc. in 2019. She serves on the Business School Advisory Council at Linfield University and is a member of the Court Sports Committee at Diablo Country Club. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for a range of individual and institutional investors.

Patricia Casentini is a financial advisor at Morgan Stanley with 34 years of industry experience. She holds a Series 63 designation and previously worked at First Republic Securities Company, LLC for 10 years. Casentini is based in Walnut Creek, CA. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process utilizes structured discovery conversations and advanced modeling tools but does not include individual security recommendations as part of standalone financial plans.

Emerald Bonansea is a Series 66-licensed financial advisor with seven years of industry experience. She has been with Mass Mutual Investors Services and MassMutual Life Insurance Company since 2019, with prior roles at MSI Financial Services, Inc. and MetLife Securities, Inc. Her current practice is based in Walnut Creek, California. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers ongoing financial planning, asset management, and educational seminars, using firm-approved software and collaborative client relationships to develop investment strategies.

Theodore Simos is a financial advisor with RBC Capital Markets in Walnut Creek, CA, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. His prior roles include positions at Merrill, Bank of America, and City National Bank. He serves on the board of The Good Shepherd Fund, an organization providing guardianship and trustee services for individuals with special needs and developmental disabilities. RBC Wealth Management, a division of RBC Capital Markets, offers a range of advisory programs to individual and institutional clients, utilizing both in-house and third-party investment managers to tailor strategies based on clients’ risk profiles.

Luke Bohuslav is a financial advisor with Morgan Stanley in Walnut Creek, CA, holding a Series 66 designation and five years of industry experience. Before joining Morgan Stanley Smith Barney LLC in 2019, he worked at PitchBook Data, Inc. from 2017 to 2021 and also had involvement with Kinder's BBQ in 2017. Outside of his financial career, he assists individuals with tennis practice. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to both individuals and institutional clients, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs firm-approved tools to model outcomes, with services delivered primarily in an advisory capacity.

Robert Carmichael is a financial advisor with RBC Capital Markets in Walnut Creek, CA. He holds the Series 66 designation and has six years of industry experience, including roles at Costco Wholesale and Mountain Mikes Pizza prior to joining RBC. He attended Sonoma State University from 2016 to 2020. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base ranging from individual investors to institutional clients. The firm offers multiple advisory programs with customizable investment strategies implemented through a combination of in-house and third-party managers, along with a range of portfolio administration options.

Jose Jimenez is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and 11 years of industry experience. He previously worked at Bank of America N.A. and Merrill from 2012 to 2022 before joining J.P. Morgan Securities in 2022. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative screens and qualitative research to build model asset allocations and incorporates ESG eligibility frameworks where applicable.

Stephen Krochmal Jr. is a financial advisor at Wells Fargo Clearing with 33 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Wells Fargo Clearing since 2019, following a five-year tenure at Ameriprise Financial Services. He teaches retirement planning topics at Bio-Rad and serves on the finance committee for Save Mount Diablo. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, retirement plan consulting, and brokerage solutions to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and combines proprietary research with diversified investment approaches.

Cyle Sherman is a financial advisor with Morgan Stanley in Walnut Creek, CA, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2009 and Morgan Stanley Private Bank, N.A. since 2015. Outside of his advisory role, he is a sole proprietor involved in a rental property business in Truckee, California. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs and financial planning services that utilize structured discovery conversations and firm-approved tools.