Marie Meister is a financial advisor at Ameriprise with 22 years of industry experience. She has been with Ameriprise and its affiliated entities since 2013 and holds the Series 66 designation. Ameriprise provides a retirement-income planning service aimed at individuals approaching or in retirement with significant investable assets, offering written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver non-discretionary recommendations, supported by algorithmic automation and oversight from a dedicated Retirement Income Oversight Committee.

Scott Danilson is a financial advisor with Ameriprise in Danville, CA, holding a Series 66 designation and 24 years of industry experience. He has worked with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement with significant investable assets, providing written Recommendation Reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis in its approach, with a centralized consulting team supporting advisors like Danilson in delivering tailored recommendations.

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.

Nicholas Gums is a financial advisor at LPL Financial with 17 years of industry experience. He holds a Series 66 designation and has previously worked at firms including TD Ameritrade, Charles Schwab, Bank of America, Merrill, and J.P. Morgan Securities. He also serves as a Wealth Management Private Banker at Fremont Bank. 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 portfolios, third-party asset management, and institutional platforms.

Margarita Perry is a financial advisor with RBC Capital Markets in Greenbrae, CA, holding Series 63 and Series 65 credentials and bringing 40 years of industry experience. Her career includes roles at Merrill, Bank of America, N.A., and City National Bank. RBC Wealth Management, a division of RBC Capital Markets, serves a wide range of clients from individual investors to institutions, offering tailored investment strategies through various advisory programs and a combination of in-house and third-party managers.

Jason Dilena is a financial advisor at Merrill with a Series 66 designation and has been in the industry since 2024. Prior to joining Merrill, he had roles at Churchill Management Group and several other organizations, including experience during his time at Loyola Marymount University. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party teams.

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.

Sebastian Heidgger Jr. is a financial advisor at Charles Schwab with seven years of industry experience. He holds the Series 66 designation and has worked at Charles Schwab and Charles Schwab Bank since 2018. His prior experience includes roles at Heidgger, Inc., IMC World Trade Corporation, and HTC Automotive, Inc. 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 combination of non-discretionary advice and access to discretionary separately managed accounts, supported by a multi-asset investment approach and a centralized operational structure.

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.

Philip Scarborough Jr. is a financial advisor with Ameriprise in San Rafael, CA, holding Series 63 and Series 66 licenses and bringing 31 years of industry experience. His prior work includes roles at Cirrus Research LLC and Citibank before joining Ameriprise in 2019. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement with significant investable assets, providing written Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

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.

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.

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 with Cetera, holding Series 63 and Series 66 credentials and bringing 16 years of industry experience. He has been with Cetera since 2019, following prior roles at Foresters Advisory Services LLC and Foresters Financial. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers diverse portfolio management and financial planning services through a multi-manager platform with access to affiliated and third-party managers, operating across various program structures and custodial relationships.

Stephanie Smith is a financial advisor at Morgan Stanley with 20 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009 and holds Series 63 and Series 66 licenses. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a wide range of advisory programs to both individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s financial planning process utilizes structured discovery conversations and firm-approved tools, incorporating various modeling techniques without providing individual security recommendations as part of standalone plans.

Reno Petrini is a Wealth Management Advisor at Merrill Lynch Wealth Management. In his role, he focuses on creating personalized wealth management strategies tailored to clients' individual financial situations and goals. He takes the time to understand clients and their families, helping them design and implement customized approaches that adapt to changing needs and market conditions. Reno provides access to the investment insights of Merrill and the banking convenience and lending solutions of Bank of America to address various aspects of clients' financial lives. Reno's expertise encompasses legacy planning, personal retirement planning, philanthropic planning, portfolio management services, tax minimization, retirement income, and serving clients in sports and entertainment. He holds several professional designations, including Chartered Advisor in Philanthropy (CAP), CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He earned a Bachelor's Degree from Arizona State University. Beyond his professional responsibilities, Reno participates in community volunteer work in line with Merrill's tradition of community involvement. His personal interests include basketball, camping, cooking, hiking, and spending time with his family.

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.

Eric Englund is a financial advisor with RBC Capital Markets and holds the Series 66 designation. He has 19 years of industry experience, including roles at RBC Capital Markets since 2008 and City National Bank since 2023. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves individual and institutional clients with tailored advisory programs that provide portfolio management, financial planning, custody, and brokerage services. The firm uses a mix of in-house and third-party investment managers and offers integrated capital markets and alternative investment solutions.