Derek Cushman is a financial advisor at Morgan Stanley with a Series 66 credential and three years of industry experience. His prior roles include positions at Oppenheimer and Archer Huntley Financial Services Inc. He has also worked in financial aid and various other industries, including a five-year tenure at DoorDash. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, with a financial planning process that employs structured discovery and advanced modeling tools. The firm manages approximately $2.74 trillion in client assets and provides both direct and corporate financial planning services.

Taryn Horne is a Series 66-licensed financial advisor with Morgan Stanley in Walnut Creek, CA, bringing 20 years of industry experience. She has been with Morgan Stanley since 2014. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individuals and institutions, including tailored financial planning supported by structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through corporate financial planning agreements.

Pouneh Lomboy is a financial advisor at Merrill in Concord, CA, holding a Series 66 credential with 13 years of industry experience. She has been with Merrill since 2013. Lomboy is associated with an outside business owned by her spouse that involves purchasing and renovating distressed homes, as well as another entrepreneurial venture related to boxing, though she has no operational role in these activities. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies designed for individuals, high-net-worth clients, and institutional investors.

John Wackowski is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. His prior roles include positions at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets. Outside of advisory work, he co-owns a rental property in Lafayette, California. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory options. The firm’s process is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Cody Rasmussen is a financial advisor with OSAIC, holding Series 63 and Series 65 licenses and 14 years of industry experience. He previously worked at Jhfn Sii before joining OSAIC in 2018. Rasmussen serves as a Major in the United States Military Reserves, performing duties as an Operations Officer for an Emergency Operations Cell. He is also involved as a managing associate in a sole proprietorship insurance brokerage specializing in life, annuities, disability, and long-term care insurance. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm integrates brokerage and advisory services with financial planning, retirement consulting, and access to third-party money managers, utilizing a variety of asset-allocation tools and investment options to construct portfolios tailored to client needs.

Aura Scurtu is a Financial Consultant currently working at Fidelity Investments since 2022. In her role, she focuses on understanding her clients' financial goals and developing comprehensive financial plans with strategies aimed at helping them achieve those objectives. Prior to her current position, she was a Financial Solutions Advisor at Merrill from 2018 to 2022. She holds a California Insurance License, which supports her work in providing financial and insurance solutions to her clients. Outside of her professional career, Aura has interests in art, family activities, fitness, hiking, music, and parenthood.

Ning Guo is a Senior Financial Advisor at Merrill Lynch Wealth Management, leading The Kang Group, a Houston-based team focused on serving business owners, entrepreneurs, and families with wealth connected to operating businesses, liquidity events, and long-term planning. He specializes in business sales, tax-aware strategies, and coordination of trust and estate planning, particularly addressing the intersection of family, business, and cross-border considerations. Ning also provides culturally informed guidance to first-generation families managing significant wealth decisions. With over 15 years of experience in Fortune 500 companies prior to joining Merrill Lynch, Ning brings a multifaceted perspective to complex financial planning. He holds a Bachelor’s degree in Computer Engineering from Texas A&M University and an MBA from the University of Houston-Victoria. His professional designations include Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Ning is active in the community, having served six years on the board of the Asian Chamber of Commerce and holding leadership roles with the Riverstone Home Owner Association and Sunrise Youth Soccer Club. He is fluent in Chinese, English, and Mandarin and resides in Houston with his family. Outside of his professional work, Ning’s personal interests include golfing, reading, soccer, table tennis, traveling, and watching movies.

Marc Steinberg is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2018. He has worked in the financial services industry since 2008, with previous roles including Senior Financial Consultant at TD Ameritrade from 2011 to 2018, Financial Solutions Advisor at Merrill Lynch from 2010 to 2011, and Client Sales Officer, Licensed (Trader) at US Trust, Bank of America Private Wealth Management from 2008 to 2010. Marc holds a California Insurance License. He approaches his work with professionalism, transparency, and care, aiming to build trust and deliver value to clients through comprehensive financial planning and personalized service.

Eric Cline is a financial advisor with Morgan Stanley in Walnut Creek, CA, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has worked with Morgan Stanley Smith Barney since 2009 and at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management provides advisory programs to individual and institutional clients, offering tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers a range of investment services alongside its financial planning capabilities.

Christian Dominguez is a financial advisor at LPL Financial with 11 years of industry experience. He holds Series 65 and Series 63 designations and has worked at several firms, including Principal Life Insurance Company, Principal Securities Inc, TruWest, and Princor Financial Services Corporation. Outside of his advisory role, he is involved with FAST TRACK FINANCIAL, LLC, a business entity for tax and investment purposes. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, utilizing model portfolios, research, and technology-driven solutions.

