Huong Tran is a financial advisor at UBS Financial Services with 17 years of industry experience. She holds a Series 66 designation and has been with UBS since 2006. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client plans.

Cheryl Tinseth is a financial advisor with Cetera, holding Series 63, 65, and 66 designations and bringing 27 years of industry experience. She has been associated with Cetera Wealth Services, LLC since 2013 and operates Mistretta Tinseth, a firm she has been involved with since 1996. In addition to her advisory role, Cheryl is a CPA and owner of TINSETH ACCOUNTANCY, providing accounting, bookkeeping, tax preparation, and management consulting services. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform that enables advisors to implement model portfolios, select third-party managers, or create bespoke strategies across various program structures with ongoing supervision.

Ross Gaudoin is a financial advisor at UBS Financial Services with 17 years of industry experience. He has held positions at UBS since 2021 and previously worked at First Republic Investment Management, Inc. and Astera Financial Group, LLC. He holds Series 65 and Series 63 licenses. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management, offering proprietary research and affiliated banking services.

Lingyun Qian is a financial advisor at Charles Schwab with 10 years of industry experience. Qian holds Series 66, Series 63, and Series 65 licenses and has previously worked at HSBC Securities USA, MUFG Union Bank, and Citigroup. Outside of financial services, Qian has been involved in property management unrelated to investment advisory. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account 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 its Center for Financial Research.

Marc Fusco is a financial advisor with Wells Fargo Clearing in Walnut Creek, CA, holding Series 63 and Series 65 designations and possessing 23 years of industry experience. His career includes roles at Merrill and Guardian Life prior to joining Wells Fargo in 2016. 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 combines research and analytics with diversified investment approaches across brokerage and advisory solutions.

Marty Ekmekjian is a Financial Consultant at Fidelity Investments, a position he has held since 2024. He has over a decade of experience in the financial services industry, having worked in various roles including Market Leader and Financial Solutions Advisor at Merrill Lynch, Financial Advisor at Edward Jones, and Teller at Bank of America. Marty's expertise encompasses crafting comprehensive financial plans that balance growth with protection. His approach involves integrating strategies such as tax-efficient investing, estate planning considerations, and capital preservation to address the complexities of today's financial markets. He holds a California Insurance License. Outside of his professional work, Marty has personal interests in the beach, movies, traveling, and volunteering.

Puja Aggarwal is Vice President and Financial Consultant at Fidelity Investments, a role she has held since 2021. She has been with Fidelity Investments since 2015, progressing through various positions including Financial Consultant, Investment Consultant, and Relationship Manager. Prior to joining Fidelity, she worked as a Financial Advisor at Merrill Lynch and as a Relationship Banker at JP Morgan Chase. With 15 years of experience in the financial services industry, Puja specializes in wealth planning and works with individuals, families, business owners, executives, and institutions. She guides clients through rising, declining, and volatile markets by employing a comprehensive financial planning process aimed at helping them take educated and disciplined actions toward their goals. Puja holds a California Insurance License. Outside of work, her interests include spending time at the beach, comedy, social events with friends, hiking, caring for pets, and traveling.

Hanane Bettahi is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and having 10 years of industry experience. She has worked at J.P. Morgan Securities since 2016 and is also the owner of Classic Limousine Service Inc. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research and includes broader derivatives and commodities capabilities.

Paul Meyer is a financial advisor at Wells Fargo Clearing with one year of industry experience. He holds the Series 66 designation and previously worked at Edward Jones and Noble Learning Academy. 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 uses research and analytics to evaluate investment options and offers both brokerage and advisory solutions across a wide range of financial products.

Matthew Terwilliger is a financial advisor at Edward Jones with Series 66 credentials and one year of industry experience. Prior to joining Edward Jones, he was involved with the Cal Alumni Association for 11 years. He holds an inactive California real estate license. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of advisory programs and investment strategies. The firm is known for its extensive retail advisor network and affiliated capabilities beyond advisory services.

