Jason Vitucci is a CFP® professional with 29 years of experience in the financial services industry. He is currently with OSAIC Wealth, Inc. and has held previous roles at Cetera Advisors LLC and First Allied Advisory Services among others. Outside of advising, he serves on the board of the St. Isidore School Foundation, a nonprofit that raises funds to support families in need of tuition assistance. OSAIC Wealth serves a diverse client base including high-net-worth and non-HNW individuals, retirement plans, charities, and corporations. The firm employs a model-based asset allocation and portfolio optimization approach and offers a wide range of brokerage and advisory services through a multi-advisor platform.

Dara Rocchi is a financial advisor with LPL Financial in Danville, CA, holding Series 63 and Series 66 designations and 29 years of industry experience. His prior work includes roles at Fremont Bank since 2019 and Unionbanc Investment Services from 2016 to 2019. 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 financial planning, model portfolio programs, third-party asset management, and institutional platforms, combining advisory services with a broad range of non-advisory financial activities.

Edmund Pan is a financial advisor with Ameriprise in Danville, CA, holding a Series 66 designation and 22 years of industry experience. He has been with Ameriprise and its affiliate since 2009. Outside of his advisory role, he is involved in real estate ownership focused on multi-family properties. Ameriprise provides retirement-income planning services targeted at individuals nearing or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver annual, non-discretionary recommendations through a centralized consulting team. As a large institutional firm, Ameriprise offers a broad range of advisory, brokerage, and insurance solutions typical for its category.

Veronica Wang is a financial advisor at UBS Financial Services with a Series 66 designation and five years of industry experience. She has worked at UBS since 2018 and has prior experience in the metal fabrication and restaurant industries. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining proprietary capital market research with model-based asset allocations. The firm provides a range of services including fee-based financial planning and portfolio management, operating with both wealth management and institutional trading capabilities.

John Nash is a financial advisor with Cetera who holds a Series 66 designation and has 26 years of industry experience. His prior roles include positions at Bank of America, Merrill, Sageview Advisory Group, and Cetera Advisor Networks. He is also CEO of a consulting business he founded in 2023. Cetera Investment Advisers LLC serves individual, corporate, charitable, and institutional clients through a nationwide network of independent advisors, offering a variety of portfolio management, financial planning, and retirement services. The firm utilizes a multi-manager platform with discretionary and non-discretionary options, managing over $256 billion in assets across more than 10,000 advisors.

Lien Lay is a CFP® with 20 years of industry experience currently with J.P. Morgan Securities, where she has worked since 2012. Her prior roles include positions at Chase Investment Services Corp. and Banc of America Investment Services, Inc. Outside of her advisory work, she is an owner of rental properties. J.P. Morgan Securities provides institutional consulting services primarily to plan sponsors, corporations, and endowments through a non-discretionary program focused on written asset allocation advice, investment manager research, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative manager due diligence and may incorporate ESG criteria.

Graham Gongora is an advisor with Charles Schwab & Co., Inc. based in Oakland, CA. He holds a Series 66 designation and has less than one year of industry experience. His background includes full-time education and various non-financial roles prior to joining Charles Schwab. 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 a large client base with integrated advisory, brokerage, custody, and cash-sweep services, offering both non-discretionary investment guidance and access to discretionary separately managed accounts.

Jeffrey Gustafik is a financial advisor with Wells Fargo Clearing holding Series 63 and Series 65 licenses and has 43 years of industry experience. His prior work includes roles at A. G. Edwards & Sons, Inc. and Wells Fargo Investments, LLC. He is based in Walnut Creek, CA. 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 offers both brokerage and advisory solutions supported by Wells Fargo Investment Institute research and third-party analytics.

Crystal Gomez is a financial advisor with Wells Fargo Clearing in Pleasanton, CA, holding Series 63 and Series 65 designations and 14 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and has been with Wells Fargo Bank, N.A. since 2009. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions, utilizing research from the Wells Fargo Investment Institute and applying diversification principles and modern portfolio theory.

