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Chad Franklin

Investment Services Manager/Financial Consultant

FINRA

Phone: (650) 207-6323

Fax: (650) 801-7103

CA Insurance License # 0H57356

Chad comes to Provident Credit Union with over 13 years of experience in the Financial Services industry. As a Financial Consultant located at Provident Credit Union, Chad offers a wide array of financial services and is dedicated to develop specific strategies to help achieve your financial goals.

Chad received a Bachelor of Science degree in Finance from San Francisco State University. Chad holds FINRA Series 7 and 63 registrations and Life & Health Insurance Licenses. With his free time, Chad enjoys spending time with his family, travel, golf, and Steelhead fishing.

Chad has offices in:

San Francisco (Financial District) Community Branch
San Francisco (Federal Building) Community Branch
Daly City Community Branch
Millbrae Community Branch

John Dayao

Financial Consultant

FINRA

Phone: (415) 816-0715

Fax: (650) 801-7103

CA Insurance License #0E21804

John comes to Provident Credit Union with over 23 years of experience in financial services. The majority of his career was with MetLife, AXA, and Symetra Financial, where he was a Regional Vice President for their retirement divisions. His work experience also includes being a Wealth Management Consultant for Saybrus Partners, specializing in wealth management, protection, and distribution strategies.

As a Financial Consultant located at Provident Credit Union, John offers a wide range of services, from helping with individual investments to developing a retirement strategy. His goal is to facilitate the process of building, preserving, distributing, and transitioning wealth for his clients, custom tailored for the years ahead.

John received his Bachelor’s Degree from UC Irvine and holds FINRA Series 6 and 63 registrations through Osaic Wealth, Inc. and Life & Health insurance licenses. In his free time, he enjoys traveling with his wife and two kids, playing golf, and finding new recipes to recreate at home

John has offices in:

Fremont Community Branch
San Mateo Community Branch
Palo Alto Community Branch
Sunnyvale Community Branch
San Ramon Community Branch

Matthew Agius

Senior Financial Consultant

FINRA

Phone: (408) 464-2870

Fax: (650) 801-7103

CA Insurance License #0E30748

Matthew comes to Provident Credit Union with over 18 years of experience as a licensed Financial Advisor. Prior to Provident, he managed client accounts with Chase Investment Services, Wells Fargo Private Client Services, and Citicorp Smith Barney.

Matthew earned his Bachelors of Science degree in Finance at San Jose State University and is a licensed FINRA representative holding FINRA Series 7 and 24 and NASAA Series 63 and 65 licenses through Osaic Wealth, Inc. He specializes in building diversified portfolios focused on generating income and limiting risk.

Matthew has offices in:

Belmont Community Branch
Redwood Shores Community Branch
Los Gatos Branch

Scott Pederson

Financial Consultant

FINRA

Phone: (510) 333-8903

Fax: (650) 801-7103

Scott has over 23 years of experience as a Financial Advisor. Scott provides unbiased choices and advice using mutual funds, annuities, life insurance, and long-term care, in addition to stocks and bonds.

CA Insurance License # 0A29181

Scott comes to Provident Credit Union with over 24 years of experience as a Financial Advisor and management experience with such firms as Charles Schwab and Merrill Lynch. As a licensed Financial Advisor, he has helped many members save for college education, allocate current and future retirement monies, prepare for wealth transfer, and generally, help create a plan that is designed around the financial lifestyle the client desires..

Scott provides unbiased choices and advice using mutual funds, annuities, life insurance, and long-term care, in addition to stocks and bonds. He has been licensed and offering investment advice since 1990, and has used his skills as a stock trader, bond trader, and wealth manager to help savers and investors make wise financial decisions.

Scott has offices in:

Oakland Community Branch
Walnut Creek Community Branch
Folsom Community Branch
Alameda Community Branch

Sneh Jolly

Financial Consultant

FINRA

Phone: (510) 786-7315

Fax: (650) 801-7103

CA Insurance License #0K04812

As a Financial advisor, I am committed to helping my clients achieve their financial goals and secure their financial future. With 22 years of experience in the financial industry and a deep understanding of various financial instruments, I provide personalized financial advice and investment strategies tailored to each client’s unique needs.

My educational background includes a master’s degree in public administration, as well as various certifications and licenses, such as series 6, Series 7, Series 63, Series 65, and Insurance. I constantly strive to stay up to date with the latest market trends, economic developments, and investment opportunities, and use this knowledge to inform my clients investment decisions.

I believe that communication is key to building strong relationships with my clients, and I work closely with each one to understand their financial objective, risk tolerance, and investment preferences. Whether they are in the accumulation phase or about to explore the complex income replacement options available to retire, I am here to help. I help simplify this process of planning by understanding their goals, implementing, and monitoring the strategies to help them maintain the lifestyle they want to live during retirement.

In addition to my work as a financial advisor, I am committed to giving back to my community and supporting various charitable organizations. I believe that financial success is not just about personal wealth, but also about making a positive impact in the communities that we live in and work.

Sneh has offices in:

San Jose (North) Community Branch
San Jose Community Branch
Hayward Community Branch
Dublin Community Branch
San Jose (South) Community Branch