John Aaron is a financial advisor at Cetera with 18 years of industry experience and holds a Series 66 credential. He has worked at multiple firms, including Avantax and Hawkes Hastings & Aaron Accountancy Corporation, where he provides accounting services and tax planning for individuals and businesses. Outside of advisory services, he is involved in mortgage origination and processing through Wymac Capital Mortgage. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base that includes individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a variety of investment management solutions through a multi-manager platform, supporting both discretionary and non-discretionary accounts with access to affiliated and third-party portfolio managers.

Andrea Devincenzi is a CFP® professional with 23 years of industry experience, currently affiliated with Wells Fargo Clearing since 2016. She holds Series 63 and Series 65 licenses and operates out of Walnut Creek, CA. 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 supported by research from Wells Fargo Investment Institute and third-party sources.

Steven Pugh is a financial advisor at OSAIC with 28 years of industry experience. He holds a Series 66 designation and previously worked at Lincoln Financial Advisors for 18 years and Mass Mutual Investors Services for one year. Outside of his advisory role, he serves as an assistant coach for a high school junior varsity baseball team and manages office duties at a dental practice. OSAIC Wealth serves a diverse client base that includes individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers brokerage and advisory services through a multi-advisor platform emphasizing model-based asset allocation, portfolio optimization, and a range of managed investment programs.

Mitchell Lum is a CFP® with four years of industry experience, currently serving as a financial advisor at Wells Fargo Clearing since 2021. His prior experience includes roles at Enfusion and time spent at the University of Illinois at Urbana-Champaign. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services grounded in an IPS-driven, modern portfolio theory approach. The firm’s offerings include investment policy statement preparation, performance reporting, participant education, and a broad range of investment options including insurance-related vehicles and bank deposit sweep programs.

Alexandra Pastor is a financial advisor at J.P. Morgan Securities with 24 years of industry experience. She holds Series 63, Series 65, and Series 66 licenses. Her prior experience includes roles at Wells Fargo Bank, Wells Fargo Clearing Services, and Fiduciary Trust Company International. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors, focusing on written asset allocation advice, investment manager searches, and customized performance reporting.

Pema Lakar is a financial advisor with UBS Financial Services in Walnut Creek, CA, holding a Series 66 designation and having 13 years of industry experience. She has been with UBS since 2015. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings. The firm combines institutional trading capabilities with wealth management services, providing tailored financial plans supported by proprietary research and model-based asset allocations.

Salomon Cazares is a financial advisor at J.P. Morgan Securities with seven years of industry experience. He holds the Series 63 and Series 66 credentials and has worked at various JPMorgan entities since 2016, including roles at Santa Clara County in 2018. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program. Their process combines quantitative and qualitative research to deliver asset allocation advice, investment manager searches, and customized performance reporting.

George Pieper is a financial advisor at J.P. Morgan Securities with Series 63 and Series 66 credentials and four years of industry experience. His prior work experience includes roles at First Republic Bank and Techtronic Industries in sales and finance capacities. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm employs a centralized due diligence process that combines quantitative and qualitative research and incorporates ESG considerations into its recommendations.

Nicholas Billeci is a Financial Consultant currently working at Fidelity Investments. He has been in this role since 2017. Prior to this, he served as an Investment Consultant at Fidelity Investments from 2015 to 2017, and as a Financial Advisor at Edward Jones from 2013 to 2015. His work centers on partnering with clients to create financial plans and investment strategies tailored to their unique family needs, emphasizing clear and timely communication. Nicholas holds a California Insurance License. Outside of his professional career, he has interests that include fitness, golf, movies, music, pets, and traveling.

Rico Rodriguez is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 designations and bringing 15 years of industry experience. He has been with J.P. Morgan in various capacities since 2012, including roles at JP Morgan Chase Bank, N.A., and J.P. Morgan Securities. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s approach combines quantitative and qualitative research with forward-looking capital market assumptions to build model portfolios, incorporating an ESG framework and offering broader derivatives and commodities capabilities.

