Luke Asher is a financial advisor at Morgan Stanley with 10 years of industry experience. He holds the Series 66 designation and has worked at Morgan Stanley since 2017, including a role at Morgan Stanley Private Bank, N.A. since 2021. Prior to joining Morgan Stanley, he was employed at UBS from 2015 to 2017. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves both individual and institutional clients. The firm offers a range of advisory programs and tailored financial planning services, managing approximately $2.74 trillion in client assets.

Clayton Sowder is a financial advisor at Cetera with a Series 66 designation and one year of industry experience. He has been with Cetera Investment Advisors since 2026 and previously worked at Cetera Advisors and Retirement Wealth & Tax Advisors. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management, financial planning, and retirement services, operating through a multi-manager platform with over 10,000 advisors and more than $256 billion in assets under management.

Aaron Medema is a financial advisor with Wells Fargo Clearing in Walnut Creek, CA, holding a Series 66 designation and 17 years of industry experience. His career includes roles at Wells Fargo Advisors LLC and Wells Fargo Bank, N.A., where he has worked since 2007. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes investment options such as insurance-related vehicles and bank deposit sweep programs.

James Skilling is a financial advisor with Equitable Advisors in Walnut Creek, CA, holding Series 63 and Series 65 licenses and bringing 14 years of industry experience. He has been with Equitable Advisors since 2012, including time under its prior name, Axa Advisors, LLC. Equitable Advisors serves individual investors, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients. The firm offers financial planning, retirement plan consulting, and various asset-management programs, using a mix of proprietary and third-party investment models delivered through a broad network of Investment Adviser Representatives.

Ashanti Loggins is a financial advisor with Morgan Stanley in Walnut Creek, CA, holding Series 63 and Series 65 designations and totaling 27 years of industry experience. She has been with Morgan Stanley since 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a broad range of advisory programs to individuals and institutional clients, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and utilizes a structured financial planning process supported by proprietary tools and modeling techniques.

Michael Kofford is a financial advisor at Charles Schwab with five years of industry experience. He holds a Series 66 designation and previously worked at Wells Fargo Clearing Services LLC and Wells Fargo Bank NA. Outside of his advisory role, he serves as a board member for Loaves and Fishes of Contra Costa, a nonprofit organization. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment guidance, utilizing multi-asset model portfolios and research from the Schwab Center for Financial Research.

Jennifer Strohecker is a financial advisor at Morgan Stanley with 10 years of industry experience. She holds the Series 63 and Series 65 designations and previously worked at Ameriprise and Ameriprise Financial Services, Inc. Jennifer is based in Walnut Creek, CA. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses structured discovery processes and advanced modeling tools in its planning approach.

Scott Pederson is a financial advisor with OSAIC, holding Series 63 and Series 65 credentials and bringing 35 years of industry experience. His prior roles include positions at Securities America Advisors, Foothill Securities, and Provident Credit Union, where he remains involved in member services. OSAIC serves a broad mix of retail and institutional clients through a large network of advisors and multiple advisory platforms, offering integrated brokerage and investment advisory services, financial planning, and access to third-party money managers and wrap programs.

Matthew Johnson is a financial advisor at J.P. Morgan Securities with 22 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A., with prior experience at Astor Investment Management LLC. 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 institutional advisory operations with brokerage, distribution, and investment management capabilities under a non-discretionary program where clients retain final decision-making authority.

Jeremy Lea is a financial advisor with Equitable Advisors in Walnut Creek, CA, holding Series 63 and Series 65 licenses and two years of industry experience. Prior to his current role, he was affiliated with Equitable Advisors starting in 2023, and has a background that includes work in catering and time at University of the Pacific. Equitable Advisors serves a wide range of clients, including individual investors, retirement plans, corporations, and charitable organizations, providing financial planning, retirement consulting, and asset management through various advisory programs and third-party managers.

