Kristeena Brown is a financial advisor with Ameriprise in Walnut Creek, CA, holding Series 63 and Series 65 licenses and possessing 12 years of industry experience. She previously worked at J.P. Morgan Securities and J.P. Morgan Chase Bank for a combined total of 10 years. Brown is also involved with The WOWM Group LLC as an associate financial advisor. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a retirement income service focused on written recommendations and annual planning advice that emphasizes dependable income sources and tax-aware withdrawal strategies.

Lilian Senra Vera is a financial advisor at Wells Fargo Clearing with seven years of industry experience. She holds Series 63 and Series 66 licenses and has been with Wells Fargo Clearing since 2018, following a prior role at Wells Fargo Bank NA. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process 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.

Michael Riherd is a financial advisor at Wells Fargo Clearing with 33 years of industry experience. He holds Series 63 and Series 65 designations. Prior to joining Wells Fargo in 2016, he worked at Merrill from 2004 to 2011 and at AllianceBernstein L.P. from 1997 to 2004. 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 combination of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party analytics.

Badrakhmaa Bukhkhuu is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and four years of industry experience. Prior to joining J.P. Morgan, Bukhkhuu worked at Bank of America and has been with JPMorgan Chase Bank, N.A. since 2022. 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 with forward-looking capital market assumptions to develop model asset allocations, including ESG considerations.

Diane Van Nostrand is a financial advisor with Morgan Stanley in Walnut Creek, CA, holding Series 63 and Series 65 designations and bringing 35 years of industry experience. Her prior work includes roles at Dunhill Financial, Citigroup Global Markets, and UBS Financial Services. She also serves as a FINRA arbitrator, participating in the resolution of securities-related disputes. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a wide range of advisory programs for individual and institutional clients, including comprehensive financial planning supported by firm-approved tools and modeling techniques.

Connor Gray is a financial advisor at Ameriprise with two years of industry experience. He holds a Series 66 designation and previously worked at Equitable Advisors, LLC. Outside of his advisory role, he owns and operates a shoe resale business. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service that provides ongoing advice and written recommendation reports focused on income sources and tax-aware withdrawal strategies.

Sheena Culp is a CFP® certified financial advisor with 15 years of industry experience. She is currently with OSAIC and has previously worked at Sagepoint Financial Advisors and Wagner, Loftin Investment Services. Culp also serves as a notary public and owns a sole proprietorship selling insurance. OSAIC Wealth serves a diverse client base including retail and institutional investors, offering both brokerage and advisory services through a multi-advisor platform. The firm emphasizes model-based asset allocation and portfolio optimization, utilizing various programs such as Unified Managed Accounts and third-party money manager options.

Zenaida Tsung is a Financial Solutions Advisor (FSA) with Merrill Lynch Wealth Management. In her role, she focuses on helping clients develop personalized financial strategies that align with their unique ambitions and priorities. She works with individuals to plan for various financial goals, including funding education, retirement planning, and managing potential healthcare costs. Zenaida's approach involves understanding each client’s personal perspectives to create transparent and straightforward investment plans. Her expertise spans general investing, retirement planning, and preparing for unexpected financial needs. She holds the Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from the University of Texas System. Outside of her advisory work, Zenaida is involved with professional organizations including the Hispanic/Latino Organization for Leadership & Advancement (HOLA) and the Merrill Women's Exchange.

Christopher Ellis is a financial advisor at UBS Financial Services with one year of industry experience. Prior to joining UBS in 2024, he spent three years at Functional Muscle Fitness and has a background in education, having worked at St. Mary’s College of California and De La Salle High School. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management. The firm offers fee-based financial planning, discretionary and non-discretionary portfolio management, and distributes mutual funds and alternative products.

Madison Spiering is a financial advisor at Morgan Stanley with six years of industry experience. She has been with Morgan Stanley Private Bank, N.A. since 2020 and with Morgan Stanley since 2019. Madison holds a Series 66 designation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a wide range of advisory programs and financial planning services that utilize structured discovery processes and firm-approved planning tools.

Shane San Martin is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 26 years of industry experience. He has been with Wells Fargo firms since 2001, including Wells Fargo Investments and Wells Fargo Clearing. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Mark Mathews is a financial advisor at Raymond James & Associates with nine years of industry experience. He holds the Series 66 designation and has worked previously at JPMorgan Chase and Merrill. Outside of his advisory roles, he was involved with The Blue Light from 2018 to 2021. Raymond James & Associates is a large, dually registered broker-dealer and investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, offering financial planning, non-discretionary investment consulting, and institutional fiduciary services, utilizing fact-finding interviews, risk profiling, and software-driven analyses to build tailored plans.

Jeffrey Coburn is a CFA® charterholder with 18 years of industry experience. He is currently with Morgan Stanley in Walnut Creek, CA, where he has worked since 2023. Prior to joining Morgan Stanley, he spent six years at First Republic Investment Management and affiliated entities. 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 that utilizes structured discovery processes and firm-approved tools to model investment outcomes.

Charles Kallgren is a financial advisor with Charles Schwab in Walnut Creek, CA, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has been with Charles Schwab Bank and Charles Schwab since 2006. Outside of his advisory role, he serves as President and Director of the Five Bridges Foundation, a nonprofit organization focused on charitable donations in the Bay Area. Charles Schwab 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 combines non-discretionary advisory services with access to discretionary separately managed accounts, offering multi-asset model portfolios and a centralized operational structure.

Michael Heisick is a financial advisor with RBC Capital Markets, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. He has worked at RBC Capital Markets since 2017, with prior experience at Wells Fargo Clearing, Citigroup Global Markets, and Ameriprise. RBC Wealth Management, a division of RBC Capital Markets, serves individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers a range of advisory programs providing portfolio management, financial planning, custody, and brokerage services, utilizing both in-house and third-party investment managers tailored to clients' risk profiles.

Anthony Ricardo is a financial advisor with Merrill in Walnut Creek, CA, holding a Series 66 designation and 16 years of industry experience. His career includes roles at Bank of America, Citigroup, Wells Fargo, and Kheystone Management Company, where he is also owner of a commercial property management and equine services business. Ricardo serves as secretary and board member for a nonprofit involved in Bible education. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, institutions, and nonprofit organizations, with portfolio implementation supported by internal and third-party managers.

Mai Gigliotti is a financial advisor at Wells Fargo Clearing with 14 years of industry experience. She holds Series 63 and Series 65 designations and has been with Wells Fargo in various capacities since 2011. 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 research from Wells Fargo Investment Institute with third-party data to support its investment decisions.

Jely Lorenzo is a financial advisor with J.P. Morgan Securities in Walnut Creek, CA, holding Series 63 and Series 66 designations and eight years of industry experience. Prior to joining J.P. Morgan Securities, Lorenzo worked at JPMorgan Chase Bank, N.A. and Bank of America. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on non-discretionary asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process combines quantitative and qualitative research with forward-looking capital market assumptions and incorporates an ESG eligibility framework.

Robert Moranville is a CFP® professional with 32 years of industry experience. He is currently affiliated with LPL Financial and has previously worked with Raymond James Financial and Raymond James Financial Services. Moranville has operated Moranville & Associates since 1995. 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 offers financial planning, model portfolio programs, third-party asset management access, and institutional platforms, providing advice and account management through a large network of investment adviser representatives.

Nicholas Jones is a financial advisor at Fidelity with Series 66 and Series 63 licenses and two years of industry experience. He previously worked at Northwestern Mutual Investment Services LLC and TechTronic Industries. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios across various investment vehicles.