Louis Tousignant is a financial advisor with Morgan Stanley in Pleasanton, CA, holding Series 63 and Series 65 credentials and bringing 23 years of industry experience. His prior roles include positions at BNY Mellon Securities Corporation and AllianceBernstein Investments, Inc. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutions, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm uses structured planning tools and modeling techniques as part of its advisory services.

Bryan Zimmerling is a financial advisor at Thrivent Investment Management with five years of industry experience. He holds the Series 66 designation and has worked at Thrivent Financial since 2021. Prior to his current role, he held positions at Golden Malted and Gold Rush Distribution, as well as Frito Lay. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm emphasizes holistic, goal-based planning and offers clients the option to combine these planning services with managed accounts under a consolidated billing arrangement called “WealthPlan.”

Bassel Mansour is a financial advisor with OSAIC based in San Carlos, CA, holding Series 63 and Series 65 licenses and with 10 years of industry experience. He has worked at Royal Alliance Associates, INC. since 2018 and owns Golden Gate Mansour, a financial advising business he has operated since 2007. Mansour is also the owner of Golden Gate Financial & Insurance Solutions, a firm providing financial advising and fixed insurance products. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated advisers, offering brokerage and advisory services, financial planning, retirement consulting, and access to various managed account platforms. The firm employs asset-allocation tools, risk assessments, and automated rebalancing to construct diversified portfolios including stocks, bonds, options, mutual funds, ETFs, and alternative investments.

Kevin Maas is a financial advisor with Charles Schwab in Pleasanton, CA, holding a Series 66 credential and 19 years of industry experience. He has been involved with the Cal Baseball Foundation since 2014 and has a long-standing association with Pre-Paid Legal Services, Inc. since 2007. 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 a combination of non-discretionary advisory relationships and access to affiliated discretionary separately managed accounts, supported by multi-asset model portfolios and an alternative investments program.

Keith Virnoche is a Wealth Management Advisor and Senior Vice President at Merrill Lynch Wealth Management. He joined Merrill Lynch Wealth Management in 1984 and serves as a qualified Portfolio Manager. In his role, he provides traditional financial advice and guidance, while also building and managing personalized investment strategies that may include individual stocks and bonds, Merrill Lynch model portfolios, and third-party investment strategies. As a Portfolio Manager within the firm's Investment Advisory Program, he may manage strategies on a discretionary basis. Keith earned a Bachelor's degree from the University of Wisconsin, an MBA from the University of Evansville, Indiana, and a Master of Science in Financial Planning from Golden Gate University in San Francisco. He holds the CERTIFIED FINANCIAL PLANNER® (CFP®) and Chartered Retirement Planning Counselor™ (CRPC™) designations, maintaining both since 2004. He is a member of The Peninsula Golf and Country Club in San Mateo, California, and participates in community activities with Mills - Peninsula Health Services in Burlingame, California.

Brad Pyles is a Series 65-licensed financial advisor with Fisher Investments, where he has worked since 2001, bringing 22 years of industry experience. He serves as Vice President of Community Engagement for the Proctor Elementary School PTA Board. Fisher Investments provides discretionary portfolio management and advisory services to a diverse client base, including institutional investors and high-net-worth individuals, utilizing a centralized investment approach that combines quantitative and qualitative research to manage globally diversified portfolios.

Sanjay Dhar is a Series 66-licensed financial advisor with 17 years of industry experience. He is currently with Cetera and has previously worked at SagePoint Financial, OSAIC, and Bay Area Wealth Management Group. Outside of advising, he serves as a business consultant for a startup developing an options trading platform and is involved in the sales and service of fixed insurance products. Cetera Investment Advisers LLC is an SEC-registered firm serving a diverse client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a range of portfolio management and financial planning services, operating a multi-manager platform with model portfolios, third-party managers, and customizable strategies.

Ning Jiang is a financial advisor with Mass Mutual Investors Services and holds a Series 66 designation. Jiang has 10 years of industry experience, including roles at Mass Mutual Investors Services since 2017 and MetLife Securities from 2015 to 2017. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, employing collaborative, software-assisted planning processes without discretionary authority over client investments.

