Sagar Gurung is a financial advisor with Primerica Advisors in Concord, CA, holding Series 65 and Series 63 licenses and six years of industry experience. He has been with Primerica Advisors since 2020 and Primerica Financial Services since 2017. His work history includes roles outside finance, such as positions at Uber EATS, Loris Diner, and Caviar Inc. In addition to advisory services, he is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program serving primarily individual investors, including high-net-worth clients, as well as corporate and charitable clients. The firm’s investment approach uses model-delivery strategies managed by unaffiliated asset managers, supported by an overlay manager and custody services.

Kyle Vallejo is a financial advisor at Fidelity with 11 years of industry experience. He holds Series 65 and Series 63 licenses and has worked at multiple firms, including MassMutual and Nationwide Investment Services Corporation. Vallejo is currently based in Walnut Creek, CA. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including model portfolio construction using proprietary research, quantitative analysis, and algorithmic methods. The firm also serves as a commodity pool operator and provides advisory services to multiple registered investment companies.

Richard Daum Jr. is a financial advisor with Morgan Stanley in Oakland, CA, holding Series 63 and Series 65 licenses with 31 years of industry experience. He has been with Morgan Stanley and its associated entities since 2007, including Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing advisory programs and tailored financial planning to individuals and institutions, managing approximately $2.74 trillion in client assets. The firm employs a structured planning process supported by proprietary tools and offers a broad range of retail and institutional investment services.

Daryl Salcedo is a financial advisor with LPL Financial, holding a Series 66 designation and with 22 years of industry experience. His career includes roles at Morgan Stanley, Wells Fargo Investments, Chase Investment Services, U.S. Bancorp Investments, and Travis Credit Union before joining LPL Financial in 2014. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by extensive operational tools and a broad network of over 22,800 advisors.

Richard Bassett is a financial advisor with LPL Financial in Orinda, CA, holding a Series 66 designation and 19 years of industry experience. His prior experience includes roles at BMO Harris Bank, Charles Schwab, TD Ameritrade, Fidelity Investments, Merrill, and Mass Mutual Investors Services. 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 financial planning and investment management solutions, utilizing both proprietary and third-party strategies, supported by advanced research and technology tools.

Gracey Catalano is a financial advisor with Charles Schwab in Walnut Creek, CA, holding a Series 66 designation and four years of industry experience. Her background includes roles at Wells Fargo Clearing and Wells Fargo Bank, as well as experience outside finance with Alaska Airlines and Buffalo Wild Wings. She is also the operating manager and owner of Refresh-restoration Inc, a residential and commercial construction company. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, offering advisory, brokerage, custody, and financial planning services through its Schwab Wealth Advisory wrap fee program. The firm combines non-discretionary advisory relationships with access to discretionary managed accounts and employs multi-asset model portfolios supported by centralized operational and supervisory structures.

Sean Cook is a Series 66 credentialed financial advisor with Merrill, based in Oakland, California. He has 25 years of industry experience and has been with Merrill since 2009, concurrently working at Bank of America, N.A. since 2010. Outside of his advisory role, he is involved in managing family-held real estate businesses, including overseeing capital improvements and mortgage payments. Merrill serves a broad range of clients, including individuals, retirement plans, corporations, and institutional clients, offering managed account programs, portfolio management, and brokerage services. The firm emphasizes tax-efficient investment strategies and maintains deep integration with Bank of America’s broader banking and capital markets platform.

Daniel Stern is a Series 66-credentialed advisor with UBS Financial Services in Walnut Creek, CA, bringing 22 years of industry experience. He has worked at UBS since 2012. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory services, combining model-based asset allocations and proprietary research to tailor financial plans. The firm integrates institutional trading capabilities with wealth management, offering a broad range of capital markets and advisory services.

Melinda Fairweather is a financial advisor with Raymond James Financial in Pleasant Hill, CA, holding a Series 66 designation and two years of industry experience. Her prior roles include positions at Edward Jones and Bank of America. Outside of her advisory work, she is involved with SilverTree Collective and Wasser Wealth Management, where she serves as a Registered Client Relationship Manager, and she receives referral fees through Fire Friends, LLC, a wildfire protection referral business. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, pension plans, corporations, and institutions. The firm employs tailored, non-discretionary planning and analytical tools to support client goals and maintains unique municipal advisory capabilities alongside specialized retirement plan consulting.

