Timothy Kwong is a financial advisor at J.P. Morgan Securities with 23 years of industry experience. He holds the Series 63 and Series 66 designations. His prior roles include positions at Bank of America/Merrill Lynch, Citigroup, Wells Fargo Bank NA, and Charles Schwab Bank. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Steve Loftin is a financial advisor with Osaic who holds Series 63 and Series 65 licenses and has 34 years of industry experience. He has been with Osaic since 2023 and also works at SagePoint Financial, where he has served since 2009. Additionally, he manages client accounts through his sole proprietorship and LLC registered investment advisory businesses. Osaic Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, employing various asset-allocation tools and third-party solutions to construct diversified portfolios.

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.

Jon Ardell is a Planning Consultant who focuses on helping clients understand and utilize the tools and resources available to them. His work aims to provide clients with a clearer understanding of the potential outcomes of various financial strategies, enabling greater confidence and commitment to plans tailored to their unique situations. He has professional experience as a Relationship Manager at Fidelity Investments from 2024 to 2025, and as a Financial Representative at Fidelity Investments from 2023 to 2024. Prior to that, he worked as a Broker Service Representative at Nexera Holdings LLC, DBA Newfi Lending, from 2016 to 2022. Jon holds a California Insurance License. Outside of his professional work, Jon enjoys biking, attending concerts, watching movies, and reading.

Zachary Van Blake is a financial advisor with Wells Fargo Clearing in Danville, CA, holding Series 63 and Series 66 licenses and 14 years of industry experience. He has been with Wells Fargo Clearing since 2016, following four years at WELLS FARGO Advisors. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services grounded in modern portfolio theory. The firm’s advisory process is IPS-driven and includes a broader set of financial product offerings than typical large institutional advisers, such as insurance-related vehicles and bank deposit sweep options.

Andrea Roth is a financial advisor with Wells Fargo Clearing in Danville, CA, holding a Series 66 designation and 16 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors from 2012 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven, incorporates modern portfolio theory, and includes a range of investment options such as insurance-related vehicles and bank deposit sweep programs.

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.

James Griffith is a financial advisor with Fidelity, holding Series 63 and Series 65 licenses and possessing 31 years of industry experience. He has worked within various Fidelity divisions since 2015, including Fidelity Brokerage Services LLC and Fidelity Personal and Workplace Advisors. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction across mutual funds, ETFs, and ETPs. The firm also serves as a commodity pool operator and advises multiple registered investment companies and fund-of-funds.

Nicholas Gomez is a financial advisor at LPL Financial with 15 years of industry experience. He holds the Series 66 designation and has previously worked at firms including Newbridge Financial Services Group, JP Morgan Securities, JP Morgan Chase Bank, Bank of America, and Merrill. He is also licensed as a non-variable insurance agent. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, 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, model portfolios, and access to research from LPL and third-party subadvisors.

Keith Loegering is a financial advisor with LPL Enterprise in San Rafael, CA, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. His prior roles include positions at City National Bank, RBC Capital Markets, Bank of America, and Merrill. Outside of financial services, he has worked as a contractor driver for Lyft. LPL Enterprise serves a wide range of clients, including individuals, retirement plans, charitable organizations, and institutional clients, offering advisory and brokerage services supported by research, model portfolios, and third-party asset management. The firm’s integrated platform combines adviser programs with active sales of financial products and participates in collateralized lending programs.

Charles Tyler is a financial advisor with Cambridge Investment Research Advisors, holding Series 63, 65, and 66 licenses and bringing 33 years of industry experience. He has been with Cambridge Investment Research Advisors and Cambridge Investment Research, Inc. since 2006 and also serves as Chief Investment Officer at Capital Planning Partners, a role he has held since 2002. In addition to his advisory work, he operates as an independent insurance agent. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, retirement plan advisory, and financial-wellness services through a network of independent professionals, utilizing both proprietary and third-party strategies across multiple platforms.

Joyce Howell is a financial advisor at Cetera with 38 years of industry experience. She holds Series 63 and Series 65 credentials and has been with Cetera and its affiliates since 2012. Outside of her advisory role, Howell provides retirement lifestyle coaching and serves as an estate plan consultant, gathering data for estate plan documents to be forwarded to attorneys. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, retirement plans, corporate, charitable, and institutional clients through a large nationwide network of independent advisors. The firm offers discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers through various program structures and custodial relationships.

Paul Bailin is a Financial Consultant at Fidelity Investments. In this role, he partners with clients to develop and implement financial plans tailored to their unique goals, leveraging Fidelity's resources to evaluate investment risks and tax-efficient investing considerations. Paul has extensive experience in financial services, having held multiple positions at TIAA from 2010 to 2023, including Senior Director of Institutional Lifetime Income Distribution and Director of TIAA Global Asset Management. Prior to that, he worked as a Financial Advisor at Merrill Lynch Bank of America and UBS Financial Services. He holds a California Insurance License. Outside of work, Paul enjoys concerts, music, scuba diving, swimming, tennis, and traveling.

Michelle Phradichith is a financial advisor at Charles Schwab with seven years of industry experience. She holds Series 63 and Series 66 designations and previously worked at Fidelity Investments from 2018 to 2025 and at other firms including Veritude and REAL Software Systems. Charles Schwab & Co., Inc. serves a primarily high- and ultra-high-net-worth client base 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 in-house research and due diligence on alternative investments.

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.

Adrian Kula is a financial advisor with J.P. Morgan Securities and holds a Series 66 designation. He has six years of industry experience, including positions at AXA Advisors and Equitable Advisors. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework in its recommendations.

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.

Jeremy Lew is a Series 66-registered financial advisor with UBS Financial Services in Walnut Creek, CA, bringing 20 years of industry experience. He has been with UBS since 2012. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services and uses proprietary research and asset allocation models to tailor client strategies.