Josh Grassel is a Vice President, Financial Consultant at Fidelity Investments. In this role, he partners with high net worth clients and their families to work towards achieving their financial goals. He helps clients develop, maintain, and update their financial plans as their needs and objectives change over time. Josh has been with Fidelity Investments since 2015, progressing from Investment Consultant to Financial Consultant, and currently serving as Vice President, Financial Consultant since 2023. Prior to Fidelity, he worked as a Financial Advisor at Ameriprise from 2013 to 2014, and held positions at Citibank as a Personal Banker and Financial Associate between 2011 and 2013. He holds a California Insurance License.

John Greening is a Financial Advisor at Merrill Lynch Wealth Management. He focuses on connecting clients with tailored financial plans that align with their personal ambitions and priorities. His work encompasses areas such as college education planning, family wealth management strategies, legacy planning, LGBT wealth planning, managing new wealth, personal retirement planning, small business strategies, socially responsible and ESG investing, tax minimization, and retirement income. John utilizes a holistic approach to financial planning, leveraging resources from Merrill Lynch and the banking services of Bank of America. He aims to help clients manage their finances efficiently with acceptable levels of risk, placing clients at the center of the planning process to provide personalized service. He holds an active Series 7 and 66 FINRA registrations and professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). John earned a Bachelor's Degree from California Polytechnic State University, Pomona. In his personal time, he enjoys boating, camping, cooking, fishing, and hiking.

Daniel Tichenor is a financial advisor at Morgan Stanley with 21 years of industry experience. He has held positions at Morgan Stanley Private Bank, N.A. since 2020 and has been with Morgan Stanley since 2017, following nine years at UBS Financial Services and three years at MSI Financial Services, Inc. He holds a Series 66 designation. Outside of his advisory role, he serves as a trustee and co-trustee for a trust in Los Osos, California. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm provides a range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies.

Jared Dannis is a Series 66-credentialed financial advisor with 17 years of industry experience, currently affiliated with OSAIC. He has worked previously at Royal Alliance Associates, Inc. and Signator Investors, Inc. Outside of advising, Dannis operates as an independent life and health insurance agent under a sole proprietorship and serves as a trustee of an immediate family member’s irrevocable trust. OSAIC serves a wide range of retail and institutional clients through a large network of affiliated advisors, offering integrated brokerage and investment advisory services with a focus on diversified portfolio construction using various asset classes and third-party platform solutions.

Raymond Abraham is a financial advisor with Cetera who holds the ChFC® designation and has 43 years of industry experience. He has been associated with Cetera Wealth Services, LLC since 2013 and also works with Ready Wealth Advisors. Outside of his advisory role, he serves as a board member, benefactor, and volunteer leader for The Baun Project, a Christian missionary organization. Cetera Investment Advisers LLC is an SEC-registered firm that offers a range of portfolio management, financial planning, and retirement services through a nationwide network of independent advisors. The firm serves individual, corporate, charitable, and institutional clients, providing access to multiple investment strategies and program options across discretionary and non-discretionary accounts.

Xiao Feng Wu is a financial advisor at Charles Schwab in Oakland, CA, holding Series 63 and Series 66 licenses with seven years of industry experience. Prior to joining Charles Schwab, Wu worked at several major financial institutions including LPL Financial, U.S. Bancorp Investments, Wells Fargo Clearing, JPMorgan Chase, Bank of America, Merrill, Citibank, and East West Bancorp. Charles Schwab & Co., Inc. serves a large client base mainly composed of 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 blend of non-discretionary advisory relationships with access to discretionary separately managed accounts, utilizing multi-asset model portfolios and a centralized operational structure.

Gregory Anderson is a financial advisor with Merrill in Oakland, CA, holding Series 63 and Series 65 licenses and possessing 33 years of industry experience. He has been with Merrill and Bank of America, N.A. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Bryce Sadosky is a CFP® and holds a Series 66 license with nine years of industry experience. He has been with Charles Schwab since 2016, including a role at Charles Schwab Bank since 2017. He is based in Walnut Creek, CA. 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 discretionary separately managed accounts, utilizing multi-asset model portfolios and a formal alternative investment program.

Nina Chung is a financial advisor at Morgan Stanley with 27 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Morgan Stanley since 2013. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs and tailored financial planning services to individual and institutional clients. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that integrates advanced modeling tools.

