John Mensendiek is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. His prior work includes positions at VOYA Financial Advisors and Cetera Wealth Services. Outside of advising, he is an independent insurance agent specializing in fixed insurance sales. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutions. The firm offers a multi-manager platform with a range of portfolio management and financial planning services, supported by a network of over 10,000 advisors and more than $256 billion in assets under management.

Steven Richardson is a financial advisor with LPL Financial and holds a Series 63 designation. He has 38 years of industry experience, including prior roles at Merrill from 1988 to 2018 and Bank of America, N.A. from 2011 to 2018. He has been with LPL Financial since 2018. 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, and retirement consulting, utilizing discretionary and non-discretionary management alongside model portfolios and research from multiple sources.

Benjamin Horn is a financial advisor with Osaic, holding Series 63 and Series 65 licenses and bringing 19 years of industry experience. He previously worked at Lincoln Financial Advisors for 22 years before joining Osaic in 2025. In addition to his advisory role, Horn offers various insurance products including accident/health, disability, fixed/indexed annuities, long-term care, traditional life insurance, and Medicare supplement plans. Osaic Wealth, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, employing asset-allocation tools and risk assessments to manage portfolios across multiple asset classes with options for discretionary or non-discretionary management.

John Hutchinson is a CFP® professional with 30 years of industry experience, currently serving as a financial advisor at Raymond James & Associates since 2025. He spent 14 years at Stifel Nicolaus & Co Inc prior to his current role. Outside of his advisory work, he serves as co-executor and acting trustee for a family trust, managing related fiduciary responsibilities. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base—including individuals, institutions, and municipal entities—and offers a range of financial planning, advisory, and consulting services supported by various portfolio management styles and affiliated research resources.

Samir Arora is a Financial Solutions Advisor at Merrill Lynch Wealth Management. In this role, he works closely with clients to define their financial goals and develop portfolio strategies tailored to their individual needs. He provides ongoing advice and adjusts these strategies as clients’ circumstances evolve. Samir has expertise in general investing, retirement planning, and preparing for unexpected financial needs. He holds several professional designations, including Accredited Asset Management Specialist (AAMS), Accredited Wealth Management Advisor (AWMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). He also completed an Accredited Certificate Program at the University of Pune. Samir communicates fluently in English, Hindi, Punjabi, and Urdu.

Brian Ingebretsen is a financial advisor at LPL Financial with four years of industry experience. He holds the Series 66 designation and previously worked at Wells Fargo Clearing and Wells Fargo Bank. Prior to his advisory career, he held various roles including positions at Total Wine and More and Safeway. 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 financial planning and advisory programs, including discretionary and non-discretionary management supported by model portfolios and research from both internal and third-party sources.

Dawn Burton is a financial advisor with Primerica Advisors in San Ramon, CA, holding Series 63 and Series 65 designations and bringing 42 years of industry experience. She has worked with Primerica Advisors since 1982 and Primerica Financial Services since 1991. In addition to advisory services, she is involved in the sale of investment-related products and receives compensation for referrals of home security and automation products through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and separately managed account options to individual and high-net-worth clients. The firm utilizes third-party asset managers and oversees model implementation with an operational model that includes percentage-based wrap fees and ongoing manager oversight.

Bill Houghton is a financial advisor at Wells Fargo Advisors with over 40 years of industry experience. He previously worked at Morgan Stanley and Wells Fargo Clearing. Outside of his advisory role, he is a golf instructor based in Plano, Texas, and holds an ownership interest in a family investment partnership. Wells Fargo Advisors Financial Network serves individual, trust, and institutional clients by providing investment and fee-based financial planning services. The firm offers a broad range of planning services tailored to clients who meet a net-worth threshold, including specialized areas such as business-owner transition and special-needs analysis.

David Parker is a financial advisor with Edward Jones in Danville, CA, holding a Series 66 designation and over 15 years of industry experience. He has been with Edward Jones since 2010. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a range of advisory programs and investment strategies supported by a network of approximately 23,701 financial advisors and 15,121 branch offices nationwide.

Donald Frank III is a financial advisor at Wells Fargo Clearing with a Series 66 credential and one year of industry experience. His prior work includes roles at Moraga Country Club and Safeway. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, retirement plan consulting, and brokerage services. The firm manages approximately $671 billion in assets across more than 14,000 financial advisors and utilizes research and analytics to inform investment decisions.

