Taressa Soto is a financial advisor at OSAIC with five years of industry experience. She holds a Series 66 credential and previously worked at Lincoln Financial Advisors. Soto is also licensed as an insurance agent, offering fixed insurance products including annuities and life insurance. Osaic Wealth serves a broad mix of retail and institutional clients through a multi-advisor platform, delivering a range of brokerage and advisory services supported by model-based asset allocation and portfolio optimization tools.

Isaac Cowen is a financial advisor with Charles Schwab in San Ramon, CA, holding a Series 66 credential and six years of industry experience. His career includes roles at Charles Schwab Bank, Charles Schwab & Co., Inc., and Bank of the West. 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 and discretionary investment solutions supported by multi-asset model portfolios and centralized operational infrastructure.

Justin Green is a Senior Financial Advisor at Merrill Lynch Wealth Management with over 20 years of experience in the financial industry, beginning his career in 2002. He is committed to helping clients achieve their financial goals by providing personalized wealth management strategies tailored to their individual circumstances. Justin works closely with clients to simplify complex financial matters through time-tested investment and planning principles, offering access to a full spectrum of investment choices alongside the resources of Merrill Lynch and Bank of America. His expertise covers areas such as retirement planning, tax minimization, estate planning services, lifetime income management, college education planning, family wealth management strategies, and portfolio management services. Justin emphasizes building enduring relationships by gaining a deep understanding of his clients' lives and priorities, ensuring that each financial strategy aligns with their long-term goals. Justin holds a Bachelor of Science degree in Business Administration with majors in Finance and Banking from San Francisco State University. He carries the designation of Personal Investment Advisor (PIA). Fluent in English and Spanish, he resides in San Ramon, California, with his wife Susy and two children, Jovany and Vanessa. Outside of his professional interests, Justin enjoys baseball, hiking, swimming, traveling, and exploring different cultures.

Nikolai Papa is a financial advisor at Cetera with 15 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Woodbury Financial Services, OSAIC, Minnesota Life, and Sgc Financial. In addition to his advisory work, he teaches a retirement planning class part-time at the City College of San Francisco Extension. 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 discretionary and non-discretionary portfolio management, financial planning, and access to various program structures and third-party money managers.

Charlie Park is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and three years of industry experience. He has worked at Wells Fargo Bank, N.A. since 2019 and was previously involved with C.H. Trading Co. DBA OK Beauty Supply for thirteen years. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory approach is IPS-driven and based on modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Aryika Singh is a Planning Consultant at Fidelity Investments. She focuses on creating tailored engagement strategies through active listening to align with her clients' unique goals and values. Aryika adapts her communication styles and meeting frequency to help clients translate complex financial choices into clear, actionable steps, fostering structured roadmaps and building high-trust partnerships. Aryika has been with Fidelity Investments since 2023, progressing through roles including Financial Services Representative, Financial Representative, Relationship Manager, and currently Planning Consultant. She holds a California Insurance License. Outside of her professional work, Aryika enjoys family activities, fitness, outdoor adventures, spending time with pets, reading, and running.

John Banker is a financial advisor at Morgan Stanley based in Dublin, CA, holding a Series 66 designation with 10 years of industry experience. He has been with Morgan Stanley since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a range of advisory programs to individual and institutional clients, including tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques to support its financial planning process.

Wenxin Yu is a financial advisor at Morgan Stanley with 16 years of industry experience and holds a Series 66 designation. Yu has worked with Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm employs a structured financial planning process and offers a range of retail and institutional investment solutions.

Connor Merrigan is a CFP® professional with seven years of industry experience. He is currently affiliated with Raymond James Financial Services Advisors, Inc. and has prior experience at Summit Financial Group and Securian Financial Services Inc. Merrigan also worked at San Jose State University and Recreational Equipment Inc. early in his career. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using various analytical tools and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

Clement Wong is a financial advisor with Morgan Stanley in Pleasanton, CA, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. He has worked with Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2010. Outside of his advisory role, he serves as treasurer and board member for a charity/private foundation based in Brooklyn, NY. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process involves structured discovery and firm‑approved tools, offering a broad range of investment and planning solutions.

Timothy Argyres is a CFP® professional with 25 years of industry experience, currently affiliated with J.P. Morgan Securities. His prior roles include positions at Potter Street Partners LLC, First Republic Securities Company, Bank of America, Merrill, and UBS Financial Services. Outside of his advisory work, he serves as a committee member for Wolfpack Basketball NorCal, a charitable organization focused on youth basketball, where he assists with financial oversight and budgeting. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments through a non-discretionary advisory program that emphasizes written asset allocation advice, investment manager searches, and customized performance reporting. The firm employs a centralized due diligence process combining quantitative and qualitative analysis to develop model asset allocations and incorporates ESG considerations within its eligible strategies.

