Michael Oster is a Wealth Management Advisor at Merrill Lynch Wealth Management in Oakland, where he has been serving clients since 1993. Since May 2015, he has held the position of Resident Director of the Oakland office. Michael's professional focus includes working with high-net-worth individuals and families, non-profit organizations, corporate executives, and business owners to deliver customized financial advice aimed at helping clients meet their financial goals and manage their wealth efficiently. He offers expertise across various areas including asset allocation, retirement income planning, tax minimization strategies, estate planning, and socially responsible investing. Michael is a qualified Portfolio Manager, managing portfolios on a discretionary basis with access to a range of investment products such as equities, fixed income, alternative investments, ETFs, and model portfolios. Clients also benefit from access to banking, credit, and lending services through Bank of America, N.A. Michael holds several professional designations including CERTIFIED FINANCIAL PLANNER (CFP), Chartered Financial Consultant (ChFC), and Certified Plan Fiduciary Advisor (CPFA). He has Series 7, 63, and 65 FINRA registrations and holds a Bachelor of Science and an MBA from the California State University system. Outside of his professional work, Michael lives in Oakland with his wife and two sons. He is actively involved with the Boys & Girls Club of Oakland as a long-term volunteer. His personal interests include golfing, reading, running, swimming, and traveling.

Leila Esmaili Zamora is a financial advisor at Morgan Stanley with one year of industry experience. She holds a Series 66 designation and has worked in various roles including positions at Morgan Stanley Private Bank, LinkedIn, and several consulting and community organizations. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutions, combining tailored financial planning with access to extensive investment resources and research.

Timothy Score is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he has worked since 1994. In his role, he focuses on assisting clients with a broad range of financial planning needs, including college education planning, family wealth management strategies, legacy planning, retirement income, and portfolio management services. He also serves as the Syndicate Coordinator in the office, a position he has held since 2009. Tim earned both his Bachelor of Science degree in Accounting and his Master of Business Administration from Southern Oregon University. He obtained the CERTIFIED FINANCIAL PLANNER® (CFP) certification in 2004 and completed the Merrill Lynch Wealth Management Longevity Training Program at the University of Southern California Davis School of Gerontology in 2015. Timothy has contributed to the development of new advisors through his mentorship in the Professional Development Program. His professional designations include CFP and Personal Investment Advisor (PIA). Outside of his professional duties, Timothy is actively involved in his community and enjoys spending time with his family. He has coached youth sports and volunteered extensively at swim meets. His personal interests include baseball, genealogy, golfing, music, reading, table tennis, traveling, and attending events involving his grandchildren.

Josh Grassel is a Vice President, Financial Consultant at Fidelity Investments. In this role, he partners with high net worth clients and their families to work towards achieving their financial goals. He helps clients develop, maintain, and update their financial plans as their needs and objectives change over time. Josh has been with Fidelity Investments since 2015, progressing from Investment Consultant to Financial Consultant, and currently serving as Vice President, Financial Consultant since 2023. Prior to Fidelity, he worked as a Financial Advisor at Ameriprise from 2013 to 2014, and held positions at Citibank as a Personal Banker and Financial Associate between 2011 and 2013. He holds a California Insurance License.

Henrik Nielsen is a financial advisor at Wells Fargo Clearing with 26 years of industry experience. He holds a Series 66 designation and previously worked at Bank of America for 21 years before joining Wells Fargo in 2020. Outside of his advisory role, he serves in various leadership positions overseeing family investment interests and development projects in Denmark. 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. The firm’s advisory process is IPS-driven and includes a broad range of financial product offerings such as insurance-related vehicles and bank deposit sweep options.

Michael Ariyoshi is a financial advisor with Raymond James & Associates in San Rafael, CA, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. His prior roles include positions at Wells Fargo Clearing, Morgan Stanley Private Bank, Morgan Stanley, and Citigroup Global Markets. 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, pension plans, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

John Tornes is a CFP® and Series 66 registered financial advisor with Edward Jones in Novato, CA, where he has worked since 2008. He has 18 years of industry experience. Outside of his advisory role, he is involved in rental real estate ownership in San Francisco. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a wide range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets through a large network of advisors and branch offices.

John Pulley is a financial advisor with Morgan Stanley in Oakland, CA, holding Series 63 and Series 65 licenses and bringing 43 years of industry experience. His career includes roles at Morgan Stanley Private Bank since 2015, Morgan Stanley Smith Barney since 2009, and Citigroup Global Markets from 1993 to 2009. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer offering a range of advisory programs to individuals and institutions, including tailored financial planning supported by firm-approved tools and an investment committee.

Xiao Feng Wu is a financial advisor at Charles Schwab with seven years of industry experience. He holds Series 63 and Series 66 licenses and has worked at multiple firms including LPL Financial, U.S. Bancorp Investments, Wells Fargo Clearing, JPMorgan Chase, Bank of America, Merrill, and Citibank. His current role is based in Oakland, CA. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program and related managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment solutions, supported by integrated advisory, brokerage, custody, and cash-sweep services.

