Jeffrey Gustafik is a financial advisor at Wells Fargo Clearing with 42 years of industry experience. He holds Series 63 and Series 65 credentials and has worked with Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with options including discretionary plan-level investment selection and a broad range of financial products, including insurance-related vehicles and bank deposit sweep programs.

Kenneth Sorensen is a financial advisor with Morgan Stanley in San Rafael, California, holding a Series 63 designation and bringing 36 years of industry experience. He has worked at Morgan Stanley Private Bank since 2015 and at Wells Fargo Advisors LLC since 2011. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs, including tailored financial planning that utilizes firm-approved planning tools and expert committee input.

Jin Cheng Wu is a financial advisor at Merrill with 10 years of industry experience. He holds Series 66 and Series 63 licenses and has worked at Bank of America, Merrill, JPMorgan Chase Bank, and JP Morgan Securities LLC. Outside of his advisory role, he is the sole owner of a rental property business. 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 investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Lance Mantle is a financial advisor at Fidelity with 11 years of industry experience. He holds a Series 66 designation and has worked at Fidelity Investments since 2022, following prior roles at Wells Fargo Clearing and Wells Fargo Advisors, LLC. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors, through a combination of proprietary research, quantitative analysis, and algorithmic portfolio construction. The firm also serves as an advisor to multiple registered investment companies and develops model portfolios for intermediary platforms.

Dwain Jefferson is a financial advisor at J.P. Morgan Securities with seven years of industry experience. He holds Series 66 and Series 63 designations and has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2015, as well as at Bank of America from 2018 to 2024. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm’s approach combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies, delivering services on a non-discretionary basis.

Matthew Cameron is a financial advisor at Wells Fargo Clearing with 26 years of industry experience. He holds Series 63 and Series 66 designations and has been with Wells Fargo Clearing and its related entities since 2014. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, delivering both discretionary and non-discretionary investment services. The firm’s advisory process 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.

Dorothy Lee is a financial advisor at LPL Financial with 19 years of industry experience. She holds Series 63 and Series 66 credentials and previously worked at National Planning Corporation for five years. Outside of advisory work, Lee serves as a financial executive and principal involved in fixed insurance products with Trilogy Financial Services Inc. and ACSIA Partners. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering a broad range of financial planning and investment services to individuals, retirement plans, banks, trust companies, and institutions. The firm provides access to model portfolios, third-party asset managers, and institutional platforms, supported by technology tools for operational and research purposes.

Leon Augustine is a financial advisor with Cambridge Investment Research Advisors in Oakland, CA, holding a Series 66 designation and 19 years of industry experience. He has been with Cambridge Investment Research Advisors and Cambridge Investment Research, Inc. since 2016. Outside of advisory work, Augustine is involved in tax preparation services and operates an independent insurance agency. Cambridge Investment Research Advisors is a large SEC-registered firm that serves a diverse client base, including individual investors, pension plans, charitable organizations, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement advisory services through a network of independent Financial Professionals, utilizing a variety of portfolio management approaches and custodial platforms.

Ashley De Benedetti is a financial advisor at Morgan Stanley with 16 years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley since 2018, following prior roles at Kestra Investment Services, LLC and Signator Investors Inc. 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 using firm-approved tools and models, managing approximately $2.74 trillion in client assets.

Stacie Giddings is a financial advisor at Charles Schwab with 18 years of industry experience. She holds Series 65 and Series 63 designations and has worked at several firms including Guardian Wealth Advisors and TD Ameritrade Institutional. 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 advisory models and access to discretionary separately managed accounts, supported by a centralized operational structure.

Elizabeth Murphy Jinich is a Series 66-licensed financial advisor with Merrill, based in Mill Valley, CA, and has 38 years of industry experience. She has been with Merrill since 1990. 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 a range of model-based and discretionary investment strategies managed by internal teams and third-party managers for individuals, high-net-worth clients, and institutions.

Jill Guintu is a financial advisor at OSAIC with over 31 years of industry experience. She holds the CFP® designation along with Series 63 and Series 65 licenses. Prior to joining OSAIC in 2023, she worked for SagePoint Financial, Inc. for 14 years. Outside of her advisory role, she is involved in essential oil product consulting and owns a yacht marketing and maintenance business. OSAIC Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charities through a large network of financial advisors. The firm offers integrated brokerage and advisory services, utilizing firm-provided tools and third-party platforms to manage portfolios that include various asset types across discretionary and non-discretionary accounts.

