Ellen Neumark is a CFP®-certified financial advisor with 41 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. 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 IPS-driven advisory process incorporates modern portfolio theory and includes a broad range of investment options, such as insurance-related vehicles and bank deposit sweep programs.

Monique Tsenter is a Series 66-licensed financial advisor with Morgan Stanley, based in Walnut Creek, CA. She has six years of industry experience, including roles at Bank of America, Merrill, and entrepreneurial ventures such as Island Stylz. Tsenter is also the founder of the Rise Jamaica Foundation, a nonprofit focused on disaster relief and community assistance. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm provides tailored financial planning services supported by structured discovery processes and advanced modeling tools.

Jason Norrish is a financial advisor at Merrill with 27 years of industry experience. He holds a Series 66 designation and has worked at firms including Wells Fargo Clearing, Morgan Stanley, and Citigroup Global Markets. He is based in Walnut Creek, CA. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Brandon Herrera is a Private Wealth Manager with Merrill Private Wealth Management. He joined Merrill in March 2018, focusing primarily on the management and business development of the corporate cash segment. Prior to Merrill, Brandon spent nine years with Bank of America’s Commercial Banking team, where he served as a Treasury Sales Officer addressing the working capital needs of clients across for-profit healthcare, professional sports, not-for-profit healthcare, and institutional sectors. Brandon holds a Bachelor's Degree from California Polytechnic State University and is a Personal Investment Advisor (PIA). He resides in Clayton, California with his wife and three children. In addition to his professional work, Brandon is involved in coaching his sons in soccer and baseball and organizes a significant annual fundraiser barbecue for the local swim team. His personal interests include baseball, basketball, boating, camping, fishing, football, and hiking.

David Cereghino is a Senior Financial Advisor at Merrill Lynch Wealth Management. He began his career in financial services in 1996 and has over 30 years of experience in private client wealth management. David earned a B.S. in Finance from the University of San Francisco and started with Merrill Lynch Wealth Management early in his career. He initially built his practice in San Francisco, advising Silicon Valley executives with a focus on managing concentrated equity positions. In 2009, David transitioned to the Walnut Creek office, where he now works with high-net-worth families and business owners. His expertise includes developing customized wealth strategies aligned with clients' goals, emphasizing cash flow planning, risk mitigation, and tax reduction. He collaborates with the broader Bank of America platform to provide integrated solutions across investment management, banking, lending, insurance, and estate planning. David earned a Personal Investment Advisor (PIA) designation and is an alumnus of Bellarmine College Preparatory. He lives in Moraga, California with his wife, Shannon, and enjoys traveling, basketball, boating, football, hiking, music, and surfing.

Carmen Goldsmith is a CFP® with 25 years of industry experience, currently with Mass Mutual Investors Services in Walnut Creek, CA. She has been with MML Investors Services Inc and Mass Mutual Life Insurance since 2002. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers ongoing financial planning, asset management, and educational seminars, employing tools such as Monte Carlo simulations and automated asset-allocation software to deliver written financial recommendations.

Joshua Estes is a financial advisor with Morgan Stanley in Walnut Creek, CA, holding a Series 66 designation and eight years of industry experience. His prior work includes roles at Merrill Lynch Pierce Fenner & Smith and Bank of America. Outside of his advisory work, he is involved in property management as a sole proprietor. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, combining tailored financial planning with various investment and estate planning strategies.

Allison Stong is a financial advisor at Morgan Stanley with 14 years of industry experience. She holds a Series 66 designation and previously worked at UBS from 2011 to 2017 before joining Morgan Stanley in 2017. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs that include tailored financial planning. The firm employs a structured planning process using firm‑approved tools, with approximately $2.74 trillion in client assets under management.

Karen Lee is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and two years of industry experience. Her prior work includes roles at Fidelity Personal and Workplace Advisors and JPMorgan Chase Bank, N.A. She is based in Pleasant Hill, CA. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering non-discretionary wealth management services supported by an in-house manager solutions team.

David Dunn is a financial advisor with Raymond James & Associates in Walnut Creek, CA, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He previously worked at Oppenheimer for 16 years before joining Raymond James in 2023. 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 that includes individuals, institutions, and municipal entities, offering a range of financial planning and investment consulting services with a non-discretionary approach.

Sean Perez is a Financial Consultant at Fidelity Investments, a position he has held since 2023. He has been with Fidelity since 2021, previously serving as an Investment Consultant and a Financial Representative. In his current role, Sean focuses on assisting clients and their families by leveraging Fidelity's products and services to help them advance toward their financial goals. Sean holds a California Insurance License, supporting his ability to provide comprehensive financial advice. His professional approach centers on understanding clients' unique financial journeys and providing tailored coaching to meet their needs. Outside of his professional responsibilities, Sean engages in family activities, fitness, social events, parenthood, running, and volunteering.

Raymond Gockowski is a financial advisor with Morgan Stanley in Walnut Creek, CA, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. He has been with Morgan Stanley since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning and estate planning services. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools supported by its Global Investment Committee’s estimates to help model financial outcomes.

Pamela Espinoza is a financial advisor with Morgan Stanley in Walnut Creek, CA, holding a Series 63 designation and 18 years of industry experience. She has been with Morgan Stanley since 2009. 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 services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and market simulations.

Mark Larkin is a financial advisor with LPL Financial in Walnut Creek, CA, holding Series 63 and Series 65 credentials and 35 years of industry experience. His prior roles include 18 years at Western International Securities, Inc. and one year at First Allied Securities, INC. He also operates a non-variable insurance business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, and institutions with a range of advisory and brokerage services, including financial planning and access to third-party asset management.

Masihulla Nawabi is a financial advisor with J.P. Morgan Securities in Danville, CA, holding Series 63 and Series 66 credentials and bringing 16 years of industry experience. He has been with J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2013. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting through its Institutional Consulting Services program. The firm’s approach integrates quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Fazilet Ulucan is a financial advisor with Morgan Stanley in Walnut Creek, CA, holding Series 63 and Series 66 licenses and bringing 20 years of industry experience. She previously worked at Fidelity Investments and Fidelity Personal and Workplace Advisors before joining Morgan Stanley in 2019. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and market simulations as part of its financial planning process.

Jennifer Ha is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. She has worked at Raymond James & Associates since 2018 and previously held roles at Bank of the West and BancWest Investment Services from 2015 to 2018. 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, offering financial planning, non-discretionary investment consulting, and institutional fiduciary services.

Celia Sandel is a financial advisor with Mass Mutual Investors Services, holding CFP® and Series 66 credentials and bringing 27 years of industry experience. She has worked with MML Investors Services LLC and MassMutual Life Insurance Company since 2011. In addition to her advisory role, she also operates as an individual life and group health insurance sales agent. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, and charitable organizations. The firm provides ongoing financial planning, asset management, and education through collaborative annual engagements using firm-approved analytical tools.

Veronica Weir is a financial advisor at Merrill with 17 years of industry experience. She holds a Series 66 designation and has been with Merrill since 2011. 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. The firm offers a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Devenaire Wright is a financial advisor at Charles Schwab based in Oakland, CA, holding Series 63 and Series 66 designations with one year of industry experience. Prior to joining Schwab, Wright held positions at several firms including Price Family INEOS Grenadier of Marin and Northwestern Mutual. Before entering the financial industry, Wright worked at Toyota for five years. 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, offering a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts.