Daniel Sanom is a financial advisor at Ameriprise with 24 years of industry experience and holds a Series 66 designation. He has been with Ameriprise and its affiliate since 2005. Outside of his advisory role, he serves on the Board of Directors for the Rudgear Estates Swim Team and acts as Treasurer for a local soccer club's daughters’ team in Walnut Creek, CA. Ameriprise offers retirement-income planning services primarily for individuals nearing or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Raymond Adair Jr. is a financial advisor with Mass Mutual Investors Services in Pleasant Hill, CA. He holds Series 63 and Series 65 licenses and has 20 years of industry experience. Since 2012, he has been associated with both MML Investors Services and Mass Mutual Life Insurance Company. Outside of his advisory role, he is also a magic and stage hypnosis performer. 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, using firm-approved tools and collaborative annual planning relationships.

Stephanie Hepp is a Series 66 licensed financial advisor with 18 years of industry experience. She has worked at Merrill since 2016 and previously held positions at Wells Fargo Clearing, Stifel, and Morgan Stanley. 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 a range of clients including individuals, high-net-worth clients, and charitable organizations.

James Ingenluyff is a financial advisor at Ameriprise with six years of industry experience. He has worked at Ameriprise and its affiliated entities since 2017 and previously spent six years with Paradigm Management Services. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service providing written recommendation reports and ongoing tax-aware retirement income planning advice, supported by investment research and algorithmic tools.

Teresa Wong is a financial advisor with LPL Financial in Antioch, CA, holding a Series 66 designation and 28 years of industry experience. Her career includes prior roles at Merrill and Citigroup-affiliated firms. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides a range of financial planning and investment management services delivered through a large network of advisors who utilize model portfolios, third-party subadvisors, and customized strategies.

Techen Hwang is a financial advisor with J.P. Morgan Securities based in Walnut Creek, CA. He holds the Series 63 and Series 66 designations and has 13 years of industry experience. Prior to his current role, he has been with JPMorgan Chase Bank, N.A. since 2011. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm combines quantitative and qualitative research through a centralized manager solutions team and offers broader derivatives and commodities capabilities.

Derek Cushman is a financial advisor at Morgan Stanley with a Series 66 credential and three years of industry experience. His prior roles include positions at Oppenheimer and Archer Huntley Financial Services Inc. He has also worked in financial aid and various other industries, including a five-year tenure at DoorDash. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, with a financial planning process that employs structured discovery and advanced modeling tools. The firm manages approximately $2.74 trillion in client assets and provides both direct and corporate financial planning services.

Taryn Horne is a Series 66-licensed financial advisor with Morgan Stanley in Walnut Creek, CA, bringing 20 years of industry experience. She has been with Morgan Stanley since 2014. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individuals and institutions, including tailored financial planning supported by structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through corporate financial planning agreements.

Pouneh Lomboy is a Series 66-licensed financial advisor with Merrill, based in Concord, CA, with 14 years of industry experience. She has been with Merrill since 2013. Lomboy has indirect involvement in two privately owned businesses related to real estate and fitness, both operated by her husband. 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 a range of client types including individuals, high-net-worth clients, and charitable organizations.

Jimin Chen is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and eight years of industry experience. Prior to rejoining J.P. Morgan in 2022, Chen worked at Wells Fargo and HSBC in various capacities. Outside of finance, Chen is a silent partner in the Vinum Bar, a business in San Leandro, California. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, offering written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research supported by a dedicated manager solutions team and incorporates ESG considerations within its model asset allocations.

Connor Merrigan is a CFP® professional with seven years of industry experience. He is currently affiliated with Raymond James Financial Services Advisors, Inc. and has prior experience at Summit Financial Group and Securian Financial Services Inc. Merrigan also worked at San Jose State University and Recreational Equipment Inc. early in his career. 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 offers tailored, non-discretionary planning and consulting using various analytical tools and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

John Wackowski is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. His prior roles include positions at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets. Outside of advisory work, he co-owns a rental property in Lafayette, California. 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. The firm’s process is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Cody Rasmussen is a financial advisor with OSAIC, holding Series 63 and Series 65 licenses and 14 years of industry experience. He previously worked at Jhfn Sii for five years before joining OSAIC in 2018. Rasmussen serves as a Major in the U.S. Military Reserves, performing duties as an Operations Officer for an Emergency Operations Cell. OSAIC Wealth serves a diverse range of clients, including individual investors, retirement plan sponsors, charities, and corporations. The firm offers comprehensive financial planning and advisory services through a multi-advisor platform that employs model-based asset allocation and portfolio optimization.

