Nihn Huang is a Wealth Management Advisor at Merrill Lynch Wealth Management, a role he has held since 2011. He holds the CERTIFIED FINANCIAL PLANNER® (CFP®) certification and the Personal Investment Advisor (PIA) designation. Nihn graduated from Indiana University with dual majors in Finance and International Business. Drawing on his international experience as an Investment Banker and Auditor, Nihn develops goals-based wealth strategies and custom-managed portfolios. He works with clients on a variety of financial objectives, including legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, socially responsible investing, individual and corporate investment strategy, tax minimization, and retirement income. In 2023, he was recognized on the Forbes "Top Next-Generation Wealth Advisors Best-in-State" list. Outside of his professional duties, Nihn is active in his community through involvement with the Alameda County Community Food Bank and Habitat for Humanity East Bay/Silicon Valley. He has coached youth basketball in the San Ramon Valley and volunteers at various local events linked to his children’s activities. His personal interests include chess, running marathons, spending time with his family, traveling, and pursuing the completion of the seven Abbott World Marathon Majors.

Jeffrey Rodvien is a financial advisor at RBC Capital Markets with 26 years of industry experience. He holds a Series 66 designation and has worked at City National Bank, Bank of America, Merrill, Oppenheimer, and Morgan Stanley. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers various advisory programs that provide portfolio management, financial planning, custody, and brokerage services, employing tailored strategies through a combination of in-house and third-party investment managers.

Justin Crocker is a financial advisor at Morgan Stanley in Walnut Creek, CA, with 24 years of industry experience. He holds a Series 66 license and has worked at Morgan Stanley since 2017, following an 18-year tenure at UBS Financial Services. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including financial planning supported by firm-approved tools and modeling techniques, managing approximately $2.74 trillion in client assets.

Bhriyesh Zaver is a financial advisor with Charles Schwab holding a Series 66 designation and three years of industry experience. Prior to his current role, he worked at The Vanguard Group and has held various positions across different sectors. 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 using multi-asset model portfolios and maintains a large-scale, integrated structure supporting hundreds of thousands of clients.

Diva Helmy is a Series 66-licensed financial advisor with Morgan Stanley in Walnut Creek, CA, bringing six years of industry experience. Prior to her current role at Morgan Stanley Private Bank and Morgan Stanley Smith Barney, she worked at Tiny Techies, Beauty Brands, and the University of Bergen. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and delivers services through both individual and corporate financial planning agreements.

Daniel Dennehy is a financial advisor at UBS Financial Services with two years of industry experience. He holds the Series 66 designation and has worked previously at California Financial Advisors and Primos Pizzeria & Pub. Prior to his advisory career, he spent time at San Diego State University and in various other roles. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining proprietary research and model-based asset allocations to tailor financial plans. The firm integrates institutional trading capabilities with wealth management services, providing a broad range of financial solutions.

James Brandt is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and 38 years of industry experience. His prior roles include positions at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advisory services. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broad range of financial products, such as insurance-related vehicles and bank deposit sweep options.

Shampy Prakash is a financial advisor at Wells Fargo Clearing with 11 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Wells Fargo Clearing and Mass Mutual in various capacities since 2013. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broad range of financial products, such as insurance-related vehicles and bank deposit sweep options.

Timothy Stevko is a CFP® and holds a Series 66 designation, with 11 years of industry experience. He has been with Edward Jones since 2014. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, access to separately managed accounts, and affiliated mutual funds, managing approximately $1.01 trillion in assets.

Branden Howard is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and five years of industry experience. He has worked at Wells Fargo Clearing since 2020 and has been with Wells Fargo Bank, N.A. since 2010. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary advisory options. The firm’s process is IPS-driven and grounded in modern portfolio theory, incorporating a broad range of investment products including insurance-related vehicles and bank deposit sweep options.

