Sarah Robinson is a Certified Financial Planner® and holds a Series 65 license with 11 years of industry experience. She is currently with Focus Partners Wealth, LLC and has worked previously at Adero Partners, LLC and Hines Warner Wealth Management, LLC. Focus Partners serves individuals, high-net-worth families, family offices, corporate and institutional clients with a full range of wealth management and advisory services. The firm employs a long-term, tax- and fee-sensitive investment approach utilizing a blend of active and passive strategies, third-party managers, and private funds within an enhanced open architecture framework.

William Baker is a financial advisor with Private Advisor Group, LLC, holding Series 63 and Series 65 designations and bringing 28 years of industry experience. His prior roles include positions at Strategic Wealth Advisors Group, Baker, Brose & Mitsutome Wealth Management LLC, and LPL Financial. He has also engaged in fixed insurance sales and branch management on a limited basis. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans by offering portfolio management, financial planning, and retirement plan consulting. The firm uses a fiduciary-based advisory model and employs various investment strategies, often implementing advice through third-party managers and proprietary technology platforms.

Marcella Jennifer is a financial advisor at Ameriprise with two years of industry experience and holds the Series 66 designation. Her work history includes positions at Ameriprise and several educational institutions, including UCLA and the University of California, Berkeley. Ameriprise Financial Services is a large, diversified advisory firm that serves individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides tailored retirement planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Ali Poswal is a Financial Consultant currently working at Fidelity Investments since 2022. In this role, he partners with clients to understand their financial goals and helps build customized financial plans tailored to their unique needs. He places importance on forming strong relationships with clients and their families to maintain trust, reliability, and competency. Ali has accumulated experience in the financial services industry through his previous positions, including Senior Financial Consultant at TD Ameritrade from 2018 to 2022, Financial Consultant at E*Trade from 2016 to 2018, and Assistant Vice President, Private Banking Manager at Technology Credit Union from 2012 to 2016. He holds a California Insurance License. Outside of his professional responsibilities, Ali enjoys family activities, exploring food, football, hiking, outdoor adventures, and traveling.

Phillip Cardinale is a financial professional with 42 years of industry experience, currently affiliated with Cetera. He holds a Series 63 designation and has worked at Cetera and its predecessor firms since 2005. Outside of his advisory role, he is a partner at Castlerock Insurance Group and serves as a trustee for the Rose McWalters Trust. Cetera Investment Advisers LLC is an SEC-registered firm that provides a multi-manager platform serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a nationwide network of over 10,000 advisors.

Ramshaa Anand is a financial advisor at Merrill with a Series 66 credential and four years of industry experience. Prior to Merrill, she worked at AXA Advisors, Fuli Investment, and has experience in other business roles including operating Ramshaa's Driving School, Inc. She is based in Walnut Creek, CA. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

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 with 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 his B.S. in Finance from the University of San Francisco and early in his career built a practice in San Francisco advising Silicon Valley executives on strategies for managing concentrated equity positions. Since 2009, he has been based in Merrill's Walnut Creek office, serving high-net-worth families and business owners. David specializes in developing customized wealth strategies aligned with client goals, emphasizing cash flow planning, risk mitigation, and tax reduction. He leverages the resources of Merrill and Bank of America to provide integrated solutions across investment management, banking, lending, insurance, and estate planning. His client focus areas include family wealth management, legacy planning, socially responsible investing, and tax minimization. David holds the Professional Investment Advisor (PIA) and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA) designations. He and his wife, Shannon, reside in Moraga, California. David previously coached his children's sports teams and now enjoys traveling and attending family sporting events, including supporting his son who plays Division I football at UCLA. He is also interested in 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.

Nicole Hindin is a financial advisor at Morgan Stanley with eight years of industry experience. She has been with Morgan Stanley since 2016, including a role at Morgan Stanley Private Bank, National Association. Outside of her advisory work, she is involved as an employee in two San Francisco-based restaurant and nightlife businesses. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs and tailored financial planning, leveraging firm-approved tools and models to support client planning needs.

Allison Stong is a Series 66-credentialed financial advisor with Morgan Stanley, based in Walnut Creek, CA. She has 15 years of industry experience, including six years at UBS before joining Morgan Stanley in 2017. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, emphasizing tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-sponsored planning services.

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.

Martha Mastracci is a Planning Consultant at Fidelity Investments, a role she has held since 2025. She works closely with clients to understand their unique circumstances, priorities, and long-term goals, aiming to build personalized plans that align with their vision for the future. She regularly reviews client progress and discusses strategies to improve outcomes or reduce risk, with the goal of helping clients feel confident and secure about their financial future. Martha has extensive experience in financial services, having previously served as a Relationship Manager at First Republic Bank from 2011 to 2023, Senior Vice President at Boston Private Bank from 2001 to 2011, and Assistant Vice President at The Boston Company from 1985 to 2001. She holds a California Insurance License. Outside of her professional work, Martha has an interest in art, football, golf, and traveling.

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.