Haocheng Cai is a financial advisor with Wells Fargo Clearing in Walnut Creek, CA, holding Series 63 and Series 66 credentials and nine years of industry experience. He has worked at Wells Fargo Clearing and Wells Fargo Bank NA as well as at Citigroup and Morgan Stanley prior to his current role. 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 uses research and analytics to evaluate managers and options, offering both brokerage and advisory solutions across a broad platform.

David Gilchrist is a Wealth Management Advisor at Merrill Lynch Wealth Management. He works with a select group of high-net-worth families, executives, entrepreneurs, and professionals, providing comprehensive wealth-planning strategies that address complexity, preserve capital, and support long-term financial objectives. His approach is client-centric and emphasizes understanding clients' financial situations alongside their professional and personal lives to inform sound financial decisions. David specializes in areas including divorce transition planning, executive compensation, family wealth management strategies, legacy planning, personal retirement planning, portfolio management, small business strategies, individual and corporate investment strategy, tax minimization, and retirement income. Prior to joining Merrill, he gained experience in accounting at an estate-planning law firm and as a tax auditor for the City of Los Angeles Office of Finance, applying this background to help clients with tax-aware strategies within their wealth plans. He holds a Bachelor's degree in Economics from Loyola Marymount University and a certificate in Accounting from UCLA. Additionally, he has earned the Certified Investment Management Analyst (CIMA) designation awarded by the Investments & Wealth Institute in conjunction with Yale University. Outside of his professional role, David enjoys golfing, hiking, pickleball, reading, running, soccer, spending time with family, tennis, traveling, and yoga.

Ryan Winters is a financial advisor at Morgan Stanley with 14 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Morgan Stanley and its affiliated entities since 2015. Outside of his advisory role, he is a member and manager of Sakura Holdings LLC, a real estate investment entity. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and analysis models.

Brian Morgan is a financial advisor with Morgan Stanley in Burlingame, CA. He holds a Series 66 designation and has 12 years of industry experience, including roles at Morgan Stanley Private Bank, N.A. since 2020 and Morgan Stanley Smith Barney LLC since 2015. Outside of his advisory work, he co-founded and serves as CFO of A.P.E.X. LLC, a company that designs strength and conditioning programs for high school and collegiate athletes. 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. The firm offers tailored financial planning and manages approximately $2.74 trillion in client assets.

Gregory Wiggins is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and with 25 years of industry experience. His career includes roles at Wells Fargo Investments and A. G. Edwards & Sons, Inc. He is based in Walnut Creek, California. 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 brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Keli Reindahl is a financial advisor at Merrill with Series 63 and Series 66 credentials and 25 years of industry experience. She has worked at Merrill since 2009 and previously spent six years with Banc of America Investment Services, Inc. Reindahl serves as a co-trustee for a family trust in Santa Rosa, California. 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 individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Elisabeth Andreason is a financial advisor at Morgan Stanley with 23 years of industry experience. She holds the CFP®, ChFC®, and Series 66 designations. Her career at Morgan Stanley includes roles with Morgan Stanley & Co., Incorporated, Morgan Stanley Smith Barney, and Morgan Stanley Private Bank, National Association. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs that include tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by proprietary tools and modeling techniques.

Christopher De Meyer is a financial advisor at Charles Schwab with six years of industry experience. He holds Series 63 and Series 66 credentials and has worked at firms including JP Morgan Chase Bank, Frost Bank, and Charles Schwab. Outside of his advisory work, he is involved in managing a personal rental property with his spouse. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a client relationship model that combines non-discretionary advisory recommendations with access to discretionary separately managed accounts, supported by multi-asset model portfolios and due diligence from Schwab’s Center for Financial Research.

Gail Isaacson is a financial advisor with Cetera in Danville, CA, holding a Series 66 designation and 24 years of industry experience. She has been with Cetera and its affiliate Cetera Financial Specialists LLC since 2004 and has owned and operated Isaacson and Company, a tax, accounting, and bookkeeping practice, since 1977. Outside of her advisory and accounting work, she is involved in sales of Medicare supplement and Part D policies and operates a machine quilting and embroidery business. Cetera Investment Advisers LLC is a large SEC-registered firm serving individual investors, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and consulting services through a multi-manager platform that includes affiliated and third-party managers, providing investment solutions across various program structures and custodial relationships.

Luis Sovero is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 24 years of industry experience. He has worked at Wells Fargo Bank since 2004 and spent one year at Morgan Stanley Dw Inc. prior to that. 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.

Shawn Henley is a financial advisor with Morgan Stanley in Pleasanton, CA, holding a Series 63 designation and over 39 years of industry experience. He has been with Morgan Stanley and its affiliates since 2007, including roles at Morgan Stanley & Co., Morgan Stanley Smith Barney, and Morgan Stanley Private Bank, National Association. Outside of his advisory work, he is a sole proprietor of a rental home business. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a broad range of advisory programs and tailored financial planning. The firm employs a structured planning process using proprietary tools and models while providing both direct and employer-based financial planning services.

