Adrienne Dobbs is a financial advisor with Morgan Stanley in Walnut Creek, CA, holding a Series 66 designation and bringing 11 years of industry experience. She has worked at Morgan Stanley since 2017 and previously at UBS from 2015 to 2017. Outside of her advisory role, Dobbs serves as a trustee or successor trustee for investment-related trusts in California. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, including customized financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that incorporates firm-approved tools and modeling techniques.

Jared Ines is a financial advisor at Morgan Stanley in Walnut Creek, CA, holding a Series 66 designation with two years of industry experience. He previously worked at Merrill for four years and Bank of America NA for eleven years. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs, including tailored financial planning that utilizes firm-approved tools and modeling techniques.

Raul Aguilar Jr. is a financial advisor at Edward Jones with eight years of industry experience. He holds Series 63 and Series 66 licenses. Prior to joining Edward Jones in 2022, he worked at NYLIFE Securities LLC and New York Life Insurance Company from 2020 to 2022, and Wells Fargo Clearing Services LLC from 2015 to 2020. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and charitable organizations. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs and investment strategies under a fiduciary standard.

Sara Farner is a financial advisor at Morgan Stanley with 25 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Prior to that, she spent nine years at Citigroup Global Markets. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers comprehensive financial planning and advisory programs, managing approximately $2.74 trillion in client assets.

Maria Ricciardi Leonard is a financial advisor at Merrill with 32 years of industry experience. She has been with Merrill since 1994 and holds Series 63 and Series 66 licenses. Merrill, along 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 and profit-sharing plans, corporations, and charitable organizations.

Daniel Tang is a financial advisor with Merrill in Walnut Creek, CA, holding a Series 66 designation and bringing 12 years of industry experience. He has been with Merrill and Bank of America since 2015. 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 a range of client types including individuals, high-net-worth clients, and institutions.

Luke Mc Kernan is a financial advisor at Morgan Stanley in Walnut Creek, CA. He holds a Series 66 designation and has recently started his advisory career in 2025. Prior to joining Morgan Stanley, he worked in various roles including at California Polytechnic State University San Luis Obispo and Ahmed's Moving Express, Inc. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and financial planning services that utilize firm-approved tools and models to support tailored client plans.

Wahab Shah is a financial advisor at J.P. Morgan Securities with 16 years of industry experience. He holds Series 66 and Series 63 licenses. His prior experience includes roles at Citibank and Wells Fargo. 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 through a non-discretionary program.

Karen Dunphy is a financial advisor at Morgan Stanley with 25 years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley since 2015. The firm offers a wide range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by structured discovery conversations and firm-approved planning tools. Morgan Stanley Wealth Management manages approximately $2.74 trillion in client assets and delivers services that include both direct individual plans and Corporate Financial Planning agreements.

Tonu Viitas is a financial advisor with OSAIC, holding Series 63 and Series 65 licenses and with 23 years of industry experience. He previously worked at Sagepoint Financial, Inc. for 17 years before joining OSAIC. Outside of his advisory role, he serves as treasurer for the Estonian Society of San Francisco, a nonprofit organizing community events. OSAIC Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporate clients. The firm offers both brokerage and advisory services with a model-based investment process that includes portfolio optimization, discretionary management, third-party manager options, and a range of custodial and legacy programs.

Patrick Sinclair is a financial advisor at Stifel with 45 years of industry experience. He has been with Stifel Nicolaus & Co. Inc. since 2009. Sinclair holds the Series 63 and Series 65 designations and is based in Walnut Creek, California. Stifel serves a broad range of clients including individuals, institutional investors, charitable organizations, and municipal entities, offering brokerage and investment advisory services supported by proprietary investment analysis and allocation methodologies developed by its Investment Strategy Group.

Ron Silva is a CFP® with 32 years of experience in the financial services industry. He has been with LPL Financial since 2013 and previously worked at National Planning Corporation, Sterling Financial Services, Inc., and OSAIC. Silva also operates Silva Financial Planning Services. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and access to third-party asset management, supported by a large network of investment adviser representatives.

