Martin Johnson is a financial advisor with OSAIC in San Ramon, CA, holding Series 63 and Series 66 licenses and 28 years of industry experience. He previously worked at Lincoln Financial Advisors for 24 years before joining OSAIC in 2025. Johnson also operates insurance-related businesses offering accident, health, disability, long-term care, and life insurance products, as well as commission-based group benefits. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charities through a large network of affiliated advisers and advisory platforms. The firm provides integrated brokerage and advisory services, financial planning, retirement consulting, and access to third-party money managers, using various tools and analysis to construct portfolios that can include a wide range of securities, managed on discretionary or non-discretionary bases.

Dave Malhotra is a Financial Consultant at Fidelity Investments, where he has been serving clients since 2026. Prior to this role, he held several positions at Fidelity Investments, including Investment Consultant from 2025 to 2026 and Investment Solutions Fixed Income from 2023 to 2025. Before joining Fidelity Investments, he worked as a Financial Advisor at Merrill Lynch from 2019 to 2023. Dave employs a comprehensive planning approach that focuses on placing his clients' needs first. He works closely with clients to understand their financial goals and develops strategies aimed at helping them achieve their objectives. His approach emphasizes client comfort and confidence in their investment decisions by preparing them thoroughly for their financial future. He holds a California Insurance License and engages in personal interests such as art, family activities, fitness, swimming, tennis, and volunteering.

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.

Sheng Chun Chiu is a financial advisor at Charles Schwab with 22 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Charles Schwab and its affiliated bank since 2012. Charles Schwab serves a large client base, primarily high- and ultra-high-net-worth individuals, offering a combination of non-discretionary advisory and discretionary managed-account services through its Schwab Wealth Advisory program and affiliated investment management firms.

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.

Sean Phillips is a CFP® with 24 years of industry experience, currently serving as a financial advisor at Raymond James & Associates since 2021. He previously worked at RBC Capital Markets, Wells Fargo Clearing, and Wells Fargo Advisors. Outside of finance, he has been involved with Emerald Coast Home Cleaning Service, LLC, doing business as You've Got Maids, since 2013. Raymond James & Associates is a large, dually registered broker‑dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and municipal entities, offering financial planning and non-discretionary investment consulting supported by a wide range of portfolio management styles and affiliated research.

Jeffrey Lee is a Series 66-licensed financial advisor with 11 years of industry experience. He is currently with Raymond James Financial Services Advisors, Inc. and has held roles at Summit Financial Group, Securian Financial Services, and SGC Financial & Insurance Services. Outside of his advisory work, he is an associate advisor with Summit Financial Group, supporting another financial advisor in a non-investment capacity. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual, high-net-worth, institutional, and charitable clients. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports a large advisor network, with specialized municipal finance capabilities and customized employer advisory programs.

James Bassett is a financial advisor at Raymond James Financial with nine years of industry experience. He holds the Series 66 designation and previously worked at Edward Jones for six years. Outside of his advisory role, Bassett owns and operates Diamond Oak Wealth Partners and serves as CEO of JRB Financial, LLC. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to individual, high-net-worth, institutional, and nonprofit clients. The firm offers tailored, non-discretionary advisory services using risk profiling and analytical modeling, and it supports a broad network of advisors with specialized programs including municipal and public finance advisory services.

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 at Morgan Stanley with a Series 66 designation and four years of industry experience. Before joining Morgan Stanley in 2021, he worked at PitchBook Data, Inc. from 2017 to 2021. Outside of his advisory role, he assists individuals with tennis practice. Morgan Stanley Wealth Management offers a wide range of advisory programs to both individual and institutional clients, providing tailored financial planning supported by firm-approved tools and analysis methods. The firm manages approximately $2.74 trillion in client assets and delivers services through financial advisors and estate planning specialists.

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.

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.

Andrew Vawter is a financial advisor at Merrill with seven years of industry experience. He holds a Series 66 designation and has worked at Merrill and Bank of America since 2019. His prior experience includes positions at Hub International and involvement with Cal Poly. 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, pension plans, corporations, and charitable organizations.

Scott Cangelosi is a financial advisor at OSAIC with 27 years of industry experience. He holds a Series 66 designation and previously worked for Lincoln Financial Advisors Corporation for 27 years. He also acts as an insurance agent specializing in non-variable life insurance policies and fixed/indexed annuities. OSAIC serves a diverse client base, including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers a range of integrated brokerage and advisory services, employing various investment tools and access to third-party managers to construct diversified portfolios.

Hamed Rashidpour is a Financial Consultant currently working at Fidelity Investments since 2022. In this role, he collaborates with individuals, families, and business owners to develop financial strategies that align with their goals and risk tolerance. His approach emphasizes financial planning as an ongoing process, adapting to clients' evolving needs and priorities over time. Prior to his current position, Hamed served as a Financial Solutions Advisor at Merrill Lynch-Bank of America from 2016 to 2022. His areas of expertise include investment planning, retirement income planning, and tax-efficient investing strategies, with a focus on fostering long-term client relationships and supporting informed financial decision-making. Hamed holds a California Insurance License. Outside of his professional work, he has interests in comedy, family activities, fitness, movies, music, and soccer.

Shayna Forbes Felix is a financial advisor with Ameriprise, holding a Series 66 designation and 23 years of industry experience. She has been with Ameriprise and its affiliates since 2005. Outside of her advisory role, she is involved in business ownership and management through entities such as Juno Moneta LLC and SMFF Enterprises Inc. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, with a specialized Premier Retirement Income service that provides written retirement income plans and ongoing advice focused on tax-aware withdrawal strategies and dependable income sources.