Yash Talreja is a Senior Financial Advisor with Merrill Lynch Wealth Management. He assists clients in managing their financial goals and aspirations, focusing on both asset and liability management to help preserve and grow wealth. His expertise encompasses financial and retirement planning, executive compensation, RSUs, college planning, small business strategies, corporate cash management, and tax-aware investments. Additionally, Yash supports clients interested in impact investing, helping them use their investments to promote social and environmental progress and equality while seeking competitive returns. He also guides qualified clients in selecting suitable alternative investments, including private real estate, private equity, and private credit through Merrill's platform. Prior to joining Merrill, Yash was a Financial Advisor at Morgan Stanley Wealth Management and has experience in the technology sector with roles at Amazon, Oracle, and PeopleSoft. He holds a bachelor's degree from the Indian Institute of Technology Delhi and a master's degree in computer engineering from the University of California, Davis. He has completed non-accredited certificate programs at the Massachusetts Institute of Technology and the University of Chicago. Yash holds the Certified Investment Management Analyst (CIMA) and Personal Investment Advisor (PIA) designations. Yash is involved with professional and community organizations including Sukarma, Asian Leadership Network, IIT Bay Area Alumni Association, and the Thyroid Cancer Survivor Association. He lives in Fremont with his wife and two daughters.

Thomas O'Neill is a financial advisor at OSAIC with a Series 66 designation and 15 years of industry experience. He previously spent 16 years with Lincoln Financial Advisors. In addition to his advisory role, he offers accident, health, long-term care, and life insurance products. OSAIC serves a diverse range of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including financial planning, managed portfolios, and retirement plan consulting. The firm’s investment process focuses on model-based asset allocation and portfolio optimization supported by risk-tolerance analysis and rebalancing tools.

Michelle Massey is a Wealth Management Advisor with Merrill Lynch Wealth Management. She has been in the industry for more than 20 years, providing coordinated wealth management services that focus on simplifying wealth accumulation, providing protection, and developing planning strategies for future generations. Her client focus areas include college education planning, corporate executive services, executive and equity compensation, family wealth management strategies, legacy and philanthropic planning, LGBT wealth planning, liquidity management, and personal retirement planning. Michelle holds several professional designations, including Accredited Asset Management Specialist (AAMS), CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). She earned both her Bachelor's and Master's degrees from the University of Phoenix. Outside of her professional role, Michelle enjoys camping, hiking, gardening, cooking, fishing, football, softball, traveling, volleyball, and yoga. She is involved in community activities and volunteers with organizations such as the North Pleasanton Rotary.

Michael Devere is a financial advisor at OSAIC with 18 years of industry experience. He holds Series 63 and Series 65 designations and previously worked at Lincoln Financial Advisors Corporation, Mass Mutual Investors Services, Massachusetts Mutual Life Insurance Company, and Metlife Securities Inc. In addition to his advisory role, he is an insurance agent offering accident, health, disability, long-term care, traditional life insurance, and annuities. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm provides a range of brokerage and advisory services through a multi-advisor platform with an investment process focused on model-based asset allocation and portfolio optimization.

Gurmeet Gulati is a financial advisor with Merrill based in Livermore, CA, holding a Series 66 designation and 19 years of industry experience. He has been with Merrill and its affiliate Bank of America, N.A. since 2012. Merrill, together with Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies to a range of clients including individuals, high-net-worth clients, and institutions.

Kevin Olison is a financial advisor with LPL Financial in San Ramon, CA, holding Series 63 and Series 65 registrations and bringing 22 years of industry experience. His career includes roles at Grove Point Investments, H. Beck, Inc., and Vanderbilt Advisory Services. He also operates Savvy Caregiving for Boomers, a business offering services related to caregiving for baby boomers. 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 portfolio programs, and institutional platforms, supported by extensive research and operational tools.

Ambreen Baig is a financial advisor at Wells Fargo Clearing with four years of industry experience. She holds a Series 66 designation and has worked previously at IndusInd Bank and ICICI Bank Ltd. Baig is based in Walnut Creek, CA. 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 advice grounded in modern portfolio theory. The firm includes a broad range of financial products, such as insurance-related vehicles and bank deposit sweep options, in its investment menus.

Robert Duncan Anderson is a CFP® with 19 years of industry experience, currently affiliated with Raymond James Financial Services Advisors, Inc. He previously spent 14 years at Commonwealth Financial Network. In addition to his advisory work, he serves as Treasurer and Board Member for the Danville Oaks Rugby Club, overseeing its financial policies and reporting. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base including individuals, institutions, and charitable organizations. The firm emphasizes tailored, non-discretionary planning using risk profiling and analytical modeling to support client goals.

Robin Sherwood is a financial advisor with Morgan Stanley in Pleasanton, CA, holding Series 63 and Series 65 licenses and possessing 31 years of industry experience. He has been with Morgan Stanley in various roles since 2009, including at Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients by offering a range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides planning services directly and through corporate agreements.