Robert Samuels is a financial advisor at Charles Schwab & Co., Inc. with 23 years of industry experience. He holds Series 63, 65, and 66 licenses and has been with Charles Schwab since 2016. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a combination of non-discretionary investment guidance and access to discretionary separately managed accounts. The firm is notable for its scale, integrated operational structure, and a formal approach to alternative investments and cash-sweep services.

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.

Richard Beaumont is a financial advisor with Morgan Stanley in Orinda, CA. He holds Series 63 and Series 65 licenses and has 32 years of industry experience. Beaumont has worked at Morgan Stanley Private Bank, National Association since 2015 and has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a wide range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process that includes firm-approved tools and scenario modeling.

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.

Gregory Hunter is a financial advisor at Cetera with 27 years of industry experience and a Series 66 designation. He has held various roles within Avantax and Cetera since 2007 and operates multiple tax and accounting businesses as managing partner and president. Hunter also provides fixed indexed annuities sales and financial planning services through his own entities. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, retirement plan, corporate, charitable, and institutional clients nationwide. The firm offers portfolio management, financial planning, and consulting through a multi-manager platform with access to a broad range of program options and third-party managers.

Samantha De Vito is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing nine years of industry experience. She has been with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2016. 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, delivering recommendations on a non-discretionary basis while clients retain final decision-making authority.

Manuel Soliz Jr. is a financial advisor with Thrivent Investment Management in Walnut Creek, CA, holding Series 63 and Series 65 licenses and possessing 27 years of industry experience. He has been with Thrivent Financial for Lutherans and Thrivent Investment Management since 2009. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of Financial Advisors, offering holistic, goal-based financial planning without discretionary trading authority or institutional portfolio management.

Karen Mcleland is a financial advisor at Wells Fargo Clearing with 23 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously spent seven years with Wells Fargo Advisors LLC. Outside of her advisory role, she owns and operates a Jazzercise franchise in Dublin, CA, where she serves as a certified aerobic instructor. 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 process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Ava Williams is a financial advisor at Morgan Stanley in Orinda, CA, holding a Series 66 designation with one year of industry experience. Prior to joining Morgan Stanley, she worked at Skipolini's Italian and was affiliated with the University of Nevada, Reno. Morgan Stanley Wealth Management serves individual and institutional clients by offering a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools and modeling techniques.

William Farber is a financial advisor at Ameriprise in Concord, CA, holding a Series 66 designation with 19 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2009. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement who meet specific eligibility criteria, providing written Recommendation Reports that address income sources, Social Security claiming options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Anna Kathryn Deboisblanc is a financial advisor at J.P. Morgan Securities with six years of industry experience. She holds Series 63 and Series 66 designations and has previously worked at Morgan Stanley, BTIG, LLC, and JMP Securities LLC. Outside of finance, she is also a yoga instructor at CorePower Yoga. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its investment recommendations.

Arthur Burton is a financial advisor with Mass Mutual Investors Services in Walnut Creek, CA, holding Series 63 and Series 66 designations and seven years of industry experience. His prior roles include positions at JP Morgan Securities LLC, PFS Investments Inc., and Primerica Financial Services. In addition to his advisory work, he is an owner and partner of Echelon Music Publishing Global, a music publishing business specializing in sync licensing deals. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, with a planning approach that involves collaborative, annual engagements using firm-approved analytical tools.

Timothy Shoji is a financial advisor at Wells Fargo Clearing with nine years of industry experience. He holds the Series 66 designation and has been with Wells Fargo since 2016. Outside of his advisory role, he co-owns Kingston Skye Investments, LLC, which invests in a private restaurant. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with a range of investment advisory, financial planning, and retirement consulting services, managing approximately $671 billion in assets and employing over 14,000 financial advisors.