April Machado is a financial advisor at Morgan Stanley in Oakland, CA, with 17 years of industry experience. She has been with Morgan Stanley since 2014 and holds Series 63 and Series 66 licenses. Morgan Stanley Wealth Management serves individual and institutional clients with a variety of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and uses structured planning processes supported by firm-approved tools and scenario modeling.

Michaelangelo Maturino is a financial advisor with J.P. Morgan Securities LLC, holding a Series 66 license and bringing 21 years of industry experience. He has worked at JPMorgan Chase Bank, N.A. and JP Morgan Securities since 2014. 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 through a select group of Wealth Advisors. As a subsidiary of J.P. Morgan, the firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Nicholas Ruotolo is a financial advisor at OSAIC with 10 years of industry experience. He previously worked for Lincoln Financial Advisors for nine years and has been affiliated with Saint Mary's College since 2014. In addition to his advisory work, Ruotolo operates a side business offering fixed insurance products. OSAIC Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and nonprofit organizations. The firm provides a wide range of investment and advisory services, utilizing various asset-allocation tools and third-party platforms to support both discretionary and non-discretionary portfolio management.

Josh Ebadi is a Series 66 licensed financial advisor at Merrill with five years of industry experience. His prior roles include positions at J.P. Morgan Securities and Bank of the West. He has also worked at the University of California and the Santa Cruz Area Chamber of Commerce. 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 individuals, high-net-worth clients, and institutional investors.

May Tran is a Series 66 licensed financial advisor with 11 years of industry experience. She is currently with Wells Fargo Clearing, where she has worked since 2016, aside from a brief period at Edward Jones. 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 utilizes research and analytics from Wells Fargo Investment Institute and third parties, applying diversification principles and modern portfolio theory in its investment approach.

Christoph Bono is a financial advisor at Morgan Stanley with one year of industry experience. He holds the Series 66 designation and previously worked at eShares, Inc. DBA Carta, Levi's Stadium Management Company, and the San Francisco Giants, among others. He also serves as a part-time high school football coach for the Palo Alto Unified School District. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and methodologies.

Andrew Freeman is a financial advisor at Cambridge Investment Research Advisors with nine years of industry experience. He holds the Series 66 designation and has been with Cambridge since 2017. Freeman also owns Freeman Wealth Planning, a separate advisory business, and works as a tax preparer in Belmont, CA. Cambridge Investment Research Advisors is a large SEC-registered firm that serves individual and institutional clients through a network of independent financial professionals. The firm offers financial planning, investment management, and retirement plan advisory services using a variety of portfolio management strategies and platform arrangements.

Mo Bai is a financial advisor at Fidelity with Series 66 and Series 63 licenses and four years of industry experience. Prior to joining Fidelity in 2025, Mo worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A., and operated a family daycare business called Rainbow Land Family Daycare from 2022 to 2025. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, using a process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its use of model portfolios, advisory roles to multiple registered investment companies, and incorporation of AI and systematic methodologies in investment management.

Edwin Ngai is a financial advisor with Charles Schwab in Oakland, CA, holding Series 63 and Series 66 licenses with 29 years of industry experience. He has been with Charles Schwab since 1997. 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 client advisory with access to discretionary separately managed accounts, offering multi-asset model portfolios and alternative investment options supported by Schwab Center for Financial Research.

Ramin Sohrabi is a financial advisor at Merrill with six years of industry experience. He holds a Series 66 designation and has worked at Merrill since 2020, with prior experience at Bank of America, N.A. Outside of his advisory role, he works part-time as a food delivery driver for DoorDash. 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 investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Chase Henley is a Series 66-licensed financial advisor with Morgan Stanley in Pleasanton, CA, bringing seven years of industry experience. His work history includes consistent roles at Morgan Stanley and Amherst College from 2016 to the present. Morgan Stanley Wealth Management serves both individuals and institutional clients, offering a wide range of advisory programs and tailored financial planning supported by structured discovery processes and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and provides services under both direct client and corporate financial planning agreements.

Sujan Chyo is a Series 66-licensed financial advisor with Morgan Stanley in Pleasanton, CA, with 20 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a broad range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools and market modeling to support client financial goals.