Thomas Kelly is a CFP® and ChFC® credentialed financial advisor with 34 years of industry experience. He is currently with Raymond James Financial Services Advisors, Inc. and previously worked at Edward Jones and Pacific Life. Outside of his advisory role, he is also involved as a musician in a band. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm employs analytical tools such as risk profiling and probability modeling to tailor non-discretionary planning and consulting to client goals.

Ryan De La Torre is a CFP® with 20 years of industry experience, currently affiliated with Cetera since 2025. He previously worked for Allstate Financial Advisors, LLC and Allstate Insurance Co for 15 years and has operated De La Torre Financial Group since 2016. He serves as a board member and participates in the finance committee for Friends of CASE – Alameda County. Cetera Investment Advisers LLC is an SEC-registered adviser that serves individual, retirement plan, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform that includes affiliated and third-party managers, with over $256 billion in assets under management.

Michael Oster is the Senior Resident Director and Wealth Management Advisor at Merrill Lynch in Oakland, where he has worked since 1993. He serves as the Resident Director of the Oakland office since May 2015. Michael focuses on serving high-net-worth individuals and families, as well as non-profit organizations, by providing personalized financial strategies tailored to their goals. He offers clients access to investment insights from Merrill Lynch and banking services from Bank of America, addressing areas such as asset allocation, education funding, retirement income planning, tax strategies, and estate planning. Michael is a qualified Portfolio Manager who manages personalized and defined investment strategies, which may include stocks, bonds, model portfolios, and third-party strategies incorporating equities, fixed income, alternative investments, and ETFs. He holds certifications including CERTIFIED FINANCIAL PLANNER (CFP®), Chartered Financial Consultant (ChFC®), and registrations such as Series 7, 63, and 65. He earned both a Bachelor's Degree and a Master's Degree in Finance from the California State University system. Living in Oakland with his family, Michael volunteers with the Boys & Girls Clubs of Oakland. His personal interests include golfing, reading, running, swimming, and traveling.

Leila Esmaili Zamora is a financial advisor at Morgan Stanley with one year of industry experience. She holds a Series 66 designation and has worked in various roles including positions at Morgan Stanley Private Bank, LinkedIn, and several consulting and community organizations. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutions, combining tailored financial planning with access to extensive investment resources and research.

Steven Moone is a financial advisor at J.P. Morgan Securities with six years of industry experience. He holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2018. Prior to his finance career, he was involved with Flow Studios from 2016 to 2018. J.P. Morgan Securities 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 delivers these services on a non-discretionary basis, combining large institutional advisory operations with broker-dealer and investment adviser registrations.

Linda Kime is a financial advisor with Edward Jones in Livermore, CA, holding a Series 66 designation and 17 years of industry experience. She has been with Edward Jones since 2009. Outside of her advisory role, she has interests in oil well royalties through HG Energy II Appalachia LLC. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including both non-high-net-worth and high-net-worth households. The firm offers a range of investment strategies and advisory services, supported by a large network of financial advisors and branch offices nationwide.

Timothy Score is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he has worked since 1994. In his role, he focuses on assisting clients with a broad range of financial planning needs, including college education planning, family wealth management strategies, legacy planning, retirement income, and portfolio management services. He also serves as the Syndicate Coordinator in the office, a position he has held since 2009. Tim earned both his Bachelor of Science degree in Accounting and his Master of Business Administration from Southern Oregon University. He obtained the CERTIFIED FINANCIAL PLANNER® (CFP) certification in 2004 and completed the Merrill Lynch Wealth Management Longevity Training Program at the University of Southern California Davis School of Gerontology in 2015. Timothy has contributed to the development of new advisors through his mentorship in the Professional Development Program. His professional designations include CFP and Personal Investment Advisor (PIA). Outside of his professional duties, Timothy is actively involved in his community and enjoys spending time with his family. He has coached youth sports and volunteered extensively at swim meets. His personal interests include baseball, genealogy, golfing, music, reading, table tennis, traveling, and attending events involving his grandchildren.

Josh Grassel is a Vice President, Financial Consultant at Fidelity Investments. In this role, he partners with high net worth clients and their families to work towards achieving their financial goals. He helps clients develop, maintain, and update their financial plans as their needs and objectives change over time. Josh has been with Fidelity Investments since 2015, progressing from Investment Consultant to Financial Consultant, and currently serving as Vice President, Financial Consultant since 2023. Prior to Fidelity, he worked as a Financial Advisor at Ameriprise from 2013 to 2014, and held positions at Citibank as a Personal Banker and Financial Associate between 2011 and 2013. He holds a California Insurance License.