Garrett Baker is a Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2013. In this role, he partners with clients to help them work toward their financial goals, focusing on areas such as investment strategy, retirement planning, and income protection. Prior to this, he worked as a Customer Relations Specialist II at Guidestone Financial Resources from 2011 to 2012. Garrett holds a Certified Financial Planner (CFP®) designation and maintains a California Insurance License. Outside of his professional responsibilities, he has personal interests that include baseball, biking, golf, family activities, and parenthood.

Richard Rosenberg is a financial advisor with LPL Financial in Walnut Creek, CA, holding a Series 66 credential and 30 years of industry experience. He has been with LPL Financial since 2010 and previously worked at Equitable Advisors from 2002 to 2004. Rosenberg is involved with Rosenberg Wealth Management as an investor relations representative. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions, offering a wide range of financial planning and investment management services through a large network of advisors.

Michael Olff is a CFP® professional with 18 years of industry experience. He has been with Cambridge Investment Research Advisors since 2010 and previously worked at Woodbury Financial Services and FSC Securities Corporation. Outside of his advisory work, he is involved in tax preparation through Strategic Tax & Financial Group and serves as president of Strategic Business Consultants. Cambridge Investment Research Advisors serves individual and institutional clients, including pension and charitable organizations, by offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm operates through a large network of financial professionals and provides access to multiple platforms and proprietary model strategies.

Eric Gross is a CFP® professional with 17 years of experience in the financial services industry. He is currently affiliated with Mass Mutual Investors Services in Pleasant Hill, CA, where he has worked since 2013. He also serves as president of his own investment advisory firm, Eric F Gross Inc, which he established in 2023. 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 detailed client data and analytical tools to deliver comprehensive financial plans, with additional offerings such as estate and employer-sponsored planning programs.

Chase Young is a financial advisor at OSAIC with 10 years of industry experience. He holds the Series 66 designation and has previously worked at Lincoln Financial Advisors, Mass Mutual Investors Services, and MetLife Securities. In addition to his advisory role, he is licensed to offer various insurance products, including accident, health, disability, long-term care, traditional life insurance, and annuities. OSAIC serves a diverse client base including retail and institutional investors, retirement plan sponsors, charities, and corporate clients. The firm employs a model-based investment process with tools for asset allocation and portfolio optimization, offering a range of brokerage and advisory services through a multi-advisor platform.

Michelle Dow is a financial advisor at Merrill with 13 years of industry experience. She holds a Series 66 designation and has been with Merrill since 2012. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using a mix of model-based and discretionary investment strategies.

Akash Chauhan is a Financial Consultant at Fidelity Investments, a role he has held since 2025. He began his career with Northwestern Mutual as a Financial Representative in 2021 and joined Fidelity Investments the same year. At Fidelity, he has served in multiple capacities including Relationship Manager, Planning Consultant, and Investment Consultant. As a Certified Financial Planner®, Akash works closely with clients to develop financial plans tailored to their specific needs and goals. He emphasizes understanding clients' current financial circumstances to present appropriate ideas and strategies. Akash holds a California Insurance License. Outside of his professional responsibilities, he has interests in baseball, comedy, food, football, and traveling.

Mohammad Reza Shabani is a financial advisor at J.P. Morgan Securities with 8 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at JPMorgan Chase Bank, N.A. and Wells Fargo in various roles since 2015. 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 within a non-discretionary framework. The firm supports its advisory process with centralized due diligence and incorporates ESG criteria into its recommendations.

Michael Peters is a financial advisor with Wells Fargo Advisors in Walnut Creek, CA, holding Series 63 and Series 65 credentials. He has 32 years of industry experience, including previous roles at Wells Fargo Clearing and Wells Fargo Investments, LLC. He also owns MJP Wealth Management LLC, an investment-related business based in San Francisco. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients, offering a broad range of investment and financial planning services. Its approach includes tailored recommendations supported by Wells Fargo research and planning tools, with clients having flexibility in how they implement advice.

Benjamin Broadley is a financial advisor with Fidelity Investments and holds a Series 66 designation. He joined Fidelity in 2025 and previously held academic roles at California State University, Chico, including work with the Department of Economics. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to both retail and institutional clients, employing a process that integrates fundamental research with quantitative analysis and algorithmic portfolio construction. The firm is notable for its advisory roles with registered investment companies and its use of algorithmic methods and AI in research.