Adam Love Jr. is a financial advisor with Wells Fargo Clearing in Walnut Creek, CA, holding Series 63 and Series 65 designations and bringing 35 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions. The firm’s approach is driven by investment policy statements and modern portfolio theory, tailoring services to plan objectives and risk tolerances, and includes a notable range of financial products such as insurance-related vehicles and bank deposit sweep options.

Bryant Dawson is a financial advisor at Wells Fargo Clearing with 15 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Wells Fargo Clearing since 2016, following six years at Wells Fargo Advisors LLC and 12 years at Wells Fargo Bank, N.A. 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 based on modern portfolio theory, with a notable range of investment options that include insurance-related vehicles and bank deposit sweep programs.

Irvin Hu is a financial advisor with Mass Mutual Investors Services in Pleasant Hill, CA, holding a Series 66 designation and 13 years of industry experience. He has worked at Lenox Advisors, Inc., Mass Mutual Investors Services, Mass Mutual Life Insurance Company, Axa Advisors, LLC, and Equitable Advisors. In addition to his advisory role, Hu serves as Vice President at Lenox Advisors, Inc., where he is involved in outside insurance sales including life, disability, long-term care, fixed annuities, and health insurance. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm uses firm-approved software for detailed goal analysis and delivers written financial recommendations through ongoing collaborative relationships.

Andrew Vasquez is a financial advisor with Mass Mutual Investors Services based in Pleasant Hill, CA. He holds the ChFC® designation and securities licenses Series 63 and Series 65, and has 30 years of industry experience. His career includes 22 years at Metlife Securities Inc. before joining Mass Mutual Investors Services and MassMutual Life Insurance Co. 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, structuring planning engagements as annual, collaborative relationships that use firm-approved software tools to analyze goals and provide written recommendations.

Fan Qi is a financial advisor at Merrill with six years of industry experience and holds a Series 66 designation. Prior to joining Merrill and Bank of America in 2019, she was involved with The Baubox LLC. Outside of her advisory role, she co-owns and manages a rental property business with her husband through several related LLCs. 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 a range of clients including individuals, high-net-worth clients, and institutional investors.

Maximilian Clark is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and two years of industry experience. He has been with Wells Fargo since 2023 and previously studied at the University of California, Berkeley. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary solutions tailored to plan objectives and risk tolerances. The firm’s advisory approach is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Troy Channing is a Financial Consultant currently working at Fidelity Investments since 2020. Prior to this role, he was a Financial Advisor at Edward Jones from 2016 to 2020. He holds a California Insurance License. Troy focuses on building strategies tailored to meet clients' specific needs, emphasizing financial planning education and guidance for families. His approach centers on partnering with clients to develop personalized financial plans. Outside of his professional work, Troy has interests in baseball, biking, cars, parenthood, running, and traveling.

Eileen Mumma is a financial advisor at UBS Financial Services with eight years of industry experience. She has held roles at UBS since 2017 and previously worked at The Capital Group from 2014 to 2017. She holds the Series 66 designation. UBS Financial Services serves individual, corporate, and institutional clients by offering brokerage and investment advisory services, including financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management, utilizing proprietary research and model-based asset allocations to tailor investment strategies.

Richard Martell Jr. is a financial advisor with LPL Financial, holding Series 63 and Series 65 designations and bringing 48 years of industry experience. He previously worked at National Planning Corporation for 12 years before joining LPL Financial in 2017. Martell is also co-owner of BFM Wealth Management, a firm that provides tax preparation services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs and financial planning services, combining discretionary and non-discretionary management with research-supported model portfolios and various investment strategies.

Ernest Holguin is a CFP® professional with 30 years of industry experience, currently serving as a financial advisor at Wells Fargo Advisors since 2014. His prior roles include positions at Merrill, Banc of America Investment Services, and Morgan Stanley. He is a partner in multiple investment-related practices including Presidio Group Wealth Management and Presidio Group Growth Partners. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by offering investment and fee-based financial planning services. The firm provides a broad range of planning options and integrates advisory services with various financial products and referral channels.

