Joshua Estes is a financial advisor with Morgan Stanley in Walnut Creek, CA, holding a Series 66 designation and eight years of industry experience. His prior work includes roles at Merrill Lynch Pierce Fenner & Smith and Bank of America. Outside of his advisory work, he is involved in property management as a sole proprietor. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, combining tailored financial planning with various investment and estate planning strategies.

Nicole Hindin is a financial advisor at Morgan Stanley with eight years of industry experience. She has been with Morgan Stanley since 2016, including a role at Morgan Stanley Private Bank, National Association. Outside of her advisory work, she is involved as an employee in two San Francisco-based restaurant and nightlife businesses. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs and tailored financial planning, leveraging firm-approved tools and models to support client planning needs.

Allison Stong is a financial advisor at Morgan Stanley with 14 years of industry experience. She holds a Series 66 designation and previously worked at UBS from 2011 to 2017 before joining Morgan Stanley in 2017. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs that include tailored financial planning. The firm employs a structured planning process using firm‑approved tools, with approximately $2.74 trillion in client assets under management.

David Dunn is a financial advisor with Raymond James & Associates in Walnut Creek, CA, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He previously worked at Oppenheimer for 16 years before joining Raymond James in 2023. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base that includes individuals, institutions, and municipal entities, offering a range of financial planning and investment consulting services with a non-discretionary approach.

Martha Mastracci is a Planning Consultant at Fidelity Investments, a role she has held since 2025. She works closely with clients to understand their unique circumstances, priorities, and long-term goals, aiming to build personalized plans that align with their vision for the future. She regularly reviews client progress and discusses strategies to improve outcomes or reduce risk, with the goal of helping clients feel confident and secure about their financial future. Martha has extensive experience in financial services, having previously served as a Relationship Manager at First Republic Bank from 2011 to 2023, Senior Vice President at Boston Private Bank from 2001 to 2011, and Assistant Vice President at The Boston Company from 1985 to 2001. She holds a California Insurance License. Outside of her professional work, Martha has an interest in art, football, golf, and traveling.

Sean Perez is a Financial Consultant at Fidelity Investments, a position he has held since 2023. He has been with Fidelity since 2021, previously serving as an Investment Consultant and a Financial Representative. In his current role, Sean focuses on assisting clients and their families by leveraging Fidelity's products and services to help them advance toward their financial goals. Sean holds a California Insurance License, supporting his ability to provide comprehensive financial advice. His professional approach centers on understanding clients' unique financial journeys and providing tailored coaching to meet their needs. Outside of his professional responsibilities, Sean engages in family activities, fitness, social events, parenthood, running, and volunteering.

Raymond Gockowski is a financial advisor with Morgan Stanley in Walnut Creek, CA, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. He has been with Morgan Stanley since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning and estate planning services. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools supported by its Global Investment Committee’s estimates to help model financial outcomes.

Pamela Espinoza is a financial advisor with Morgan Stanley in Walnut Creek, CA, holding a Series 63 designation and 18 years of industry experience. She has been with Morgan Stanley since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and market simulations.

Jeffrey Snyder is a CFP® with over 31 years of industry experience. He is currently with Charles Schwab, where he has worked since 2021, following prior roles at TD Ameritrade and Scottrade. 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 combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers a range of integrated brokerage, custody, and advisory services.

Mark Larkin is a financial advisor at LPL Financial with 35 years of industry experience. He holds the Series 63 and Series 65 designations and previously worked for Western International Securities, Inc. for 18 years. He is also involved in non-variable insurance activities related to investments. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a wide range of clients including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers various advisory programs, financial planning, and retirement consulting, utilizing discretionary and non-discretionary management supported by comprehensive research and model portfolios.

Stephanie Green is a financial advisor with Morgan Stanley in Oakland, CA, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009 and the Morgan Stanley Private Bank, National Association since 2015. Outside of her advisory role, she is involved in healthcare administration at Alta Bates Medical Center and works as a nurse with the Visiting Nurses Association. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a wide range of advisory programs to individuals and institutions. The firm provides tailored financial planning through its Financial Advisors and Estate Planning Strategies Group, managing approximately $2.74 trillion in client assets.

Jeffrey Snyder is a financial advisor with Cambridge Investment Research Advisors in San Ramon, CA. He holds Series 63 and Series 65 licenses and has 30 years of industry experience, including over 10 years with Cambridge. Outside of his advisory role, he is a sales agent for Gateway Insurance Group. Cambridge Investment Research Advisors serves a diverse client base, including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent financial professionals, utilizing various platform arrangements and a mix of proprietary and third-party investment strategies.

Masihulla Nawabi is a financial advisor with J.P. Morgan Securities in Danville, CA, holding Series 63 and Series 66 credentials and bringing 16 years of industry experience. He has been with J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2013. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting through its Institutional Consulting Services program. The firm’s approach integrates quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Fazilet Ulucan is a financial advisor with Morgan Stanley in Walnut Creek, CA, holding Series 63 and Series 66 licenses and bringing 20 years of industry experience. She previously worked at Fidelity Investments and Fidelity Personal and Workplace Advisors before joining Morgan Stanley in 2019. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and market simulations as part of its financial planning process.

Jennifer Ha is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. She has worked at Raymond James & Associates since 2018 and previously held roles at Bank of the West and BancWest Investment Services from 2015 to 2018. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary services.

Celia Sandel is a certified financial planner (CFP®) with 26 years of industry experience. She has been with MassMutual Investors Services and MassMutual Life Insurance Company since 2011. In addition to her advisory role, she is licensed to sell individual life and group health insurance. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers comprehensive financial planning, asset management, and educational seminars with an emphasis on collaborative, goal-driven planning.

Veronica Weir is a financial advisor at Merrill with 17 years of industry experience. She holds a Series 66 designation and has been with Merrill since 2011. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Devenaire Wright is a financial advisor at Charles Schwab based in Oakland, CA, holding Series 63 and Series 66 designations with one year of industry experience. Prior to joining Schwab, Wright held positions at several firms including Price Family INEOS Grenadier of Marin and Northwestern Mutual. Before entering the financial industry, Wright worked at Toyota for five years. 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, offering a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts.

Christopher Eckhardt is a financial advisor at UBS Financial Services with 27 years of industry experience. He holds Series 63 and Series 65 credentials and previously worked at Bank of America and Merrill. Eckhardt is based in Walnut Creek, CA. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, leveraging proprietary research and capital market assumptions to tailor client solutions.

Barbara Ernst is a financial advisor at Cetera with 22 years of industry experience. She holds the ChFC®, Series 63, and Series 66 designations. Her prior experience includes 11 years with Allstate Insurance Companies before joining Cetera in 2025. Cetera Investment Advisers LLC serves a broad client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a range of portfolio management options and more than $256 billion in assets under management.