Jesse Johannesen is a financial advisor with MassMutual Investors Services in Walnut Creek, California, holding Series 66 and Series 63 licenses and having 10 years of industry experience. His prior work includes roles at Technology Opportunity Partners and Cowen and Company. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning, asset management, and educational seminars, structuring planning engagements as annual, collaborative relationships using firm-approved analytical tools.

Newton Ilawole is a financial advisor with OSAIC, holding Series 63 and Series 66 credentials and bringing 29 years of industry experience. His prior roles include positions at Royal Alliance Associates, Inc. and Signator Investors, Inc. Outside of his advisory work, he is an associate broker agent with Spec Homes Realtors on a limited, non-soliciting basis and operates as a general insurance agent selling fixed insurance products. OSAIC serves a diverse range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage, investment advisory, and financial planning services. The firm employs a variety of asset-allocation tools and third-party platforms to manage portfolios across multiple investment vehicles.

Irene Michael is a financial advisor at Morgan Stanley with 27 years of industry experience. She has been with Morgan Stanley since 2009 and holds a Series 66 designation. Outside of her advisory role, she owns the Lovers Point Inn hotel in Pacific Grove, CA. Morgan Stanley Wealth Management serves both individual and institutional clients, offering comprehensive financial planning and advisory programs supported by firm-approved planning tools and resources.

Asha Mendes is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and six years of industry experience. She has worked at Wells Fargo Bank, N.A. since 2016 and Wells Fargo Clearing since 2019. In addition to her advisory role, Mendes is a commissioned notary public in California. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s investment approach is IPS-driven and incorporates modern portfolio theory, with notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Chris Millis is a financial advisor with Merrill in Walnut Creek, CA, holding Series 63 and Series 66 designations and bringing 31 years of industry experience. He has been with Merrill since 1999. 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 individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Michael Olsen is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2016. He has over 20 years of experience working closely with clients and their families to help grow and protect their wealth, make well-informed investment decisions, and simplify their financial lives. Prior to his current role, he was Vice President at Fisher Investments from 2005 to 2016, and a Financial Adviser at American Express Financial Advisers from 2002 to 2005. Michael holds a California Insurance License, which supports his expertise in wealth planning and financial consulting. Outside of his professional work, he has personal interests that include beach activities, family activities, fitness, golf, parenthood, and traveling.

Leonard Tallerico is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has been with Merrill since 1985 and brings over 39 years of experience navigating client portfolios through various market cycles. Leonard employs a planning-based approach combined with discretionary portfolio management to assist clients in achieving their financial goals and objectives. Leonard’s expertise covers a broad range of client focus areas including college education planning, family wealth management strategies, retirement income, socially responsible and ESG investing, and portfolio management services. He integrates personalized wealth management strategies with insights from Merrill and lending solutions from Bank of America to create plans tailored to clients' priorities and aspirations. Leonard holds a Bachelor’s degree in accounting from Santa Clara University and began his career on the professional staff of Price Waterhouse in San Francisco from 1981 to 1985. He is a CERTIFIED FINANCIAL PLANNER® professional, CERTIFIED PLAN FIDUCIARY ADVISOR, Personal Investment Advisor, and Retirement Accredited Financial Advisor. In addition to his professional work, Leonard participates in community volunteer activities and values spending time with his family. His personal interests include golfing and hiking.

Michael Kinslow is a Wealth Management Advisor at Merrill Lynch Wealth Management. He focuses on providing comprehensive financial advice and wealth planning services to families, tailoring strategies to fit their unique ambitions and priorities. His expertise includes family wealth management strategies, liquidity management, personal retirement planning, portfolio management, individual and corporate investment strategy, and tax minimization. Michael holds an Associate's Degree from Diablo Valley College and has earned professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). He works closely with clients to create personalized plans that address goals such as funding education, planning for retirement and healthcare costs, and managing long-term family objectives. Outside of his professional role, Michael enjoys cooking, reading, traveling, watching movies, and spending quality time with his family, including his wife Michelle and their two daughters, Kylie and Addison.