Michael Muniz is a financial advisor with UBS Financial Services holding a Series 66 designation and 26 years of industry experience. His prior work includes positions at Bank of America and Merrill Lynch, Pierce, Fenner & Smith Inc. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm uses proprietary research and model-based asset allocations to tailor financial plans and portfolio management to clients’ goals and risk tolerances.

Jordan Frierson is a financial advisor at OSAIC with two years of industry experience. He holds the Series 66 designation and has previously worked at Lincoln Financial Advisors Corporation and Acord & Fong Wealth Strategies. Outside of his role at OSAIC, he receives advisory compensation through his team's LLC, which functions solely as a pass-through entity for his advisory duties. Osaic Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, utilizing various portfolio construction tools and third-party platforms to manage a broad range of investment products.

Taylor Richardson is a financial advisor at Merrill with 19 years of industry experience. He has held his current role since 2010 and holds a Series 66 designation. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Alejandro Segura is a financial advisor with Charles Schwab in Berkeley, CA, holding a Series 66 designation and six years of industry experience. His prior work includes roles at Wells Fargo Clearing, Wells Fargo Bank, and State Farm. He has been with Charles Schwab and Charles Schwab Bank since 2019. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm offers a mix of non-discretionary and discretionary investment guidance utilizing multi-asset model portfolios and a centralized operational structure.

Vanessa Savage is a financial advisor with Raymond James Financial Services Advisors, Inc. in San Ramon, CA, holding a Series 66 designation and over 21 years of industry experience. She has worked at Raymond James since 2023 and concurrently serves as a financial planner and leadership team member at Summit Financial Group since 2008. Outside of advisory roles, she is also involved as an insurance agent selling fixed insurance, long-term care, and disability solutions. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm emphasizes tailored non-discretionary planning using analytical tools and supports clients through advisory programs and institutional consulting.

Sean Mckenna is a financial advisor at Morgan Stanley with 33 years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2007, including roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Outside of his advisory work, he serves on the board of Flying Resort Ranches in Salmon, Idaho, where he also holds a Vice President role related to license approvals. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to both individual and institutional clients, managing approximately $2.74 trillion in client assets and utilizing a structured planning process supported by firm-approved tools and methodologies.

Jeffrey Buk is a financial advisor at Wells Fargo Clearing with 25 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2011 to 2016. Outside of his advisory role, he owns a vehicle import business based in Kalispell, MT. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, employing an IPS-driven approach grounded in modern portfolio theory. The firm offers both non-discretionary and discretionary services, including investment policy statement preparation, investment recommendations, performance reporting, and participant education.

Andy Lee is a financial advisor at Morgan Stanley with 17 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley since 2010, including at Morgan Stanley Private Bank, N.A. since 2022. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets.

Rakan Sawalha is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and having seven years of industry experience. He has worked with Wells Fargo Clearing Services LLC since 2018 and Wells Fargo Bank NA since 2013. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Michelle Ruan is a Financial Advisor with Merrill Lynch Wealth Management. She focuses on connecting all aspects of clients' financial lives to help prioritize and pursue the goals that matter most to them. Michelle works closely with clients to understand their short-, mid-, and long-term goals, providing personalized wealth management strategies that adapt to changing market conditions. Her expertise encompasses college education planning, family wealth management strategies, liquidity management, retirement planning, portfolio management, tax minimization, and individual and corporate investment strategies. Michelle collaborates with Bank of America specialists to offer clients comprehensive banking, credit, home financing, and small business solutions as part of her advisory services. Michelle holds a Bachelor's Degree from the California State University System and has earned professional designations including Certified Investment Management Analyst (CIMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). She is fluent in English and Chinese. Outside of her professional work, Michelle enjoys badminton, hiking, running, swimming, and yoga.