Scott Klein is a financial advisor with Equitable Advisors in Walnut Creek, CA, holding Series 63 and Series 65 licenses and possessing 31 years of industry experience. He has been with Equitable Advisors since 2008 and previously worked with AXA Advisors. In addition to his advisory role, Klein is involved in health and long-term care insurance brokerage activities. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm employs a hybrid referral and implementation model that utilizes various advisory programs and fiduciary credentials tailored to client goals and risk tolerance.

Scott Goggin is a financial advisor at Morgan Stanley with 13 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley Private Bank, National Association since 2015, and Morgan Stanley Smith Barney since 2012, both located in Walnut Creek, CA. Morgan Stanley Wealth Management serves individual and institutional clients by providing a range of advisory programs, including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers both direct financial planning and Corporate Financial Planning agreements with employers.

Matthew Foreman is a financial advisor at Raymond James & Associates in San Rafael, CA, with 12 years of industry experience. He holds the Series 66 designation and previously worked at Wells Fargo Clearing and WELLS FARGO Advisors, LLC. Raymond James & Associates provides financial planning and investment consulting to a diverse client base, including individuals, employer-sponsored retirement plans, corporate and charitable entities, and government clients. The firm offers tailored financial plans and asset-allocation analyses through its Wealth Advisory Services Program and supports both retail and institutional clients with a range of advisory and financing services.

Joshua Haney is a CFP® professional at Wells Fargo Clearing with 17 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors, LLC from 2012 to 2016. Outside of his advisory role, he serves as the treasurer for the Campolindo Homeowners Association in Moraga, CA, overseeing financial documents and budgeting. Wells Fargo Clearing specializes in retirement plan consulting for 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 modern portfolio theory, providing a broad range of financial products including insurance-related vehicles and bank deposit sweep options.

Mario Duenas is a financial advisor with Wells Fargo Clearing in Walnut Creek, CA, holding Series 63 and Series 66 licenses and bringing 13 years of industry experience. He has worked at Wells Fargo Clearing and Wells Fargo Bank, N.A. since 2016. 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 across more than 14,000 advisors and offers both discretionary and non-discretionary retirement plan services supported by in-house research and third-party analytics.

Gary Berg is a financial advisor with Ameriprise in Walnut Creek, CA, holding Series 63 and Series 65 credentials and having 40 years of industry experience. He has been with Ameriprise and its related entities since 2005. Outside of advising, he has administrative roles in managing business expenses for financial advisory practices through two LLCs. Ameriprise provides retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to generate written, non-discretionary recommendations. The firm offers a broad range of advisory, brokerage, and insurance solutions typical of a large institutional provider.

Batkhuu Batjargal is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and 12 years of industry experience. His career includes roles at Bancwest Investment Services, Bank of the West, Edward Jones, and Morgan Stanley. Outside of his advisory work, he is the owner of a tea shop business, Maxhunt Inc DBA Boba Loca, in Concord, CA. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of financial planning and advisory services, including discretionary and non-discretionary portfolio management supported by research from LPL Research and third-party subadvisors.

David Allen is a CFP® professional with 17 years of industry experience, currently serving as a financial advisor at Cetera since 2023. He has been involved with Cetera Wealth Services, LLC since 2016. Outside of his advisory role, Allen coaches junior varsity women's soccer at Las Lomas High School and serves as a non-officer director on the board of the Walnut Creek Soccer Club. Cetera Investment Advisers LLC provides advisory services through a large nationwide network of independent advisors, serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of investment management and financial planning solutions, utilizing a multi-manager platform that includes affiliated and third-party managers across various program structures.

Theresa Currier is a financial advisor at Wells Fargo Clearing with 29 years of industry experience. She holds Series 63, Series 65, and Series 66 designations. Prior to joining Wells Fargo Clearing in 2023, she worked at Nationwide Investment Services Corporation for 12 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 IPS-driven advisory process incorporates modern portfolio theory and includes a broader range of financial products, such as insurance-related vehicles and bank deposit sweep options.

Lavanya Palakurthi is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. She holds the Series 66 designation and has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2020. Prior to that, she spent 18 years at Bank of America Corporation and Merrill. J.P. Morgan Securities LLC 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 brokerage, distribution, and investment management capabilities.