Dan Truong is a Planning Consultant at Fidelity Investments, a role he has held since 2025. He previously worked as a Financial Solutions Advisor at Merrill Lynch Bank of America from 2015 to 2025. Dan holds a California Insurance License. Dan's professional philosophy centers on education and financial planning, emphasizing the importance of a sound financial plan to help clients navigate uncertainties and pursue their financial goals. His approach involves active listening and empathy to ensure that strategies reflect clients' lives and aspirations. He is committed to providing proactive and personalized guidance that anticipates clients' needs and adapts to their evolving circumstances. Outside of his professional work, Dan engages in activities such as biking, cars, family activities, social events with friends, hiking, and photography.

Paul Noceti is a Series 66-licensed financial advisor with Morgan Stanley in Walnut Creek, CA, with 14 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and has been affiliated with Morgan Stanley Smith Barney since 2011. Outside of his advisory role, Noceti is involved as an independent contractor in contract engineering services. Morgan Stanley Wealth Management offers a range of advisory programs to individual and institutional clients, providing tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm‑approved tools and modeling techniques.

Rupal Patel is a financial advisor with UBS Financial Services who holds Series 63 and Series 66 licenses and has 20 years of industry experience. She has worked with UBS since 2009. UBS Financial Services Inc. provides brokerage and investment advisory services to individual, corporate, and institutional clients, offering a range of solutions including fee-based financial planning and portfolio management supported by proprietary research and capital market insights.

Marco Carrasco is a financial advisor with Wells Fargo Clearing, holding Series 65 and Series 63 licenses and bringing eight years of industry experience. His career includes roles at J.P. Morgan Securities and Mutual of Omaha Advisors. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, retirement consulting, and brokerage services. The firm manages approximately $671 billion in assets and utilizes research from Wells Fargo Investment Institute alongside third-party data to guide investment decisions.

John Greening is a Financial Advisor at Merrill Lynch Wealth Management. He focuses on connecting clients with tailored financial plans that align with their personal ambitions and priorities. His work encompasses areas such as college education planning, family wealth management strategies, legacy planning, LGBT wealth planning, managing new wealth, personal retirement planning, small business strategies, socially responsible and ESG investing, tax minimization, and retirement income. John utilizes a holistic approach to financial planning, leveraging resources from Merrill Lynch and the banking services of Bank of America. He aims to help clients manage their finances efficiently with acceptable levels of risk, placing clients at the center of the planning process to provide personalized service. He holds an active Series 7 and 66 FINRA registrations and professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). John earned a Bachelor's Degree from California Polytechnic State University, Pomona. In his personal time, he enjoys boating, camping, cooking, fishing, and hiking.

Daniel Tichenor is a financial advisor at Morgan Stanley with 21 years of industry experience. He has held positions at Morgan Stanley Private Bank, N.A. since 2020 and has been with Morgan Stanley since 2017, following nine years at UBS Financial Services and three years at MSI Financial Services, Inc. He holds a Series 66 designation. Outside of his advisory role, he serves as a trustee and co-trustee for a trust in Los Osos, California. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm provides a range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies.

Jared Dannis is a financial advisor at Osaic with 17 years of industry experience. He holds a Series 66 designation and has previously worked at Royal Alliance Associates, Inc. and Signator Investors, Inc. for a combined 18 years. Outside of advising, he serves as a trustee for an immediate family member’s irrevocable trust. Osaic Wealth serves a diverse client base including retail and institutional investors, offering a variety of brokerage and advisory services such as financial planning, managed portfolios, and retirement plan consulting. The firm’s investment approach centers on model-based asset allocation and portfolio optimization, supported by a wide range of customizable strategies and third-party manager selections.

Raymond Abraham is a financial advisor with Cetera who holds the ChFC® designation and has 43 years of industry experience. He has been associated with Cetera Wealth Services, LLC since 2013 and also works with Ready Wealth Advisors. Outside of his advisory role, he serves as a board member, benefactor, and volunteer leader for The Baun Project, a Christian missionary organization. Cetera Investment Advisers LLC is an SEC-registered firm that offers a range of portfolio management, financial planning, and retirement services through a nationwide network of independent advisors. The firm serves individual, corporate, charitable, and institutional clients, providing access to multiple investment strategies and program options across discretionary and non-discretionary accounts.

