Rachel Braswell is a financial advisor at Edward Jones with 12 years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at Wells Fargo Clearing, JP Morgan Chase Bank, Merrill, and Bank of America. Outside of her financial career, she has provided in-home supportive care for a family member with a disability. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including both non-high-net-worth and high-net-worth households. The firm offers a range of advisory programs and investment solutions supported by a large network of financial advisors and operates under a fiduciary standard.

Shayan Shamsi is a financial advisor at Fidelity with four years of industry experience. He holds the Series 66 designation and has worked at firms including Morgan Stanley, Bank of America, and Northwestern Mutual. Shamsi is based in Oakland, CA. Fidelity’s Strategic Advisers LLC 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 proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios comprising mutual funds, ETFs, and ETPs.

Riky Hanan is a financial advisor with Ameriprise in San Ramon, CA, holding a Series 66 designation and 27 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement who meet specific asset criteria, providing written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary advice through a centralized consulting team.

Claudia Thompson is a financial advisor at Morgan Stanley with 35 years of industry experience. She holds Series 63, Series 65, and Series 66 licenses. Prior to joining Morgan Stanley Smith Barney LLC in 2025, she worked at Merrill for 21 years. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs, including tailored financial planning supported by advanced tools and research from its Global Investment Committee.

Suleiman Samandar is a financial advisor at J.P. Morgan Securities with 16 years of industry experience. He holds Series 63 and Series 65 licenses. His prior experience includes roles at BlackRock and LendingClub. 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 team of Wealth Advisors. The firm delivers these services on a non-discretionary basis alongside affiliated brokerage and investment management capabilities.

Mark Krauth is a financial advisor at Ameriprise with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Ameriprise and its affiliates since 2009. Krauth serves on the Board of Directors and the Hope Foundation Committee of Hope Lutheran Church. Ameriprise offers retirement-income planning services primarily for clients with substantial investable assets, combining research-driven modeling and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Steve Loftin is a financial advisor with Osaic who holds Series 63 and Series 65 licenses and has 34 years of industry experience. He has been with Osaic since 2023 and also works at SagePoint Financial, where he has served since 2009. Additionally, he manages client accounts through his sole proprietorship and LLC registered investment advisory businesses. Osaic Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, employing various asset-allocation tools and third-party solutions to construct diversified portfolios.

Elena Richey is a financial advisor at Thrivent Investment Management with Series 66 credentials and one year of industry experience. Prior to her current role, she has held various positions including private nanny and work at Hackbright Academy. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, focusing on holistic, goal-based financial planning without discretionary trading authority. The firm offers both one-time and ongoing planning engagements and integrates planning with managed-account programs under a consolidated billing option called “WealthPlan.”

Sean Mullen is a financial advisor at LPL Financial with 11 years of industry experience. He holds the Series 66 designation and has been with LPL Financial since 2014. He is also associated with Linsco/Private Ledger Corp. and PRIMED, where he has maintained roles since 2014 and 2008, respectively. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting a wide range of strategies implemented by its network of investment adviser representatives.

Richard Sullivan is a financial advisor with MassMutual Investors Services in Walnut Creek, CA, holding a Series 66 designation and 43 years of industry experience. He has been with MassMutual Life Insurance Company and MML Investors Services, Inc. since 1996. In addition to his advisory role, he works as a life and health insurance agent. MassMutual Investors Services, LLC is 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 uses firm-approved software and collaborative annual planning to provide tailored recommendations across various investment categories.

Cindy Lee is a financial advisor at Morgan Stanley with 24 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, Bank of America, and Merrill. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools such as Monte Carlo simulations and Secular Return Estimates in its advisory process.

Tillman Pugh is a financial advisor with Mass Mutual Investors Services in Walnut Creek, CA, holding Series 63 and Series 65 designations and over 40 years of industry experience. His career includes long tenures with Metlife Securities Inc. and United Resources Insurance Services. He has been with Mass Mutual Investors Services since 2017. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational programs, structuring advisory engagements as ongoing, collaborative relationships focused on client goals.

Zachary Van Blake is a financial advisor with Wells Fargo Clearing in Danville, CA, holding Series 63 and Series 66 licenses and 14 years of industry experience. He has been with Wells Fargo Clearing since 2016, following four years at WELLS FARGO Advisors. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services grounded in modern portfolio theory. The firm’s advisory process is IPS-driven and includes a broader set of financial product offerings than typical large institutional advisers, such as insurance-related vehicles and bank deposit sweep options.

Andrea Roth is a financial advisor with Wells Fargo Clearing in Danville, CA, holding a Series 66 designation and 16 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors from 2012 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven, incorporates modern portfolio theory, and includes a range of investment options such as insurance-related vehicles and bank deposit sweep programs.

Braden Watson is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. Prior to joining Fidelity, he held various roles including multiple positions at Pace University and six years with the Berkeley Unified School District. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, leveraging a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios including mutual funds, ETFs, and ETPs. The firm is noted for its use of systematic methodologies, AI-driven research, and its advisory role to multiple registered investment companies and fund-of-funds.

James Griffith is a financial advisor at Fidelity with 31 years of industry experience. He holds the Series 63 and Series 65 designations and has worked in various roles within Fidelity and its affiliates since 2015. 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 combines proprietary fundamental research with quantitative analysis and algorithmic portfolio construction to deliver model portfolios and specialized advisory services.

Nicholas Gomez is a financial advisor with LPL Financial in Concord, CA, holding a Series 66 credential and 16 years of industry experience. His prior experience includes roles at JP Morgan Securities, Bank of America, Merrill, and Newbridge Financial Services Group. He is also licensed as an insurance agent. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and asset management services through a large network of investment adviser representatives, employing various portfolio strategies and technology tools to support its advisors.

Charles Tyler is a financial advisor with Cambridge Investment Research Advisors, holding Series 63, 65, and 66 licenses and bringing 33 years of industry experience. He has been with Cambridge Investment Research Advisors and Cambridge Investment Research, Inc. since 2006 and also serves as Chief Investment Officer at Capital Planning Partners, a role he has held since 2002. In addition to his advisory work, he operates as an independent insurance agent. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, retirement plan advisory, and financial-wellness services through a network of independent professionals, utilizing both proprietary and third-party strategies across multiple platforms.

Joyce Howell is a financial advisor at Cetera with 38 years of industry experience. She holds Series 63 and Series 65 credentials and has been with Cetera and its affiliates since 2012. Outside of her advisory role, Howell provides retirement lifestyle coaching and serves as an estate plan consultant, gathering data for estate plan documents to be forwarded to attorneys. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, retirement plans, corporate, charitable, and institutional clients through a large nationwide network of independent advisors. The firm offers discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers through various program structures and custodial relationships.

Michelle Phradichith is a financial advisor at Charles Schwab with eight years of industry experience. She holds Series 63 and Series 66 designations and has worked at Charles Schwab since 2025, following several years at Fidelity Investments and other firms. 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 blend of non-discretionary and discretionary investment options supported by centralized operations and a formal alternative-investment process.