Michael Morrone is a financial advisor with J.P. Morgan Securities in Mill Valley, CA, holding a Series 66 designation and five years of industry experience. His career includes roles at First Republic Investment Management, Wells Fargo Clearing Services, and Wells Fargo Bank. Outside of his advisory work, he is a passive owner and partner of Longwood Holdco, LLC, a holding company that owns a car wash. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a program focused on written asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence and a combination of quantitative and qualitative research.

Wanda Wu is a financial advisor with J.P. Morgan Securities in San Francisco, holding Series 63 and Series 66 licenses and bringing 11 years of industry experience. She has been with J.P. Morgan Securities LLC since 2014 and J.P. Morgan Chase Bank, N.A. since 2015. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. The program focuses on written asset allocation advice, investment manager searches, and customized performance reporting, supported by a centralized due diligence process and incorporating both quantitative and qualitative research.

Elizabeth Groh is a Wealth Management Advisor at Merrill Lynch Wealth Management. She has dedicated over 46 years to assisting high-net-worth clients in the San Francisco Bay Area, developing customized financial strategies to help them pursue their financial goals. Elizabeth works closely with clients and their other professionals, such as attorneys and tax specialists, to identify primary goals including education funding, tax minimization strategies, and retirement asset management. Elizabeth holds a Bachelor's Degree from Arizona State University and is a CERTIFIED FINANCIAL PLANNER® certificant. She also holds the Professional Investment Advisor (PIA) designation. In addition to her advisory role, she collaborates with a Wealth Management Lending Officer from Bank of America to provide clients with personalized home financing guidance. Outside her professional responsibilities, Elizabeth is involved with the Bay Area Strength Alliance and Buckelew Programs. She enjoys hiking, skiing, and traveling with her family and is active in the Bay Area Strength and Alliance community.

Matthew Larrabure is a financial advisor at RBC Capital Markets with 18 years of industry experience. He holds a Series 66 designation and has previously worked at Merrill and Bank of America. Outside of his advisory role, he teaches hunter education classes for the California Department of Fish and Wildlife and serves as a committee member for the Sonoma Marin Area Rail Transit. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers various advisory programs with tailored portfolio management strategies, integrating both in-house and third-party investment resources.

Carla Koren is a financial advisor with Morgan Stanley in Oakland, CA, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. She has worked at Morgan Stanley Smith Barney since 2009 and at Citigroup Global Markets from 1997 to 2009. Outside of her advisory role, she serves on the finance and investment committees for Girls Inc. of Alameda County and is a member of the finance committee at Temple Sinai. Morgan Stanley Wealth Management provides advisory and brokerage services to individuals and institutions, offering tailored financial planning and managing approximately $2.74 trillion in client assets. Their planning process includes firm-approved tools and scenario modeling while primarily acting in an advisory capacity.

Brock Scigliano is a financial advisor with LPL Financial in San Rafael, CA, holding Series 63 and Series 66 licenses and bringing 13 years of industry experience. His prior roles include positions at Fidelity Investments, Prudential, and TD Ameritrade. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions through a large network of investment adviser representatives. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Ali Kazemi is a financial advisor with Cetera who holds Series 63 and Series 65 licenses and has 38 years of industry experience. He previously worked at Avantax Investment Services, LPL Financial, Sagepoint Financial, Wells Fargo Advisors, and Banc of America Investment Services. Outside of his advisory role, he is the owner of Sentinel Financial Group and works as an associate with In-Home Supportive Services, providing personal care to eligible individuals. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a variety of investment program options and access to third-party money managers.

Ryan Leonard is a financial advisor at J.P. Morgan Securities in Oakland, CA, holding Series 66 and Series 63 licenses with three years of industry experience. Prior to joining J.P. Morgan Securities and JPMorgan Chase Bank, N.A. in 2023, he worked in the automotive sales industry, including positions at Ocean Honda of Burlingame and Mercedes Benz of San Francisco. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The program emphasizes non-discretionary advice supported by centralized due diligence that includes quantitative and qualitative research and incorporates an ESG eligibility framework.

Jess Perez is a Vice President and Financial Consultant at Fidelity Investments, a position held since 2008. In this role, Jess applies expertise in comprehensive financial planning to assist clients in developing personalized strategies that align with their values and goals. As a CFP4 professional, Jess emphasizes the importance of listening to clients to build lasting relationships and provide guidance through various life changes. Jess holds a California Insurance License, supporting the ability to offer informed advice on insurance-related matters as part of holistic financial plans. Beyond professional commitments, Jess engages in personal interests including biking, fitness, golf, caring for pets, and traveling.

Gustavo Sanchez is a financial advisor at Fidelity with a Series 66 designation and two years of industry experience. His prior work includes roles at Patelco Credit Union and Sonoma State University. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a process that combines fundamental research with quantitative analysis and algorithmic portfolio construction to manage a broad range of investment products and model portfolios.

Jennifer Earnest is a financial advisor at J.P. Morgan Securities with two years of industry experience. She holds a Series 66 designation and has previously worked at Wells Fargo and Equitable. Earnest serves as Treasurer and Board Member of the San Rafael High School Athletic Boosters and is Secretary of the Marin Professional Women's Network. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. Their advisory process combines quantitative screening and qualitative research to offer written asset allocation advice and customized performance reporting, with clients retaining final decision-making authority.