Robert Johnson is a financial advisor at OSAIC with 34 years of industry experience. He holds Series 63 and Series 65 designations and previously worked for Securities America Advisors and Securities America Inc for a decade. He serves as Secretary on the board of the Dry Ridge Ranch Homeowners Association. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, utilizing asset-allocation tools and third-party platforms to manage portfolios across a wide range of investment types.

John Zimmermann is a financial advisor at Morgan Stanley with nine years of industry experience. He holds the Series 66 designation and has been with Morgan Stanley since 2016, including four years at Morgan Stanley Private Bank, N.A. based in Walnut Creek, CA. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs and tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and emphasizes structured planning processes supported by firm-approved tools and investment research.

Andrew Rubio Mendoza is a financial advisor with Charles Schwab, holding Series 63 and Series 66 licenses and four years of industry experience. His prior roles include positions at J.P. Morgan Securities LLC and JPMorgan Chase Bank, N.A. He has also worked in community and retail sectors, including the YMCA East Bay and Road Runner Sports. 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 access to discretionary separately managed accounts, supported by multi-asset model portfolios and a formal alternative-investment onboarding process.

Mary Kennon is a financial advisor at UBS Financial Services with four years of industry experience. She holds a Series 66 designation and has worked at UBS since 2021. Her prior work includes roles at OM3, Inc., Ogden Contract Interiors, Inc., and Pequod's Pizza. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, offering financial planning, portfolio management, and a broad range of investment products. The firm combines institutional trading capabilities with wealth management, operating as a broker-dealer, investment adviser, and futures commission merchant.

Kurt King is a CFP® with 27 years of industry experience, currently serving as a financial advisor at Ameriprise in Walnut Creek, CA. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2015. Outside of his advisory role, he has reported involvement in non-investment-related real estate ownership. Ameriprise offers a retirement-income planning service targeted at individuals nearing or in retirement who meet certain asset criteria, combining research, modeling, and tax-efficiency strategies to produce personalized recommendation reports delivered in partnership with advisors like King.

Raymond Preston Jr. is a financial advisor with Equitable Advisors in Walnut Creek, CA, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He has been with Equitable Advisors since 1999 and previously worked at Axa Advisors. Preston also serves as a successor trustee for his immediate family. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a range of advisory programs delivered through a network of Investment Adviser Representatives, utilizing both proprietary and third-party investment solutions.

Taylor Wan is a CFP® professional with 18 years of industry experience, currently serving as a financial advisor at UBS Financial Services. His prior experience includes roles at Wells Fargo Clearing, JP Morgan Securities, JP Morgan Chase Bank, and Charles Schwab. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, utilizing proprietary capital market assumptions and research to tailor financial plans and portfolio management services. The firm integrates institutional trading capabilities with wealth management, providing a broad range of services including futures commission merchant activities, principal trading, and affiliated banking programs.

Mark Jongeward is a CFP® and holds a Series 66 license with 40 years of industry experience. He has been with Ameriprise since 2005, currently serving in Walnut Creek, CA. Outside of his advisory role, he is involved in business ownership through MESA LLC. Ameriprise offers a retirement-income planning service aimed at individuals nearing or in retirement who meet specific asset criteria. The firm provides written Recommendation Reports addressing income sources, Social Security options, and tax-smart withdrawal strategies, combining research, modeling, and tax-efficiency analysis to support client planning.

Ma Rosanne Fernandez is a financial advisor with Morgan Stanley in Walnut Creek, CA, holding a Series 66 designation and two years of industry experience. She has been with Morgan Stanley since 2020. Prior to this, she worked at J Jill and was unemployed for a period before joining Morgan Stanley. Morgan Stanley Wealth Management is a registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial and estate planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and models.

Nishant Shailendra is a financial advisor at Morgan Stanley in Walnut Creek, CA, with 22 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, and at Citigroup Global Markets since 2006. Outside of his advisory role, he is involved in several entrepreneurial ventures including a contract photography business, and serves as Social Chair for the Oak Grove Swim Club. Morgan Stanley Wealth Management is a firm that provides a wide range of advisory programs to individuals and institutions, focusing on tailored financial planning supported by firm-approved tools and processes. The firm manages approximately $2.74 trillion in client assets and offers services that include both direct individual plans and Corporate Financial Planning agreements with employers.

