Patrick Cronin is a Senior Financial Advisor and Senior Vice President at Merrill Lynch Wealth Management with over 39 years of experience in the financial advisory field, including more than 30 years with Bank of America and Merrill Lynch. He specializes in developing personalized wealth management strategies designed to help clients build a strong financial foundation. His advisory services cover areas such as family wealth management, personal retirement planning, portfolio management, special needs planning, individual and corporate investment strategies, tax minimization, and retirement income planning. Patrick earned a Bachelor's Degree in Business from California State Polytechnic University, Pomona, where he was a member of the 1980 NCAA Baseball Championship Team. He holds the designation of Personal Investment Advisor (PIA). Patrick emphasizes working closely with clients to tailor financial strategies that reflect their unique objectives, maintaining a commitment to integrity and respect throughout the process. Outside of his professional work, Patrick is involved with the PGAHOPE Foundation and helps run a golf tournament supporting disabled veterans. He enjoys gardening, golfing, hiking, reading, and spending time with his family. Born and raised in Oakland, California, he currently resides in Danville, California, with his wife Erica and their three daughters.

Robert Johnson is a financial advisor at OSAIC with 34 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Merrill for 17 years and Securities America Advisors for 10 years. Outside of his advisory role, he serves as Secretary of the Dry Ridge Ranch Homeowners Association. OSAIC serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm emphasizes model-based asset allocation and portfolio optimization through a multi-advisor platform offering a range of brokerage and advisory services.

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.

Yahweh Khao Sok is a Financial Advisor at Merrill Lynch Wealth Management. He specializes in personal retirement planning, small business strategies, and tax minimization, providing tailored financial advice to his clients. He holds a Bachelor's Degree from Hawaii Pacific University. Outside of his professional responsibilities, Yahweh enjoys bowling, boxing, reading, running marathons, spending time with his family, traveling, and watching movies.

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.

Mackenzie Sitzwohl is a Series 66-licensed financial advisor with Morgan Stanley in Orinda, CA, and has four years of industry experience. Prior to joining Morgan Stanley Smith Barney LLC in 2021, Sitzwohl worked at Victory Financial Planning and The Standard Insurance Company. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides financial planning and advisory services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. Their planning process employs firm-approved tools and modeling techniques, offering tailored financial plans without individual security recommendations as part of standalone programs.

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 with Morgan Stanley in Walnut Creek, CA, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. His prior work includes roles at Citigroup Global Markets and various divisions of Morgan Stanley dating back to 2003. Outside of his advisory work, he is the sole proprietor of ProPhoto, a contract photography business, and serves as a board member and Social Chair for the Oak Grove Swim Club. Morgan Stanley Wealth Management provides advisory and brokerage services to both individual and institutional clients, offering tailored financial planning supported by firm-approved tools and serving approximately $2.74 trillion in client assets.

Kathy Sowl Chelini is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. Her prior roles include 24 years at RBC Dain Rauscher Inc. and eight years with Wells Fargo Clearing. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad planning menu, including specialized services such as business-owner transition and sports & entertainment planning, utilizing Wells Fargo research and planning tools to develop tailored financial recommendations.

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.

Michael Felton is a financial advisor at OSAIC with 35 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at firms including Securities America Advisors, Inc., Brecek & Young Advisors, Inc., and Valic Financial Advisors. Outside of advisory, he is involved in insurance services, conducting risk analyses and reviewing clients’ insurance coverage as part of comprehensive financial planning. OSAIC serves a diverse client base including individual investors, retirement plans, charities, and corporate clients through a multi-advisor platform offering brokerage and advisory services. The firm’s investment approach focuses on model-based asset allocation, portfolio optimization, and the use of discretionary and third-party managed strategies.

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® with 18 years of experience in the financial services industry. He currently works at LPL Financial and has held prior roles at Contra Costa Christian Schools, Big King Inc., Diablo Divorce, Ameritas Life Insurance/Union Central, Monument Impact, Waddell & Reed, and various insurance carriers. Outside of his advisory work, he is involved with Big King Inc., a business entity maintained for tax and investment purposes. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management solutions, including model portfolios, third-party asset management access, and institutional platforms, supporting advisors with research tools and a broad suite of non-advisory financial services.

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.