Joseph Corner is a financial advisor with Cetera in Walnut Creek, CA, holding Series 63 and Series 65 licenses and bringing 11 years of industry experience. He has worked with Cetera since 2019 and previously spent three years at Foresters Financial Services. Outside of advising, he assists with office work at Leidig Draper Properties, a commercial real estate company owned by his grandfather. Cetera Investment Advisers LLC is an SEC-registered adviser providing services through a nationwide network of independent advisors to individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services, featuring a multi-manager platform and access to various third-party and affiliated investment managers.

Joseph Long is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and possessing 37 years of industry experience. His prior experience includes nearly two decades at CUSO Financial Services, L.P. and a long-standing role at Patelco Credit Union. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement consulting through a national network of investment adviser representatives.

Kaylie Varner is a financial advisor at Charles Schwab with four years of industry experience. She holds a Series 66 designation and has worked at Charles Schwab and Co., Inc. since 2022, following prior roles at Charles Schwab Bank and TD Ameritrade. 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 and discretionary investment management solutions supported by multi-asset model portfolios and a centralized operational structure.

Walter Wellsfry is a financial advisor at Wells Fargo Clearing with 38 years of industry experience. He holds the Series 63 designation and has been with Wells Fargo Clearing since 2016, following five years at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Lawrence Olin is a CFP® credentialed financial advisor with 30 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously spent seven years with Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a broader set of financial product offerings than is typical for large institutional advisers.

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.

Jeff Loventhal is a financial advisor with J.P. Morgan Securities, holding a Series 63 designation and bringing 34 years of industry experience. His career includes multiple roles within J.P. Morgan entities dating back to 2012. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors. The firm offers asset allocation advice, investment manager and fund searches, and customized performance reporting, combining large institutional advisory operations with brokerage and investment management capabilities.

Ross Gaudoin is a financial advisor at UBS Financial Services with 17 years of industry experience. He joined UBS in 2021 after spending nine years at First Republic Investment Management, Inc. He holds Series 65 and Series 63 licenses. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides access to proprietary research and a broad range of capital markets services.

Lingyun Qian is a financial advisor with Charles Schwab in San Ramon, CA, holding Series 66, Series 63, and Series 65 designations and having 10 years of industry experience. Her work history includes positions at Charles Schwab Bank, HSBC Securities USA, MUFG Union Bank, and Citigroup. Outside of financial services, she has ownership interests in real estate property management unrelated to investment activities. Charles Schwab 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and uses multi-asset model portfolios supported by research and due diligence on alternative investments.

Marc Fusco is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. He has been with Wells Fargo Clearing since 2016, following six years at Wells Fargo Advisors LLC. 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 advisory process is IPS-driven and incorporates modern portfolio theory, with notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Kylie Lindquist is a financial advisor at Morgan Stanley with two years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley since 2022. Outside of her advisory role, she is involved in pet sitting and dog walking through Rover, as well as babysitting via Care.com. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a broad range of advisory programs including tailored financial planning supported by structured discovery processes and advanced modeling tools. The firm manages approximately $2.74 trillion in client assets and provides services through direct client relationships and Corporate Financial Planning agreements.

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.

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.

Lewis Phillips is a financial advisor at Merrill with 29 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Bank of America and Merrill since 2013. 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 strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

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 serves a diverse range of clients, including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering financial planning, consulting, and access to model portfolios and third-party asset management through an integrated platform combining advisory and brokerage 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.