Brian Asher is a financial advisor with Morgan Stanley in Richmond, CA, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. His prior work includes roles at Citigroup Global Markets and various divisions of Morgan Stanley, where he has been since 2007. He also serves as a trustee in a trust-related capacity. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individuals and institutional clients, including customized financial planning supported by firm-approved tools and methodologies.

David Kramer is a financial advisor at Cetera with 48 years of industry experience. He holds the Series 63 and Series 65 designations and has worked at Cetera Advisors LLC since 2013. In addition to his advisory role, he serves as chairman of finance for a condominium homeowners association. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with discretionary and non-discretionary options.

Mark Baca is a financial advisor with Cetera, holding the ChFC® designation and over 40 years of industry experience. He has an extensive career history including long-term roles at Cetera Advisor Networks LLC and American River Wealth Management. Baca also operates The Baca Group, an insurance services business. Cetera Investment Advisers LLC is a nationwide SEC-registered adviser serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with various portfolio management options, financial planning, and consulting services.

Kevin Stromfeld is a Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2023. He has been with Fidelity Investments since 2020, initially working as a Financial Consultant before his current role. Prior to joining Fidelity, he worked as a Wealth Management Advisor at TIAA from 2018 to 2020 and as an Investment Counselor at Fisher Investments from 2013 to 2018. Kevin holds the Chartered Financial Analyst (CFA) designation and is a Certified Financial Planner™ (CFP). He possesses a California Insurance License. Outside of his professional work, Kevin enjoys baseball, family activities, skiing, and traveling.

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.

Steve Loftin is a financial advisor at Osaic Wealth with 34 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with firms including Sagepoint Financial, Inc. and Wagner Loftin Investment Services LLC. Osaic Wealth serves a diverse range of retail and institutional clients through a multi-advisor platform, offering brokerage and advisory services that include financial planning, managed portfolios, and retirement plan consulting. The firm emphasizes model-based asset allocation and portfolio optimization supported by various analytical tools, and it is notable for its scale, complex affiliate network, and recent consolidation activity.

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.

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.

Adrian Kula is a financial advisor at J.P. Morgan Securities with six years of industry experience. He holds a Series 66 designation and has worked at AXA Advisors, Equitable Advisors, and JPMorgan Chase Bank, N.A. prior to his current roles. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments through a select group of Wealth Advisors, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process combines quantitative screens and qualitative research to build model asset allocations, with clients retaining final decision-making authority.

Irvin Hu is a financial advisor with Mass Mutual Investors Services in Pleasant Hill, CA, holding a Series 66 designation and 13 years of industry experience. He has worked at Lenox Advisors, Inc., Mass Mutual Investors Services, Mass Mutual Life Insurance Company, Axa Advisors, LLC, and Equitable Advisors. In addition to his advisory role, Hu serves as Vice President at Lenox Advisors, Inc., where he is involved in outside insurance sales including life, disability, long-term care, fixed annuities, and health insurance. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm uses firm-approved software for detailed goal analysis and delivers written financial recommendations through ongoing collaborative relationships.

Andrew Vasquez is a financial advisor with Mass Mutual Investors Services based in Pleasant Hill, CA. He holds the ChFC® designation and securities licenses Series 63 and Series 65, and has 30 years of industry experience. His career includes 22 years at Metlife Securities Inc. before joining Mass Mutual Investors Services and MassMutual Life Insurance Co. 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, structuring planning engagements as annual, collaborative relationships that use firm-approved software tools to analyze goals and provide written recommendations.

Cynthia Bell is a financial advisor with Primerica Advisors in Concord, CA, holding Series 63 and Series 65 licenses and four years of industry experience. She has worked at PFS Investments Inc. since 2021 and has been with Primerica Financial Services since 2017. Prior to her financial services career, she operated Bell Chiropractic from 2014 to 2023. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm operates at scale, managing approximately $15.5 billion in assets, and delivers investment strategies primarily through model portfolios created by unaffiliated asset managers.

Steven Serotte is a financial advisor with Mass Mutual Investors Services, holding a ChFC® designation and Series 63, 65, and 66 licenses, with 25 years of industry experience. He previously worked at Lenox Advisors, Inc. for 17 years and has been affiliated with MassMutual and its subsidiaries since 1996. Outside of his advisory role, he serves as an insurance agent for individual and group life and health policies. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars, focusing on collaborative, annual planning engagements with a range of investment strategy tools.

Mila Coffey is a CFP® and PFS™ with 29 years of experience in financial advisory and tax services. She is currently with Cetera and has held roles at multiple related firms since 1997, including Avantax and PH Tax & Wealth Solutions, CPAs, Inc. Outside of her advisory work, she serves on the board of the Contra Costa College Foundation and volunteers as an ambassador for the East Bay Regional Park District. Cetera Investment Advisers LLC is a large SEC-registered firm that serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform that allows advisors to implement a range of portfolio strategies across discretionary and non-discretionary program structures.

Zackary Hernandez is a financial advisor with Wells Fargo Clearing in Concord, CA, holding a Series 66 designation and nine years of industry experience. He has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with a wide range of investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and combines brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Amanda Keller is a financial advisor with Cambridge Investment Research Advisors, holding a Series 66 designation and bringing 22 years of industry experience. She has worked with Cambridge Investment Research Advisors since 2010 and previously spent five years at Thrivent Investment Management. In addition to her advisory role, she is an independent insurance agent for various companies. Cambridge Investment Research Advisors serves a diverse client base, including individuals, institutions, pension funds, and charitable organizations, offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm manages a multi-billion dollar asset base through thousands of financial professionals and provides access to multiple platforms, third-party advisers, and proprietary model strategies.

William Hawkins is a financial advisor with LPL Financial, holding a Series 63 designation and bringing 33 years of industry experience. His prior roles include positions at Global Retirement Partners LLC and Financial Telesis Inc. Hawkins has also been involved with Woodside Financial Partners, a related investment advisory entity. 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 a wide range of advisory and brokerage services through a large network of investment adviser representatives, utilizing various investment strategies and technology tools.

Briana Roemmick is a financial advisor with Edward Jones in Fairfield, CA, holding a Series 66 designation and two years of industry experience. Prior to joining Edward Jones in 2024, she worked in the mortgage industry with firms including Edge Home Finance, CrossCountry Mortgage, Caliber Home Loans, and VITEK Mortgage. She continues to maintain a referral role with Edge Home Finance. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of investment advisory programs, including discretionary and non-discretionary strategies, and operates under a fiduciary standard.

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, JPMorgan Chase Bank, and JP Morgan Securities LLC. Outside of his advisory role, he is the sole owner of a rental property business. 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, and institutions.

Yan Li is a financial advisor with Edward Jones in Fairfield, CA, holding a Series 66 designation and 11 years of industry experience. Prior to joining Edward Jones in 2023, Yan worked at Merrill from 2014 to 2023. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients through a nationwide network of over 23,700 financial advisors. The firm offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, and operates under a fiduciary standard.