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 at LPL Financial with 11 years of industry experience. He holds Series 65 and Series 63 designations and has worked at several firms, including Principal Life Insurance Company, Principal Securities Inc, TruWest, and Princor Financial Services Corporation. Outside of his advisory role, he is involved with FAST TRACK FINANCIAL, LLC, a business entity for tax and investment purposes. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, utilizing model portfolios, research, and technology-driven solutions.

Michelle Massey is a Wealth Management Advisor at Merrill Lynch Wealth Management, with over 20 years of experience in the industry. She specializes in a coordinated wealth management approach that aims to simplify wealth accumulation, provide protection, and plan for future generations. Her client focus areas include college education planning, corporate executive services, executive compensation, equity compensation services, family wealth management strategies, legacy planning, LGBT wealth planning, liquidity management, personal retirement planning, and philanthropic planning. Michelle holds multiple 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 responsibilities, Michelle is involved in her community through the North Pleasanton Rotary. In her spare time, she enjoys camping, hiking, gardening, and volunteering for children and veterans.

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 a Series 66 designation and previously worked at Wells Fargo Clearing and WELLS FARGO Advisors, LLC. 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, institutions, pension plans, and municipalities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Joshua Haney is a CFP® professional at Wells Fargo Clearing with 17 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors, LLC from 2012 to 2016. Outside of his advisory role, he serves as the treasurer for the Campolindo Homeowners Association in Moraga, CA, overseeing financial documents and budgeting. Wells Fargo Clearing specializes in retirement plan consulting for qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, providing a broad range of financial products including insurance-related vehicles and bank deposit sweep options.

Mario Duenas is a financial advisor with Wells Fargo Clearing in Walnut Creek, CA, holding Series 63 and Series 66 licenses and bringing 13 years of industry experience. He has worked at Wells Fargo Clearing and Wells Fargo Bank, N.A. since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and brokerage solutions. The firm manages approximately $671 billion in assets across more than 14,000 advisors and offers both discretionary and non-discretionary retirement plan services supported by in-house research and third-party analytics.

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.

Michael Devere is a financial advisor at OSAIC with 18 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Lincoln Financial Advisors Corporation, Mass Mutual Investors Services, Massachusetts Mutual Life Insurance Company, and Metlife Securities Inc. In addition to his advisory role, he is an agent offering accident, health, disability, long-term care, and traditional life insurance products along with fixed and equity-indexed annuities. OSAIC serves a wide range of retail and institutional clients, providing integrated brokerage and advisory services, financial planning, and access to multiple investment platforms and third-party money managers. The firm employs various asset-allocation tools and supports both discretionary and non-discretionary account management, offering diversified portfolios across multiple asset classes.

David Santos is a financial advisor with Wells Fargo Clearing in Castro Valley, CA, holding Series 63 and Series 65 credentials and eight years of industry experience. He has worked with Wells Fargo Clearing Services LLC since 2017 and has been associated with Wells Fargo Bank NA since 2015. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable range of investment options including insurance-related vehicles and bank deposit sweep programs.

Gurmeet Gulati is a financial advisor with Merrill based in Livermore, CA, holding a Series 66 designation and 19 years of industry experience. He has been with Merrill and its affiliate Bank of America, N.A. since 2012. Merrill, together with Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies to a range of clients including individuals, high-net-worth clients, and institutions.

Kevin Olison is a financial advisor with LPL Financial in San Ramon, CA, holding Series 63 and Series 65 credentials and 22 years of industry experience. His prior roles include positions at Grove Point Investments, LLC, Grove Point Advisors, LLC, and H. Beck, Inc. He is involved in financial planning and wealth management, including a focus on college planning strategies and caregiving support for boomers through related business activities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, and institutions. The firm offers comprehensive advisory programs and financial planning services supported by research and technology to deliver discretionary and non-discretionary portfolio management.

David Allen is a CFP® professional with 17 years of industry experience, currently serving as a financial advisor at Cetera since 2023. He has been involved with Cetera Wealth Services, LLC since 2016. Outside of his advisory role, Allen coaches junior varsity women's soccer at Las Lomas High School and serves as a non-officer director on the board of the Walnut Creek Soccer Club. Cetera Investment Advisers LLC provides advisory services through a large nationwide network of independent advisors, serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of investment management and financial planning solutions, utilizing a multi-manager platform that includes affiliated and third-party managers across various program structures.

Theresa Currier is a financial advisor at Wells Fargo Clearing with 29 years of industry experience. She holds Series 63, Series 65, and Series 66 designations. Prior to joining Wells Fargo Clearing in 2023, she worked at Nationwide Investment Services Corporation for 12 years. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non‑qualified deferred compensation plans, offering both non‑discretionary and discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a broader range of financial products, such as insurance-related vehicles and bank deposit sweep options.

Bolor Erdene Nergui is a financial advisor at Merrill with a Series 66 designation. She has held positions at Merrill and Bank of America since 2025 and 2026 respectively, and previously worked at ABB LLC, Bugat Corporation, and Instacart. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Ambreen Baig is a financial advisor at Wells Fargo Clearing with four years of industry experience. She holds a Series 66 designation and has worked previously at IndusInd Bank and ICICI Bank Ltd. Baig is based in Walnut Creek, CA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice grounded in modern portfolio theory. The firm includes a broad range of financial products, such as insurance-related vehicles and bank deposit sweep options, in its investment menus.

Lavanya Palakurthi is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. She holds the Series 66 designation and has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2020. Prior to that, she spent 18 years at Bank of America Corporation and Merrill. 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. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Michael Mercado is a financial advisor at Wells Fargo Advisors with 30 years of industry experience. He holds Series 63 and Series 65 licenses and has worked within the Wells Fargo organization since 2011, including roles at Wells Fargo Clearing. Outside of his advisory work, he owns MILARO INVESTMENTS, LLC. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that serves individuals, trusts, and institutional clients. The firm offers a broad range of investment and financial planning services, including specialized planning for business owners, athletes, and clients with special needs.