Samer Georges is a Financial Consultant at Fidelity Investments, where he collaborates with clients to develop strategies tailored to their individual priorities and evolving goals. His approach emphasizes transparency and partnership, helping clients navigate financial options with clarity and confidence to create informed plans aligned with their values. He has been with Fidelity Investments since 2024, initially serving as an Investment Consultant before becoming a Financial Consultant. Prior to that, Samer worked at JPMorgan Wealth Management as a Private Client Advisor from 2021 to 2024 and as a Private Client Banker at JPMorgan Chase from 2019 to 2021. He holds a California Insurance License. Outside of his professional work, Samer enjoys spending time at the beach, social events with friends, watching movies, playing soccer, swimming, and traveling.

Brendan Noonan is a CFP®-certified financial advisor with 14 years of industry experience, currently with Raymond James Financial Services Advisors, Inc. He previously worked at Sgc Financial and Securian Financial Services Inc. for 11 years. He also serves as an independent contractor financial advisor at Summit Financial Group. 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 institutional clients. The firm offers tailored, non-discretionary planning and utilizes analytical tools to support client goals, with specialized municipal and public finance capabilities.

Steven Cline is a financial advisor with Morgan Stanley Wealth Management in Walnut Creek, CA, holding a Series 66 license and three years of industry experience. He has worked within Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2020. Outside of finance, he is active as a music composer. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a wide range of advisory programs, including tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools supported by their Global Investment Committee.

Dharma Westphal is a financial advisor with Primerica Advisors in San Ramon, CA, holding Series 63 and Series 65 licenses and three years of industry experience. Prior to joining Primerica Advisors, Dharma has held various roles within Primerica Financial Services and has experience outside finance including work with The Dance Center and Summerfield Waldorf School and Farm. Outside of advisory work, Dharma is an independent contractor for Twitch Interactive, dedicating several hours monthly. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and a limited number of separately managed account options. The firm uses third-party asset managers and BNY Mellon Advisors for trading and emphasizes a tiered wrap fee structure.

Nicholas Gums is a financial advisor with LPL Financial in Oakland, CA, holding a Series 66 designation and 17 years of industry experience. His prior roles include positions at TD Ameritrade, Charles Schwab, Merrill, and Bank of America. He also serves as a Wealth Management Private Banker at Fremont Bank. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a range of clients including individuals, retirement plans, banks, and charitable organizations through a broad national network. The firm offers comprehensive financial planning, advisory programs, retirement plan consulting, and brokerage services with both discretionary and non-discretionary management options.

Gerard Soriano Jr. is a financial advisor with UBS Financial Services in Alamo, CA, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been with UBS Financial Services since 2013. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and discretionary portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor strategies to clients’ goals and risk tolerances.

Andrew Thiermann is a financial advisor with Mass Mutual Investors Services who holds a Series 66 designation and has two years of industry experience. He has worked at several firms, including MML Investors Services, MassMutual Life Insurance Company, and NY Life Securities LLC. Thiermann is also active as an insurance broker with Lenox Advisors, specializing in life, disability, long-term care, fixed annuities, and health insurance. 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 seminars with a structured, collaborative approach using firm-approved analytical tools.

Michael Tran is a financial advisor at RBC Capital Markets with 13 years of industry experience. He holds a Series 66 designation and has previously worked at Fidelity Brokerage Services and Charles Schwab & Co., Inc. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutional clients, and charitable organizations. The firm offers a range of advisory programs with customizable portfolio management and financial planning services, utilizing both in-house and third-party investment managers.

David Hoang is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. He holds Series 63 and Series 66 credentials and has been with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2014. 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.

Victoria Watson is a financial advisor with Edward Jones in Alameda, CA, holding a Series 66 designation and 16 years of industry experience. She has been with Edward Jones since 2010. 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 large network of financial advisors and branch offices across the country.

