Pamela Regatuso is a financial advisor at Fidelity with 10 years of industry experience. She holds Series 66 and Series 63 credentials and previously operated her own fiduciary advisory firm for 11 years before joining Fidelity. She has worked at Fidelity Investments since 2022. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios and oversees delegated management with attention to conflicts of interest.

Linh Le is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 20 years of industry experience. She has worked with Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2011 to 2016. Outside of her advisory role, Linh assists elderly individuals through her work with Santa Clara In Home Support Services. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory options based on an IPS-driven process grounded in modern portfolio theory. The firm’s services include investment policy statement preparation, performance reporting, participant education, and plan benchmarking, with a notable inclusion of insurance-related investment vehicles and bank deposit sweep options.

Mariah Lininger is a financial advisor at Merrill with a Series 66 credential and four years of industry experience. Her career includes roles at the University of California, Davis, Feather River College, and the District 4 County Supervisor's Office in Yolo County. 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, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Nicholas Tarrab is a financial advisor with UBS Financial Services in Walnut Creek, CA, holding a Series 66 designation and 21 years of industry experience. He has been with UBS Financial since 2004. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services such as fee-based financial planning and discretionary portfolio management.

David Spencer is a financial advisor at LPL Financial with 18 years of industry experience. He holds the ChFC® designation and Series 66 license. His prior experience includes roles at Merrill Lynch and Bank of America. Outside of his advisory work, he is involved with Broadway Endeavor, LLC, a real estate rental business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs and financial planning services, utilizing various model portfolios and research resources.

John Greiten is a financial advisor with Ameriprise in Martinez, CA, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement who meet certain asset thresholds, delivering written recommendations that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm uses a combination of research, modeling, and algorithmic tools overseen by a dedicated consulting team to support its advisory process.

Gordon Williams is a financial advisor with Morgan Stanley in Walnut Creek, CA, holding Series 63 and Series 65 credentials and bringing 22 years of industry experience. He has been with Morgan Stanley and its Private Bank since 2013. Outside of his advisory role, he is involved in real estate ownership as a sole proprietor. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and a range of advisory programs supported by structured planning tools and research from its Global Investment Committee.

Hallie Hart is a financial advisor at UBS Financial Services with 26 years of industry experience. She has worked at UBS since 2016 and previously spent 16 years at Merrill Lynch. Outside of her advisory role, Hallie is the proprietor of Stick Your Wings Out, an educational advocacy group focused on support for parents of exceptional children. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and advisory solutions including financial planning, portfolio management, and alternative product distribution. The firm combines institutional trading capabilities with wealth management services and leverages proprietary research and asset allocation models to tailor investment strategies.

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 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 credentials and bringing 39 years of industry experience. He has been with Equitable Advisors since 1999 and previously worked at Axa Advisors, LLC. He also serves as a successor trustee for his immediate family. Equitable Advisors provides services to individual investors, retirement plan sponsors, corporations, and charitable organizations, offering financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm operates a hybrid referral and implementation model, combining advisory and brokerage channels to tailor client 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 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.