Ryan Overton is a financial advisor at Charles Schwab with 11 years of industry experience. His prior roles include positions at Wells Fargo Clearing, TIAA-CREF, Morgan Stanley, Harris Direct, E*TRADE Capital Management, Merrill, Bank of America, and JP Morgan Securities. He has held Series 63 and Series 66 licenses. Charles Schwab & Co., Inc. serves a large client base primarily consisting 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 investment guidance and access to discretionary separately managed accounts, supported by an integrated operational structure and centralized custody and order-routing services.

Vivian Chu is a financial advisor at OSAIC with 28 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at firms including Woodbury Financial Services and Questar Capital Corporation. Outside of her advisory role, she serves as CEO of Willner and Associates, providing employee benefits and administrative services for small businesses. OSAIC Wealth serves a diverse client base through a multi-advisor platform offering brokerage and advisory services, including comprehensive financial planning and retirement plan consulting. The firm utilizes model-based asset allocation and portfolio optimization supported by various analytical tools and offers both discretionary and advisor-managed investment strategies.

Joseph Mckissack is a financial advisor with Charles Schwab in Pleasanton, CA, holding Series 63 and Series 65 credentials and 24 years of industry experience. He has been with Charles Schwab and Charles Schwab Bank Ssb since 2008. 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.

Samantha Balboni is a financial advisor with OSAIC, holding Series 63 and Series 65 designations and bringing 30 years of industry experience. Prior to joining OSAIC in 2025, she spent three decades at Lincoln Financial Advisors Corporation. Outside of her advisory role, she volunteers as a Veteran's Coordinator for the Elks Lodge, assisting formerly homeless veterans. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of brokerage and advisory services with an investment approach focused on model-based asset allocation, portfolio optimization, and flexible management strategies.

Rosalyn Antonio is a financial advisor with Edward Jones in Castro Valley, CA, holding the CFP®, ChFC®, and Series 66 credentials. She has 10 years of industry experience and has been with Edward Jones since 2015. Outside of her advisory role, she serves as president of the WMMS Music Boosters in San Leandro, coordinating projects and communications with families and the music director. Edward Jones is a full-service wealth management firm serving individual and institutional clients, with over $1 trillion in assets under management supported by more than 23,700 advisors nationwide. The firm offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Germaine Cordes is a ChFC® credentialed financial advisor with 24 years of industry experience. She currently works at OSAIC and previously held positions at Securities America, Inc. and Foothill Securities, Inc. Cordes is also a notary and has provided business consulting services related to employee benefits and financial statement review. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of brokerage and advisory services with an investment process focused on model-based asset allocation, portfolio optimization, and flexible strategy implementation.

Carol Mackewicz is a financial advisor with Ameriprise in Walnut Creek, CA, holding Series 63 and Series 66 licenses and 13 years of industry experience. She previously worked at Morgan Stanley & Co. Incorporated for 12 years before joining Ameriprise in 2017. Ameriprise provides a retirement-income planning service targeted at individuals approaching or in retirement, focusing on clients with substantial net investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver written recommendation reports, emphasizing a range of advisory, brokerage, and insurance solutions through its affiliated companies.

Kenneth Haas is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 designations and bringing 39 years of industry experience. His prior work includes roles at Wells Fargo Investments, LLC and Deutsche Bank Securities Inc. over a combined 10 years. 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 and analytics from Wells Fargo Investment Institute and third parties.

Liming Zhang is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and six years of industry experience. Prior to joining J.P. Morgan Securities in 2020, Zhang worked at Citibank and Qiaoli Hu CPA, and spent two years at the University of California, Los Angeles. 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 through a non-discretionary program. The firm’s advisory process combines quantitative screening and qualitative research to build model asset allocations and incorporates broader derivatives and commodities capabilities.

Kathryn Holland is a CFP® with nine years of experience in the financial services industry. She has worked at LPL Financial since 2023 and previously held roles at Fremont Bank, Edward Jones, International Research Securities, Inc., and APEX Movement. Outside of her advisory work, she is involved in youth hockey through scorekeeping and coaching and operates an Etsy store as a designer and creator. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of investment solutions, including model portfolios, third-party asset management, and institutional platforms, supported by technology tools and a broad network of advisors.

Charles Johnson III is a financial advisor with Morgan Stanley in Oakland, CA, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. His career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets. Morgan Stanley Wealth Management serves both individual and institutional clients with a variety of advisory programs, providing tailored financial planning supported by firm-approved tools and methodologies.

Roberto Santos is a financial advisor at Fidelity with 25 years of industry experience. He holds the Series 66 designation and has worked in various roles within Fidelity since 2000, including positions at Fidelity Personal and Workplace Advisors and FIDELITY Brokerage Services LLC. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm manages a range of portfolios and funds, leveraging systematic methodologies and oversight controls, and is noted for its use of advanced technologies and formal roles advising registered investment companies.

Neil Hunter Smith is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds Series 63 and Series 65 licenses and has three years of industry experience. Prior to joining Raymond James, he worked at NYLIFE Securities LLC and New York Life Insurance Company. Outside of finance, he previously managed entrepreneurial ventures including Lightning Fit and Urban Golf Performance. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual and institutional clients. The firm offers tailored, non-discretionary planning and utilizes analytical tools to model potential outcomes, supporting implementation through advisory programs or other providers.

Michael Thomas is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2021, following positions at Carmax and FedEx. Outside of his advisory role, he is involved in real estate investment as an owner and partner. 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 and fund searches, and customized performance reporting. The firm combines quantitative and qualitative research to develop model asset allocations and offers a range of portfolio services through affiliated entities.

Virginia Choice is a financial advisor at Morgan Stanley with a Series 66 credential and two years of industry experience. Her prior roles include positions at Northwestern Mutual, Honda Finance Corporation, and Clark Atlanta University. Outside of advising, she is involved in art and culture ventures, serving as sole proprietor of an online retail store and as president of an art-related organization. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-sponsored financial plans.

Anne Nishiura Seto is a financial advisor at Morgan Stanley with 31 years of industry experience. She holds Series 63 and Series 65 designations and has worked at Morgan Stanley since 2009, including a role at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is a registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs and financial planning services. The firm employs a structured planning process supported by firm-approved tools and manages approximately $2.74 trillion in client assets.

Prabhleen Kaur Dhanda is a financial advisor at Charles Schwab with one year of industry experience. She holds the Series 66 designation and has worked at several financial institutions, including Wells Fargo Bank, Bank of America, and Merrill Lynch. Charles Schwab & Co., Inc. serves a large client base primarily consisting 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 combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts, offering multi-asset model portfolios and alternative investment options.

Diana Espinoza is a Planning Consultant who works closely with clients to develop financial plans that reflect their goals and values. She emphasizes thoughtful, ongoing planning to support informed decision-making at every stage of life. Diana has held roles at several financial institutions, including Relationship Manager and Financial Representative at Fidelity Investments, Associate Banker at JPMorgan Chase, and Bank Teller at Wells Fargo. This range of experience informs her approach to client service and financial planning. Outside of her professional work, Diana enjoys cooking and baking, fitness, exploring food cultures, traveling, and volunteering.

Kristopher Watts is a financial advisor at Morgan Stanley in Pleasanton, CA, holding Series 65 and Series 63 credentials with 11 years of industry experience. He has been with Morgan Stanley and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves individual and institutional clients by providing a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools.

Gail Coleman is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. She has been with Wells Fargo Clearing since 2017 and previously worked for the San Ramon Valley Unified School District for two years. 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 and third-party sources.