Jin Cheng Wu is a financial advisor at Merrill with 10 years of industry experience. He holds Series 66 and Series 63 licenses and has worked at Bank of America, Merrill, JPMorgan Chase Bank, and JP Morgan Securities LLC. Outside of his advisory role, he is the sole owner of a rental property business. Merrill, along 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.

Lance Mantle is a financial advisor at Fidelity with 11 years of industry experience. He holds a Series 66 designation and has worked at Fidelity Investments since 2022, following prior roles at Wells Fargo Clearing and Wells Fargo Advisors, LLC. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors, through a combination of proprietary research, quantitative analysis, and algorithmic portfolio construction. The firm also serves as an advisor to multiple registered investment companies and develops model portfolios for intermediary platforms.

Dwain Jefferson is a financial advisor at J.P. Morgan Securities with seven years of industry experience. He holds Series 66 and Series 63 designations and has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2015, as well as at Bank of America from 2018 to 2024. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm’s approach combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies, delivering services on a non-discretionary basis.

Dorothy Lee is a financial advisor at LPL Financial with 18 years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at National Planning Corporation. Her outside activities include roles related to fixed insurance products with Trilogy Financial Services and ACSIA Partners. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services with discretionary and non-discretionary management options supported by proprietary and third-party research.

Leon Augustine is a financial advisor with Cambridge Investment Research Advisors in Oakland, CA, holding a Series 66 designation and 19 years of industry experience. He has been with Cambridge Investment Research Advisors and Cambridge Investment Research, Inc. since 2016. Outside of advisory work, Augustine is involved in tax preparation services and operates an independent insurance agency. Cambridge Investment Research Advisors is a large SEC-registered firm that serves a diverse client base, including individual investors, pension plans, charitable organizations, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement advisory services through a network of independent Financial Professionals, utilizing a variety of portfolio management approaches and custodial platforms.

Ashley De Benedetti is a financial advisor at Morgan Stanley with 16 years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley since 2018, following prior roles at Kestra Investment Services, LLC and Signator Investors Inc. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs including tailored financial planning using firm-approved tools and models, managing approximately $2.74 trillion in client assets.

Jill Guintu is a financial advisor at OSAIC with over 31 years of industry experience. She holds the CFP® designation along with Series 63 and Series 65 licenses. Prior to joining OSAIC in 2023, she worked for SagePoint Financial, Inc. for 14 years. Outside of her advisory role, she is involved in essential oil product consulting and owns a yacht marketing and maintenance business. OSAIC Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charities through a large network of financial advisors. The firm offers integrated brokerage and advisory services, utilizing firm-provided tools and third-party platforms to manage portfolios that include various asset types across discretionary and non-discretionary accounts.

Jesse Johannesen is a financial advisor with MassMutual Investors Services in Walnut Creek, California, holding Series 66 and Series 63 licenses and having 10 years of industry experience. His prior work includes roles at Technology Opportunity Partners and Cowen and Company. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning, asset management, and educational seminars, structuring planning engagements as annual, collaborative relationships using firm-approved analytical tools.

Newton Ilawole is a financial advisor with OSAIC, holding Series 63 and Series 66 credentials and bringing 29 years of industry experience. His prior roles include positions at Royal Alliance Associates, Inc. and Signator Investors, Inc. Outside of his advisory work, he is an associate broker agent with Spec Homes Realtors on a limited, non-soliciting basis and operates as a general insurance agent selling fixed insurance products. OSAIC serves a diverse range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage, investment advisory, and financial planning services. The firm employs a variety of asset-allocation tools and third-party platforms to manage portfolios across multiple investment vehicles.

Irene Michael is a financial advisor at Morgan Stanley with 27 years of industry experience. She has been with Morgan Stanley since 2009 and holds a Series 66 designation. Outside of her advisory role, she owns the Lovers Point Inn hotel in Pacific Grove, CA. Morgan Stanley Wealth Management serves both individual and institutional clients, offering comprehensive financial planning and advisory programs supported by firm-approved planning tools and resources.

