Griffin Barash is a financial advisor with OSAIC in San Rafael, CA, holding Series 63 and Series 66 credentials and 20 years of industry experience. He worked at Woodbury Financial Services, Inc for 12 years before joining OSAIC in 2024. Barash also owns a sole proprietorship focused on fixed insurance research and sales. OSAIC serves a diverse client base including individual and high-net-worth investors, retirement plans, and corporations, offering integrated brokerage, advisory services, and access to third-party investment platforms. The firm utilizes asset-allocation tools and automated rebalancing to manage portfolios across various asset classes on both discretionary and non-discretionary bases.

Fay Clinton is a financial advisor at Wells Fargo Clearing with 19 years of industry experience. She holds a Series 63 designation and has been with Wells Fargo Clearing since 2016, following three years at WELLS FARGO Advisors, LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and grounded in modern portfolio theory, incorporating a broad range of financial products including insurance-related vehicles and bank deposit sweep options.

Morgan Hathaway is a financial advisor with Ameriprise in Walnut Creek, CA. He holds a Series 66 designation and has been with Ameriprise since 2022. Prior to joining the firm, he worked in tutoring and caregiving roles and was a student at UC Davis and Diablo Valley College. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement income planning advice based on proprietary research and third-party data.

Cristofer Lopez Vargas is a CFP® certificant with four years of industry experience. He is currently with Charles Schwab in Corte Madera, CA, having held positions at Fidelity Investments and J.P. Morgan Securities LLC among others. 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 offers both non-discretionary advice and access to discretionary separately managed accounts, supported by multi-asset model portfolios and research from the Schwab Center for Financial Research.

Denise Easterby is a financial advisor with Charles Schwab in Corte Madera, CA, holding Series 63 and Series 66 credentials and six years of industry experience. Her prior roles include positions at TD Ameritrade, Principal Securities Inc., and law offices specializing in legal services. She previously worked at Principal Life Insurance, where she continues to receive residuals from former insurance product engagements. Charles Schwab 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 offers a combination of non-discretionary advisory relationships and access to affiliated discretionary separately managed accounts, supported by multi-asset model portfolios and centralized operational infrastructure.

Mark Brown is a financial advisor at Merrill with 39 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Merrill since 2009 and Bank of America, N.A. since 2011. Outside of his advisory role, Brown serves as an advisory board member for the Walnut Creek Library Foundation and as president of the Walnut Creek Historical Society, where he coordinates local history education and community events. Merrill, along 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 institutions.

Perry A. Novak is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. He has been with Wells Fargo Clearing since 2016, following a brief tenure at Wells Fargo Advisors, LLC. 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 from Wells Fargo Investment Institute and third-party analytics.

Jennifer Schneidermann is a financial advisor at Morgan Stanley with 23 years of industry experience. She holds the Series 63 and Series 65 credentials and has worked at Morgan Stanley Private Bank, National Association since 2015 and at Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a variety of advisory programs to individual and institutional clients, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and investment modeling.

Matthew Ware is a financial advisor with Morgan Stanley in Walnut Creek, CA, holding Series 63 and Series 65 designations and possessing 22 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2009. Outside of his advisory role, he manages rental property in Antioch, California. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm employs structured planning tools and broad investment capabilities, managing approximately $2.74 trillion in client assets.

Kenneth Chan is a financial advisor with Wells Fargo Clearing in Walnut Creek, CA, holding Series 63 and Series 65 registrations and 43 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Advisors is a 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 utilizes research from Wells Fargo Investment Institute and third-party sources to support its investment strategies.

Andres Rodriguez is a financial advisor at Charles Schwab with two years of industry experience. He holds a Series 66 designation and has worked at Charles Schwab in various capacities since 2022. Prior to his current role, his work history includes positions in education and hospitality sectors. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers a structured investment approach supported by research and due diligence.

Pamela Regatuso is a financial advisor at Fidelity with 10 years of industry experience. She holds Series 66 and Series 63 credentials and previously operated her own fiduciary advisory firm for 11 years before joining Fidelity. She has worked at Fidelity Investments since 2022. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios and oversees delegated management with attention to conflicts of interest.

Linh Le is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 20 years of industry experience. She has worked with Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2011 to 2016. Outside of her advisory role, Linh assists elderly individuals through her work with Santa Clara In Home Support Services. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory options based on an IPS-driven process grounded in modern portfolio theory. The firm’s services include investment policy statement preparation, performance reporting, participant education, and plan benchmarking, with a notable inclusion of insurance-related investment vehicles and bank deposit sweep options.

Mariah Lininger is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. Her previous roles include work with the County of Yolo District 4 County Supervisor's Office and various positions at the University of California, Davis, and Feather River College. 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 institutional investors.

Nicholas Tarrab is a financial advisor with UBS Financial Services in Walnut Creek, CA, holding a Series 66 designation and 21 years of industry experience. He has been with UBS Financial since 2004. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services such as fee-based financial planning and discretionary portfolio management.

Raymundo Othon Galvez is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. He holds Series 66 and Series 63 licenses and has worked at JPMorgan Chase Bank, N.A., and J.P. Morgan Securities since 2016. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

David Spencer is a financial advisor at LPL Financial with 18 years of industry experience. He holds the ChFC® designation and Series 66 license. His prior experience includes roles at Merrill Lynch and Bank of America. Outside of his advisory work, he is involved with Broadway Endeavor, LLC, a real estate rental business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs and financial planning services, utilizing various model portfolios and research resources.

Jackson Joyce is a Financial Consultant at Fidelity Investments, where he has been serving since 2023. In this role, he collaborates closely with clients to analyze their portfolios and assist them in making informed financial decisions aligned with their life and family goals. Jackson's experience at Fidelity Investments spans several roles, including Investment Consultant (2022-2023), Planning Consultant (2021-2022), and Financial Representative (2020-2021). This progression reflects his ongoing commitment to supporting clients in their financial planning and investment needs. He holds a California Insurance License, which complements his financial advisory capabilities.

John Greiten is a financial advisor with Ameriprise in Martinez, CA, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement who meet certain asset thresholds, delivering written recommendations that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm uses a combination of research, modeling, and algorithmic tools overseen by a dedicated consulting team to support its advisory process.

Louis Hudson is a financial advisor at Charles Schwab with 25 years of industry experience. He holds Series 63, 65, and 66 credentials and has previously worked at Morgan Stanley and E*TRADE. Charles Schwab 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, offering a combination of non-discretionary and discretionary investment solutions supported by a multi-asset model portfolio approach.