Elizabeth Mintzer is a CFP® professional with eight years of industry experience, currently affiliated with Cambridge Investment Research Advisors. She has worked at Cambridge Investment Research in various capacities since 2017. Outside of her advisory role, she is a group fitness instructor and serves as a committee member for the Financial Planning Association. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, pension plans, charitable organizations, and retirement-plan sponsors. The firm offers financial planning, investment management, retirement advisory, and financial-wellness services through independent Financial Professionals using a variety of platform options and tailored investment strategies.

Nicholas Chin is an Investment Consultant at Fidelity Investments, where he has been serving clients since 2026. He previously held roles within Fidelity as a Planning Consultant from 2024 to 2026, Relationship Manager from 2023 to 2024, and Financial Representative from 2022 to 2023. Prior to joining Fidelity, Nicholas gained experience as a Bank Teller at UNCLE Credit Union in 2022 and as a Commercial Banking Intern at Bridge Bank in 2021. Nicholas holds a California Insurance License, which supports his work in financial planning and investment consulting. His approach centers on active listening and creating strategies tailored to each client's goals and long-term vision. Outside of his professional career, Nicholas engages in fitness, football, golf, and volunteering activities.

Pacific Eng is a financial advisor at Osaic Wealth, Inc. with four years of industry experience. They hold a Series 66 designation and have prior experience at Lincoln Financial Advisors and UC San Diego. Outside of advisory services, Pacific Eng offers fixed insurance products including annuities and life insurance. Osaic Wealth, Inc. serves a broad range of retail and institutional clients through a large network of affiliated advisors and multiple advisory platforms. The firm employs asset-allocation tools, risk-tolerance questionnaires, and automated rebalancing to construct diversified portfolios across various asset classes, providing both discretionary and non-discretionary management options.

David Liebowitz is a financial advisor at UBS Financial Services in Danville, CA, holding a Series 66 designation. He began his advisory career at UBS in 2025 after prior experience at Five9 and four years at the University of California Berkeley. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, offering a broad range of capital markets and advisory solutions.

Vaibhav Rana is a financial advisor with J.P. Morgan Securities LLC, holding Series 66 and Series 63 credentials and three years of industry experience. His prior roles include positions at JPMorgan Chase Bank, Tata SIA Airlines Limited, and Jet Airways. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations. The firm delivers services on a non-discretionary basis, with clients retaining final decision-making authority.

Zachary Ginsburg is a CFP®-certified financial advisor with 21 years of industry experience, currently with J.P. Morgan Securities in Alameda, CA. He has been with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2012. He also has prior experience working at Turo. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering non-discretionary investment recommendations supported by a centralized due diligence framework.

John Mensendiek is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. His prior work includes positions at VOYA Financial Advisors and Cetera Wealth Services. Outside of advising, he is an independent insurance agent specializing in fixed insurance sales. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutions. The firm offers a multi-manager platform with a range of portfolio management and financial planning services, supported by a network of over 10,000 advisors and more than $256 billion in assets under management.

Cole Ricardo is a Financial Advisor with Merrill Lynch Wealth Management based in Oakland, California. He works closely with clients to understand their goals and develop strategies that align with their values and priorities. Cole's client focus areas include college education planning, services for defined benefit plans, sports and entertainment, tax minimization, and retirement income. With professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA), Cole applies his expertise to help clients turn data into direction and goals into actionable plans. He emphasizes thoughtful guidance throughout complex financial decisions, preparing for retirement, and growing businesses. Cole holds a Bachelor's Degree from Holy Names University. Outside of his professional work, he enjoys baseball, basketball, hiking, pickleball, and spending time with his family.

Steven Richardson is a financial advisor with LPL Financial and holds a Series 63 designation. He has 38 years of industry experience, including prior roles at Merrill from 1988 to 2018 and Bank of America, N.A. from 2011 to 2018. He has been with LPL Financial since 2018. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing discretionary and non-discretionary management alongside model portfolios and research from multiple sources.

Nicholas Mommaerts is a financial advisor with Morgan Stanley in Orinda, CA, holding a Series 66 designation and 20 years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2007, including roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and analysis from its Global Investment Committee.