Silvia Duda is a financial advisor with UBS Financial Services in Walnut Creek, CA, holding a Series 66 designation and 12 years of industry experience. She has worked at UBS since 2015, including her current role beginning in 2023. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services. The firm combines institutional trading capabilities with wealth management, offering proprietary research, model-based asset allocations, and fiduciary fee-based financial planning.

Steven Peltz is a CFP® with 25 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously spent five years at Morgan Stanley DW Inc. Outside of his advisory role, he coaches youth soccer with the Cayo Mustang Soccer League. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with a broad range of investment advisory, financial planning, and retirement consulting services, supported by extensive research and analytics.

Styles Scroggins is a financial advisor at Fidelity with a Series 66 designation and less than one year of industry experience. Prior to joining Fidelity, Scroggins held roles at Morgan Stanley, Northwestern Mutual, and worked for four years with Rover and the US Marine Corps. Fidelity, through its Strategic Advisers LLC division, offers investment management and advisory services to a diverse client base including retail and institutional investors, employing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios across mutual funds, ETFs, and ETPs.

Theodore Tellefsen is a financial advisor at J.P. Morgan Securities with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at J.P. Morgan Chase Bank and J.P. Morgan Securities since 2019. Prior to that, he was employed at Lincoln Financial Advisors Corporation from 2014 to 2018. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process is supported by centralized due diligence and incorporates both quantitative and qualitative research.

Oswaldo Hernandez is a financial advisor with Morgan Stanley in Walnut Creek, CA, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. Prior to joining Morgan Stanley, he worked at E*TRADE Capital Management LLC and E*TRADE Securities LLC for several years, as well as OptionsHouse. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by firm-approved tools and models, with approximately $2.74 trillion in client assets under management.

Abby Honerkamp is a Series 66-registered financial advisor with Charles Schwab in Berkeley, California, and has 17 years of industry experience. She has been with Charles Schwab since 2012. 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 multi-asset model portfolios supported by research from the Schwab Center for Financial Research.

Charles Zheng is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 18 years of industry experience. His career includes positions at J.P. Morgan Securities, Chase Investment Services, Morgan Stanley, and Wells Fargo Investments. Outside of finance, he owns and operates Lighthouse World Collectibles LLC, a business focused on buying and selling sports collectibles. 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 research from Wells Fargo Investment Institute.

Philip Curran is a CFP® professional with 35 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously held positions at Morgan Stanley and its affiliates from 1998 to 2013. 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 manages approximately $671 billion in assets and offers a combination of brokerage and advisory solutions supported by research from the Wells Fargo Investment Institute.

Roderick Webb is a financial advisor with Morgan Stanley in Walnut Creek, CA, holding Series 63 and Series 65 credentials and 27 years of industry experience. Prior to joining Morgan Stanley Smith Barney LLC in 2023, he worked at E*TRADE Capital Management and E*Trade Securities from 2015 to 2023. Outside of finance, he owns NOLA Music Studios, a recording studio in South San Francisco. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs and tailored financial planning services supported by structured discovery and firm-approved planning tools.

Christina Pacheco is a financial advisor with Cetera, holding a Series 66 designation and bringing 10 years of industry experience. Her career has included various roles within Cetera and related entities since 2015, as well as positions at LPL Financial and AssetMark Financial. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients through a large nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform that includes affiliated and third-party model portfolios and strategies.

Richard Strand is a Wealth Management Advisor at Merrill Lynch Wealth Management. He works with individuals, families, business owners, and foundations, providing customized financial and wealth management strategies. With over 25 years of experience, Richard focuses on helping clients attain their financial goals through personalized planning. His expertise covers all aspects of the wealth management process, including retirement planning, tax minimization, portfolio construction, liability management, and estate and asset preservation. Richard holds an MBA in Finance from St. Mary's College in Moraga and a bachelor's degree in Finance from California State University Chico. He has earned professional designations as a Certified Investment Management Analyst (CIMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Richard resides in Alamo, California, with his wife Erin and their three children. He is actively involved in the community and enjoys biking, golfing, music, and traveling.

Mallory Dinis is a financial advisor at Edelman Financial Engines with 14 years of industry experience. She holds Series 63 and Series 65 licenses. Her prior roles include positions at Financial Engines Advisors L.L.C., Financial Engines Advisor Center, LLC, and The Mutual Fund Store. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm employs a committee-driven proprietary modeling process combined with planner delivery and online tools, offering both discretionary and non-discretionary investment solutions.

Luke Andreassen is a financial advisor at Charles Schwab with 19 years of industry experience. He holds a Series 66 designation and has worked at Charles Schwab and Charles Schwab Bank since 2018, with prior experience at TD Ameritrade and Scottrade. Outside of his advisory role, he is listed as an owner of Rendezvous North Beach, a business started by his wife. Charles Schwab serves a large client base primarily composed of 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 solutions supported by multi-asset model portfolios, due diligence on alternative investments, and an integrated operational structure.

Samuel Scavone is a financial advisor at J.P. Morgan Securities in Walnut Creek, California, holding a Series 66 credential. He has been with J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2026. His prior experience includes roles at Fastpost LLC and Stoneridge Creek Retirement. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. The firm focuses on written asset allocation advice, investment manager and fund searches, and customized performance reporting within a non-discretionary advisory framework.

Raymond Gibson is a Series 65–licensed financial advisor with Equitable Advisors in Walnut Creek, CA, where he has worked since 1999. He has 39 years of industry experience and previously worked with Axa Advisors, LLC for 21 years. Equitable Advisors serves a wide range of clients, including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and various asset-management programs, utilizing a network of Investment Adviser Representatives and both proprietary and third-party advisory solutions.

Denise Erdem is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. She has been with Wells Fargo Clearing since 2016. Outside of her advisory role, she serves as a notary public in Clayton, CA. 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 a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party databases.

Chris Held is a financial advisor with LPL Financial in Walnut Creek, CA, holding CFP® and Series 66 credentials and bringing 22 years of industry experience. His prior roles include positions at Morgan Stanley Private Bank and Morgan Stanley Smith Barney, as well as Wells Fargo Clearing and Wells Fargo Investments. 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 portfolio programs, and institutional platforms, supported by a large network of advisers and advanced operational tools.

Louisa Sakkis is a financial advisor at Stifel with 21 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Stifel Nicolaus since 2011. Stifel serves a diverse client base, including individuals, institutional clients, and charitable organizations, offering both brokerage and investment advisory services. The firm’s investment approach utilizes a proprietary methodology developed by its Investment Strategy Group, focusing on forward-looking capital market assumptions and probabilistic modeling to guide asset allocation and planning.

Simon Knight is a Series 66-registered financial advisor with Edward Jones, based in Alamo, CA, and has one year of industry experience. He worked for Easter Seals Northern California/Catalight for ten years prior to joining Edward Jones. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment strategies supported by a nationwide network of more than 23,700 financial advisors.

James Carbonell is a financial advisor with RBC Capital Markets in Walnut Creek, CA, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. His career includes roles at City National Bank, Wells Fargo Clearing, Wells Fargo Investments, PNC Wealth Management, and J.J.B. Hilliard, W.L. Lyons. Outside of his advisory work, Carbonell is involved in youth lacrosse organizations as a coach and board member. RBC Wealth Management, a division of RBC Capital Markets, serves a wide range of clients including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers a variety of advisory programs with tailored investment strategies implemented through both in-house and third-party managers, supported by extensive capital markets and asset management resources.