Hyun Joo Park is a financial advisor at Mass Mutual Investors Services with 21 years of industry experience. She holds the ChFC® designation along with Series 63 and Series 65 licenses. Her prior experience includes 12 years at METLIFE Securities Inc. Park serves on the associate board of the Korean American Community Foundation. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that offers financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm uses detailed client data and approved analytical tools to deliver collaborative planning and offers a range of programs including employer-sponsored and estate-settlement planning.

Zhangde Lin is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 66 licenses and possessing two years of industry experience. Prior to joining Wells Fargo Advisors Financial Network in 2026, Lin worked at Merrill for eight years and has experience as a delivery and ride-share driver for several platforms including Uber, DoorDash, and Amazon. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, offering investment and fee-based financial planning services to individuals, trusts, and institutional clients through a wide range of planning options tailored to clients meeting specific net-worth thresholds.

Mark Mattingly is an International Wealth Advisor at Merrill Lynch Wealth Management, where he leads a team providing specialized wealth management solutions for corporate executives and plan sponsors. His focus includes equity compensation and stock plan services, leveraging the global resources of Bank of America and Merrill to deliver integrated advice tailored to complex financial strategies. Mark began his career in 1996 at Bear Stearns in Los Angeles and has over two decades of experience advising clients at firms such as JPMorgan and UBS in San Francisco. Since joining Merrill Lynch in 2017, he has concentrated on advising clients on optimizing stock-based compensation, managing concentrated positions, and integrating corporate benefits into disciplined long-term wealth strategies. His client focus areas include corporate benefits, executive compensation, equity compensation services, international wealth management, and portfolio management. He holds an Equity Plan Consultant (EPC) designation and is a Personal Investment Advisor (PIA). His education includes a High School Diploma from Lincoln High School, as well as non-accredited certificate programs from Delta College and California State University, Chico. Outside of work, Mark enjoys basketball, football, golfing, soccer, and tennis, and his family has resided in the Bay Area for 23 years.

Edwin Ngai is a financial advisor with Charles Schwab in Oakland, CA, holding Series 63 and Series 66 licenses with 29 years of industry experience. He has been with Charles Schwab since 1997. 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 client advisory with access to discretionary separately managed accounts, offering multi-asset model portfolios and alternative investment options supported by Schwab Center for Financial Research.

Isabel Flowers is a financial advisor at Fidelity with a Series 66 credential and one year of industry experience. Her prior work includes roles at BMO Bank, Macy's Inc., Qless, and Ismocol S.A. She is based in Walnut Creek, California. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage a range of portfolios, and holds distinct regulatory registrations uncommon among large institutional peers.

Calvin Hong is a financial advisor at Merrill with seven years of industry experience. He holds a Series 66 designation and has worked at both Bank of America, N.A. and Merrill since 2013. 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, offering model-based and discretionary strategies for a range of individual and institutional investors.

Manija Rasouli is a financial advisor at Merrill with eight years of industry experience. She holds Series 63 and Series 66 designations and previously worked at Citigroup and CitiBank. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services for Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Ashot Minasyan is a financial advisor with Equitable Advisors in Walnut Creek, CA, holding a Series 66 designation and nine years of industry experience. He has been with Equitable Advisors since 2017 and previously worked at AXA-Advisors, LLC, as well as in residential brokerage. Equitable Advisors serves individual clients, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients, offering financial planning, retirement plan consulting, and a range of asset-management programs through a network of Investment Adviser Representatives. The firm utilizes various advisory models including third-party TAMPs and provides ERISA fiduciary services to qualified plans.

Daniel Mckinney is a financial advisor with Morgan Stanley in Danville, CA, holding Series 65 and Series 66 licenses and 17 years of industry experience. His prior work includes roles at Merrill and Ameriprise. Morgan Stanley Wealth Management provides advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets through a structured planning process that utilizes firm-approved tools and methodologies.