John Fuller is a CFP® professional with 31 years of industry experience, currently serving as a financial advisor at Ameriprise since 2024. He previously worked at Edward Jones for 20 years. Outside of his advisory role, Fuller is engaged in writing a book titled *Cash Flow – The Holy Grail of Finance*. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement, combining research, modeling, and tax-efficiency analysis to provide non-discretionary, written recommendation reports. The firm serves clients with significant investable assets and integrates algorithmic automation with advisor input to tailor retirement income strategies.

Kate Holloway is a Senior Financial Advisor at Merrill Lynch Wealth Management. She began her career at Merrill Lynch in 2007 with the Institutional Advisory Division in San Francisco before joining the Fish Group in 2008. Kate focuses on multi-generational households and specializes in areas including college education planning, personal retirement planning, socially responsible and values-based investing, as well as women and wealth. Kate earned her Bachelor's Degree from the University of California, Davis, with a major in English and a minor in Sociology. She holds professional designations as a Chartered SRI Counselor (CSRIC) and Personal Investment Advisor (PIA). Her approach centers on putting clients at the center of the wealth management process by delivering education, planning, and investment strategies tailored to their personal goals. Outside of her professional role, Kate volunteers with Muttville Senior Dog Rescue, where she fosters and provides hospice care for senior dogs. She enjoys hiking around San Francisco, knitting and crocheting, and baking for family, friends, and community events.

Vincent Franceschi is a financial advisor at J.P. Morgan Securities with one year of industry experience. He holds a Series 66 designation and previously worked at First Republic Bank for 13 years. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with additional market-facing registrations and functions, delivering services on a non-discretionary basis.

Sarah Vancoops Bush is a financial advisor at Wells Fargo Clearing with 13 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Wells Fargo in various capacities since 2001, including roles at Wells Fargo Advisors and Wells Fargo Bank NA. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. Its advisory process is IPS-driven and grounded in modern portfolio theory, with a broader set of financial product offerings than is typical for large institutional advisers.

Samantha Dozier is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and one year of industry experience. Her prior work includes roles at Wells Fargo Bank, N.A. and Benchmark Mortgage. 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 services. The firm’s approach is IPS-driven and based on modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Jean Quinlan Riggi is a financial advisor with Morgan Stanley Wealth Management in Walnut Creek, CA, holding Series 63 and Series 66 licenses and 19 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individuals and institutional clients with a variety of advisory programs, including customized financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools such as Monte Carlo simulations in its financial planning process.

Helen Draper is a financial advisor at OSAIC with eight years of industry experience. She holds a Series 66 designation and has previously worked at Woodbury Financial Services Inc. and Stark Miller Financial Benefits Group. Outside of her advisory role, Draper serves as a Client Services Manager at BAMCOFINACNCIAL AND INSURANCE SERVICES INC and works as a bookkeeper in a sole proprietorship. OSAIC serves a wide range of retail and institutional clients through an extensive network of affiliated advisors and advisory platforms, offering integrated brokerage, investment advisory, financial planning, and retirement consulting services. The firm employs asset-allocation tools and third-party solutions to manage diversified portfolios across multiple investment types on discretionary or non-discretionary bases.

Alfred Steingraf is a financial advisor at Edward Jones with nine years of industry experience. He holds a Series 66 designation and has been with Edward Jones since 2017. Prior to that, he worked briefly at Campaign Monitor in 2016. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions supported by a large nationwide network of financial advisors and branch offices.

Peter Waldron is a financial advisor with Osaic who holds a Series 66 license and has 22 years of industry experience. He worked at Lincoln Financial Advisors for 21 years before joining Osaic in 2025. Outside of his advisory role, he manages Trailblazer Wealth LLC and serves as a manager and general partner of Waldrone Partners LLC, as well as owning and managing term life insurance activities through Eggers, LLC. Osaic Wealth, Inc. serves a diverse range of clients, including individual investors, institutions, and charitable organizations, offering a variety of integrated brokerage, advisory, and financial planning services. The firm employs asset-allocation tools and multiple investment platforms to deliver tailored portfolio management solutions.

Muhammad Afzal is a financial advisor with Wells Fargo Clearing in Walnut Creek, CA, holding Series 63 and Series 66 designations and four years of industry experience. His prior roles include positions at Bank of America, Merrill, and J.P. Morgan Securities LLC. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

John Lacour is a Series 66-licensed financial advisor with Morgan Stanley in Walnut Creek, CA, bringing 20 years of industry experience. He has been with Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a variety of advisory programs for both individual and institutional clients, including tailored financial planning services supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers comprehensive planning but does not provide individual security recommendations through its standalone financial planning program.