John Nash is a financial advisor with Cetera who holds a Series 66 designation and has 26 years of industry experience. His prior roles include positions at Bank of America, Merrill, Sageview Advisory Group, and Cetera Advisor Networks. He is also CEO of a consulting business he founded in 2023. Cetera Investment Advisers LLC serves individual, corporate, charitable, and institutional clients through a nationwide network of independent advisors, offering a variety of portfolio management, financial planning, and retirement services. The firm utilizes a multi-manager platform with discretionary and non-discretionary options, managing over $256 billion in assets across more than 10,000 advisors.

Lien Lay is a CFP® with 20 years of industry experience currently with J.P. Morgan Securities, where she has worked since 2012. Her prior roles include positions at Chase Investment Services Corp. and Banc of America Investment Services, Inc. Outside of her advisory work, she is an owner of rental properties. J.P. Morgan Securities provides institutional consulting services primarily to plan sponsors, corporations, and endowments through a non-discretionary program focused on written asset allocation advice, investment manager research, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative manager due diligence and may incorporate ESG criteria.

Dinh An Khuong Le is a financial advisor at Merrill with a Series 66 designation and less than one year of industry experience. Prior to joining Merrill and Bank of America in 2025, he held various roles including work at Newstar Nail Spa and academic positions at De Anza College and the University of California, Berkeley. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients via the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Graham Gongora is an advisor with Charles Schwab & Co., Inc. based in Oakland, CA. He holds a Series 66 designation and has less than one year of industry experience. His background includes full-time education and various non-financial roles prior to joining Charles Schwab. 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 a large client base with integrated advisory, brokerage, custody, and cash-sweep services, offering both non-discretionary investment guidance and access to discretionary separately managed accounts.

Jeffrey Gustafik is a financial advisor with Wells Fargo Clearing holding Series 63 and Series 65 licenses and has 43 years of industry experience. His prior work includes roles at A. G. Edwards & Sons, Inc. and Wells Fargo Investments, LLC. He is based in Walnut Creek, CA. 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 Wells Fargo Investment Institute research and third-party analytics.

Jin Cheng Wu is a financial advisor at Merrill with 10 years of industry experience. He holds Series 66 and Series 63 licenses and has worked at Bank of America, JPMorgan Chase Bank, and JP Morgan Securities LLC. Outside of his advisory role, he is the sole owner of a rental property business. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions.

Lance Mantle is a financial advisor at Fidelity with 12 years of industry experience. He holds the Series 66 designation and has worked at Fidelity Investments since 2022, following prior roles at Wells Fargo Clearing and Morgan Stanley. Fidelity’s Strategic Advisers LLC 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 manage and deliver model portfolios using systematic methodologies and long-term asset allocation benchmarks.

Sherwin Coleman is a financial advisor at Cetera with 38 years of industry experience. He holds Series 63 and Series 65 designations and has prior experience at Voya Financial Advisors and as the principal of Coleman Financial Services since 1993. He also operates as an independent insurance agent. Cetera Investment Advisers LLC is an SEC-registered firm serving a diverse client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options, including model portfolios, third-party managers, and bespoke strategies, overseeing more than $256 billion in assets.

Dwain Jefferson is a financial advisor at J.P. Morgan Securities with seven years of industry experience. He holds Series 66 and Series 63 credentials. Prior to his current role, he worked at Bank of America from 2018 to 2024 and previously held positions at J.P. Morgan Securities and J.P. Morgan Chase Bank. 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. Their advisory process combines quantitative screens and qualitative research to build model asset allocations, with recommendations limited to eligible strategies that may incorporate ESG considerations.

Dorothy Lee is a financial advisor at LPL Financial with 19 years of industry experience. She holds Series 63 and Series 66 credentials and previously worked at National Planning Corporation for five years. Outside of advisory work, Lee serves as a financial executive and principal involved in fixed insurance products with Trilogy Financial Services Inc. and ACSIA Partners. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering a broad range of financial planning and investment services to individuals, retirement plans, banks, trust companies, and institutions. The firm provides access to model portfolios, third-party asset managers, and institutional platforms, supported by technology tools for operational and research purposes.

