Jennifer Schneidermann is a financial advisor at Morgan Stanley with 23 years of industry experience. She holds the Series 63 and Series 65 credentials and has worked at Morgan Stanley Private Bank, National Association since 2015 and at Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a variety of advisory programs to individual and institutional clients, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and investment modeling.

Jennifer Buich is a financial advisor with Ameriprise in Walnut Creek, CA, holding a Series 66 designation and 20 years of industry experience. She has been with Ameriprise and its related entities since 2004. Ameriprise offers retirement-income planning services for individuals near or in retirement who meet specific asset criteria, providing detailed written recommendations on income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to deliver tailored advice, primarily for clients with assets managed within Ameriprise accounts.

Matthew Ware is a financial advisor with Morgan Stanley in Walnut Creek, CA, holding Series 63 and Series 65 designations and possessing 22 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2009. Outside of his advisory role, he manages rental property in Antioch, California. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm employs structured planning tools and broad investment capabilities, managing approximately $2.74 trillion in client assets.

Kenneth Chan is a financial advisor with Wells Fargo Clearing in Walnut Creek, CA, holding Series 63 and Series 65 registrations and 43 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and utilizes research from Wells Fargo Investment Institute and third-party sources to support its investment strategies.

Pamela Regatuso is a financial advisor at Fidelity with 10 years of industry experience. She holds Series 66 and Series 63 credentials and previously operated her own fiduciary advisory firm for 11 years before joining Fidelity. She has worked at Fidelity Investments since 2022. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios and oversees delegated management with attention to conflicts of interest.

Linh Le is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 20 years of industry experience. She has worked with Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2011 to 2016. Outside of her advisory role, Linh assists elderly individuals through her work with Santa Clara In Home Support Services. 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 based on an IPS-driven process grounded in modern portfolio theory. The firm’s services include investment policy statement preparation, performance reporting, participant education, and plan benchmarking, with a notable inclusion of insurance-related investment vehicles and bank deposit sweep options.

Mariah Lininger is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. Her previous roles include work with the County of Yolo District 4 County Supervisor's Office and various positions at the University of California, Davis, and Feather River College. 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, and institutional investors.

Nicholas Tarrab is a financial advisor with UBS Financial Services in Walnut Creek, CA, holding a Series 66 designation and 21 years of industry experience. He has been with UBS Financial since 2004. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services such as fee-based financial planning and discretionary portfolio management.

David Spencer is a ChFC® with 18 years of industry experience, currently serving as a financial advisor at LPL Financial since 2022. He previously worked at Bank of America and Merrill Lynch for over a decade. Outside of his advisory role, he is involved with Broadway Endeavor, LLC, a real estate rental business. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory services including financial planning and access to model portfolios, and operates one of the largest advisory platforms with over 22,800 advisors.

John Odea is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds Series 63 and Series 65 licenses and has 22 years of industry experience. Prior to joining Raymond James in 2023, he worked at Summit Financial and Securian Financial Services. Outside of his advisory role, he is also an insurance agent focusing on life, disability, and long-term care insurance. 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 emphasizes tailored, non-discretionary planning and supports municipal and public finance work through its unique affiliations.

Harry Bonn is a financial advisor at Cetera with over 50 years of industry experience. He holds the ChFC® designation along with Series 63 and Series 65 licenses. Bonn has held positions at several firms including Woodbury Financial Services, Minnesota Life Insurance Company, and Securian Financial Services. He is also the managing partner of Bay Area Wealth Management Group LLC. Cetera Investment Advisers LLC is an SEC-registered firm serving a diverse client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with various portfolio management programs and access to third-party money managers.

John Greiten is a financial advisor with Ameriprise in Martinez, CA, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement who meet certain asset thresholds, delivering written recommendations that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm uses a combination of research, modeling, and algorithmic tools overseen by a dedicated consulting team to support its advisory process.

Gordon Williams is a financial advisor with Morgan Stanley in Walnut Creek, CA, holding Series 63 and Series 65 credentials and bringing 22 years of industry experience. He has been with Morgan Stanley and its Private Bank since 2013. Outside of his advisory role, he is involved in real estate ownership as a sole proprietor. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and a range of advisory programs supported by structured planning tools and research from its Global Investment Committee.

Hallie Hart is a Series 66 licensed financial advisor with 27 years of industry experience. She has worked at UBS Financial Services since 2016 and previously spent 16 years at Merrill. Outside of her advisory role, she founded and operates Stick Your Wings Out, an educational blog and advocacy group focused on supporting parents of children with exceptional needs. UBS Financial Services serves individual, corporate, and institutional clients through a mix of brokerage and advisory services, offering financial planning, portfolio management, and access to mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management, supported by proprietary research and capital market resources.

Frank Lizotte is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at several firms, including LPL Financial, The Golden 1 Credit Union, and Bank of the West. Lizotte has been with J.P. Morgan Securities and JPMorgan Chase Bank since 2014, currently based in Alamo, CA. 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 delivers recommendations on a non-discretionary basis, combining large institutional advisory capabilities with brokerage and investment management services.

Patrick Cronin is a Senior Financial Advisor and Senior Vice President at Merrill Lynch Wealth Management with over 39 years of experience in the financial advisory field, including more than 30 years with Bank of America and Merrill Lynch. He specializes in developing personalized wealth management strategies designed to help clients build a strong financial foundation. His advisory services cover areas such as family wealth management, personal retirement planning, portfolio management, special needs planning, individual and corporate investment strategies, tax minimization, and retirement income planning. Patrick earned a Bachelor's Degree in Business from California State Polytechnic University, Pomona, where he was a member of the 1980 NCAA Baseball Championship Team. He holds the designation of Personal Investment Advisor (PIA). Patrick emphasizes working closely with clients to tailor financial strategies that reflect their unique objectives, maintaining a commitment to integrity and respect throughout the process. Outside of his professional work, Patrick is involved with the PGAHOPE Foundation and helps run a golf tournament supporting disabled veterans. He enjoys gardening, golfing, hiking, reading, and spending time with his family. Born and raised in Oakland, California, he currently resides in Danville, California, with his wife Erica and their three daughters.

Robert Johnson is a financial advisor at OSAIC with 34 years of industry experience. He holds Series 63 and Series 65 designations and previously worked for Securities America Advisors and Securities America Inc for a decade. He serves as Secretary on the board of the Dry Ridge Ranch Homeowners Association. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, utilizing asset-allocation tools and third-party platforms to manage portfolios across a wide range of investment types.

Courtney Fisher is a financial advisor at Merrill with a Series 66 designation and six years of industry experience. She has worked at Bank of America, N.A. and Merrill since 2019 and previously spent two years at the University of Oregon. 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 supported by internal and third-party managers for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

John Zimmermann is a financial advisor at Morgan Stanley with nine years of industry experience. He holds the Series 66 designation and has been with Morgan Stanley since 2016, including four years at Morgan Stanley Private Bank, N.A. based in Walnut Creek, CA. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs and tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and emphasizes structured planning processes supported by firm-approved tools and investment research.

Jeneen Slack is a CFP®-certified financial advisor with 18 years of industry experience, currently affiliated with LPL Financial. Her prior work includes roles at Raymond James Financial Services, Summit Financial Group, and Cetera Advisors. In addition to her advisory work, she serves as an independent contractor for Summit Financial Group. 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 institutions. The firm offers a range of investment programs and utilizes various portfolio strategies supported by research and operational tools.