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.

William King III is a CERTIFIED FINANCIAL PLANNER™ professional with 26 years of industry experience. He has worked at Wells Fargo Advisors since 2016 and previously held positions at Citigroup Global Markets and Citicorp Investment Services. He is based in Oakland, CA. 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 and utilizes research from Wells Fargo Investment Institute alongside third-party analytics to inform its investment approach.

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.

Undralyn Williams Reed is a financial advisor at Charles Schwab with four years of industry experience. She holds a Series 66 designation and previously worked at TIAA Kaspick from 2013 to 2022. Reed is based in Oakland, CA. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated financial planning services. The firm offers a combination of non-discretionary and discretionary investment management, supported by a multi-asset model portfolio approach and centralized operational infrastructure.

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.

Batkhuu Batjargal is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and bringing 12 years of industry experience. His prior roles include positions at Bank of the West, Bancwest Investment Services, Edward Jones, and Morgan Stanley. Outside of his advisory work, he is the owner of Maxhunt Inc, operating a tea shop business in Concord, California. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to third-party asset management, supported by a large network of investment adviser representatives.

David Allen is a CERTIFIED FINANCIAL PLANNER™ professional with 17 years of industry experience. He is currently with Cetera and has previously worked at Accuvest Global Advisors, Inc. He is a partner and financial advisor at True Wealth Advisory Group and serves as a coach for the junior varsity women's soccer team at Las Lomas High School. Additionally, he holds a non-officer director position at The Walnut Creek Soccer Club, a nonprofit organization. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of over 10,000 advisors. The firm offers portfolio management, financial planning, and consulting services via a multi-manager platform that includes model portfolios, third-party managers, and customizable strategies across various program structures and custodial relationships.

Theresa Currier is a financial advisor at Wells Fargo Clearing with 30 years of industry experience. She holds Series 63, Series 65, and Series 66 designations. Prior to joining Wells Fargo in 2023, she worked for Nationwide Investment Services Corporation from 2011 to 2023. Wells Fargo Advisors is a national securities firm that serves individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Bolor Erdene Nergui is a financial advisor at Merrill with a Series 66 designation and no prior industry experience. Their work history includes positions at Bank of America, ABB LLC, Bugat Corporation, and Instacart. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, and institutions.

Russell Huebschle is a financial advisor at Morgan Stanley with 26 years of industry experience. He holds the Series 63 and Series 66 designations and has worked at Morgan Stanley since 2019. His prior experience includes roles at Wells Fargo Clearing, Robert Baird & Co., and Credit Suisse Securities (USA) LLC. Morgan Stanley Wealth Management provides advisory and brokerage services to individual and institutional clients, offering tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and delivers services through both direct client relationships and corporate financial planning agreements.

Lavanya Palakurthi is a financial advisor with J.P. Morgan Securities in Walnut Creek, CA, holding a Series 66 designation and 12 years of industry experience. She has worked with J.P. Morgan Securities and JPMorgan Chase Bank since 2020 and previously had an 18-year tenure at Bank of America Corporation and Merrill. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process includes centralized due diligence with quantitative and qualitative analysis and incorporates an ESG eligibility framework in recommending investment strategies.

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 at several notable firms, including Merrill, Banc of America Investment Services, and Morgan Stanley. He is also involved in managing a private investment entity focused on mobile home parks. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services tailored to various specialized needs. The firm combines proprietary research and planning tools to develop customized client recommendations, offering a broad menu of planning options and integrated financial product solutions.

Matthew Topielski is a financial advisor with LPL Financial, holding a Series 66 designation and one year of industry experience. His prior work includes roles at Fremont Bank and First Republic Bank. Outside of advising, he is involved in music and receives royalties as an artist and musician. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory services including financial planning and model portfolio programs, supported by both proprietary and third-party investment strategies.

James Deak is a CFP®-certified financial advisor with 28 years of industry experience, currently practicing at Wells Fargo Advisors. His prior roles include positions at Wells Fargo Clearing, Merrill, Banc Of America Investment Services, and Citigroup Global Markets. Beyond his advisory work, he serves on the finance committee of Cantare, contributing to financial reporting and budgeting processes. Wells Fargo Advisors Financial Network provides investment and financial planning services to individuals, trusts, and institutions, offering a broad range of planning options tailored to clients meeting certain net-worth criteria. The firm combines research-driven recommendations with optional implementation through brokerage or advisory programs.

Mehul Khivesara is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and seven years of industry experience. His prior roles include positions at Focus Partners Wealth, Adero Partners, and Morgan Stanley. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence and a combination of quantitative and qualitative research.

Clifford Wichmann III is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and nine years of industry experience. He has been with Wells Fargo Clearing since 2017 and previously worked at Robert Half for one year. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, offering a range of investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions.

Reza Abcari is a CFP® with 22 years of industry experience, currently serving as a financial advisor at Charles Schwab in Oakland, CA. He has been with Charles Schwab and Charles Schwab Bank since 2019, following prior roles at AXA-Advisors, LLC and The Entrust Group. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of non-discretionary and discretionary investment guidance, financial planning, and custody services within an integrated, large-scale platform.

David Rodriguez is a financial advisor at Wells Fargo Clearing with nine years of industry experience. He holds Series 65 and Series 63 credentials and has worked at several firms including Wells Fargo Bank, BMO Harris Bank, LPL Financial, First Republic Bank, and JPMorgan Chase Bank. 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 a combination of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.