Tiffany Diaz is a financial advisor at LPL Financial with a Series 66 designation and one year of industry experience. She has worked at LPL Financial since 2024 and has been associated with BMO Bank N.A. since 2012. Outside of her advisory work, Diaz is a notary public in California and operates systems for K & D Productions. 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, third-party asset management, and institutional platforms.

Bryce Sadosky is a CFP® and holds a Series 66 license with nine years of industry experience. He has been with Charles Schwab since 2016, including a role at Charles Schwab Bank since 2017. He is based in Walnut Creek, CA. 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 advisory relationships and discretionary separately managed accounts, utilizing multi-asset model portfolios and a formal alternative investment program.

Nina Chung is a financial advisor at Morgan Stanley with 27 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Morgan Stanley since 2013. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs and tailored financial planning services to individual and institutional clients. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that integrates advanced modeling tools.

John Fuller is a CFP® professional with 31 years of industry experience, currently serving as a financial advisor at Ameriprise since 2024. He previously worked at Edward Jones for 20 years. Outside of his advisory role, Fuller is engaged in writing a book titled *Cash Flow – The Holy Grail of Finance*. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement, combining research, modeling, and tax-efficiency analysis to provide non-discretionary, written recommendation reports. The firm serves clients with significant investable assets and integrates algorithmic automation with advisor input to tailor retirement income strategies.

Kate Holloway is a Senior Financial Advisor at Merrill Lynch Wealth Management. She began her career at Merrill Lynch in 2007 with the Institutional Advisory Division in San Francisco before joining the Fish Group in 2008. Kate focuses on multi-generational households and specializes in areas including college education planning, personal retirement planning, socially responsible and values-based investing, as well as women and wealth. Kate earned her Bachelor's Degree from the University of California, Davis, with a major in English and a minor in Sociology. She holds professional designations as a Chartered SRI Counselor (CSRIC) and Personal Investment Advisor (PIA). Her approach centers on putting clients at the center of the wealth management process by delivering education, planning, and investment strategies tailored to their personal goals. Outside of her professional role, Kate volunteers with Muttville Senior Dog Rescue, where she fosters and provides hospice care for senior dogs. She enjoys hiking around San Francisco, knitting and crocheting, and baking for family, friends, and community events.

Vincent Franceschi is a financial advisor at J.P. Morgan Securities with two years of industry experience. He holds a Series 66 designation and has previously worked at First Republic Bank from 2010 to 2023. 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 searches, and customized performance reporting within a non-discretionary program.

Sarah Vancoops Bush is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and bringing 14 years of industry experience. She has worked with Wells Fargo Bank NA since 2001 and has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party databases.

Samantha Dozier is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and one year of industry experience. Her prior work includes roles at Wells Fargo Bank, N.A. and Benchmark Mortgage. 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 services. The firm’s 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.

Jean Quinlan Riggi is a financial advisor with Morgan Stanley Wealth Management in Walnut Creek, CA, holding Series 63 and Series 66 licenses and 19 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individuals and institutional clients with a variety of advisory programs, including customized financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools such as Monte Carlo simulations in its financial planning process.

Helen Draper is a financial advisor at OSAIC with eight years of industry experience. She holds a Series 66 designation and previously worked at Woodbury Financial Services INC for six years and Stark Miller Financial Benefits Group for twelve years. Outside of her advisory role, she manages client services at BAMCOFINACNCIAL AND INSURANCE SERVICES INC and performs bookkeeping as a sole proprietor. OSAIC Wealth serves a diverse client base, including retail and institutional investors, through a multi-advisor platform offering brokerage and advisory services. The firm employs a model-based investment approach with a range of portfolio management programs and is notable for its scale, affiliate network, and private equity ownership.

Alfred Steingraf is a financial advisor at Edward Jones with nine years of industry experience. He holds a Series 66 designation and has been with Edward Jones since 2017. Prior to that, he worked briefly at Campaign Monitor in 2016. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions supported by a large nationwide network of financial advisors and branch offices.

Peter Waldron is a financial advisor at Osaic with 22 years of industry experience. He holds a Series 66 designation and previously worked at Lincoln Financial Advisors for 21 years. Outside of his advisory role, he manages Trailblazer Wealth LLC and Waldron Partners LLC, and oversees term life insurance operations through Eggers, LLC. Osaic Wealth serves a diverse range of clients, including individual investors, retirement plan sponsors, charities, and corporations. The firm offers brokerage and advisory services using a model-based investment approach, supported by tools for asset allocation, portfolio optimization, and risk management.