Rodrigo Flores is a Financial Consultant at Fidelity Investments, a role he has held since 2024. He works closely with clients and their families to develop financial plans tailored to their individual needs, focusing on strategies that support their financial goals. Rodrigo holds a California Insurance License, which supports his ability to provide comprehensive financial advice. Outside of his professional work, he enjoys biking, cars, family activities, and fitness.

Barbara Vincent is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. She has worked with Avantax Advisory Services and related entities for 15 years and maintains ownership of Vincent Financial Services, a tax preparation and accounting business. Barbara is also involved with Wymac Capital, which provides mortgage customer acquisition and application services. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform that supports diverse investment strategies and program structures.

Kevin Kitchin is a financial advisor at Wells Fargo Clearing with 38 years of industry experience. He holds Series 63 and Series 65 designations. 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 provides both brokerage and advisory solutions.

Mark Sanchez is a financial advisor at Morgan Stanley with 39 years of industry experience. He holds Series 63 and Series 66 credentials and has been with Morgan Stanley since 2009, including over a decade at Morgan Stanley Private Bank, N.A. based in Oakland, CA. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and models to support its advisory services.

Margaret Hiller is a CFP® and Series 66-registered financial advisor with 20 years of industry experience. She is currently with Morgan Stanley, having previously worked at The Advisory Group of San Francisco for 18 years before joining Morgan Stanley Smith Barney LLC and Morgan Stanley Private Bank. Outside of her advisory role, she speaks on financial literacy topics for high school seniors through her consulting business, Launchpad. Morgan Stanley Wealth Management serves both individual and institutional clients, providing tailored financial planning and advisory programs supported by firm-approved planning tools and a structured discovery process.

Benjamin Rose is a CFP® professional with 26 years of industry experience, currently affiliated with Raymond James & Associates in Walnut Creek, CA. He has been with Raymond James & Associates since 2011. Rose leads financial seminars in the San Francisco community through the Financial Planning Association of San Francisco outside of business hours. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a diverse client base that includes individuals, institutions, and municipal entities. The firm offers tailored financial planning and consulting services, utilizing various portfolio management styles and affiliated research, while providing municipal advisory services and additional resources through its broad affiliate network.

Kenneth Casper Jr. is a CFP® professional with 25 years of experience, all with Edward Jones since 2001, based in Benicia, CA. Outside of his advisory role, he manages a rental property. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of discretionary and non-discretionary investment strategies, with approximately $1.01 trillion in assets under management supported by a large nationwide network of financial advisors and branch offices.

John Hannon is a financial advisor with LPL Financial in Danville, CA, holding Series 63 and Series 66 licenses and 21 years of industry experience. His prior roles include positions at Strategic Wealth Advisors Group, Ameriprise Financial Services, and Fidelity. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Anthony Carmichael is a financial advisor at RBC Capital Markets with a Series 66 credential and two years of industry experience. His background includes roles at RBC Wealth Management and prior employment at educational institutions and retail. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers a range of advisory programs with tailored investment strategies implemented through both in-house and third-party managers.

Andrew Renart is an Investment Consultant currently working at Fidelity Investments since 2023. In his role, he helps clients pursue their financial goals with clear and personalized guidance, focusing on building strong relationships to understand what matters most to each client. He collaborates with clients to create strategies that fit their needs, whether they are planning for retirement, growing their savings, or just starting out, with the goal of making investing easier to understand and helping clients feel confident about their financial future. Prior to his current position, Andrew gained experience as a Senior Relationship Banker at Travis Credit Union from 2018 to 2023 and as a Relationship Manager at Bank of America from 2015 to 2016. He holds a California Insurance License. Outside of his professional work, Andrew has interests in concerts, fitness, food, movies, music, and parenthood.

Robert Gewecke is a CFP® with 22 years of industry experience, currently serving at Wells Fargo Clearing. His prior roles include positions at LPL Financial, BMO Bank NA, Bancwest Investment Services, and E*TRADE Capital Management. 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 and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.