Timothy Argyres is a CFP® professional with 25 years of industry experience, currently affiliated with J.P. Morgan Securities. His prior roles include positions at Potter Street Partners LLC, First Republic Securities Company, Bank of America, Merrill, and UBS Financial Services. Outside of his advisory work, he serves as a committee member for Wolfpack Basketball NorCal, a charitable organization focused on youth basketball, where he assists with financial oversight and budgeting. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments through a non-discretionary advisory program that emphasizes written asset allocation advice, investment manager searches, and customized performance reporting. The firm employs a centralized due diligence process combining quantitative and qualitative analysis to develop model asset allocations and incorporates ESG considerations within its eligible strategies.

Aura Scurtu is a Financial Consultant currently working at Fidelity Investments since 2022. In her role, she focuses on understanding her clients' financial goals and developing comprehensive financial plans with strategies aimed at helping them achieve those objectives. Prior to her current position, she was a Financial Solutions Advisor at Merrill from 2018 to 2022. She holds a California Insurance License, which supports her work in providing financial and insurance solutions to her clients. Outside of her professional career, Aura has interests in art, family activities, fitness, hiking, music, and parenthood.

Ning Guo is a Senior Financial Advisor at Merrill Lynch Wealth Management, leading The Kang Group, a Houston-based team focused on serving business owners, entrepreneurs, and families with wealth connected to operating businesses, liquidity events, and long-term planning. He specializes in business sales, tax-aware strategies, and coordination of trust and estate planning, particularly addressing the intersection of family, business, and cross-border considerations. Ning also provides culturally informed guidance to first-generation families managing significant wealth decisions. With over 15 years of experience in Fortune 500 companies prior to joining Merrill Lynch, Ning brings a multifaceted perspective to complex financial planning. He holds a Bachelor’s degree in Computer Engineering from Texas A&M University and an MBA from the University of Houston-Victoria. His professional designations include Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Ning is active in the community, having served six years on the board of the Asian Chamber of Commerce and holding leadership roles with the Riverstone Home Owner Association and Sunrise Youth Soccer Club. He is fluent in Chinese, English, and Mandarin and resides in Houston with his family. Outside of his professional work, Ning’s personal interests include golfing, reading, soccer, table tennis, traveling, and watching movies.

Nathan Richards is a financial advisor at RBC Capital Markets with a Series 66 designation and one year of industry experience. Prior to joining RBC Capital Markets, he held positions at Simpson University and RBC Wealth Management. RBC Wealth Management, a division of RBC Capital Markets, serves a wide range of clients including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers tailored investment strategies through various advisory programs and combines in-house and third-party portfolio management resources.

David Garcia is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and 13 years of industry experience. He has been with Wells Fargo Clearing since 2016 and Wells Fargo Bank NA since 2012. 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 both brokerage and advisory solutions backed by research and analytics from the Wells Fargo Investment Institute.

Marc Steinberg is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2018. He has worked in the financial services industry since 2008, with previous roles including Senior Financial Consultant at TD Ameritrade from 2011 to 2018, Financial Solutions Advisor at Merrill Lynch from 2010 to 2011, and Client Sales Officer, Licensed (Trader) at US Trust, Bank of America Private Wealth Management from 2008 to 2010. Marc holds a California Insurance License. He approaches his work with professionalism, transparency, and care, aiming to build trust and deliver value to clients through comprehensive financial planning and personalized service.

Thomas O'Neill is a financial advisor at OSAIC with a Series 66 designation and 15 years of industry experience. He previously spent 16 years with Lincoln Financial Advisors. In addition to his advisory role, he offers accident, health, long-term care, and life insurance products. OSAIC serves a diverse range of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including financial planning, managed portfolios, and retirement plan consulting. The firm’s investment process focuses on model-based asset allocation and portfolio optimization supported by risk-tolerance analysis and rebalancing tools.