Patrick Greening is a Wealth Management Advisor at Merrill Lynch Wealth Management. He has been with Merrill since 1990 following a career in hospitality management. Patrick specializes in providing comprehensive wealth management strategies to individuals, families, businesses, and non-profit organizations. His expertise includes divorce transition planning, personal retirement planning, portfolio management services, and working as a Retirement Benefits Consultant focusing on retirement plans such as 401(k), 403(b), Defined Benefit, and Non-Qualified Retirement Plans. Patrick holds an Associate's Degree from Macomb Community College and a Bachelor's Degree in Business Administration from Michigan State University. He is a Certified Financial Planner (CFP) certificant, a Chartered Financial Consultant (ChFC), and a Certified Plan Fiduciary Advisor (CPFA). His approach emphasizes aligning financial strategies with clients' short and long-term goals, encompassing areas such as debt and home financing, estate planning, and wealth transfer. Outside of his professional work, Patrick has been involved in coaching youth rugby and soccer, served on the board of the East Bay United Soccer Club, and is a member of the American Cancer Society Relay for Life Team in South San Francisco. He enjoys cooking, fishing, gardening, hiking, hunting, skiing, spending time with his family, and traveling.

Shawn Sladek is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he leads a team of eight professionals. He has been active in the investment management industry since 1997, focusing on personalized wealth management strategies for corporate executives and business owners. His work involves helping clients manage their assets and liabilities efficiently while minimizing taxes and providing financial confidence. Shawn holds a Bachelor of Science degree in Economics from the University of Arizona and has earned the Certified Investment Management Analyst (CIMA) designation administered by the Investments & Wealth Institute in conjunction with The Wharton School of Business at the University of Pennsylvania. He has been recognized on Forbes' "America's Top Wealth Advisors State by State" list for five consecutive years from 2018 to 2022. Outside of his professional pursuits, Shawn is involved in community activities including supporting The Food Bank of Contra Costa County and The White Pony. He also participates in organizations such as the San Ramon Valley Little League and the University of Arizona Rugby Club. His personal interests include basketball, cooking, fishing, football, golfing, music, skiing, spending time with his family, traveling, and yoga.

Howard Hertz is a CFP® with 27 years of industry experience, currently affiliated with Cetera since 2021. He has held roles with Avantax Insurance Agency, Tri-Valley Tax & Financial Services, and other related businesses. In addition to his advisory work, he is president and owner of Tri-Valley Tax & Financial Services and is an enrolled agent. Cetera Investment Advisers LLC operates a multi-manager platform serving individuals, retirement plans, corporate and charitable clients, and institutional accounts, offering a range of portfolio management and financial planning services through a nationwide network of over 10,000 advisors.

Steven Gee is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and 25 years of industry experience. His prior firms include Voya Financial Advisors and Wiline Network. In addition to his advisory work, he operates as an independent insurance agent specializing in fixed insurance products. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, corporate, charitable, and institutional clients through a large nationwide network of over 10,000 independent advisors. The firm offers portfolio management, financial planning, and retirement services via a multi-manager platform that includes affiliated and third-party managers and a range of program options.

Katelyn Kennedy is a financial advisor at UBS Financial Services with seven years of industry experience. She holds a Series 66 designation and previously worked at O'Melveny & Myers LLP for three years. Kennedy has an investment interest in a real estate partnership but does not have a direct role in its management. UBS Financial Services serves individual, corporate, and institutional clients by offering brokerage and investment advisory services, combining institutional trading capabilities with wealth management and proprietary research to tailor client strategies.

Devyn Fitchhorn is a Wealth Management Advisor with Merrill Lynch Wealth Management, where he focuses on developing long-term financial advisory relationships tailored to each client's unique needs. He promotes a systematic and disciplined approach to wealth management and investing aligned with clients' investment goals, risk tolerance, and time horizon. Devyn provides a broad range of financial services including wealth management, retirement planning, education planning, portfolio management, and socially responsible investing. He is supported by a team of specialists and in-depth research to assist clients effectively. Prior to joining Merrill Lynch Wealth Management in 2004, Devyn spent eight years as a critical care and trauma nurse. He holds Bachelor of Science degrees in Exercise Physiology from the University of California at Davis and Nursing from St. Mary's/Samuel Merritt College. Devyn maintains Series 7 and Series 66 FINRA registrations, life and health insurance licenses, and holds professional designations including Chartered Retirement Planning Counselor™ (CRPC™), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Devyn and his wife Leanne have been residents of the Newcastle area since 2018 after moving from Granite Bay, where they were active members of Bayside Church and involved with its special needs community group. Together they have twin daughters. Outside of his professional work, Devyn enjoys billiards, football, golfing, music, table tennis, tennis, volleyball, woodworking, and spending time with his family.

Carson Curtis is a financial advisor with Ameriprise Financial Services, holding Series 63 and Series 66 designations and 10 years of industry experience. He has been with Ameriprise since 2017, including six years at Ameriprise Financial Service, LLC, and one year at Foresters Financial Services prior to that. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. It offers a specialized Premier Retirement Income service focused on retirement-income planning using a structured report and ongoing advice, with an investment approach influenced by its affiliated product ecosystem.

Ricardo Martell Jr. is a financial advisor at Morgan Stanley with 14 years of industry experience. He holds the Series 66 designation and has worked at Morgan Stanley since 2019, following three years at Wells Fargo Clearing. Based in Oakland, CA, he is part of a large team serving a diverse client base. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers tailored financial planning and a variety of advisory programs, managing approximately $2.74 trillion in client assets.

