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 before joining OSAIC in 2018. Rasmussen serves as a Major in the United States Military Reserves, performing duties as an Operations Officer for an Emergency Operations Cell. He is also involved as a managing associate in a sole proprietorship insurance brokerage specializing in life, annuities, disability, and long-term care insurance. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm integrates brokerage and advisory services with financial planning, retirement consulting, and access to third-party money managers, utilizing a variety of asset-allocation tools and investment options to construct portfolios tailored to client needs.

Timothy Argyres is a CFP® professional with 25 years of experience in the financial services industry. He is currently with J.P. Morgan Securities and has previously worked at First Republic Investment Management and Bank of America, among other firms. Outside of his advisory role, 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 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.

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.

David Garcia is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 12 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously held roles at Wells Fargo Advisors LLC and Wells Fargo Bank NA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm’s advisory 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.

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 15 years of industry experience. He holds a Series 66 designation and previously worked at Lincoln Financial Advisors from 2009 to 2025. Outside of advisory services, he is also an insurance agent offering accident/health insurance, fixed/indexed annuities, long-term care insurance, and traditional life insurance products. OSAIC serves a diverse client base including individual and institutional investors, offering integrated brokerage, investment advisory services, and access to various managed account platforms. The firm employs asset-allocation tools, risk-tolerance questionnaires, and automated rebalancing to construct portfolios across multiple asset classes for discretionary or non-discretionary management.

Eric Cline is a financial advisor with Morgan Stanley in Walnut Creek, CA, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has worked with Morgan Stanley Smith Barney since 2009 and at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management provides advisory programs to individual and institutional clients, offering tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers a range of investment services alongside its financial planning capabilities.

Christian Dominguez is a financial advisor at LPL Financial with 11 years of industry experience. He holds Series 65 and Series 63 designations and has worked at several firms, including Principal Life Insurance Company, Principal Securities Inc, TruWest, and Princor Financial Services Corporation. Outside of his advisory role, he is involved with FAST TRACK FINANCIAL, LLC, a business entity for tax and investment purposes. 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 a range of financial planning and advisory programs, utilizing model portfolios, research, and technology-driven solutions.

Scott Klein is a financial advisor with Equitable Advisors in Walnut Creek, CA, holding Series 63 and Series 65 licenses and possessing 31 years of industry experience. He has been with Equitable Advisors since 2008 and previously worked with AXA Advisors. In addition to his advisory role, Klein is involved in health and long-term care insurance brokerage activities. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm employs a hybrid referral and implementation model that utilizes various advisory programs and fiduciary credentials tailored to client goals and risk tolerance.

Sean Anderson is a financial advisor at Morgan Stanley in Oakland, CA, holding a Series 66 designation with one year of industry experience. Prior to joining Morgan Stanley, he worked in security services and law enforcement for several years, including a position with the California Highway Patrol. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs and financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm uses structured planning tools and a comprehensive discovery process to deliver tailored financial plans.

Scott Goggin is a financial advisor at Morgan Stanley with 13 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley Private Bank, National Association since 2015, and Morgan Stanley Smith Barney since 2012, both located in Walnut Creek, CA. Morgan Stanley Wealth Management serves individual and institutional clients by providing a range of advisory programs, including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers both direct financial planning and Corporate Financial Planning agreements with employers.

William King III is a Certified Financial Planner (CFP®) with 25 years of industry experience. He has worked with Wells Fargo Advisors, LLC since 2016. 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.

Matthew Foreman is a financial advisor at Raymond James & Associates in San Rafael, CA, with 12 years of industry experience. He holds the Series 66 designation and previously worked at Wells Fargo Clearing and WELLS FARGO Advisors, LLC. Raymond James & Associates provides financial planning and investment consulting to a diverse client base, including individuals, employer-sponsored retirement plans, corporate and charitable entities, and government clients. The firm offers tailored financial plans and asset-allocation analyses through its Wealth Advisory Services Program and supports both retail and institutional clients with a range of advisory and financing services.

Joshua Haney is a CFP® professional at Wells Fargo Clearing with 17 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors, LLC from 2012 to 2016. Outside of his advisory role, he serves as the treasurer for the Campolindo Homeowners Association in Moraga, CA, overseeing financial documents and budgeting. Wells Fargo Clearing specializes in retirement plan consulting for qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, providing a broad range of financial products including insurance-related vehicles and bank deposit sweep options.

Mario Duenas is a financial advisor with Wells Fargo Clearing in Walnut Creek, CA, holding Series 63 and Series 66 licenses and bringing 13 years of industry experience. He has worked at Wells Fargo Clearing and Wells Fargo Bank, N.A. since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and brokerage solutions. The firm manages approximately $671 billion in assets across more than 14,000 advisors and offers both discretionary and non-discretionary retirement plan services supported by in-house research and third-party analytics.

Undralyn Williams Reed is a financial advisor at Charles Schwab with four years of industry experience. She holds a Series 66 designation and previously worked at TIAA Kaspick from 2013 to 2022. Reed is based in Oakland, CA. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated financial planning services. The firm offers a combination of non-discretionary and discretionary investment management, supported by a multi-asset model portfolio approach and centralized operational infrastructure.

Gary Berg is a financial advisor with Ameriprise in Walnut Creek, CA, holding Series 63 and Series 65 credentials and having 40 years of industry experience. He has been with Ameriprise and its related entities since 2005. Outside of advising, he has administrative roles in managing business expenses for financial advisory practices through two LLCs. Ameriprise provides retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to generate written, non-discretionary recommendations. The firm offers a broad range of advisory, brokerage, and insurance solutions typical of a large institutional provider.

Michael Devere is a financial advisor at OSAIC with 18 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Lincoln Financial Advisors Corporation, Mass Mutual Investors Services, Massachusetts Mutual Life Insurance Company, and Metlife Securities Inc. In addition to his advisory role, he is an agent offering accident, health, disability, long-term care, and traditional life insurance products along with fixed and equity-indexed annuities. OSAIC serves a wide range of retail and institutional clients, providing integrated brokerage and advisory services, financial planning, and access to multiple investment platforms and third-party money managers. The firm employs various asset-allocation tools and supports both discretionary and non-discretionary account management, offering diversified portfolios across multiple asset classes.