Trevor Coons is a financial advisor at Fidelity with a Series 66 credential and two years of industry experience. Prior to joining Fidelity, he worked at Cybercoders and held positions at Gong and LendingClub. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including fund advisory and portfolio management. The firm combines fundamental research with quantitative analysis and algorithmic portfolio construction, managing model portfolios that utilize mutual funds, ETFs, and ETPs.

Karl Arias is a financial advisor with Edward Jones in Walnut Creek, CA, holding a Series 66 designation and two years of industry experience. He previously worked at JPMorgan Chase Bank for 18 years before joining Edward Jones in 2023. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory and investment solutions, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Jeffrey Miller is a financial advisor with MassMutual Investors Services, holding Series 63 and Series 65 licenses and bringing 17 years of industry experience. He has been with MML Investors Services Inc since 2009 and MassMutual Life Insurance Company since 2008. Outside of his advisory work, Miller serves as a high school swim coach. MassMutual Investors Services operates as a subsidiary of MassMutual and provides ongoing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers a range of programs including wrap and money-manager services, along with educational seminars.

Michael Chong is a CFP® professional with 18 years of industry experience, currently serving as a financial advisor at LPL Financial since 2021. His prior experience includes roles at Contra Costa Christian Schools, Ameritas Life Insurance, Waddell & Reed, and involvement with Big King Inc and Diablo Divorce, the latter being a business entity related to his financial advisory practice. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a wide range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by proprietary research and third-party subadvisors.

Brian Lopipero is a financial advisor with UBS Financial Services in Walnut Creek, CA, holding Series 63 and Series 66 licenses and five years of industry experience. He previously worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. from 2020 to 2022, and at Ecolab from 2014 to 2020. Outside of his advisory role, he operates a small business selling baseball cards on eBay. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm integrates proprietary research and institutional trading capabilities to deliver tailored investment solutions.

Sabrina Julian is a financial advisor with Cetera, holding Series 63 and Series 65 designations and bringing 24 years of industry experience. She has been with Cetera and affiliated entities since 2013. Outside of her advisory role, she provides organizing services specifically aimed at helping single women manage documents and downsize, and she has served as a past president of the Angels-Murphy Rotary Club, participating in community service projects. Cetera Investment Advisers LLC distributes its services through a nationwide network of independent advisors, serving individual, employer-sponsored, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services and operates a multi-manager platform with access to various investment strategies and program structures.

Morgan Becker is a financial advisor at Morgan Stanley with 29 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, N.A. since 2015 and at Morgan Stanley Smith Barney LLC since 2009. Becker serves as a board member for Abate Med, Inc., a biotech drug development company, and is involved with the Walnut Creek Chamber of Commerce and the Young Leaders Division of the Jewish Community Federation. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer serving both individual and institutional clients. The firm offers comprehensive financial planning and investment advisory services, managing approximately $2.74 trillion in client assets through a range of tailored programs.

John Fraser is a financial advisor at Morgan Stanley with two years of industry experience. He holds the Series 66 designation and has previously worked in roles at SoftwareONE and Oracle Corporation. Morgan Stanley Wealth Management is a registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning supported by structured discovery conversations and firm-approved planning tools.

Richard Wald is a financial advisor at Merrill with 40 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Merrill since 1986, also affiliated with Bank of America since 2009. Outside of his advisory work, he is a co-manager of a for-profit LLC that owns residential rental property with his spouse. 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, offering model-based and discretionary strategies for individuals, high-net-worth clients, and institutional investors.

Timothy Hintzoglou is a CFP®-designated financial advisor with 28 years of industry experience. He is currently affiliated with Cetera Wealth Services, LLC and Cetera, where he has worked since 2025. His prior experience includes long-term roles at Avantax Insurance Agency, LLC and Avantax Investment Services, Inc. Outside of his advisory work, he serves on the board of the nonprofit ARM of Care, Inc. and is a trustee for Walnut Creek Presbyterian Church as well as the Ray Matthes 1997 Trust. Cetera Investment Advisers LLC is a nationwide SEC-registered firm offering portfolio management, financial planning, and retirement services to individuals, employer-sponsored plans, corporate, charitable, and institutional clients. The firm operates as a multi-manager platform providing access to a range of investment strategies and program structures with over 10,000 advisors and more than $256 billion in assets under management.