Sean Nicholson is a financial advisor with Wells Fargo Clearing in Walnut Creek, CA, holding Series 63 and Series 66 licenses and five years of industry experience. His prior roles include positions at Bank of America, Merrill, JPMorgan Chase Bank, and Primerica. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and brokerage solutions. The firm manages approximately $671 billion in assets and employs over 14,000 financial advisors.

Andy Lee is a financial advisor at Morgan Stanley with 17 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley since 2010, including at Morgan Stanley Private Bank, N.A. since 2022. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets.

Tatia Mac Kinnon is a financial advisor with Ameriprise, holding a Series 66 designation and 27 years of industry experience. She has been with Ameriprise and its affiliate Ameriprise Financial Services since 2005. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning services that provide written recommendations and ongoing advice focused on dependable income and tax-aware withdrawal strategies.

Alyssa Ritchie is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 18 years of industry experience. Her prior roles include positions at Cetera, BAR Financial, and Mid Atlantic Financial Management. Outside of her advisory work, she was involved as a wellness advocate for DoTerra Oil from 2017 to 2020. 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 advisory process is IPS-driven and incorporates a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Margaret O'Hearn is a CFP® and holds a Series 66 designation with 15 years of industry experience, all with Raymond James & Associates in Walnut Creek, CA. She has been with the firm since 2011. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base ranging from individuals and high-net-worth clients to institutional and municipal entities, offering financial planning and advisory services through multiple specialized programs.

Jonathan Cruz is a Series 66-registered financial advisor with Wells Fargo Advisors in Walnut Creek, CA, where he has worked since 2018. He has seven years of industry experience, including six years at Comcast prior to joining Wells Fargo Advisors. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services using proprietary research and tools, delivering tailored recommendations through advisors.

Elizabeth Mintzer is a CFP® professional with eight years of industry experience, currently affiliated with Cambridge Investment Research Advisors. She has worked at Cambridge Investment Research in various capacities since 2017. Outside of her advisory role, she is a group fitness instructor and serves as a committee member for the Financial Planning Association. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, pension plans, charitable organizations, and retirement-plan sponsors. The firm offers financial planning, investment management, retirement advisory, and financial-wellness services through independent Financial Professionals using a variety of platform options and tailored investment strategies.

Jennifer Whalen is a financial advisor at Merrill with 21 years of industry experience and holds a Series 66 designation. She has been with Merrill since 2006 and concurrently with Bank of America, N.A. since 2017. Outside of her advisory role, she serves as a teacher for the Orinda Community Center. 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 strategies for a range of clients including individuals, high-net-worth clients, and institutions.

Kevin Bryant is a financial advisor with Merrill based in Walnut Creek, CA, holding Series 63 and Series 66 credentials and having 12 years of industry experience. He has worked at Merrill since 2012 and concurrently at Bank of America, N.A. since 2016. Outside of his advisory role, he is a co-owner of a family rental property. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services through the Select Portfolio Solutions Program to Bank of America fiduciary clients, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Mike Alho is a Series 66-licensed financial advisor with 14 years of industry experience. He is currently with Merrill and has prior experience at Bank of America and Wells Fargo Clearing. 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, pension plans, corporations, and charitable organizations.

Ariel Castillo is a financial advisor at Edward Jones in Benicia, CA, holding a Series 66 designation with two years of industry experience. Prior to joining Edward Jones in 2023, he worked at First Republic Bank from 2016 to 2023. 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 nationwide network of financial advisors and branch offices.

Patrisia Contreras Vigil is a Series 66–licensed advisor with Merrill in Walnut Creek, CA, holding six years of industry experience. She has worked at Bank of America, N.A. and Merrill since 2020, and previously held positions at St Joseph Home and Community Care, Collabria Care, and OLE Health. 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 supported by internal and third-party managers for individuals, institutions, and nonprofit organizations.

Ron Phillips is a financial advisor at Morgan Stanley with 29 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Outside of finance, he is involved with the Combat Sports Academy in Dublin, California. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by firm-approved tools and strategies.

John Mensendiek is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. His prior work includes positions at VOYA Financial Advisors and Cetera Wealth Services. Outside of advising, he is an independent insurance agent specializing in fixed insurance sales. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutions. The firm offers a multi-manager platform with a range of portfolio management and financial planning services, supported by a network of over 10,000 advisors and more than $256 billion in assets under management.

Cole Ricardo is a Financial Advisor with Merrill Lynch Wealth Management based in Oakland, California. He works closely with clients to understand their goals and develop strategies that align with their values and priorities. Cole's client focus areas include college education planning, services for defined benefit plans, sports and entertainment, tax minimization, and retirement income. With professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA), Cole applies his expertise to help clients turn data into direction and goals into actionable plans. He emphasizes thoughtful guidance throughout complex financial decisions, preparing for retirement, and growing businesses. Cole holds a Bachelor's Degree from Holy Names University. Outside of his professional work, he enjoys baseball, basketball, hiking, pickleball, and spending time with his family.

Steven Richardson is a financial advisor at LPL Financial with 38 years of industry experience. He holds a Series 63 designation and has previously worked at Merrill and Bank of America, N.A. prior to joining LPL in 2018. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Nicholas Mommaerts is a financial advisor with Morgan Stanley in Orinda, CA, holding a Series 66 designation and 20 years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2007, including roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and analysis from its Global Investment Committee.

John Hutchinson is a CFP® professional with 30 years of industry experience, currently serving as a financial advisor at Raymond James & Associates since 2025. He spent 14 years at Stifel Nicolaus & Co Inc prior to his current role. Outside of his advisory work, he serves as co-executor and acting trustee for a family trust, managing related fiduciary responsibilities. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base—including individuals, institutions, and municipal entities—and offers a range of financial planning, advisory, and consulting services supported by various portfolio management styles and affiliated research resources.

Mary Dinerman is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs, including tailored financial planning supported by firm-approved tools and research from its Global Investment Committee.

Samir Arora serves as a Client Experience Advisor at Merrill Lynch Wealth Management. In his role, he works directly with clients to understand their financial situations and introduces them to solutions available through Merrill and Bank of America. He provides ongoing advice and guidance to clients as their financial needs evolve. Samir's expertise includes general investing, retirement planning, and saving for unexpected events. He emphasizes understanding what is important to each client to help develop personalized strategies for pursuing their financial goals. He holds several professional designations, including Accredited Asset Management Specialist (AAMS), Accredited Wealth Management Advisor (AWMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). He completed an Accredited Certificate Program at the University of Pune.