Tommie Murphy Jr. is a financial advisor with Wells Fargo Clearing in Danville, CA, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. His prior roles include positions at Bank of America, N.A., and Merrill, where he worked for nine years each before joining Wells Fargo Clearing in 2020. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary solutions. The firm’s advisory process is driven by investment policy statements and modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

Daniel Albert is a financial advisor at Morgan Stanley with 37 years of industry experience. He has worked with Morgan Stanley Private Bank, National Association since 2015 and with Morgan Stanley Smith Barney since 2011. He holds Series 63 and Series 65 licenses. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools such as Secular Return Estimates and Monte Carlo simulations in its financial planning process.

Jesus Jerez Pedroza is a financial advisor at Fidelity with seven years of industry experience. He holds the Series 63 and Series 65 designations. His prior experience includes roles at Northwestern Mutual Investment Services LLC and Michael Byrne. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors, employing a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its advisory role to multiple registered investment companies and its use of systematic methodologies and AI-driven research.

Adam Koplan is a financial advisor at Morgan Stanley with 26 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Outside of his advisory role, he is involved in managing rental property in Moraga, California. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and research. The firm manages approximately $2.74 trillion in client assets and provides planning services through financial advisors and its Estate Planning Strategies Group.

Steven Serotte is a financial advisor with Mass Mutual Investors Services, holding a ChFC® designation and Series 63, 65, and 66 licenses, with 25 years of industry experience. He previously worked at Lenox Advisors, Inc. for 17 years and has been affiliated with MassMutual and its subsidiaries since 1996. Outside of his advisory role, he serves as an insurance agent for individual and group life and health policies. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars, focusing on collaborative, annual planning engagements with a range of investment strategy tools.

Bobby Klarman is a Vice President and Financial Consultant at Fidelity Investments. In this role, he partners with families to help them transform complex financial goals into clear, actionable plans. He focuses on strategic retirement planning, investment strategies, and comprehensive income plans to support clients in making informed decisions for their financial future. Bobby began his career at Fidelity Investments as a Financial Representative in 2021 and has held several positions within the company, including Investment Consultant and Financial Consultant, before his current role starting in 2025. He holds a California Insurance License. Outside of his professional work, Bobby enjoys bowling, gardening, golf, parenthood, and traveling.

Megan McNealy is a Senior Vice President and Wealth Management Advisor at Merrill Lynch Wealth Management with over 28 years of experience. She is a CERTIFIED FINANCIAL PLANNER® professional and an Investment Professional. Megan leads the McNealy & Associates team, specializing in working with Senior Corporate Executives who have complex financial circumstances and limited time. Her services include wealth preservation strategies, concentrated position management, 10b5-1 trading plans, and comprehensive financial planning aimed at achieving lasting financial freedom. Megan graduated cum laude from Cornell University and earned her Master's degree from Northwestern University. Prior to joining Merrill Lynch, she was a third-generation member of the Chicago Board of Trade. Her work highlighting leadership and well-being has been featured in various business publications, and she has been recognized on Forbes' Top Women Wealth Advisors Best in State list for multiple years. In addition to her professional work, Megan is involved in community activities such as being a certified handler/dog team member with the Alliance of Therapy Dogs and volunteering with Virgin Unite's 100% Human at Work initiative. She resides in Northern California with her family and pets.

Rodney Haug is a financial advisor with UBS Financial Services in Walnut Creek, CA, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. He has been with UBS Financial Services since 2016. UBS Financial Services serves individual, corporate, and institutional clients by offering brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor advice to clients.

Luis Almendarez Jr. is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. His prior roles include positions at Merrill, Bank of America, and UnionBanc Investment Services. He serves as a board member of the US Fiji Chamber of Commerce and is an ambassador for the South San Francisco Chamber of Commerce. Cetera Investment Advisers LLC operates a large nationwide network of independent advisors, serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with discretionary and non-discretionary options.

Thomas Alderson is a financial advisor with Ameriprise Financial Services, holding a Series 66 designation and 18 years of industry experience. His career includes multiple roles at Ameriprise as well as positions at Bancwest Investment Services and Charles Schwab. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement income planning advice centered on dependable income sources and tax-aware withdrawal strategies.