Christine Meyer is a financial advisor at Fidelity with five years of industry experience. She holds a Series 66 designation and has worked at Fidelity Investments since 2021, with prior roles at Merrill and Bank of America. Outside of her advisory role, she operates Beyond Bowls, reselling dough bowls at an outdoor marketplace in Danville, California. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, employing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver diversified model portfolios.

Robert Knoll Jr. is a financial advisor at Equitable Advisors with three years of industry experience. He holds Series 63 and Series 65 licenses. His prior experience includes positions at Northwestern Mutual and Morgan Stanley, as well as work outside the industry in the restaurant sector. He serves as a board member of the University of Oregon Alumni Association. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, pension plans, corporations, and charitable organizations. The firm utilizes a range of advisory programs and third-party asset managers to match clients with appropriate investment models and offers ERISA fiduciary services to qualified plans.

Michael Khaw is a Wealth Management Advisor at Merrill Lynch Wealth Management with 23 years of experience in wealth planning. He assists clients with wealth accumulation and distribution, focusing on tax efficiency to enhance return on investments. His areas of expertise include family wealth management strategies, liquidity management, managing new wealth, personal retirement planning, portfolio management services, socially responsible and ESG investing, tax minimization, and retirement income. Michael holds a Bachelor of Science degree from San Diego State University, where he majored in Biology and minored in Finance. He is a Chartered Financial Analyst® (CFA) charterholder and a CERTIFIED FINANCIAL PLANNER® (CFP) professional. He is also a Personal Investment Advisor (PIA). Michael has been married for 28 years to his wife Jennifer, who holds a PhD in Clinical Social Work and is an adjunct professor. They have two daughters, Lauryn, who began attending Duke Law in Fall 2022, and Jessica, who is a sophomore at the University of California, Santa Barbara. Michael and his wife are adjusting to life as empty nesters and enjoy traveling. He also has personal interests in biking, billiards, chess, hiking, racquetball, woodworking, yoga, and recently started playing pickleball and bocce.

Maria Dominguez is a financial advisor at Wells Fargo Clearing with 4 years of industry experience. She holds the Series 66 designation and has been with Wells Fargo Clearing since 2021, having worked concurrently at Wells Fargo Bank, N.A. since 2003. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering a range of services including investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, acting as an ERISA fiduciary when providing investment advice, and includes a discretionary 3(38) investment management option for clients who delegate authority.

Travis Tam is a CFP® professional with 21 years of experience in the financial services industry. He has been with Wells Fargo Clearing since 2016 and previously worked at Equitable Advisors for 11 years. He is based in Walnut Creek, CA. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, including pension and charitable organizations. The firm offers a range of advisory services, financial planning, and retirement plan consulting, utilizing research and analytics from Wells Fargo Investment Institute and third-party sources.

Jason Martin is a financial advisor with Wells Fargo Advisors in Brentwood, CA, holding a Series 66 designation and 17 years of industry experience. His prior roles include positions at Wells Fargo Clearing, Waddell & Reed, and Morgan Stanley & Co. LLC. Outside of his advisory work, Martin has ownership in a portfolio management business, Martin Financial Group Inc. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that offers investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services, including niche areas such as business-owner transition and special-needs analysis, using proprietary research and planning tools.

Mick Rognlien is a Wealth Management Advisor at Merrill Lynch Wealth Management in Walnut Creek, California, where he has served since 2011. He works closely with individuals and families who are growing their wealth and managing demanding careers, providing collaboration and accountability to help them achieve their financial goals. Mick's approach involves full transparency and purposeful conversations tailored to each client's unique situation. Mick began his career in financial services in 1998. He holds the Certified Financial Planner (CFP) designation, the Chartered Retirement Planning Counselor (CRPC) designation, and is a Personal Investment Advisor (PIA). He earned a Bachelor's degree from San Diego State University and a Master's degree from Saint Mary's College of California. In addition to his professional work, Mick is involved in youth coaching as part of his community activities.

Benjamin Hearnsberger is a CFP® professional with 19 years of industry experience. He is currently with Wells Fargo Clearing and has held positions at Bank of America, Merrill, and Destinational Wealth Management. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm utilizes research from Wells Fargo Investment Institute and third-party sources, applying diversification principles and modern portfolio theory in its investment evaluations.