Asha Mendes is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and six years of industry experience. She has worked at Wells Fargo Bank, N.A. since 2016 and Wells Fargo Clearing since 2019. In addition to her advisory role, Mendes is a commissioned notary public in California. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s investment approach is IPS-driven and incorporates modern portfolio theory, with notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Chris Millis is a financial advisor with Merrill in Walnut Creek, CA, holding Series 63 and Series 66 designations and bringing 31 years of industry experience. He has been with Merrill since 1999. 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 model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Michael Olsen is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2016. He has over 20 years of experience working closely with clients and their families to help grow and protect their wealth, make well-informed investment decisions, and simplify their financial lives. Prior to his current role, he was Vice President at Fisher Investments from 2005 to 2016, and a Financial Adviser at American Express Financial Advisers from 2002 to 2005. Michael holds a California Insurance License, which supports his expertise in wealth planning and financial consulting. Outside of his professional work, he has personal interests that include beach activities, family activities, fitness, golf, parenthood, and traveling.

Michael Kinslow is a Wealth Management Advisor at Merrill Lynch Wealth Management. He focuses on providing comprehensive financial advice and wealth planning services to families, tailoring strategies to fit their unique ambitions and priorities. His expertise includes family wealth management strategies, liquidity management, personal retirement planning, portfolio management, individual and corporate investment strategy, and tax minimization. Michael holds an Associate's Degree from Diablo Valley College and has earned professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). He works closely with clients to create personalized plans that address goals such as funding education, planning for retirement and healthcare costs, and managing long-term family objectives. Outside of his professional role, Michael enjoys cooking, reading, traveling, watching movies, and spending quality time with his family, including his wife Michelle and their two daughters, Kylie and Addison.

Leslie Kollar is a financial advisor at Stifel with 11 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Merrill, RBC Capital Markets, J.P. Morgan Securities, and Jpmorgan Chase Bank before joining Stifel in 2023. Stifel serves a broad range of clients including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. The firm’s investment approach uses proprietary capital market assumptions and probabilistic modeling developed by its Investment Strategy Group to support client decision-making.

Jacob Schiller is a financial advisor at Wells Fargo Clearing with 9 years of industry experience. He holds Series 63 and Series 66 designations and has been with Wells Fargo entities since 2013. 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 IPS-driven approach incorporates modern portfolio theory and includes a broader range of financial products such as insurance-related vehicles and bank deposit sweep options.

Ian McGee is a financial advisor at Ameriprise with nine years of industry experience. He holds the Series 66 designation and has been with Ameriprise since 2020, following 15 years at Ameriprise Financial Services, Inc. in Walnut Creek, CA. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement who meet specific asset criteria. The firm combines research, modeling, and tax-efficiency analysis to provide tailored, written recommendations delivered through a centralized consulting team.

Charles Noriega is a financial advisor with Mass Mutual Investors Services in Walnut Creek, CA, holding Series 65 and Series 63 licenses and having nine years of industry experience. He previously worked at Mutual of Omaha Investor Services and Mutual of Omaha Insurance Company for nearly a decade. 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 seminars, using firm-approved tools to deliver written recommendations in collaborative annual engagements.

Jennifer Kwock Lau is a financial advisor with Ameriprise in Oakland, CA, holding a Series 66 designation and 23 years of industry experience. She has been with Ameriprise and its related entities since 2005. Outside of her advisory role, she serves on the Board of Directors for the Festival Opera and is the East Bay Vice President for the UCLA Alumni Association San Francisco Bay Area Network. Ameriprise provides retirement-income planning services aimed at individuals nearing or in retirement with significant investable assets. The firm uses a centralized consulting team to deliver non-discretionary, research-driven recommendations that include income sources, Social Security options, and tax-efficient withdrawal strategies.

Andy Hawkey is a financial advisor with Osaic who holds the CFP® designation and has 35 years of industry experience. He has been with Osaic since 2002 and has also worked at Pim Financial Services, Inc. since 1990. Outside of advisory work, he is licensed as a life insurance agent and collaborates with third-party specialists on insurance and annuity strategies. Osaic Wealth, Inc. serves a diverse range of retail and institutional clients through a network of affiliated advisors and offers integrated brokerage, investment advisory, and financial planning services. The firm employs asset-allocation tools, risk-tolerance assessments, and automated rebalancing to construct portfolios that include various asset classes and supports both discretionary and non-discretionary account management.