Jason Borman is a CFP® professional with 27 years of experience in the financial services industry, currently affiliated with Raymond James Financial. He has held advisor roles at multiple related entities, including Borman Wealth Advisors and Borman Investment Management & Planning Group. Borman also serves as a non-variable life insurance agent with Prudential. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, institutions, and charitable organizations. The firm employs tailored, non-discretionary planning and analytical tools to support client goals and provides specialized consulting services such as municipal advisory and SIMPLE IRA Employer Advisory programs.

Kevin Marani is a financial advisor with LPL Enterprise holding Series 63 and Series 66 licenses and 16 years of industry experience. His prior roles include positions at The Prudential Insurance Company of America, Pruco Securities LLC, Appreciation Financial, Pinnacle Equity Management, LLC, and Trajan Advisors. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and corporate and charitable entities through a broad network of investment adviser representatives. The firm’s investment approach is typically model-driven, utilizing portfolios developed by internal research, third-party strategists, or TAMP sponsors, and also offers financial planning, access to third-party asset managers, and affiliated insurance and trustee services.

Noah Rodriguez is a Financial Consultant at Fidelity Investments, where he has been serving since 2026. He focuses on partnering with clients to understand their financial situations and optimize their resources to help achieve their financial goals. Rodriguez's experience at Fidelity spans multiple roles, including Investment Consultant (2025-2026), Planning Consultant (2021-2025), Relationship Manager (2019-2021), and Financial Representative (2018). He holds a California Insurance License.

Kimberly Swanson is a financial advisor with Charles Schwab in Walnut Creek, CA, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. She has worked at Charles Schwab since 2018, with prior experience at Raymond James & Associates. She is also involved in real estate and property management on a limited basis outside of securities trading hours. 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 affiliated managed-account and financial planning services. The firm offers both non-discretionary and discretionary investment solutions supported by a centralized custody and operational structure.

David Halperin is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. He previously worked at Citigroup Global Markets for eight years before joining Wells Fargo in 2016. Outside of his advisory role, he serves as a trustee for a family-related investment trust. Wells Fargo Advisors provides investment advisory, financial planning, and retirement plan consulting services to individual, corporate, and institutional clients, managing approximately $671 billion in assets across more than 14,000 advisors.

Chee Hon is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 66 credentials and 26 years of industry experience. Before joining Cambridge in 2018, he worked at U.S. Bancorp Investments, Inc. from 2014 to 2018. Outside of his advisory role, he owns First Sequoia Financial, LLC, a business entity based in San Ramon, CA. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension plans, and charitable organizations, providing financial planning, investment management, and retirement-plan advisory services. The firm offers both discretionary and non-discretionary management through multiple platforms and proprietary model strategies under the Founders Gate Capital brand.

Jordan Urrutia is a financial advisor at Charles Schwab with 5 years of industry experience and holds a Series 66 designation. Before joining Schwab in 2021, he worked briefly at Fidelity and LPL Financial and spent five years at Christian Louboutin prior to entering the financial industry. 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 affiliated discretionary separately managed accounts and offers multi-asset model portfolios supported by research from the Schwab Center for Financial Research.

Paul Bratrude is a financial advisor at Cetera with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Cetera since 2006. In addition to his advisory role, he is a partner and CPA at Bratrude & Jones CPAs, Inc., where he provides accounting assistance and income tax planning and preparation. Cetera is an SEC-registered advisor that supports a large network of independent advisors serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with varied portfolio management options and oversees over $256 billion in assets under management.

Brendaliz Valenzuela is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. She holds Series 63 and Series 65 licenses and has been with J.P. Morgan Securities since 2012, also working at JPMorgan Chase Bank, N.A. since 2018. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative screening and qualitative research, employing forward-looking capital market assumptions and an ESG eligibility framework.

Kimberly Kaiman is a financial advisor with Fidelity Investments in Walnut Creek, CA, holding the Series 63 and Series 66 designations. She has five years of industry experience, including four years at Alamo Ace Hardware (Three Valley Investments) and one year at Baystreet Research prior to joining Fidelity. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm utilizes a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and manage funds with oversight and systematic methodologies.