Stephen Nykamp is a CFP® with 15 years of industry experience currently with Fisher Investments since 2024. He previously worked at Empower Advisory Group and Personal Capital Advisors, where he spent a decade. Fisher Investments serves a global client base including institutional and high-net-worth individuals, offering discretionary portfolio management across equities, fixed income, and blended mandates. The firm uses a centralized investment approach incorporating quantitative and qualitative analysis and employs tax-aware and risk management strategies.

Michelle Pollak is a financial advisor with Ameriprise in Orinda, CA, holding a Series 66 designation and 24 years of industry experience. She has been with Ameriprise and its affiliated entities since 2005. Pollak serves on the Boards of Directors for the Sleepy Hollow Parents Club and Friends of Ruwenzori, dedicating several hours monthly to these community organizations. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations. The firm offers a broad range of advisory, brokerage, and insurance solutions through its institutional platform.

Edward Harris is a financial advisor with LPL Financial in San Leandro, CA, holding a Series 66 designation and 14 years of industry experience. He has worked at LPL Financial since 2016 and has prior experience with Fremont Bank, J.P. Morgan Securities, and Waddell & Reed. Additionally, he serves as a private banker with Fremont Bank’s wealth management division. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning, portfolio management, and institutional platforms, supported by a large network of investment adviser representatives and research tools.

Gareth Crossley is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he has been serving clients since 1998. He holds the CERTIFIED FINANCIAL PLANNER® designation awarded by the Certified Financial Planner Board of Standards, Inc., the Chartered Retirement Planning Counselor™ designation from the College for Financial Planning Institutes Corp., and the Wealth Management Advisor (WMA) title, which demonstrates his expertise in advanced wealth management strategies. Gareth is a graduate of the United States Naval Academy and served in the Marine Corps for seven years, leaving as a Captain. His areas of expertise include college education planning, executive compensation, family wealth management strategies, investment consulting for defined contribution plans, legacy planning, managing new wealth, personal retirement planning, and portfolio management services. He lives in Danville, CA, with his wife Tiffiny and son Tristan. Gareth and his family enjoy spending time outdoors and exploring different parts of the world.

Kara Chan is a financial advisor at Fidelity with two years of industry experience. She holds a Series 66 designation and has previously worked at Slingshot Biosciences, Twist Bioscience, and Aequor Technologies. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm combines proprietary fundamental research with quantitative analysis and algorithmic portfolio construction to develop model portfolios from a universe of mutual funds, ETFs, and ETPs.

Cristania Gourdet is a financial advisor with Edward Jones in San Leandro, CA, holding a Series 66 designation and seven years of industry experience. She previously worked at US Bank from 2015 to 2019 before joining Edward Jones in 2019. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs and investment strategies through a nationwide network of over 23,700 financial advisors.

Ashveen Goundar is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and four years of industry experience. He has worked at Wells Fargo Bank, N.A. since 2016 and has held positions at Jack in the Box and Nations Hamburger. 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 provides both brokerage and advisory solutions supported by research from the Wells Fargo Investment Institute.

Diego Andres Clavijo Arnez is a financial advisor at Ameriprise in Orinda, CA, holding the Series 66 designation with one year of industry experience. Prior to joining Ameriprise, he worked at Grand Sierra Resort and Casino and Jackson's Hardware. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering a Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Charles Shreve III is a financial advisor with LPL Financial in Danville, CA, holding Series 63 and Series 66 credentials and bringing 36 years of industry experience. His career includes roles at Fremont Bank, Merrill, Bank of America, Fidelity, Ameriprise, Waddell & Reed, and U.S. Bancorp Investments. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to third-party asset management, supported by technology tools and a broad platform of non-advisory financial services.

Micah Johnson is a financial advisor with LPL Financial, holding a Series 66 designation and four years of industry experience. Prior to joining LPL Financial in 2022, he worked at Empire Pavers and Empire Medical. Outside of his advisory role, he operates a reseller business unrelated to investments. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management solutions through a large network of advisors and incorporates both proprietary and third-party strategies.

Michael Robarts is a financial advisor at Morgan Stanley with 34 years of industry experience. He holds a Series 63 designation and has worked with Morgan Stanley Private Bank, N.A. since 2015 and with Morgan Stanley Smith Barney LLC since 2009. Outside of his advisory role, he has involvement in commercial real estate. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both 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 structured financial planning tools supported by its Global Investment Committee.

Ashley Stepanek is a Series 66 licensed financial advisor at Cetera with three years of industry experience. Prior to joining Cetera, she worked at Morgan Stanley for four years and has held roles at several organizations including the United Nations Educational, Scientific and Cultural Organization (UNESCO). Cetera Investment Advisers LLC is a large SEC-registered firm serving a diverse client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of investment management and financial planning services and operates a multi-manager platform that includes both affiliated and third-party managers.

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 a Wealth Management Advisor at Merrill Lynch Wealth Management in Oakland, where he has been serving clients since 1993. Since May 2015, he has held the position of Resident Director of the Oakland office. Michael's professional focus includes working with high-net-worth individuals and families, non-profit organizations, corporate executives, and business owners to deliver customized financial advice aimed at helping clients meet their financial goals and manage their wealth efficiently. He offers expertise across various areas including asset allocation, retirement income planning, tax minimization strategies, estate planning, and socially responsible investing. Michael is a qualified Portfolio Manager, managing portfolios on a discretionary basis with access to a range of investment products such as equities, fixed income, alternative investments, ETFs, and model portfolios. Clients also benefit from access to banking, credit, and lending services through Bank of America, N.A. Michael holds several professional designations including CERTIFIED FINANCIAL PLANNER (CFP), Chartered Financial Consultant (ChFC), and Certified Plan Fiduciary Advisor (CPFA). He has Series 7, 63, and 65 FINRA registrations and holds a Bachelor of Science and an MBA from the California State University system. Outside of his professional work, Michael lives in Oakland with his wife and two sons. He is actively involved with the Boys & Girls Club of Oakland as a long-term volunteer. 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. Prior to his current role, he worked at Flow Studios for two years. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The firm's process combines quantitative and qualitative research and includes access to broader derivatives and commodities capabilities.

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.