Theodore Tellefsen is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and having 26 years of industry experience. He has been with J.P. Morgan since 2019, following prior roles at Lincoln Financial Advisors Corporation and Aerotek. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm operates with a non-discretionary approach, combining institutional advisory services with brokerage and investment management capabilities.

Oswaldo Hernandez is a financial advisor with Morgan Stanley in Walnut Creek, CA, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. Prior to joining Morgan Stanley, he worked at E*TRADE Capital Management LLC and E*TRADE Securities LLC for several years, as well as OptionsHouse. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by firm-approved tools and models, with approximately $2.74 trillion in client assets under management.

Abby Honerkamp is a Series 66-registered financial advisor with Charles Schwab in Berkeley, California, and has 17 years of industry experience. She has been with Charles Schwab since 2012. 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 multi-asset model portfolios supported by research from the Schwab Center for Financial Research.

Charles Zheng is a financial advisor at Wells Fargo Clearing with 17 years of industry experience. He holds a Series 66 designation and has been with Wells Fargo Clearing since 2016, following a one-year tenure at Wells Fargo Advisors, LLC. Outside of his advisory work, he owns and operates Lighthouse World Collectibles LLC, a business focused on buying and selling sports collectibles. 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 services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable emphasis on including insurance-related vehicles and bank deposit sweep options in its investment offerings.

Philip Curran is a CFP®-certified financial advisor with 34 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors, LLC from 2013 to 2016. Wells Fargo Clearing specializes in retirement plan consulting for qualified ERISA plans and non-qualified deferred compensation plans, providing both discretionary and non-discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and offers a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Roderick Webb is a financial advisor with Morgan Stanley in Walnut Creek, CA, holding Series 63 and Series 65 credentials and 27 years of industry experience. Prior to joining Morgan Stanley Smith Barney LLC in 2023, he worked at E*TRADE Capital Management and E*Trade Securities from 2015 to 2023. Outside of finance, he owns NOLA Music Studios, a recording studio in South San Francisco. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs and tailored financial planning services supported by structured discovery and firm-approved planning tools.

Christina Pacheco is a financial advisor with Cetera, holding a Series 66 designation and bringing 10 years of industry experience. Her career has included various roles within Cetera and related entities since 2015, as well as positions at LPL Financial and AssetMark Financial. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients through a large nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform that includes affiliated and third-party model portfolios and strategies.

Richard Strand is a Wealth Management Advisor at Merrill Lynch Wealth Management. He works with individuals, families, business owners, and foundations, providing customized financial and wealth management strategies. With over 25 years of experience, Richard focuses on helping clients attain their financial goals through personalized planning. His expertise covers all aspects of the wealth management process, including retirement planning, tax minimization, portfolio construction, liability management, and estate and asset preservation. Richard holds an MBA in Finance from St. Mary's College in Moraga and a bachelor's degree in Finance from California State University Chico. He has earned professional designations as a Certified Investment Management Analyst (CIMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Richard resides in Alamo, California, with his wife Erin and their three children. He is actively involved in the community and enjoys biking, golfing, music, and traveling.

Mallory Dinis is a financial advisor at Edelman Financial Engines with 13 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Edelman Financial Engines since 2026, following a decade at Financial Engines Advisors L.L.C. and a year at TMFS Advisors, LLC. Edelman Financial Engines provides technology-enabled investment advisory services focused on workplace retirement accounts, IRAs, taxable accounts, and institutional clients. The firm manages model-based and customized portfolios, offers sub-advisory services, and supports a large participant base through both advisor-led and online platforms.

Raymond Gibson is a Series 65-credentialed financial advisor with 38 years of industry experience. He has been with Equitable Advisors since 1999 and previously worked at Axa Advisors, LLC. Equitable Advisors serves individual investors across various wealth levels, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm operates a hybrid referral and implementation model that combines advisory and brokerage/insurance channels to deliver tailored client solutions.

Denise Erdem is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors, LLC from 2012 to 2016. Outside of her advisory role, she serves as a notary public in Clayton, CA. 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, with a broader range of financial products that includes insurance-related vehicles and bank deposit sweep options.

Chris Held is a financial advisor with LPL Financial in Walnut Creek, CA, holding CFP® and Series 66 credentials and bringing 22 years of industry experience. Prior to joining LPL Financial in 2019, he worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney from 2012 to 2019. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including 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 plan consulting, with access to model portfolios, research, and various investment and portfolio management strategies.

Louisa Sakkis is a financial advisor at Stifel with 21 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Stifel Nicolaus since 2011. Stifel serves a diverse client base, including individuals, institutional clients, and charitable organizations, offering both brokerage and investment advisory services. The firm’s investment approach utilizes a proprietary methodology developed by its Investment Strategy Group, focusing on forward-looking capital market assumptions and probabilistic modeling to guide asset allocation and planning.

Simon Knight is a Series 66-registered financial advisor with Edward Jones, based in Alamo, CA, and has one year of industry experience. He worked for Easter Seals Northern California/Catalight for ten years prior to joining Edward Jones. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment strategies supported by a nationwide network of more than 23,700 financial advisors.

James Carbonell is a financial advisor with RBC Capital Markets in Walnut Creek, CA, holding Series 63 and Series 65 licenses and 28 years of industry experience. His prior roles include positions at City National Bank and Wells Fargo Advisors. Outside of his advisory work, he is involved in youth lacrosse as a coach and sits on the board of a lacrosse club. RBC Wealth Management, a division of RBC Capital Markets, serves individual and institutional clients through a variety of advisory programs that offer customized portfolio management and financial planning services. The firm integrates in-house and third-party investment resources and offers features such as tax management, responsible investing options, and access to alternative investments.

Christopher West is a CFA® charterholder with 27 years of industry experience. He has been with Wells Fargo Clearing since 2016, following five years at Wells Fargo Advisors LLC. He holds Series 63 and Series 66 licenses and is based in Walnut Creek, CA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Alan Bynum is a financial advisor with Raymond James Financial, holding a Series 63 designation and 37 years of industry experience. He has worked at Raymond James since 1999 and also has roles with Borman Financial and California Pacific Medical Center. Outside of advisory duties, he is involved in managing Borman Wealth Management and serves as a trustee and executor for client trusts under specific conditions. Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, institutions, and charitable organizations. The firm offers tailored, non-discretionary planning using analytical tools and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

Daniel Baldwin is a financial advisor at Morgan Stanley with 29 years of industry experience. He has been associated with Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Baldwin holds Series 63 and Series 65 licenses. He serves as a board officer for the JV Bubby Baldwin Service and Conservation Foundation, a veteran organization based in Lafayette, California. Morgan Stanley Wealth Management provides advisory programs to individuals and institutions, focusing on tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools that incorporate market simulations and long-term return estimates.

Sylvana Youssef is a financial advisor at J.P. Morgan Securities with Series 66 and Series 63 licenses and one year of industry experience. Prior to joining J.P. Morgan Securities and JPMorgan Chase Bank, N.A., she worked at Bank of America for six years and has held various roles in banking and consulting. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm utilizes a combination of quantitative asset-allocation modeling, centralized due diligence, and an ESG eligibility framework to support its non-discretionary advisory services.

Kevin Zimmer is a financial advisor at LPL Financial with 33 years of industry experience. He has been with LPL Financial since 2008 and holds a Series 63 designation. LPL Financial is a registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a nationwide network. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, supported by model portfolios and research from multiple sources.