Naushaba Rashid is a CFP® professional with 34 years of industry experience, currently serving at Wells Fargo Clearing since 2016. She previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and rooted in modern portfolio theory, with an emphasis on fiduciary responsibility and a broader range of financial product offerings including insurance-related vehicles and bank deposit sweep options.

Shane Westhoelter is a financial advisor with Cambridge Investment Research Advisors based in San Ramon, CA. He holds Series 63 and Series 65 licenses and has 33 years of industry experience. His career includes roles at Continuity Partners Group and Gateway Financial Advisors, where he also serves as an independent insurance agent. Outside of his advisory work, he is involved in various business ventures, including authorship, non-profit board membership, retail operations, and music promotion. Cambridge Investment Research Advisors is a large SEC-registered firm serving individual and institutional clients through a network of independent financial professionals. The firm offers comprehensive financial planning, investment management, and retirement services with a range of portfolio management options and affiliated proprietary strategies.

John Pulley is a financial advisor with Morgan Stanley in Oakland, CA, holding Series 63 and Series 65 designations and bringing 43 years of industry experience. His career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs that include tailored financial planning supported by firm-approved tools and analysis.

Xiao Feng Wu is a financial advisor with Charles Schwab in Oakland, CA, holding Series 63 and Series 66 licenses and six years of industry experience. Prior to joining Charles Schwab, Wu worked at several major financial institutions including JPMorgan Chase, Bank of America, Merrill, Citibank, and LPL Financial. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of non-discretionary and discretionary investment management alongside brokerage, custody, and cash-sweep services.

Gregory Anderson is a financial advisor with Merrill in Oakland, CA, holding Series 63 and Series 65 licenses and possessing 33 years of industry experience. He has been with Merrill and Bank of America, N.A. since 2015. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Ivana Block is a financial advisor with Merrill, holding a Series 66 designation and 11 years of industry experience. She has been with Merrill and its parent company, Bank of America N.A., since 2014. Outside of her advisory role, Ivana is a co-owner of a family rental property business. 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. The firm offers a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Diana Chan is a CFP® professional with 34 years of industry experience, currently affiliated with Osaic. She spent 32 years with Woodbury Financial Services before joining Osaic in 2024. In addition to her advisory role, she holds licenses to sell fixed insurance products and fixed indexed annuities. Osaic serves a broad mix of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and advisory services, financial planning, and access to third-party money managers and managed-account solutions.

Adam Sadowy is a financial advisor at Wells Fargo Clearing with three years of industry experience. He holds the Series 63 designation and has worked at Wells Fargo Bank and Wells Fargo Clearing since 2019. Prior to his financial career, he was employed at Starbucks for four years. Outside of his advisory role, he owns and operates SUDS Laboratory LLC, a biotech-related business. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven process is grounded in modern portfolio theory and includes a broad investment menu with insurance-related vehicles and bank deposit sweep options.

Vincent Sommese is a Series 66-licensed financial advisor at Morgan Stanley with four years of industry experience. Before joining Morgan Stanley Smith Barney LLC in 2021, he worked in education for 14 years and held various roles including a position with the Oakland Athletics in 2021. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s financial planning process incorporates firm-approved tools and modeling techniques without providing individual security recommendations in standalone plans.

Michael Benjaminson is a financial advisor with LPL Financial in San Ramon, CA, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has been with LPL Financial, formerly LINSCO/PRIVATE LEDGER CORP., since 2005. Outside of his advisory role, he operates an insurance business under the DBA MDB Wealth Group, Inc. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Alice Wilms is a financial advisor at Edward Jones with six years of industry experience. She holds a Series 66 designation and previously worked at New York Life and Thrivent Financial, in addition to consulting and self-employed roles. Wilms serves on the board of Save World Children, a nonprofit where she focuses on building partnerships and raising awareness. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs, managed solutions, and affiliated investment products, operating under a fiduciary standard with approximately $1.01 trillion in assets under management.

Deepa Venkatachalam is a financial advisor at J.P. Morgan Securities with seven years of industry experience. She holds the Series 66 designation and has worked previously at Wells Fargo Clearing and Morgan Stanley. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, delivering asset allocation advice, investment manager searches, and customized performance reporting through a network of Wealth Advisors. The firm combines large institutional advisory operations with brokerage and investment management capabilities, offering recommendations on a non-discretionary basis while clients retain final decision authority.