Marcella Jennifer is a financial advisor at Ameriprise with two years of industry experience and holds the Series 66 designation. Her work history includes positions at Ameriprise and several educational institutions, including UCLA and the University of California, Berkeley. Ameriprise Financial Services is a large, diversified advisory firm that serves individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides tailored retirement planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Grace Campbell is a financial advisor at Edward Jones with eight years of industry experience. She holds the Series 63 and Series 65 designations and has previously worked with firms including Transamerica Financial Advisors and Inheritguard LLC. Campbell resides in San Ramon, CA. Edward Jones is a full-service wealth management firm serving a wide range of individual and institutional clients. The firm offers various advisory programs and investment solutions, supported by a large network of financial advisors and branch offices nationwide.

Phillip Cardinale is a financial professional with 42 years of industry experience, currently affiliated with Cetera. He holds a Series 63 designation and has worked at Cetera and its predecessor firms since 2005. Outside of his advisory role, he is a partner at Castlerock Insurance Group and serves as a trustee for the Rose McWalters Trust. Cetera Investment Advisers LLC is an SEC-registered firm that provides a multi-manager platform serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a nationwide network of over 10,000 advisors.

Ramshaa Anand is a financial advisor at Merrill with a Series 66 credential and four years of industry experience. Prior to Merrill, she worked at AXA Advisors, Fuli Investment, and has experience in other business roles including operating Ramshaa's Driving School, Inc. She is based in Walnut Creek, CA. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Vivian Chuan Sun is a financial advisor with LPL Financial based in San Ramon, CA, holding Series 63 and Series 65 credentials and bringing 28 years of industry experience. Her previous roles include positions at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, Wells Fargo Clearing, Wells Fargo Investments, and Citicorp Investment Services. She is a founder, member, and secretary of the Five Loaves & Two Fishes Global Foundation, a nonprofit organization. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management solutions, utilizing both proprietary and third-party strategies, supported by advanced operational and research tools.

Ellen Neumark is a CFP®-certified financial advisor with 41 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a broad range of investment options, such as insurance-related vehicles and bank deposit sweep programs.

Monique Tsenter is a Series 66-licensed financial advisor with Morgan Stanley, based in Walnut Creek, CA. She has six years of industry experience, including roles at Bank of America, Merrill, and entrepreneurial ventures such as Island Stylz. Tsenter is also the founder of the Rise Jamaica Foundation, a nonprofit focused on disaster relief and community assistance. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm provides tailored financial planning services supported by structured discovery processes and advanced modeling tools.

Jason Dondero is a financial advisor with Cetera, holding Series 63 and Series 66 designations and 16 years of industry experience. He has worked at Avantax Advisory Services and Avantax Investment Services, among other firms. In addition to his advisory role, he is employed at PH Tax & Wealth Solutions CPAs, Inc., where he provides accounting and tax preparation services. Cetera Investment Advisers LLC serves a wide range of clients including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers various portfolio management and financial planning services, operating as a multi-manager platform with over 10,000 advisors and more than $256 billion in assets under management.

Stevan Hoffman is a Series 66-licensed financial advisor with 24 years of industry experience. He has worked with Cambridge Investment Research Advisors since 2014 and previously was affiliated with MSI Financial Services, Inc. and Osaic FA, Inc. Outside of his advisory role, Hoffman is co-owner and treasurer of a European Wax Center franchise. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, pension plans, charitable organizations, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals, employing both proprietary and third-party strategies with a range of custody and platform options.

Jason Norrish is a financial advisor at Merrill with 27 years of industry experience. He holds a Series 66 designation and has worked at firms including Wells Fargo Clearing, Morgan Stanley, and Citigroup Global Markets. He is based in Walnut Creek, CA. 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 plans, corporations, and charitable organizations.

Moises Ramirez is a financial advisor at Merrill with a Series 66 credential and one year of industry experience. His work history includes roles at Bank of America, Merrill, and several other firms. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Brandon Herrera is a Private Wealth Manager with Merrill Private Wealth Management. He joined Merrill in March 2018, focusing primarily on the management and business development of the corporate cash segment. Prior to Merrill, Brandon spent nine years with Bank of America’s Commercial Banking team, where he served as a Treasury Sales Officer addressing the working capital needs of clients across for-profit healthcare, professional sports, not-for-profit healthcare, and institutional sectors. Brandon holds a Bachelor's Degree from California Polytechnic State University and is a Personal Investment Advisor (PIA). He resides in Clayton, California with his wife and three children. In addition to his professional work, Brandon is involved in coaching his sons in soccer and baseball and organizes a significant annual fundraiser barbecue for the local swim team. His personal interests include baseball, basketball, boating, camping, fishing, football, and hiking.

Linh Wong is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and 10 years of industry experience. Her prior roles include positions at JPMorgan Securities LLC, LPL Financial, East West Bank, and Cetera Investment Services. Wells Fargo Advisors is a national securities firm providing investment advisory, financial planning, and retirement plan consulting services to individual, corporate, and institutional clients. The firm manages roughly $671 billion in assets and offers both brokerage and advisory solutions.

David Cereghino is a Senior Financial Advisor with Merrill Lynch Wealth Management. He began his career in financial services in 1996 and has over 30 years of experience in private client wealth management. David earned his B.S. in Finance from the University of San Francisco and early in his career built a practice in San Francisco advising Silicon Valley executives on strategies for managing concentrated equity positions. Since 2009, he has been based in Merrill's Walnut Creek office, serving high-net-worth families and business owners. David specializes in developing customized wealth strategies aligned with client goals, emphasizing cash flow planning, risk mitigation, and tax reduction. He leverages the resources of Merrill and Bank of America to provide integrated solutions across investment management, banking, lending, insurance, and estate planning. His client focus areas include family wealth management, legacy planning, socially responsible investing, and tax minimization. David holds the Professional Investment Advisor (PIA) and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA) designations. He and his wife, Shannon, reside in Moraga, California. David previously coached his children's sports teams and now enjoys traveling and attending family sporting events, including supporting his son who plays Division I football at UCLA. He is also interested in basketball, boating, football, hiking, music, and surfing.

Kirk Cowan is a financial advisor at Edward Jones with eight years of industry experience. He holds the Series 66 designation and has been with Edward Jones since 2018. Prior to joining Edward Jones, he worked at Doric Realty Inc for nine years. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs, managed solutions, and affiliated investment products, supported by a network of more than 23,700 financial advisors nationwide.

Carmen Goldsmith is a CFP® with 25 years of industry experience, currently with Mass Mutual Investors Services in Walnut Creek, CA. She has been with MML Investors Services Inc and Mass Mutual Life Insurance since 2002. Mass Mutual 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 ongoing financial planning, asset management, and educational seminars, employing tools such as Monte Carlo simulations and automated asset-allocation software to deliver written financial recommendations.

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 Series 66-credentialed financial advisor with Morgan Stanley, based in Walnut Creek, CA. She has 15 years of industry experience, including six years at UBS before joining Morgan Stanley in 2017. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, emphasizing tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-sponsored planning services.

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.