John Wackowski is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. His prior roles include positions at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets. Outside of advisory work, he co-owns a rental property in Lafayette, California. 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. The firm’s process is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Cody Rasmussen is a financial advisor with OSAIC, holding Series 63 and Series 65 licenses and 14 years of industry experience. He previously worked at Jhfn Sii for five years before joining OSAIC in 2018. Rasmussen serves as a Major in the U.S. Military Reserves, performing duties as an Operations Officer for an Emergency Operations Cell. OSAIC Wealth serves a diverse range of clients, including individual investors, retirement plan sponsors, charities, and corporations. The firm offers comprehensive financial planning and advisory services through a multi-advisor platform that employs model-based asset allocation and portfolio optimization.

Timothy Argyres is a Certified Financial Planner (CFP®) with 26 years of industry experience. He is currently with J.P. Morgan Securities and has held previous roles at Potter Street Partners LLC, First Republic Securities, Bank of America, Merrill, and UBS Financial Services. Outside of his advisory work, he serves as a committee member for Wolfpack Basketball NorCal, a charitable organization focused on youth basketball, where he assists with financial oversight and budgeting. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, offering non-discretionary asset allocation advice, investment manager searches, and customized performance reporting supported by a centralized due diligence process.

Aura Scurtu is a Financial Consultant currently working at Fidelity Investments since 2022. In her role, she focuses on understanding her clients' financial goals and developing comprehensive financial plans with strategies aimed at helping them achieve those objectives. Prior to her current position, she was a Financial Solutions Advisor at Merrill from 2018 to 2022. She holds a California Insurance License, which supports her work in providing financial and insurance solutions to her clients. Outside of her professional career, Aura has interests in art, family activities, fitness, hiking, music, and parenthood.

Ning Guo is a Senior Financial Advisor at Merrill Lynch Wealth Management, leading The Kang Group, a Houston-based team focused on serving business owners, entrepreneurs, and families with wealth connected to operating businesses, liquidity events, and long-term planning. He specializes in business sales, tax-aware strategies, and coordination of trust and estate planning, particularly addressing the intersection of family, business, and cross-border considerations. Ning also provides culturally informed guidance to first-generation families managing significant wealth decisions. With over 15 years of experience in Fortune 500 companies prior to joining Merrill Lynch, Ning brings a multifaceted perspective to complex financial planning. He holds a Bachelor’s degree in Computer Engineering from Texas A&M University and an MBA from the University of Houston-Victoria. His professional designations include Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Ning is active in the community, having served six years on the board of the Asian Chamber of Commerce and holding leadership roles with the Riverstone Home Owner Association and Sunrise Youth Soccer Club. He is fluent in Chinese, English, and Mandarin and resides in Houston with his family. Outside of his professional work, Ning’s personal interests include golfing, reading, soccer, table tennis, traveling, and watching movies.

Nathan Richards is a financial advisor at RBC Capital Markets with a Series 66 designation and one year of industry experience. Prior to joining RBC Capital Markets, he held positions at Simpson University and RBC Wealth Management. RBC Wealth Management, a division of RBC Capital Markets, serves a wide range of clients including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers tailored investment strategies through various advisory programs and combines in-house and third-party portfolio management resources.

Yash Talreja is a Senior Financial Advisor with Merrill Lynch Wealth Management. He assists clients in managing their financial goals and aspirations, focusing on both asset and liability management to help preserve and grow wealth. His expertise encompasses financial and retirement planning, executive compensation, RSUs, college planning, small business strategies, corporate cash management, and tax-aware investments. Additionally, Yash supports clients interested in impact investing, helping them use their investments to promote social and environmental progress and equality while seeking competitive returns. He also guides qualified clients in selecting suitable alternative investments, including private real estate, private equity, and private credit through Merrill's platform. Prior to joining Merrill, Yash was a Financial Advisor at Morgan Stanley Wealth Management and has experience in the technology sector with roles at Amazon, Oracle, and PeopleSoft. He holds a bachelor's degree from the Indian Institute of Technology Delhi and a master's degree in computer engineering from the University of California, Davis. He has completed non-accredited certificate programs at the Massachusetts Institute of Technology and the University of Chicago. Yash holds the Certified Investment Management Analyst (CIMA) and Personal Investment Advisor (PIA) designations. Yash is involved with professional and community organizations including Sukarma, Asian Leadership Network, IIT Bay Area Alumni Association, and the Thyroid Cancer Survivor Association. He lives in Fremont with his wife and two daughters.

David Garcia is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and 13 years of industry experience. He has been with Wells Fargo Clearing since 2016 and Wells Fargo Bank NA since 2012. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions backed by research and analytics from the Wells Fargo Investment Institute.