Man Shing Wong is a financial advisor at Merrill with eight years of industry experience. He holds a Series 66 designation and has been with Merrill and Bank of America since 2010. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program. The firm serves a diverse client base including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations, offering model-based and discretionary investment strategies developed by internal and third-party managers.

Richard Klotz is a financial advisor at Osaic with 36 years of industry experience. He holds Series 63 and Series 65 designations and has been with Osaic since 2006. Outside of his advisory work, Klotz serves as president of the Twinoak Place Homeowners Association, overseeing the governance and management of the community. OSAIC Wealth, Inc. serves a broad mix of retail and institutional clients through a large network of affiliated advisors and offers integrated brokerage and investment advisory services. The firm employs asset-allocation tools, risk-tolerance assessments, and automated rebalancing to manage diversified portfolios for individual and high-net-worth investors, pension plans, corporations, and charitable organizations.

Daniel Beltran is a CFP®-certified financial advisor with 21 years of industry experience, currently affiliated with LPL Financial. His prior work includes roles at United Planners' Financial Services of America and Vitucci & Associates. He also operates a business under the name Plantran Financial. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a diverse client base including individuals, retirement plans, banks, and charitable organizations. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management with access to model portfolios and research from multiple sources.

Michael Herberger is a financial advisor at Cetera with 24 years of industry experience. He holds the Series 66 designation and has worked at Cetera since 2021, following seven years at VOYA Financial Advisors. Outside of his advisory role, he is actively engaged as an independent insurance agent specializing in fixed insurance products. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform allowing advisors to implement model portfolios, select third-party managers, or construct customized strategies, with over $256 billion in assets under management and a network of more than 10,000 advisors.

Lois Leynse is a financial advisor with Cetera based in Oakland, CA. She holds Series 63 and Series 65 licenses and has 28 years of industry experience, including over 27 years with Avantax Advisory Services. In addition to her advisory work, she has operated the Financial Fitness Center since 1993, specializing in tax preparation and supervision. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a multi-manager platform offering discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Alexander Binnie is a CFP®-designated financial advisor with Ameriprise, based in Orinda, CA, and has 35 years of industry experience. He has been with Ameriprise and its affiliate since 2005. Outside of his advisory role, he serves on the Board of Directors for Watchpoint Logistics and engages in freelance fiction and nonfiction writing. Ameriprise Financial Services is a large, diversified firm serving both individual and institutional clients. Its Premier Retirement Income service offers tailored retirement income planning through a written Recommendation Report and ongoing advice, with a focus on income sources and tax-aware withdrawal strategies.

Ping Lin is a financial advisor at Charles Schwab with five years of industry experience. They have held roles at Charles Schwab since 2022 and previously worked at TD Ameritrade from 2020 to 2022. Ping Lin holds the Series 66 and Series 63 designations. 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 offers a mix of non-discretionary advisory relationships and access to discretionary separately managed accounts using multi-asset model portfolios and due diligence on alternative investments.

Phil Park is a financial advisor at Morgan Stanley with eight years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2017, following a prior role at LendingClub. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning supported by structured discovery conversations and firm-approved planning tools.

Austin Batista is a financial advisor at Cetera with 15 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Cetera since 2019, following prior roles at Foresters Advisory Services LLC and Foresters Financial. Cetera Investment Advisers LLC serves a broad range of clients including individuals, retirement plans, corporate and charitable clients, and institutions. The firm offers various portfolio management and financial planning services through a nationwide network of over 10,000 advisors, operating a multi-manager platform that provides access to affiliated and third-party managers across multiple program structures.

Ryan Duffy is a financial advisor with UBS Financial Services in Walnut Creek, CA, holding a Series 66 designation and eight years of industry experience. Prior to joining UBS in 2017, he worked in the beverage industry with Eight Bridges Brewing and Wine Warehouse. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, combining proprietary research and model-based asset allocations to tailor financial plans. The firm integrates institutional trading capabilities with wealth management services and offers a broad range of capital markets solutions.