James Benke is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 20 years of industry experience. He has worked at Wells Fargo Bank since 2005 and has been with Wells Fargo Clearing since 2016, following five years at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advisory options. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Paul Giacoletti is a CFP® professional with 26 years of industry experience, currently serving at Wells Fargo Advisors in Walnut Creek, CA. He has been with Wells Fargo firms since 2009, including Wells Fargo Clearing and Wells Fargo Advisors LLC. Giacoletti is a part-owner of BPGE Capital Management LLC. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo. The firm serves individuals, trusts, and institutional clients by offering a broad range of investment and financial planning services tailored to clients meeting certain net-worth criteria.

Pauline Millar is a Financial Consultant at Fidelity Investments, a position she has held since 2025. She has been with Fidelity Investments since 2021, previously serving as a Planning Consultant from 2023 to 2025 and as a Relationship Manager from 2021 to 2023. Prior to joining Fidelity, Pauline worked at Bank of America, where she was a Relationship Manager from 2016 to 2019 and an Assistant Manager from 2019 to 2021. Since 2016, Pauline has collaborated with individuals and families to explore strategies for saving, investing, and protecting wealth tailored to their priorities and concerns. She focuses on building personalized plans for retirement, investments, and income protection, supported by her team in areas including estate planning and tax-efficient investing. Pauline holds a California Insurance License. Outside of her professional work, Pauline enjoys family activities, hiking, traveling, and volunteering.

William Pollak is a financial advisor with LPL Financial in Walnut Creek, CA, holding a Series 66 designation and 16 years of industry experience. He has been with LPL Financial since 2011. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting, providing both discretionary and non-discretionary management along with model portfolios and research support.

Robert Morgan III is a CFP®-certified financial advisor with 24 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients by providing investment advisory services, financial planning, and retirement plan consulting. The firm employs over 14,000 financial advisors and manages approximately $671 billion in assets, offering a range of brokerage and advisory solutions.

Christina Egkan is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. She holds Series 63 and Series 65 licenses and previously worked at First Republic Securities Company and First Republic Bank for eight years. J.P. Morgan Securities LLC provides institutional consulting services to corporate, foundation, and defined contribution plan clients, offering asset allocation advice, investment manager searches, and customized performance reporting through a team of Wealth Advisors. The firm combines institutional advisory capabilities with brokerage, distribution, and investment management services.

Cristian Ureno is a Series 66 credentialed financial advisor at Fidelity with one year of industry experience. His prior roles include positions at Ureno Capital Group LLC and Equitable Advisors. He has also worked in education and community resources, including Diablo Valley College and Bay Area Community Resources. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients using a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm manages model portfolios consisting of mutual funds, ETFs, and ETPs, and is noted for its regulatory registrations and use of advanced research technologies.

Michael Kidd is a financial advisor with Morgan Stanley in Walnut Creek, CA, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and at Morgan Stanley Smith Barney since 2011. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools supported by its Global Investment Committee.

Milton Guzman is a CFP® and holds a Series 66 license, with 16 years of industry experience. He has worked at LPL Financial and its DBA Advantage Wealth Advisors since 2015. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Kelly Strand is a financial advisor at Merrill Lynch Wealth Management. She works with clients using a goals-based planning approach to create personalized financial strategies aimed at helping clients pursue their financial goals. Kelly's expertise includes retirement solutions, tax minimization strategies, managing new wealth, personal retirement planning, portfolio management services, women and wealth, and retirement income. Kelly holds a Bachelor's Degree from the University of California San Diego and holds several professional designations including CERTIFIED FINANCIAL PLANNER (CFP), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). She applies a mindset shaped by her experience as a former collegiate track and field hurdler, focusing on preparation and staying composed to help clients navigate financial challenges. Outside her professional role, Kelly is involved as a Special Olympics coach. Her personal interests include gardening, hiking, pickleball, reading, running, skiing, spending time with family, traveling, and practicing yoga.