Ross Gusky is an Investment Consultant at Fidelity Investments. In this role, he partners with clients to develop and implement financial plans and investment strategies tailored to their unique goals, concerns, and risk profiles. He focuses on creating and adjusting plans to align with changing market conditions and life circumstances. Ross has held several positions at Fidelity Investments, including Financial Representative and Financial Services Representative. Prior to joining Fidelity, he worked as a Financial Professional at New York Life Insurance. He holds a California Insurance License.

Jamie D'amico is a financial advisor at Wells Fargo Clearing with 11 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors from 2005 to 2016. He holds a Series 63 designation. 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 incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Jaime Estrada is a financial advisor with Wells Fargo Advisors in Walnut Creek, CA, holding a Series 66 designation and 15 years of industry experience. He has been with Wells Fargo Advisors and its affiliates since 2010. Outside of his advisory role, Estrada coaches basketball at De La Salle High School in Concord, CA. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, serving individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services, including specialized planning areas, and integrates advisory services with other financial products and referral channels.

Argenis Biscardi Melendez is a CFP®-certified financial advisor with six years of industry experience, currently affiliated with OSAIC in Lafayette, CA. His prior work history includes roles at Royal Alliance Associates, NYLIFE Securities, and New York Life Insurance Company. He also serves as part of a core group of advisors at Pacific Financial Partners, assisting with insurance and investment products for existing clients. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and nonprofits, offering integrated brokerage and advisory services through a large network of financial advisors and multiple advisory platforms. The firm utilizes various asset-allocation tools, risk assessments, and third-party money managers to construct portfolios across a wide range of asset classes.

Tiffany Ho is a financial advisor at Merrill with a Series 66 designation and six years of industry experience. She has worked at Merrill since 2021 and previously held roles at LPL Financial, Jackson Square Financial, and Primer Access. 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. The firm offers model-based and discretionary investment strategies for a range of clients, including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Keith Oslie is a financial advisor with Osaic Wealth Inc., holding a Series 65 credential and eight years of industry experience. His prior roles include positions at Defined Financial Planning LLC, J.W. Cole Advisors, Inc., and Global Financial Private Capital, LLC. Outside of advising, he is treasurer and partner at Cheers to Happy Hair, Inc., a hair salon where he manages finances and payroll. Osaic Wealth, Inc. serves a diverse mix of retail and institutional clients through a large network of affiliated advisors, offering integrated brokerage, advisory services, financial planning, and access to third-party asset managers. The firm employs various portfolio construction tools and supports both discretionary and non-discretionary account management.

Nicholas OConnor is a Financial Consultant at Fidelity Investments, a role he has held since 2025. Prior to this, he worked as an Investment Consultant at Fidelity Investments from 2023 to 2025. In his current position, Nicholas partners with clients to understand their financial goals and develops customized plans that address their unique needs. Nicholas holds a California Insurance License, which supports his work in financial consulting. He prioritizes forming strong relationships with clients and their families, emphasizing trust, reliability, and competency in his professional approach. Outside of his professional life, Nicholas enjoys a variety of personal interests including board games, boating, camping, fishing, football, and skiing.

Daniel Ghinazzi is a financial advisor with Cetera who holds a Series 63 designation and has 50 years of industry experience. He has been with Cetera and its related entities since 2013. Outside of his advisory role, he is involved in the sale of fixed insurance products and operates a financial services business under the name East Bay Financial Network. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a nationwide network of advisors and features a multi-manager platform with various investment program options.

Sagar Singh is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 credentials and six years of industry experience. His prior roles include positions at J.P. Morgan Securities LLC and JPMorgan Chase Bank, N.A., as well as experience outside finance at Vinum Bar. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services grounded in a modern portfolio theory approach and acting as an ERISA fiduciary.

Lee Gordon is a financial advisor with Morgan Stanley in Walnut Creek, CA, holding a Series 66 credential and 15 years of industry experience. He has been with Morgan Stanley and its Private Bank division since 2015. Morgan Stanley Wealth Management provides advisory programs to both individual and institutional clients, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that incorporates firm-approved tools and market simulations.