Patrick Oswald serves as a Senior Financial Advisor with Merrill Lynch Wealth Management. He brings over 30 years of experience in the financial markets, focusing on constructing dividend-paying stock and bond portfolios tailored for long-term results. His client focus includes corporate executive services, equity compensation, family wealth management strategies, and retirement income planning. Patrick holds a Bachelor of Arts in Agricultural Economics (1988) and a Master of Business Administration (1992), both from the University of California. He has earned the Personal Investment Advisor (PIA) designation. His earlier education includes attending De La Salle High School in Concord, CA, where he was named Athlete of the Year and inducted into the Athletic Hall of Fame. Committed to community engagement, Patrick volunteers with Catholic Charities and serves as a football coach for the San Ramon Valley T-Birds. Outside of his professional and community activities, he enjoys golf, fishing, snowboarding, baseball, cooking, gardening, hiking, softball, and football. He resides in Danville, CA, with his wife Elisa and their four sons.

Nicholas Young is Vice President and Branch Leader at Fidelity Investments, a role he has held since 2025. In this capacity, he leads a team of advisors and support staff dedicated to delivering a planning experience tailored to each client's unique financial situation and goals, leveraging Fidelity's comprehensive tools and resources. Nicholas has been with Fidelity Investments since 2011, progressing through several roles including Financial Representative, Private Client Specialist, Investment Consultant, Financial Consultant, Wealth Planner, and Regional Planning Consultant. His extensive experience within the firm has provided him with a broad understanding of financial planning and wealth management. He holds a California Insurance License.

Sandy Chan is a financial advisor at UBS Financial Services with 23 years of industry experience. She has held her current role at UBS since 2013. Sandy holds Series 63 and Series 65 licenses. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services and utilizing proprietary research and model-based asset allocations.

Christina Rotairo is a Series 66 licensed financial advisor with Merrill in San Francisco, CA, where she has worked since 2007, totaling 19 years at the firm and 15 years in the industry overall. She serves as a power of attorney for a family member in a fiduciary capacity. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Katie Henry is a Wealth Management Advisor at Merrill Lynch Wealth Management in San Francisco. She works with affluent individuals and families to understand their comprehensive financial situations, including banking, investments, financing, and retirement plan services. Katie develops personalized financial strategies aimed at preserving, managing, and growing wealth for current and future generations. She specializes in family wealth management strategies, liquidity management, managing new wealth, personal retirement planning, women and wealth, and retirement income. Katie uses the investment resources of Merrill and the banking capabilities of Bank of America to support various aspects of her clients' financial lives. Katie earned a Bachelor of Science in Business Administration in 2005 and a Master of Science in Financial Analysis and Investment Management in 2010, both from Saint Mary's College of California. She holds the CERTIFIED FINANCIAL PLANNER (CFP) designation as well as the Personal Investment Advisor (PIA) credential. Outside of her professional work, she is involved in the community as a soccer coach for LMYA.

Quentin Aknin is a financial advisor at Morgan Stanley in San Francisco, holding a Series 66 designation with nine years of industry experience. He has been with Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2016. Outside of his advisory role, he has worked as an independent contractor driver and has involvement with a wholesale distribution business. 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, including tailored financial planning that employs firm-approved tools and modeling techniques.

Nancy Martinez is a financial advisor with LPL Financial in San Bruno, CA, holding the Series 66 designation and bringing 15 years of industry experience. She has previously worked with Patelco Credit Union and CUSO Financial Services, LP. Martinez is involved with Patelco Financial Solutions, a business related to her LPL work. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing model portfolios, research, and advanced technologies.

Betsy Bliss is a financial advisor with J.P. Morgan Securities in San Francisco, CA, holding Series 63 and Series 65 licenses and bringing 48 years of industry experience. She has worked at J.P. Morgan Securities since 2008 and JPMorgan Chase Bank, N.A. since 2010. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, delivering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Terrence Kotsatos is a CFP® and ChFC® with 28 years of industry experience. He has been with Edward Jones since 2010, based in Albany, CA. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds.

Tayo Ogundiya is Vice President and Executive Planning Consultant at Fidelity Investments, where he has been serving since 2020. In this role, he partners with clients to develop comprehensive long-term financial plans and detailed investment strategies that incorporate workplace benefits and equity compensation. He emphasizes establishing long-term relationships based on trust and reliability to help clients work toward their financial goals. Tayo has been with Fidelity Investments since 2010, holding various roles including Relationship Manager, Financial Consultant, Service and Trading Manager, and High Net Worth Supervisor. He holds a California Insurance License. Outside of his professional responsibilities, Tayo enjoys concerts, hiking, movies, music, and writing.