Marc Steinberg is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2018. He has worked in the financial services industry since 2008, with previous roles including Senior Financial Consultant at TD Ameritrade from 2011 to 2018, Financial Solutions Advisor at Merrill Lynch from 2010 to 2011, and Client Sales Officer, Licensed (Trader) at US Trust, Bank of America Private Wealth Management from 2008 to 2010. Marc holds a California Insurance License. He approaches his work with professionalism, transparency, and care, aiming to build trust and deliver value to clients through comprehensive financial planning and personalized service.

Thomas O'Neill is a financial advisor at OSAIC with a Series 66 designation and 15 years of industry experience. He previously spent 16 years with Lincoln Financial Advisors. In addition to his advisory role, he offers accident, health, long-term care, and life insurance products. OSAIC serves a diverse range of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including financial planning, managed portfolios, and retirement plan consulting. The firm’s investment process focuses on model-based asset allocation and portfolio optimization supported by risk-tolerance analysis and rebalancing tools.

Eric Cline is a financial advisor with Morgan Stanley in Walnut Creek, CA, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has worked with Morgan Stanley Smith Barney since 2009 and at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management provides advisory programs to individual and institutional clients, offering tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers a range of investment services alongside its financial planning capabilities.

Christian Dominguez is a financial advisor with LPL Financial in Walnut Creek, CA, holding Series 63 and Series 65 credentials and 11 years of industry experience. His prior roles include positions at Principal Life Insurance Company, Principal Securities Inc, TruWest, and Princor Financial Services Corporation. He is also associated with FAST TRACK FINANCIAL, LLC, a business entity used for tax and investment purposes. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a broad range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Michelle Massey is a Wealth Management Advisor with Merrill Lynch Wealth Management. She has been in the industry for more than 20 years, providing coordinated wealth management services that focus on simplifying wealth accumulation, providing protection, and developing planning strategies for future generations. Her client focus areas include college education planning, corporate executive services, executive and equity compensation, family wealth management strategies, legacy and philanthropic planning, LGBT wealth planning, liquidity management, and personal retirement planning. Michelle holds several professional designations, including Accredited Asset Management Specialist (AAMS), CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). She earned both her Bachelor's and Master's degrees from the University of Phoenix. Outside of her professional role, Michelle enjoys camping, hiking, gardening, cooking, fishing, football, softball, traveling, volleyball, and yoga. She is involved in community activities and volunteers with organizations such as the North Pleasanton Rotary.

Scott Klein is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. He has worked at Equitable Advisors since 2008, following prior roles at AXA Advisors and Commonwealth Financial Network. Outside of advisory services, Klein is involved in health and long-term care insurance brokerage activities. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and asset management programs. The firm’s approach involves matching clients to investment models or discretionary managers, often through third-party asset managers and specialized advisory programs.

Scott Goggin is a financial advisor at Morgan Stanley with 14 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley Smith Barney since 2012, currently serving the Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a wide range of advisory programs and 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 analysis.

Matthew Foreman is a financial advisor at Raymond James & Associates with 13 years of industry experience. He holds the Series 66 designation and previously worked for Wells Fargo Clearing for nine years. Raymond James & Associates, Inc. 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, institutional and pension plans, charitable organizations, and governmental entities, offering financial planning, non-discretionary investment consulting, and institutional advisory services.

Joshua Haney is a financial advisor with Wells Fargo Clearing in Walnut Creek, CA, holding the CFP® designation along with Series 63 and Series 66 licenses. He has 18 years of industry experience, including multiple roles at Wells Fargo affiliates since 2009 and a position at Bancwest Investment Services in 2011-2012. Outside of his advisory work, he serves as Treasurer for the Campolindo Homeowners Association, overseeing financial accounts and budgeting. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement consulting services. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from the Wells Fargo Investment Institute.

Mario Duenas is a financial advisor with Wells Fargo Clearing based in Walnut Creek, CA. He holds Series 63 and Series 66 designations and has 13 years of industry experience, including 10 years at Wells Fargo Clearing and Wells Fargo Bank, N.A. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions, utilizing research from Wells Fargo Investment Institute and third-party sources.

Gary Berg is a financial advisor with Ameriprise in Walnut Creek, CA, holding Series 63 and Series 65 credentials and having 40 years of industry experience. He has been with Ameriprise and its related entities since 2005. Outside of advising, he has administrative roles in managing business expenses for financial advisory practices through two LLCs. Ameriprise provides retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to generate written, non-discretionary recommendations. The firm offers a broad range of advisory, brokerage, and insurance solutions typical of a large institutional provider.

Stephen Koh is a financial advisor with Mass Mutual Investors Services in Hayward, CA, holding Series 63 and Series 65 licenses and having 39 years of industry experience. He has been with MML Investors Services Inc. and Mass Mutual Life since 2007. Outside of his advisory work, he serves as a pastor, preaching and pastoring in Fremont, CA. MML 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 financial planning, asset management, and educational seminars, using collaborative, software-supported analyses to develop client recommendations.