Daniel Beltran is a CFP®-certified financial advisor with 21 years of industry experience, currently affiliated with LPL Financial. His prior work includes roles at United Planners' Financial Services of America and Vitucci & Associates. He also operates a business under the name Plantran Financial. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a diverse client base including individuals, retirement plans, banks, and charitable organizations. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management with access to model portfolios and research from multiple sources.

Michael Herberger is a financial advisor with Cetera, holding a Series 66 designation and 25 years of industry experience. He has worked at Cetera since 2021, previously serving at VOYA Financial Advisors and Osaic FA, Inc. Michael is also an independent insurance agent involved in the sales of fixed insurance products. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform that includes affiliated and third-party managers, with over $256 billion in assets under management across more than 10,000 advisors.

Alexander Binnie is a CFP®-designated financial advisor with Ameriprise, based in Orinda, CA, and has 35 years of industry experience. He has been with Ameriprise and its affiliate since 2005. Outside of his advisory role, he serves on the Board of Directors for Watchpoint Logistics and engages in freelance fiction and nonfiction writing. Ameriprise Financial Services is a large, diversified firm serving both individual and institutional clients. Its Premier Retirement Income service offers tailored retirement income planning through a written Recommendation Report and ongoing advice, with a focus on income sources and tax-aware withdrawal strategies.

Phil Park is a financial advisor at Morgan Stanley with eight years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2017, following a prior role at LendingClub. 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 tailored financial planning supported by structured discovery conversations and firm-approved planning tools.

Austin Batista is a financial advisor with Cetera, holding Series 63 and Series 66 credentials and bringing 16 years of industry experience. He has been with Cetera since 2019, following prior roles at Foresters Advisory Services LLC and Foresters Financial. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers diverse portfolio management and financial planning services through a multi-manager platform with access to affiliated and third-party managers, operating across various program structures and custodial relationships.

Ryan Duffy is a financial advisor with UBS Financial Services in Walnut Creek, CA, holding a Series 66 designation and eight years of industry experience. Prior to joining UBS in 2017, he worked in the beverage industry with Eight Bridges Brewing and Wine Warehouse. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, combining proprietary research and model-based asset allocations to tailor financial plans. The firm integrates institutional trading capabilities with wealth management services and offers a broad range of capital markets solutions.

Jourdan Erik Sy is a CFP® professional with 19 years of industry experience, currently serving as a financial advisor at Wells Fargo Advisors since 2014. He holds a California real estate broker license and is also a notary public. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and financial planning services to individuals, trusts, and institutional clients, offering a broad range of planning options tailored to client needs.

Maurice Storch is an International Wealth Advisor with Merrill Lynch Wealth Management. He leads a team of investment professionals, leveraging the global banking resources of Bank of America alongside Merrill Lynch’s investment capabilities to deliver comprehensive wealth management services to plan sponsors and corporate executives. With 23 years of experience in the financial services industry, Maurice joined Merrill Lynch in September 2017. His expertise includes corporate benefit programs, such as Stock Plans, and he assists clients in integrating these benefits into long-term financial strategies centered on risk management. Maurice holds the designations of Equity Plan Consultant (EPC) and Personal Investment Advisor (PIA). He earned a High School Diploma from Rio Mesa High School and attended the California State University System without receiving a degree.

Delaney Dunn is a Financial Advisor with the Dunn Scott Group at Merrill Lynch Wealth Management. She works with successful individuals, executives, and business owners to simplify complex financial decisions and align strategies with their long-term goals. Her advisory focus includes retirement planning, wealth transfer strategies, business transitions, and other significant financial decisions. Delaney holds a Bachelor's Degree from the University of Alabama System and has earned professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). She plays an active role in the leadership and growth of the Dunn Scott Wealth Management Group, which has been providing personalized advice and client service since 1985. The team oversees more than $4 billion in client assets as of 2026. Outside of her advisory work, Delaney serves as Vice President of the Women's Exchange at Merrill, San Francisco East Bay. Her personal interests include camping, cooking, reading, spending time with family, and traveling.

Jacob Figueira is a CFP® professional with 18 years of industry experience, currently with Charles Schwab in Walnut Creek, CA. He has worked at Charles Schwab and Charles Schwab Bank SSB since 2019 and previously held roles at TD Ameritrade and Scottrade. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, through the Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and employs multi-asset model portfolios with strategic asset allocation and alternative investment options.

Cade Mayer is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 66 credentials and four years of industry experience. Prior to his current role, he worked at Lululemon for three years and served as an independent golf instructor for two years. He is involved with Protected Investors of America in a marketing capacity. Cambridge Investment Research Advisors serves a diverse client base, including individuals, retirement plans, charitable organizations, and trusts, providing financial planning, investment management, and retirement plan advisory services through a network of independent professionals. The firm offers a range of investment solutions, including proprietary models and access to unaffiliated strategists, with both discretionary and non-discretionary management tailored to client goals.

Ian Tang is a Senior Financial Advisor with Merrill Lynch Wealth Management. He specializes in education planning, managing new wealth, personal retirement planning, and tax minimization. Ian works closely with clients to develop personalized financial strategies aimed at helping them pursue their long-term goals. He holds a Bachelor's Degree from the California State University System and holds the Professional Investment Advisor (PIA) designation. Ian also engages in community service through volunteer work, reflecting the Merrill tradition of local involvement. Outside of his professional role, he enjoys fishing, golfing, softball, and spending time with his family.

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® with 23 years of industry experience, currently serving as a financial advisor at Wells Fargo Clearing since 2016. Prior to this, she worked at Wells Fargo Advisors LLC for seven years. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm’s advisory approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Steven Pugh is a financial advisor at OSAIC with 27 years of industry experience. He holds a Series 66 designation and previously worked for Lincoln Financial Advisors for 18 years. Outside of his advisory role, he serves as an assistant coach for a junior varsity high school baseball team, providing coaching and sportsmanship instruction. OSAIC serves a wide range of clients, including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and investment advisory services, utilizing asset-allocation tools and third-party managers to construct diversified portfolios.

Michelle Bricker is a financial advisor at LPL Financial with 22 years of industry experience. She holds Series 63 and Series 65 credentials and has worked at LPL Financial since 2020. Prior to that, she was with Transamerica Capital Inc and Invesco Advisers, Inc. and Invesco Distributors, Inc. for a combined eight years. 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, retirement plan consulting, and brokerage services supported by various model portfolios and research resources.

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 23 years of industry experience. She holds Series 63, 65, and 66 licenses and has previously worked at Wells Fargo Bank, Wells Fargo Clearing Services, and Fiduciary Trust Company International. 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 through a non-discretionary program supported by an in-house manager solutions team and centralized due-diligence framework.

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.

George Pieper is a financial advisor at J.P. Morgan Securities with Series 63 and 66 licenses and three years of industry experience. He has worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A., as well as First Republic Bank and Techtronic Industries in sales roles. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a team of Wealth Advisors. The firm combines large institutional advisory operations with broker-dealer, investment adviser, and futures commission merchant registrations.