Pema Tenzin is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 10 years of industry experience. Pema has been with Wells Fargo Clearing since 2016 and previously worked with Wells Fargo Advisors LLC and Wells Fargo Bank, N.A. No additional outside activities are noted. 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. The firm’s 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.

Joshua Villalta is a financial advisor with Charles Schwab in Walnut Creek, CA, holding Series 63 and Series 66 licenses and seven years of industry experience. Prior to Schwab, he worked at Wells Fargo and J.P. Morgan Securities. In addition to his advisory roles, he was briefly involved with Danville Brewing in 2021. 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, combining non-discretionary advisory with access to discretionary separately managed accounts and a formal alternative investment process.

Daryl Cisson is a financial advisor with Wells Fargo Clearing, holding a Series 66 credential and 24 years of industry experience. He has worked within the Wells Fargo organization since 2009, including prior roles at Wells Fargo Advisors LLC and Banc Of America Investment Services, Inc. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions supported by extensive research and analytics.

Wade Cheatham is a financial advisor at Charles Schwab with 18 years of industry experience. He holds CFP®, Series 63, and Series 66 designations. Wade has worked at Charles Schwab since 2007 and was previously employed at Charles Schwab Bank from 2011 to 2018. 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 discretionary separately managed accounts and offers a multi-asset investment approach supported by centralized custody and operational infrastructure.

Egan Brown is a financial advisor with Morgan Stanley in Oakland, CA, holding a Series 66 credential and nine years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2017 and previously worked at H&R Block. Outside of his advisory role, he owns and manages real estate investment activities. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers tailored financial planning and a range of advisory programs, managing approximately $2.74 trillion in client assets.

Madeline Jay is a financial advisor at Cetera with 41 years of industry experience. She holds the ChFC® designation and Series 63 and 65 licenses. Her prior work includes seven years at VOYA Financial Advisors and over five years at Cetera Wealth Services before joining Cetera. In addition to advising, she operates as an independent insurance agent. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, corporate, charitable, and institutional clients through a nationwide network of over 10,000 advisors. The firm offers a range of portfolio management, financial planning, and retirement plan services, with access to multiple program platforms and third-party money managers.

Karl Von Brockdorff is a financial advisor with Ameriprise, holding a Series 66 designation and 21 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Ameriprise provides retirement-income planning services primarily for clients with significant investable assets, combining research, modeling, and tax-efficiency analysis in its approach. The firm offers a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Chanda Leger is a financial advisor with Merrill, holding a Series 66 designation and 11 years of industry experience. She has worked at Merrill since 2013, with a brief tenure at Bofa Securities, Inc. in 2019. She serves on the Business School Advisory Council at Linfield University and is a member of the Court Sports Committee at Diablo Country Club. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for a range of individual and institutional investors.

Patricia Casentini is a financial advisor at Morgan Stanley with 34 years of industry experience. She holds a Series 63 designation and previously worked at First Republic Securities Company, LLC for 10 years. Casentini is based in Walnut Creek, CA. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process utilizes structured discovery conversations and advanced modeling tools but does not include individual security recommendations as part of standalone financial plans.

Emerald Bonansea is a Series 66-licensed financial advisor with seven years of industry experience. She has been with Mass Mutual Investors Services and MassMutual Life Insurance Company since 2019, with prior roles at MSI Financial Services, Inc. and MetLife Securities, Inc. Her current practice is based in Walnut Creek, California. Mass Mutual Investors Services operates as 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, using firm-approved software and collaborative client relationships to develop investment strategies.

Theodore Simos is a financial advisor with RBC Capital Markets in Walnut Creek, CA, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. His prior roles include positions at Merrill, Bank of America, and City National Bank. He serves on the board of The Good Shepherd Fund, an organization providing guardianship and trustee services for individuals with special needs and developmental disabilities. RBC Wealth Management, a division of RBC Capital Markets, offers a range of advisory programs to individual and institutional clients, utilizing both in-house and third-party investment managers to tailor strategies based on clients’ risk profiles.