Lance Mantle is a financial advisor at Fidelity with 12 years of industry experience. He holds the Series 66 designation and has worked at Fidelity Investments since 2022, following prior roles at Wells Fargo Clearing and Morgan Stanley. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm combines proprietary fundamental research with quantitative analysis and algorithmic portfolio construction to manage and deliver model portfolios using systematic methodologies and long-term asset allocation benchmarks.

Sherwin Coleman is a financial advisor at Cetera with 38 years of industry experience. He holds Series 63 and Series 65 designations and has prior experience at Voya Financial Advisors and as the principal of Coleman Financial Services since 1993. He also operates as an independent insurance agent. Cetera Investment Advisers LLC is an SEC-registered firm serving a diverse client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options, including model portfolios, third-party managers, and bespoke strategies, overseeing more than $256 billion in assets.

Jennifer Loyer is a financial advisor with Ameriprise in Pleasanton, CA, holding Series 66 and Series 65 designations and 17 years of industry experience. She has been with Ameriprise and its affiliates since 2000. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service, which focuses on dependable income sources and tax-aware withdrawal strategies.

Diem Tran is a financial advisor at Morgan Stanley with 16 years of industry experience. He holds the Series 63 and Series 66 designations and has been with Morgan Stanley since 2013, including a recent role at Morgan Stanley Private Bank, N.A. in Pleasanton, California. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs and tailored financial planning services supported by firm-approved tools and comprehensive planning processes.

Dwain Jefferson is a financial advisor at J.P. Morgan Securities with seven years of industry experience. He holds Series 66 and Series 63 credentials. Prior to his current role, he worked at Bank of America from 2018 to 2024 and previously held positions at J.P. Morgan Securities and J.P. Morgan Chase Bank. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, 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 recommendations limited to eligible strategies that may incorporate ESG considerations.

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 in two periods, from 2009 to 2016 and from 2018 to the present, with prior roles at Kestra Investment Services and Signator Investors. Morgan Stanley Wealth Management serves both individual and institutional clients, offering advisory programs and tailored financial planning supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and provides plans directly to clients as well as through corporate agreements.

Jill Guintu is a CFP® professional at Osaic Wealth with 31 years of industry experience. She previously worked at Sagepoint Financial, Inc. for 14 years and Wagner Loftin Investment Services LLC for 29 years. Outside of financial advising, she is involved in essential oils product consulting and owns a yacht marketing and maintenance business. Osaic Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporate clients through a multi-advisor platform. The firm offers a range of brokerage and advisory services, emphasizing model-based asset allocation and portfolio optimization supported by various financial tools and third-party managers.

Jenna Byrd is a financial advisor with Mass Mutual Investors Services in Pleasanton, CA, holding a Series 66 designation and two years of industry experience. She has been with MML Investors Services, LLC since 2017 and has prior experience at MassMutual Life Insurance Company and MSI Financial Services. Mass Mutual Investors Services, LLC operates as a broker-dealer and SEC-registered investment adviser offering financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides collaborative, annual financial planning engagements using firm-approved tools and offers specialized services including divorce planning and employer-sponsored planning programs.

Jesse Johannesen is a financial advisor with Mass Mutual Investors Services in Walnut Creek, CA, holding Series 66 and Series 63 licenses and bringing 10 years of industry experience. His prior roles include positions at Technology Opportunity Partners, LP, and Cowen and Company LLC. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers ongoing financial planning, asset management, and educational seminars, employing firm-approved analytical tools to deliver written recommendations tailored to clients' goals.

Newton Ilawole is a financial advisor with OSAIC in Lafayette, CA, holding Series 63 and Series 66 licenses and bringing 29 years of industry experience. He has worked with Royal Alliance Associates, Inc. since 2018 and previously with Signator Investors, Inc. from 2016 to 2018. In addition to his advisory role, he has served as an associate broker agent with Spec Homes Realtors for over 20 years on a limited, non-soliciting basis. OSAIC Wealth serves a broad range of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including comprehensive financial planning and advisor-managed portfolios. The firm emphasizes model-based asset allocation and portfolio optimization, supporting various investment strategies and maintaining a complex affiliate network.

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.