Lata Malla is a financial advisor at Merrill with six years of industry experience. She holds a Series 66 designation and has worked at Merrill since 2017. Prior to that, she was employed at Bank of America and held academic roles at California State University, East Bay and College of San Mateo. 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 individual, high-net-worth, pension, corporate, and charitable clients with model-based and discretionary investment strategies developed by internal and third-party managers.

Wilko Schutzendorf is a financial advisor with LPL Financial in Walnut Creek, CA, holding a Series 66 credential and bringing 15 years of industry experience. He has worked at Becker Financial Group and LPL Financial since 2011 and has been involved with Prudentia Franciscan Properties since 2004. In addition to his advisory work, he is a licensed real estate agent with Berkshire Hathaway Home Services-Franciscan Properties. 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 provides a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Brian Coburn is a Financial Advisor at Merrill Lynch Wealth Management. He specializes in personalized comprehensive wealth management solutions, including banking, lending, investing, and insurance. His work focuses on helping clients pursue personal goals such as college education planning, retirement planning, and retirement income management. Brian holds a bachelor's degree from the University of California at Berkeley, where he also participated in baseball as a player and volunteer assistant coach. He earned a master's degree in educational instruction from Saint Mary's College. Before transitioning to financial advising, he spent twenty years teaching chemistry and serving as a baseball coach. Brian holds professional designations including CERTIFIED FINANCIAL PLANNER (CFP), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Outside of his professional career, Brian has served as president of the Stone Valley Education Fund and worked as a tutor for College is Real. He lives in the East Bay with his wife Lee Ann, the Managing Director and founder of The Coburn Team, and their two daughters. His personal interests include traveling with family, golfing with friends, and reading.

Ahamad Shaghassi is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. Prior to joining Fidelity, he worked at TEKsystems, Inc. and has held self-employed roles. He is a silent partner and sublessor at ZS Bros Partners, where he manages property-related responsibilities. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a broad client base, including retail and institutional investors, and employs a systematic investment process combining fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its advisory roles to multiple registered investment companies and use of advanced technologies in portfolio management.

Jordan Taylor is a financial advisor at J.P. Morgan Securities with 16 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at JPMorgan Chase Bank, NA since 2014 and J.P. Morgan Securities since 2012. 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 select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage and investment management capabilities.

Kuang Te is a financial advisor with LPL Enterprise and holds a Series 66 designation. He has 18 years of industry experience, including roles at Prudential Insurance Company of America and Pruco Securities, LLC. He is currently based in Pleasant Hill, CA. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm provides financial planning, advisory services, brokerage and insurance products, and utilizes model portfolios and third-party asset managers within its integrated platform.

Kym Zilk is a financial advisor at Fisher Investments with 22 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Fisher Investments since 2004. Fisher Investments serves a global mix of institutional and private clients, including pension plans, foundations, investment companies, and high-net-worth individuals, offering discretionary portfolio management across equity, fixed-income, and blended mandates. The firm employs a centralized Investment Policy Committee that uses quantitative and qualitative research to construct diversified portfolios and implements tax-aware strategies and defensive tactics to manage risk.

Norman Kwong is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 16 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at WELLS FARGO Advisors, LLC from 2014 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non‑qualified deferred compensation plans, offering both non‑discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Nicholas Linton is a CFP® and CFA® with 13 years of industry experience. He is currently with Raymond James & Associates and has previously worked at firms including Summit Financial Group LLC, Securian Financial Services Inc, and LPL Financial, LLC. His background also includes experience in the insurance sector and a role at Lyft. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and municipal entities, offering financial planning and consulting with a range of portfolio management styles and affiliated research resources.

Austin Ballard is a financial advisor with Morgan Stanley in Walnut Creek, CA, holding a Series 66 designation and seven years of industry experience. His career includes roles at Morgan Stanley’s Private Bank and other Morgan Stanley divisions since 2018, with prior work experience outside finance at ColdStone Creamery. Morgan Stanley Wealth Management serves individual and institutional clients with a wide range of advisory programs, including customized financial planning supported by firm-approved tools and investment modeling techniques.