Piers Cornelius is a financial advisor with J.P. Morgan Securities, holding Series 65 and Series 63 credentials and bringing 26 years of industry experience. He has worked at J.P. Morgan Securities since 2008 and concurrently at JPMorgan Chase Bank, N.A. since 2016. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework in its recommendations.

Brian Endicott is Vice President and Wealth Planner at Fidelity Investments, a role he has held since 2018. He has extensive experience in financial planning and wealth management, having previously worked as a Wealth Management Advisor at TIAA from 2017 to 2018, and held various positions at Fidelity Investments since 2012, including Financial Consultant, Investment Consultant, and Financial Representative. Brian holds a California Insurance License, supporting his expertise in financial services. He emphasizes building long-term relationships with clients and prioritizes their interests in helping them achieve their personal and financial goals through comprehensive financial planning. Outside of his professional work, Brian has personal interests in fitness, football, music, parenthood, reading, and traveling.

Askar Habybayli is a financial advisor at J.P. Morgan Securities with Series 63 and Series 66 credentials and two years of industry experience. Prior to joining J.P. Morgan Securities, he held various roles including positions in retail and education sectors. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm uses a combination of quantitative asset-allocation modeling and centralized due diligence, applying an ESG eligibility framework when recommending investment strategies.

Mason Billings is a financial advisor at Stifel with 9 years of industry experience. He holds the Series 66 designation and has been with Stifel Nicolaus & Co. since 2015. Based in San Francisco, CA, he provides advisory services to a diverse client base. Stifel serves individuals, including high net worth and non-HNW clients, as well as institutional clients such as pension plans and charitable organizations. The firm offers brokerage and investment advisory services, utilizing a proprietary methodology developed by its Investment Strategy Group to support asset allocation and financial planning.

David Clarke is a financial advisor at Wells Fargo Advisors with 42 years of industry experience. He holds Series 63 and Series 65 credentials and previously worked within Wells Fargo Clearing and Wells Fargo Advisors, LLC. Outside of advising, he has ownership interests in several investment-related ventures including DCC Ventures, LLC and Quin Oaks Investment Group, LLC, as well as a watercraft rental business in Tahoe City, CA. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutions by offering a broad range of investment and fee-based financial planning services. The firm employs Wells Fargo research and planning tools to develop tailored client recommendations across diverse planning areas, with implementation optional through various brokerage or advisory programs.

Scott Sinclair is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 43 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously spent seven years with Wells Fargo Advisors LLC. Outside of his advisory role, he is co-owner of Sinclair Sunwear, a family business specializing in hats and sales. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions grounded in modern portfolio theory and tailored to plan-specific objectives and risk tolerances.

Henry Korngut is a financial advisor at OSAIC with 37 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at American Portfolios Financial Services, Inc. and Pacific Wealth Group Inc. Outside of his advisory work, Korngut serves as treasurer and board member for Valley Girls Softball and is the managing director and sole owner of Golden Gate Financial Partners. He is also involved in divorce financial resolution services and acts as an independent insurance agent. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charities through a large network of affiliated advisors. The firm provides integrated brokerage, investment advisory, and financial planning services, utilizing asset-allocation tools and multiple investment platforms.

Brad Waitrovich is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. He holds a Series 66 designation and has worked at several firms including Merrill and Wells Fargo, as well as various J.P. Morgan and First Republic affiliates. 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 when recommending strategies.

Shawn Huynh is a financial advisor at J.P. Morgan Securities with 17 years of industry experience. He has worked at J.P. Morgan Chase Bank, N.A. and J.P. Morgan Securities since 2018, and previously held roles at Citigroup and UnionBanc Investment Services. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

John Kelly is a financial advisor with Wells Fargo Clearing in San Francisco, holding Series 63 and Series 66 licenses and 18 years of industry experience. He has worked at Wells Fargo Advisors LLC and Wells Fargo Clearing since 2009. Outside of his advisory role, he serves as a scoreboard operator for the Golden State Warriors. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering IPS-driven advisory services that include investment policy preparation, searches, recommendations, and participant education, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in their investment menus.