Leon Augustine is a financial advisor with Cambridge Investment Research Advisors, holding a Series 66 designation and 19 years of industry experience. He previously worked at Edward Jones for nine years before joining Cambridge in 2016. Outside of advising, Leon is involved in tax preparation and accounting services through Lewis Taxation & Accounting Service and operates as an independent insurance agent. Cambridge Investment Research Advisors serves a diverse client base including individuals, institutions, pension plans, and charitable organizations by providing financial planning, investment management, and retirement-plan advisory services. The firm offers both discretionary and non-discretionary management through multiple platforms and proprietary model strategies under the Founders Gate Capital brand.

Ashley De Benedetti is a financial advisor at Morgan Stanley with 16 years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley in two periods, from 2009 to 2016 and from 2018 to the present, with prior roles at Kestra Investment Services and Signator Investors. Morgan Stanley Wealth Management serves both individual and institutional clients, offering advisory programs and tailored financial planning supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and provides plans directly to clients as well as through corporate agreements.

Jill Guintu is a CFP® professional at Osaic Wealth with 31 years of industry experience. She previously worked at Sagepoint Financial, Inc. for 14 years and Wagner Loftin Investment Services LLC for 29 years. Outside of financial advising, she is involved in essential oils product consulting and owns a yacht marketing and maintenance business. Osaic Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporate clients through a multi-advisor platform. The firm offers a range of brokerage and advisory services, emphasizing model-based asset allocation and portfolio optimization supported by various financial tools and third-party managers.

Jesse Johannesen is a financial advisor with Mass Mutual Investors Services in Walnut Creek, CA, holding Series 66 and Series 63 licenses and bringing 10 years of industry experience. His prior roles include positions at Technology Opportunity Partners, LP, and Cowen and Company LLC. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers ongoing financial planning, asset management, and educational seminars, employing firm-approved analytical tools to deliver written recommendations tailored to clients' goals.

Newton Ilawole is a financial advisor with OSAIC in Lafayette, CA, holding Series 63 and Series 66 licenses and bringing 29 years of industry experience. He has worked with Royal Alliance Associates, Inc. since 2018 and previously with Signator Investors, Inc. from 2016 to 2018. In addition to his advisory role, he has served as an associate broker agent with Spec Homes Realtors for over 20 years on a limited, non-soliciting basis. OSAIC Wealth serves a broad range of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including comprehensive financial planning and advisor-managed portfolios. The firm emphasizes model-based asset allocation and portfolio optimization, supporting various investment strategies and maintaining a complex affiliate network.

Irene Michael is a financial advisor at Morgan Stanley with 27 years of industry experience. She has been with Morgan Stanley since 2009 and holds a Series 66 designation. Outside of her advisory role, she owns the Lovers Point Inn hotel in Pacific Grove, CA. Morgan Stanley Wealth Management serves both individual and institutional clients, offering comprehensive financial planning and advisory programs supported by firm-approved planning tools and resources.

Asha Mendes is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and six years of industry experience. She has worked at Wells Fargo Bank, N.A. since 2016 and Wells Fargo Clearing since 2019. In addition to her advisory role, Mendes is a commissioned notary public in California. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s investment approach is IPS-driven and incorporates modern portfolio theory, with notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Chris Millis is a financial advisor with Merrill in Walnut Creek, CA, holding Series 63 and Series 66 designations and bringing 31 years of industry experience. He has been with Merrill since 1999. 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 model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Michael Olsen is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2016. He has over 20 years of experience working closely with clients and their families to help grow and protect their wealth, make well-informed investment decisions, and simplify their financial lives. Prior to his current role, he was Vice President at Fisher Investments from 2005 to 2016, and a Financial Adviser at American Express Financial Advisers from 2002 to 2005. Michael holds a California Insurance License, which supports his expertise in wealth planning and financial consulting. Outside of his professional work, he has personal interests that include beach activities, family activities, fitness, golf, parenthood, and traveling.

Michael Kinslow is a Wealth Management Advisor at Merrill Lynch Wealth Management. He focuses on providing comprehensive financial advice and wealth planning services to families, tailoring strategies to fit their unique ambitions and priorities. His expertise includes family wealth management strategies, liquidity management, personal retirement planning, portfolio management, individual and corporate investment strategy, and tax minimization. Michael holds an Associate's Degree from Diablo Valley College and has earned professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). He works closely with clients to create personalized plans that address goals such as funding education, planning for retirement and healthcare costs, and managing long-term family objectives. Outside of his professional role, Michael enjoys cooking, reading, traveling, watching movies, and spending quality time with his family, including his wife Michelle and their two daughters, Kylie and Addison.