Tate Peterson is a financial advisor at Morgan Stanley in Walnut Creek, CA, holding a Series 66 designation with two years of industry experience. His prior roles include positions at Mariner Independent, LPL Financial, and New York Life Insurance Company. Outside of finance, he has been involved with Human Optimization Center / Fire and Ice Therapies, LLC. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning supported by firm-approved tools and a structured discovery process.

Scott Norris is a financial advisor at Merrill in Walnut Creek, CA, holding a Series 66 designation with 17 years of industry experience. He has been with Merrill since 2007 and previously worked at Banc of America Investment Services, Inc. from 2007 to 2009. 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 strategies for individuals, high-net-worth clients, and institutional investors.

William Abraham is a CFP® professional with four years of industry experience, currently affiliated with Cetera. He has held roles at Ready Wealth Advisors and Cetera Wealth Services and is involved in multiple financial services ventures. Outside of his advisory work, he serves as a deacon at Life Church and as a troop chaplain with Trail Life USA, both faith-based organizations. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform that includes affiliated and third-party model portfolios and strategies.

Michael Weintraub is a financial advisor at OSAIC with 56 years of industry experience. He holds a Series 63 designation and has worked at Royal Alliance Associates, Inc. since 1994, NWF Advisory Services, Inc. from 2009 to 2026, and Ascension Benefits & Insurance Solutions since 2010. He serves on the board of the Diablo Regional Arts Association, a local arts center in Walnut Creek, California. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, employing asset-allocation tools and risk-tolerance assessments to manage portfolios that may include stocks, bonds, options, mutual funds, ETFs, and alternative investments.

Christopher Spence is a financial advisor with RBC Capital Markets, holding a Series 66 credential and 28 years of industry experience. He has been with RBC since 2018 and previously worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm offers a range of advisory programs and tailors investment strategies to clients’ risk profiles using a combination of in-house and third-party managers.

Ryan Conners Copeland is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has over 22 years of experience in private client asset management, having started his financial services career in 2000 with a New York-based wealth management firm operating out of the San Francisco office. Since joining Merrill Lynch in 2009, Ryan has focused on developing strategies and providing advice for individuals, their families, and their businesses by understanding their short- and long-term financial goals. He collaborates closely with clients' tax and legal advisors to integrate tax and estate planning for long-term investment success. Ryan holds a CERTIFIED FINANCIAL PLANNER® certification earned in 2005 and maintains Series 7, 31, 63, and 65 FINRA registrations. He is involved professionally as a member of the East Bay Estate Planning Council and the Estate Planning Council of Diablo Valley, having also served on the latter’s board. He earned his bachelor's degree from the University of California at Davis, where he double majored in History and Political Science and received academic honors including multiple appearances on the Dean’s list and membership in the Phi Alpha Theta History honor society. Outside of his professional responsibilities, Ryan resides in Orinda with his wife and two children. He contributes to his community as a youth baseball coach and is active in coaching youth soccer as well.

Miranda Chang is a financial advisor at Cetera with 23 years of industry experience and holds a Series 66 designation. She previously worked at Avantax Investment Services and LPL Financial. Outside of advisory work, she is president of Chang & Associates Tax and Financial Professionals, providing tax preparation and small business accounting services. Cetera Investment Advisers LLC serves a diverse client base including individuals, 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 with access to both affiliated and third-party managers.

Joshua Morgan III is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and 24 years of industry experience. His prior work includes seven years at HSBC Private Bank. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Donald Daniels is a financial advisor with J.P. Morgan Securities in Walnut Creek, CA, holding Series 63 and Series 66 licenses and bringing 13 years of industry experience. He has been with J.P. Morgan Securities since 2012 and concurrently with JPMorgan Chase Bank, N.A. since 2011. 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 through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage and investment management capabilities.

Susan Davitz is a financial advisor at Morgan Stanley with 23 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2009 and holds Series 63 and Series 66 designations. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs including tailored financial planning and manages approximately $2.74 trillion in client assets.