Laura Pascoe is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 17 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2011 to 2016. Outside of her advisory role, she is an independent consultant for Usborne Books. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s IPS-driven advisory process includes investment policy statement preparation, investment recommendations, performance reporting, and participant education, with a broader investment menu including insurance-related vehicles and bank deposit sweep options.

April Machado is a financial advisor at Morgan Stanley in Oakland, CA, with 17 years of industry experience. She has been with Morgan Stanley since 2014 and holds Series 63 and Series 66 licenses. Morgan Stanley Wealth Management serves individual and institutional clients with a variety of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and uses structured planning processes supported by firm-approved tools and scenario modeling.

Jerome Baird is a financial advisor at LPL Financial with 30 years of industry experience. He holds the Series 63 and Series 65 credentials and has worked at LPL Financial since 2010, following prior roles at Wells Fargo Clearing, Prudential Equity Group, and Citigroup Global Markets. Outside of his advisory role, he is involved with Elegant Stay, LLC, a real estate rental business in Tahoe City, CA. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by a network of more than 22,800 advisors and over $819 billion in discretionary assets.

Jaxon Kwong is a financial advisor at Morgan Stanley in Walnut Creek, CA, with six years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley since 2019, following prior roles at Bank of America, Panda Express, Bema Electronics, UC Santa Cruz, and JT Products. Outside of his advisory work, he is involved with Suju Inc. and JETA, LLC, both investment-related businesses in Fremont, California. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and serves clients through personalized financial plans as well as corporate financial planning arrangements.

Paul Boscia is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. He has been with Wells Fargo-affiliated firms since 2005. Outside of his advisory work, he is a 25% owner of La Cienega Gun Club LLC. 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 employs over 14,000 advisors and manages approximately $671 billion in assets, offering both brokerage and advisory solutions supported by research and analytics.

Simone Lane is a financial advisor with Cetera, holding a Series 66 designation and 13 years of industry experience. She is the owner of Lobdell & Lane Wealth Management and serves as a consultant for Bespoke Budgeting, providing education and teaching services. Cetera Investment Advisers LLC is a nationwide network of independent advisors serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to various third-party money managers.

Kathleen Ladra is a CFA® charterholder with 20 years of industry experience. She is currently with Cambridge Investment Research Advisors and has previously worked at Securities America Advisors, Omega Investment Management, and Cooper Mcmanus. Outside of her advisory role, Ladra serves as president of the Animal Coalition Group, a nature-focused organization. Cambridge Investment Research Advisors is a large SEC-registered firm that serves a diverse client base including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, retirement plan advisory, and financial-wellness services through a network of independent Financial Professionals using a variety of portfolio management and model-based solutions.

Ricardo Guedes is a financial advisor at Merrill with seven years of industry experience. He holds a Series 66 designation and has worked at Bank of America, N.A. since 2019 and Merrill since 2017. Prior to that, he had brief tenures at New York Life and a period of unemployment. 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. The firm offers model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Phillip Mortensen is a financial advisor with Charles Schwab, holding Series 63 and Series 65 credentials and 13 years of industry experience. He has been with Charles Schwab and Charles Schwab Bank since 2015. Outside of his advisory work, he is involved in a small Airbnb rental business. 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 non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers a multi-asset investment approach supported by in-house research and a formal alternative investment program.

Glenn Hammill is a financial advisor with OSAIC in Walnut Creek, CA, holding a Series 66 designation and 14 years of industry experience. Prior to joining OSAIC in 2025, he spent 13 years at Lincoln Financial Advisors Corporation. Hammill is also president of Hammill Consulting, a professional corporation he founded in 1991 that provides accounting, tax planning, and business management services. He holds a secondary role as an insurance agent offering various health and life insurance products. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisers and multiple advisory platforms. The firm offers comprehensive brokerage and investment advisory services, utilizing asset-allocation tools, efficient-frontier analysis, and automated rebalancing to manage portfolios that may include stocks, bonds, options, mutual funds, ETFs, and alternative investments.