Nikolai Papa is a financial advisor at Cetera with 15 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Woodbury Financial Services, OSAIC, Minnesota Life, and Sgc Financial. In addition to his advisory work, he teaches a retirement planning class part-time at the City College of San Francisco Extension. Cetera Investment Advisers LLC is an SEC-registered firm serving a diverse client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to various program structures and third-party money managers.

Jack Mc Cormick is a Financial Advisor at Merrill Lynch Wealth Management and a CERTIFIED FINANCIAL PLANNER® professional. He specializes in retirement planning and client strategy, providing personalized approaches to help clients define and pursue their financial goals. Jack focuses on delivering detailed analyses and market research to ensure clients understand their financial situations fully. With over five years of experience at Merrill, Jack has developed a comprehensive understanding of building financial plans from the ground up, having also worked on the operational side of the firm. He holds an Associate's Degree from Santa Rosa Junior College and a Bachelor of Science in Economics from the University of Redlands. Additionally, Jack has earned professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). He is fluent in English and Spanish. A fifth-generation Sonoma County resident, Jack is active in his community through volunteer work with the Made In Santa Rosa Education Foundation and the Santa Rosa Junior College Water Polo program. Outside of work, he enjoys coaching water polo, tinkering on cars, cycling, and participating in triathlons.

Charlie Park is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and three years of industry experience. He has worked at Wells Fargo Bank, N.A. since 2019 and was previously involved with C.H. Trading Co. DBA OK Beauty Supply for thirteen 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 advisory approach is IPS-driven and based on modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Daniel Sanom is a financial advisor at Ameriprise with 24 years of industry experience and holds a Series 66 designation. He has been with Ameriprise and its affiliate since 2005. Outside of his advisory role, he serves on the Board of Directors for the Rudgear Estates Swim Team and acts as Treasurer for a local soccer club's daughters’ team in Walnut Creek, CA. Ameriprise offers retirement-income planning services primarily for individuals nearing or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Raymond Adair Jr. is a financial advisor with Mass Mutual Investors Services in Pleasant Hill, CA. He holds Series 63 and Series 65 licenses and has 20 years of industry experience. Since 2012, he has been associated with both MML Investors Services and Mass Mutual Life Insurance Company. Outside of his advisory role, he is also a magic and stage hypnosis performer. 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 provides financial planning, asset management, and educational seminars, using firm-approved tools and collaborative annual planning relationships.

Stephanie Hepp is a Series 66 licensed financial advisor with 18 years of industry experience. She has worked at Merrill since 2016 and previously held positions at Wells Fargo Clearing, Stifel, and Morgan Stanley. 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, offering model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, and charitable organizations.

James Ingenluyff is a financial advisor at Ameriprise with six years of industry experience. He has worked at Ameriprise and its affiliated entities since 2017 and previously spent six years with Paradigm Management Services. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service providing written recommendation reports and ongoing tax-aware retirement income planning advice, supported by investment research and algorithmic tools.

Aryika Singh is a Planning Consultant at Fidelity Investments. She focuses on creating tailored engagement strategies through active listening to align with her clients' unique goals and values. Aryika adapts her communication styles and meeting frequency to help clients translate complex financial choices into clear, actionable steps, fostering structured roadmaps and building high-trust partnerships. Aryika has been with Fidelity Investments since 2023, progressing through roles including Financial Services Representative, Financial Representative, Relationship Manager, and currently Planning Consultant. She holds a California Insurance License. Outside of her professional work, Aryika enjoys family activities, fitness, outdoor adventures, spending time with pets, reading, and running.

Techen Hwang is a financial advisor with J.P. Morgan Securities based in Walnut Creek, CA. He holds the Series 63 and Series 66 designations and has 13 years of industry experience. Prior to his current role, he has been with JPMorgan Chase Bank, N.A. since 2011. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm combines quantitative and qualitative research through a centralized manager solutions team and offers broader derivatives and commodities capabilities.

Derek Cushman is a financial advisor at Morgan Stanley with a Series 66 credential and three years of industry experience. His prior roles include positions at Oppenheimer and Archer Huntley Financial Services Inc. He has also worked in financial aid and various other industries, including a five-year tenure at DoorDash. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, with a financial planning process that employs structured discovery and advanced modeling tools. The firm manages approximately $2.74 trillion in client assets and provides both direct and corporate financial planning services.

Taryn Horne is a Series 66-licensed financial advisor with Morgan Stanley in Walnut Creek, CA, bringing 20 years of industry experience. She has been with Morgan Stanley since 2014. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individuals and institutions, including tailored financial planning supported by structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through corporate financial planning agreements.

Pouneh Lomboy is a Series 66-licensed financial advisor with Merrill, based in Concord, CA, with 14 years of industry experience. She has been with Merrill since 2013. Lomboy has indirect involvement in two privately owned businesses related to real estate and fitness, both operated by her husband. 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, offering model-based and discretionary investment strategies for a range of client types including individuals, high-net-worth clients, and charitable organizations.

Jimin Chen is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and eight years of industry experience. Prior to rejoining J.P. Morgan in 2022, Chen worked at Wells Fargo and HSBC in various capacities. Outside of finance, Chen is a silent partner in the Vinum Bar, a business in San Leandro, California. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, offering written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research supported by a dedicated manager solutions team and incorporates ESG considerations within its model asset allocations.

John Banker is a financial advisor at Morgan Stanley based in Dublin, CA, holding a Series 66 designation with 10 years of industry experience. He has been with Morgan Stanley since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a range of advisory programs to individual and institutional clients, including tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques to support its financial planning process.

Wenxin Yu is a financial advisor at Morgan Stanley with 16 years of industry experience and holds a Series 66 designation. Yu has worked with Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm employs a structured financial planning process and offers a range of retail and institutional investment solutions.

Connor Merrigan is a CFP® professional with seven years of industry experience. He is currently affiliated with Raymond James Financial Services Advisors, Inc. and has prior experience at Summit Financial Group and Securian Financial Services Inc. Merrigan also worked at San Jose State University and Recreational Equipment Inc. early in his career. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using various analytical tools and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

Clement Wong is a financial advisor with Morgan Stanley in Pleasanton, CA, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. He has worked with Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2010. Outside of his advisory role, he serves as treasurer and board member for a charity/private foundation based in Brooklyn, NY. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process involves structured discovery and firm‑approved tools, offering a broad range of investment and planning solutions.

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.