David Shackelford is a financial advisor with Ameriprise in Pleasanton, CA, holding a Series 66 designation and 27 years of industry experience. He has been with Ameriprise and its affiliated entities since 2009. Ameriprise offers a retirement-income planning service focused on clients nearing or in retirement with significant investable assets, providing written Recommendation Reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to deliver tailored advice through a centralized consulting team, emphasizing the use of Ameriprise-managed accounts and algorithmic support in its recommendations.

Lili Huang is a financial advisor at J.P. Morgan Securities with 7 years of industry experience. She holds the Series 63 and Series 66 designations and has been with J.P. Morgan Securities and JPMorgan Chase Bank since 2019. Her prior work experience includes roles at Enterprise Rent A Car, New York Life Insurance Company, and Macy’s. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process incorporates quantitative and qualitative due diligence and includes a range of strategies with ESG considerations.

Walton Edward "Buzz" Brown, Jr. is a Senior Financial Advisor at Merrill Lynch Wealth Management in Oakland, California. He has been managing investments and providing financial guidance to both individual and institutional clients since 1998. In his role, Buzz focuses on creating personalized wealth management strategies tailored to clients’ unique financial situations and goals. He works closely with clients navigating significant life changes such as sudden wealth, approaching retirement, and those in need of stock option, tax minimization, and estate planning strategies. Additionally, he has particular expertise supporting women who are newly divorced or widowed. Buzz holds a Bachelor of Science degree in Business Management from Pepperdine University and carries the Personal Investment Advisor (PIA) designation. A third-generation Californian, he has deep roots in both Northern and Southern California and resides in the Lincoln Highlands District of Oakland. Beyond his professional commitments, Buzz participates actively in community service through volunteering, reflecting the Merrill tradition of community involvement. His personal interests include adventure sports such as rock climbing, skydiving, and bungee jumping, as well as biking, cooking, gardening, hiking, traveling, and spending time with his family.

Andrew Parrott is a financial advisor with Cetera who holds a Series 66 designation and has 10 years of industry experience. His prior roles include positions at Edward Jones and Clifford Square Wealth Advisors. Outside of his advisory duties, he serves as president of the Lamorinda Rugby Football Club and as secretary of the Lafayette Water Polo Foundation board. Cetera Investment Advisers LLC operates as a multi-manager platform serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services, utilizing affiliated and third-party managers across various program structures and custodial relationships.

Jared Beckner is a financial advisor at LPL Financial in Dublin, CA, holding Series 65 and Series 63 licenses. He has been with LPL Financial and Patelco Credit Union since 2026 and has prior work experience in education and retail, including roles at New Jerusalem Elementary School District and The Home Depot. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions through a large network of investment adviser representatives. The firm offers a range of financial planning and investment programs, employing various portfolio strategies and technology tools while maintaining significant scale across advisory and non-advisory financial activities.

Jamie Lunge is a financial advisor at Wells Fargo Clearing with 24 years of industry experience. He holds the Series 66 designation and has been with Wells Fargo Clearing since 2016. Prior to that, he worked at PCBB Capital Markets, LLC for one year. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, retirement plan consulting, and brokerage solutions to individual, corporate, and institutional clients. The firm manages roughly $671 billion in assets across more than 14,000 advisors and utilizes research and analytics to support its investment approach.

Nathaniel Hintz is a financial advisor with LPL Financial in Alamo, CA, holding Series 63 and Series 66 credentials and bringing 20 years of industry experience. His prior roles include positions at Insight Wealth Strategies, Mutual Securities, Lincoln Financial Advisors, and Merrill. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting a network of over 22,800 advisors with a broad range of advisory and brokerage services.

Michael Isola is a CFP® professional with 27 years of experience in the financial industry. He is affiliated with RBC Capital Markets and has worked at both RBC Capital Markets since 2012 and City National Bank since 2018. Outside of his advisory role, he serves as secretary treasurer of Oakland Land & Cattle Company, a nonprofit private hunting club in California. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations, offering a range of advisory programs and portfolio management services tailored to clients’ risk profiles.

Hok In Un is a financial advisor with J.P. Morgan Securities in San Leandro, CA, holding a Series 66 designation and six years of industry experience. Their prior work includes four years at Tumi Inc before joining JPMorgan Chase Bank, N.A. and J.P. Morgan Securities LLC, where they have been employed since 2020. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting within a non-discretionary program. The firm’s advisory process combines quantitative and qualitative research and includes capabilities in derivatives and commodities through affiliated entities.