Sandra Gonzalez Vargas is a financial advisor with LPL Financial, holding a Series 66 designation and six years of industry experience. Her prior roles include positions at Patelco Credit Union, CUSO Financial Service, LP, and State Farm Insurance. She is involved with Patelco Financial Solutions, a related business entity connected to her LPL activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a broad range of advisory and brokerage services, utilizing model portfolios, third-party subadvisors, and customized strategies supported by advanced operational tools.

Richard Sullivan is a financial advisor with MassMutual Investors Services in Walnut Creek, CA, holding a Series 66 designation and 43 years of industry experience. He has been with MassMutual Life Insurance Company and MML Investors Services, Inc. since 1996. In addition to his advisory role, he works as a life and health insurance agent. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser offering financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm uses firm-approved software and collaborative annual planning to provide tailored recommendations across various investment categories.

Cindy Lee is a financial advisor at Morgan Stanley with 24 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, Bank of America, and Merrill. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools such as Monte Carlo simulations and Secular Return Estimates in its advisory process.

Tillman Pugh is a financial advisor with Mass Mutual Investors Services in Walnut Creek, CA, holding Series 63 and Series 65 designations and over 40 years of industry experience. His career includes long tenures with Metlife Securities Inc. and United Resources Insurance Services. He has been with Mass Mutual Investors Services since 2017. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational programs, structuring advisory engagements as ongoing, collaborative relationships focused on client goals.

Zachary Van Blake is a financial advisor at Wells Fargo Clearing with 15 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Wells Fargo Clearing since 2016. 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 both brokerage and advisory solutions.

Andrea Roth is a financial advisor based in Walnut Creek, CA, affiliated with Wells Fargo Clearing. She holds a Series 66 designation and has 17 years of industry experience, including roles at Wells Fargo Clearing since 2016 and UBS Financial Services from 2009 to 2012. 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 range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute.

Braden Watson is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. Prior to joining Fidelity, he held various roles including multiple positions at Pace University and six years with the Berkeley Unified School District. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, leveraging a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios including mutual funds, ETFs, and ETPs. The firm is noted for its use of systematic methodologies, AI-driven research, and its advisory role to multiple registered investment companies and fund-of-funds.

Randall Robertson is a financial advisor with Cambridge Investment Research Advisors in Pleasanton, CA. He holds Series 63 and Series 65 licenses and has 12 years of industry experience. Prior to his current role at Cambridge, he worked for List Alliance, Inc. for 15 years. Cambridge Investment Research Advisors serves a diverse client base including individual, pension, and charitable organizations by providing financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm supports both discretionary and non-discretionary management across multiple platforms and offers proprietary model strategies under the Founders Gate Capital brand.

Sherri Omdahl is a financial advisor with Morgan Stanley in Pleasanton, CA, holding Series 63 and Series 65 licenses and 34 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2009 and Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs and financial planning services supported by structured discovery and advanced modeling tools.

James Griffith is a financial advisor at Fidelity with 31 years of industry experience. He holds the Series 63 and Series 65 designations and has worked in various roles within Fidelity and its affiliates since 2015. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm combines proprietary fundamental research with quantitative analysis and algorithmic portfolio construction to deliver model portfolios and specialized advisory services.

Victor Lee is a CFP® professional with 19 years of experience in the financial services industry. He has been with Mass Mutual Investors Services since 2017 and has worked at Massachusetts Mutual Life Insurance Company since 2016, following a ten-year tenure at MetLife Securities INC. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars, using firm-approved software and collaborative planning to deliver written recommendations tailored to clients' goals.

Charles Tyler is a financial advisor with Cambridge Investment Research Advisors, Inc., holding Series 63, 65, and 66 licenses and bringing 33 years of industry experience. His career includes roles at Merrill and Capital Planning Partners, where he serves as CIO. Tyler also works as an independent insurance agent. Cambridge Investment Research Advisors serves individual and institutional clients, including pension and charitable organizations, providing financial planning, investment management, retirement-plan advisory, and wrap-fee programs across multiple platforms and custodians.

Quan Vu is a financial advisor at Edward Jones with six years of industry experience. He holds a Series 66 designation and has worked at Edward Jones since 2019. Prior to that, he was with Bank of America and the University of San Francisco. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds.

Steven Ng is a financial advisor at Merrill with Series 63 and Series 65 licenses and two years of industry experience. Before joining Merrill and Bank of America in 2025, he worked at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities from 2023 to 2025, and spent seven years at Vontobel Wealth Management in Hong Kong from 2015 to 2022. 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 both model-based and discretionary strategies designed by internal CIO teams and third-party managers for a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Michelle Phradichith is a financial advisor at Charles Schwab with eight years of industry experience. She holds Series 63 and Series 66 designations and has worked at Charles Schwab since 2025, following several years at Fidelity Investments and other firms. Charles Schwab 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 blend of non-discretionary and discretionary investment options supported by centralized operations and a formal alternative-investment process.

Benjamin Hanley is a financial advisor with Morgan Stanley in Oakland, CA, holding Series 63 and Series 65 licenses and possessing 14 years of industry experience. He has worked at Morgan Stanley since 2012. Outside of his advisory role, he owns a rental property in Napa, California. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and scenario modeling in its financial planning process.

Eric Pearson is a financial advisor with Merrill in Walnut Creek, CA, holding a Series 66 designation and 20 years of industry experience. He has been with Merrill since 2009. 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 various model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Melanie Foster is a financial advisor at Wells Fargo Clearing with 17 years of industry experience. She holds the Series 63, Series 65, and Series 66 designations and previously worked at Bank of America and Merrill. 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 both brokerage and advisory solutions supported by research from the Wells Fargo Investment Institute.

Adam Love Jr. is a financial advisor at Wells Fargo Clearing with 36 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Wells Fargo Clearing since 2016. His prior experience includes a three-year tenure at Prudential Equity Group, LLC. 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 both brokerage and advisory solutions.

Bryant Dawson is a financial advisor with Wells Fargo Clearing in Moraga, CA, holding Series 63 and Series 65 licenses and 15 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and was previously employed at Wells Fargo Bank, N.A. from 2006 to 2018. 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 combines research from its investment institute with third-party data to support its diversified investment approach.