Allen Lipscomb is a financial advisor with Ameriprise, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. His prior work includes positions at Wells Fargo Clearing, Merrill, and UBS Financial Services. Lipscomb is also an advisor with Blue Oaks Management, LLC, an Ameriprise Financial Franchise. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement-income planning and tax-aware withdrawal strategies. The firm’s approach integrates proprietary investment research, third-party data, and algorithmic tools within a product ecosystem that includes affiliated sub-advised options.

Taylor Wagner is a financial advisor at Morgan Stanley with 15 years of industry experience. He holds the Series 66 designation and has worked with Morgan Stanley Smith Barney LLC since 2014, currently serving at Morgan Stanley Private Bank, N.A. in Walnut Creek, CA. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individuals and institutions. The firm delivers tailored financial planning through its Financial Advisors and Estate Planning Strategies Group, managing approximately $2.74 trillion in client assets.

Christina Dwyer is a Series 66 licensed financial advisor with 13 years of industry experience. She has worked at First Republic Investment Management since 2013 and joined J.P. Morgan Securities in 2023. 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 and fund searches, and customized performance reporting. Their advisory process integrates quantitative and qualitative research and incorporates an ESG eligibility framework.

Carolyn Sellick is a financial advisor with Wells Fargo Clearing in Walnut Creek, CA, holding a Series 63 designation and 25 years of industry experience. She has been with Wells Fargo Clearing since 2016. 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 range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Meghan Miller is a financial advisor with Morgan Stanley in Oakland, CA, holding a Series 66 designation and 20 years of industry experience. She has worked at Morgan Stanley since 2016 and at Morgan Stanley Private Bank, National Association since 2017. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individuals and institutional clients. The firm offers tailored financial planning through its Financial Advisors and Estate Planning Strategies Group and manages approximately $2.74 trillion in client assets.

Luke Harris is a Series 66-licensed financial advisor at J.P. Morgan Securities with one year of industry experience. He has worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2025 and previously attended Carleton College. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a program focused on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm combines quantitative and qualitative research to develop model asset allocations and offers broad derivatives and commodities capabilities.

Sean Armstrong is a Financial Consultant at Fidelity Investments, a position he has held since 2013. He brings over 30 years of experience in the financial services industry, with a background that includes roles such as Branch Manager at TD Ameritrade and Charles Schwab, Registered Representative at Wellington Securities, and Account Executive at Dean Witter Reynolds. Sean specializes in financial planning and investment management, emphasizing personalized, one-on-one relationships. He works closely with clients to understand their comprehensive financial situations, enabling interactive planning and scenario analysis to develop adaptable financial plans that evolve with clients' goals. He holds a California Insurance License. Outside of his professional work, Sean enjoys biking, cooking and baking, participating in family activities, playing golf, hiking, and scuba diving.

James Schmidt is a Wealth Management Advisor and Senior Vice President at Merrill Lynch Wealth Management. He focuses on developing financial strategies tailored to wealthy individuals and business owners, providing comprehensive advice to help clients pursue their long-term goals through personalized or defined strategies. His areas of expertise include college education planning, executive compensation, services for defined benefit plans, investment consulting for defined contribution plans, legacy and liquidity management, personal retirement planning, portfolio management, individual and corporate investment strategy, and tax minimization. James holds several professional designations including Certified Financial Planner (CFP®), Certified Investment Management Analyst (CIMA®), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He earned a bachelor's degree from Michigan State University. Outside of his professional role, James is the founder of the "Fore Our Schools" foundation, which raises funds for local schools. His personal interests include boating, fishing, golfing, hunting, and traveling.

Shelley Hancock is a financial advisor with Wells Fargo Clearing in Danville, CA, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. She previously worked for Wells Fargo Investments, LLC, from 2001 to 2011 and has been with Wells Fargo Clearing since 2016. 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 combines brokerage and advisory solutions with research-driven investment approaches.

Martha Madrid is a Senior Financial Advisor at Merrill Lynch Wealth Management, where she has been serving clients since 1979. With over 40 years in the financial industry, she focuses on providing a comprehensive approach to wealth management that begins with understanding each client's unique financial situation and personal priorities. Martha helps clients develop customized and flexible strategies that can adapt to changing market conditions, leveraging the investment insights of Merrill and the banking services of Bank of America. Her areas of expertise include college education planning, personal retirement planning, and addressing the financial needs of women and wealth. Martha holds the Personal Investment Advisor (PIA) designation and completed her high school education through the State of New Jersey Department of Education. She lives in the Bay Area and balances her professional responsibilities with personal interests such as traveling, cooking, tennis, dancing, sewing, and watching movies. Martha is also committed to community involvement, volunteering with local organizations in line with Merrill's tradition of service.

Brian Stanley is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. He holds Series 63 and Series 66 credentials and has been with JP Morgan Chase Bank and J.P. Morgan Securities LLC since 2016. Based in Dublin, California, his work focuses on institutional consulting. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. Their advisory program emphasizes written asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence and a range of investment strategies including those with ESG frameworks.

Magnus Du Borg is a CFP® professional with 17 years of experience in financial advisory roles. He is currently affiliated with RBC Capital Markets and City National Bank, having previously worked at Morgan Stanley and its private banking divisions for over a decade. Outside of his advisory work, he is involved in real estate investment as a passive capital partner in several entities. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers tailored investment strategies through multiple advisory programs, utilizing both in-house and third-party managers and providing a range of portfolio management and financial planning services.