John Fraser is a financial advisor with Morgan Stanley, holding a Series 66 designation and one year of industry experience. Before joining Morgan Stanley, he worked at SoftwareONE and Oracle Corporation. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by structured discovery and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and provides advisory services across multiple financial products and strategies.

Richard Wald is a financial advisor with Merrill in Walnut Creek, CA, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He has worked at Merrill since 1986 and at Bank of America since 2009. Outside of advising, he is a co-manager of a for-profit entity owning residential rental property with his spouse. Merrill provides managed account services to Bank of America fiduciary clients through model-based and discretionary investment strategies, serving individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Greg Coburn is a CFP® professional with over 32 years of experience in the financial industry. He is currently with LPL Financial and has held roles at Bank of the West and BancWest Investment Services since 2016. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing discretionary and non-discretionary management supported by research from LPL Research and third-party subadvisors.

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.

Marja Rusch is a financial advisor with Wells Fargo Clearing and holds a Series 66 designation. She has been with Wells Fargo Clearing Services, LLC since 2021 and Wells Fargo Bank, NA since 2006. Although she has no industry experience as an advisor, she has over 20 years with Wells Fargo in other capacities. Wells Fargo Advisors is a national securities firm providing investment advisory, financial planning, and retirement plan consulting services to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute.

Christine Mccomas is a financial advisor at Wells Fargo Clearing with 12 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Wells Fargo Clearing since 2016, following four years with WELLS FARGO Advisors, LLC. 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 advisory process is IPS-driven and grounded in modern portfolio theory, incorporating a broad range of financial products including insurance-related vehicles and bank deposit sweep options.

Sally Jermain is a financial advisor at Cambridge Investment Research Advisors with 25 years of industry experience. She holds the CFP® and Series 66 designations. Prior to joining Cambridge in 2024, she worked at LPL Financial for eight years. Outside of her advisory work, she owns a business related to Qigong and Medical Qigong and is involved in a performing arts business. Cambridge Investment Research Advisors serves a diverse range of clients, including individuals, pension and profit-sharing plans, charitable organizations, and trusts. The firm provides financial planning, investment management, retirement plan advisory, and financial-wellness services through a network of independent professionals, offering both proprietary and third-party investment strategies across multiple platforms.

Peggy Hatch is a financial advisor at Fidelity with 17 years of industry experience. She holds Series 63 and Series 65 licenses and has worked with Fidelity Personal and Workplace Advisors since 2018. Her career at various Fidelity affiliates dates back to 2013. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, employing proprietary fundamental research combined with quantitative analysis and algorithmic portfolio construction to manage portfolios that include mutual funds, ETFs, and ETPs.

Stephen Butterfield is a financial advisor with RBC Capital Markets in Walnut Creek, CA, holding Series 63 and Series 66 licenses and 14 years of industry experience. He has been with RBC Capital Markets since 2018 and previously worked at Dublin Mazda and Ascentis. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers multiple advisory programs with tailored investment strategies, combining in-house and third-party managers along with customizable portfolio management options.

Kulwinder Mann is a financial advisor at Merrill with 18 years of industry experience. Mann holds Series 63 and Series 65 licenses and has worked at Merrill since 2008, with concurrent experience at Bank of America, N.A. since 2016. 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 to individuals, high-net-worth clients, and various institutional clients. The firm is integrated into Bank of America’s broader corporate platform and offers access to a wide set of products and services.

Grace Greening is a Wealth Management Advisor at Merrill Lynch Wealth Management and a member of the G/M Group. She began her career at Merrill Lynch in 2019 as a Financial Advisor Development Intern and transitioned into a full-time role in 2020. In her current role, she works with individuals and families to help with wealth planning, establishing inter-generational wealth, and asset management. Grace specializes in areas including college education planning, divorce transition planning, managing new wealth, personal retirement planning, women and wealth, investment strategy for individuals and corporations, and retirement income. She holds several professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). She earned a bachelor's degree in Business Administration from the University of Oregon. Grace grew up in Oakland and has been involved in competitive soccer, which has influenced her ongoing commitment to community engagement. Her personal interests include boating, cooking, hiking, soccer, spending time with her family, and traveling.

David Reppas is a financial advisor at UBS Financial Services with 39 years of industry experience. He has been with UBS since 2009 and holds Series 63 and Series 65 licenses. Outside of financial services, his spouse works in quality control for a restaurant franchise. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services. The firm combines institutional trading capabilities with wealth management, offering fee-based financial planning, portfolio management, and access to proprietary research and capital markets services.

Jessica Steffensen is a financial advisor with Cetera in Walnut Creek, CA, holding a Series 66 license and two years of industry experience. Prior to joining Cetera in 2025, she worked at Avantax Investment Services and Advisory Services from 2024 to 2025. Outside of her advisory role, she manages a tax services firm that provides tax preparation, planning, and bookkeeping, and serves as Chief Financial Officer for a nonprofit community pool association. Cetera Investment Advisers LLC serves a broad client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform, supporting both discretionary and non-discretionary program structures.

Alex Baldwin is a financial advisor at Morgan Stanley with four years of industry experience. He holds the Series 66 and Series 63 licenses and has worked at Morgan Stanley and Fidelity Investments. Baldwin is also involved as an officer in a nonprofit organization focused on education, environmental conservation, and youth services. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, emphasizing structured financial planning supported by firm-approved tools and strategies. The firm manages approximately $2.74 trillion in client assets and provides both direct and employer-sponsored planning services.

Karen Harootenian is a Series 66 licensed financial advisor with Morgan Stanley in Walnut Creek, CA, bringing 15 years of industry experience. She has been with Morgan Stanley and its Private Bank division since 2013. 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 and tailored financial planning solutions. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm‑approved tools and research.

Ronald Wagner is a financial advisor at OSAIC with 35 years of industry experience. He holds Series 63 and Series 65 credentials and previously worked at SagePoint Financial, Inc. for 14 years. Wagner also serves as president of Wagner Loftin Investment Services LLC, a registered investment adviser managing client accounts. OSAIC serves a diverse range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and advisory services, financial planning, and access to third-party investment solutions. The firm employs a variety of asset-allocation tools and supports both discretionary and non-discretionary account management.

Gregory Mccormac is a financial advisor at Wells Fargo Clearing with 17 years of industry experience. He holds a Series 66 designation and has worked at Wells Fargo Clearing since 2016, following five years at Wells Fargo Advisors LLC and over two decades at Wells Fargo Bank. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans. The firm’s IPS-driven advisory process incorporates modern portfolio theory and offers both non-discretionary and discretionary services, including a Plan Level Investment Selection 3(38) option, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in its investment menus.

Ysela Madrigal is a financial advisor at Primerica Advisors with 16 years of industry experience. She holds Series 63 and Series 66 designations and has worked previously at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm operates through a large network of advisors and utilizes model-delivery strategies managed by unaffiliated asset managers.

Kathryn Hannigan is a financial advisor at Morgan Stanley with four years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley since 2019. Her prior experience includes roles at Boardwalk Investment Group, Inc. and involvement with De La Salle High School and Vibe Volleyball Club. Morgan Stanley Wealth Management provides advisory programs to individual and institutional clients, offering tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and delivers comprehensive service through its wide range of retail and institutional offerings.

Cara Zeller is a Series 66-licensed financial advisor with Morgan Stanley in Walnut Creek, CA, where she has worked since 2009. She has 18 years of industry experience. 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, including tailored financial planning and estate planning strategies, managing approximately $2.74 trillion in client assets.