Raymond Gibson is a Series 65–licensed financial advisor with Equitable Advisors in Walnut Creek, CA, where he has worked since 1999. He has 39 years of industry experience and previously worked with Axa Advisors, LLC for 21 years. Equitable Advisors serves a wide range of clients, including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and various asset-management programs, utilizing a network of Investment Adviser Representatives and both proprietary and third-party advisory solutions.

Denise Erdem is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors, LLC from 2012 to 2016. Outside of her advisory role, she serves as a notary public in Clayton, CA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with a broader range of financial products that includes insurance-related vehicles and bank deposit sweep options.

Chris Held is a financial advisor with LPL Financial in Walnut Creek, CA, holding CFP® and Series 66 credentials and bringing 22 years of industry experience. Prior to joining LPL Financial in 2019, he worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney from 2012 to 2019. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, with access to model portfolios, research, and various investment and portfolio management strategies.

Louisa Sakkis is a financial advisor at Stifel with 21 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Stifel Nicolaus since 2011. Stifel serves a diverse client base, including individuals, institutional clients, and charitable organizations, offering both brokerage and investment advisory services. The firm’s investment approach utilizes a proprietary methodology developed by its Investment Strategy Group, focusing on forward-looking capital market assumptions and probabilistic modeling to guide asset allocation and planning.

Simon Knight is a Series 66-registered financial advisor with Edward Jones, based in Alamo, CA, and has one year of industry experience. He worked for Easter Seals Northern California/Catalight for ten years prior to joining Edward Jones. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment strategies supported by a nationwide network of more than 23,700 financial advisors.

James Carbonell is a financial advisor with RBC Capital Markets in Walnut Creek, CA, holding Series 63 and Series 65 licenses and 28 years of industry experience. His prior roles include positions at City National Bank and Wells Fargo Advisors. Outside of his advisory work, he is involved in youth lacrosse as a coach and sits on the board of a lacrosse club. RBC Wealth Management, a division of RBC Capital Markets, serves individual and institutional clients through a variety of advisory programs that offer customized portfolio management and financial planning services. The firm integrates in-house and third-party investment resources and offers features such as tax management, responsible investing options, and access to alternative investments.

Christopher West is a CFA® charterholder with 27 years of industry experience. He has been with Wells Fargo Clearing since 2016, following five years at Wells Fargo Advisors LLC. He holds Series 63 and Series 66 licenses and is based in Walnut Creek, CA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Daniel Baldwin is a financial advisor at Morgan Stanley with 29 years of industry experience. He has been associated with Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Baldwin holds Series 63 and Series 65 licenses. He serves as a board officer for the JV Bubby Baldwin Service and Conservation Foundation, a veteran organization based in Lafayette, California. Morgan Stanley Wealth Management provides advisory programs to individuals and institutions, focusing on tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools that incorporate market simulations and long-term return estimates.

Sylvana Youssef is a financial advisor at J.P. Morgan Securities with Series 66 and Series 63 licenses and one year of industry experience. Prior to joining J.P. Morgan Securities and JPMorgan Chase Bank, N.A., she worked at Bank of America for six years and has held various roles in banking and consulting. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm utilizes a combination of quantitative asset-allocation modeling, centralized due diligence, and an ESG eligibility framework to support its non-discretionary advisory services.

Kevin Zimmer is a financial advisor at LPL Financial with 33 years of industry experience. He has been with LPL Financial since 2008 and holds a Series 63 designation. LPL Financial is a registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a nationwide network. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, supported by model portfolios and research from multiple sources.

Tyler O'campo is a financial advisor with Equitable Advisors, holding Series 65 and Series 63 licenses and six years of industry experience. Prior to joining Equitable Advisors in 2019, he worked at AXA-Advisors, LLC, and has experience in hospitality and collegiate environments. Equitable Advisors serves a diverse client base including individuals, pension plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and asset management through a network of Investment Adviser Representatives and third-party asset managers.

Clark Geranen is a financial advisor with LPL Financial, holding a Series 66 designation and six years of industry experience. He previously worked at Cordoba Corporation and Parsons Corporation. LPL Financial serves individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives, offering financial planning, advisory programs, retirement consulting, and brokerage services. The firm provides discretionary and non-discretionary management with access to model portfolios, research, and a range of strategic and tactical investment approaches.

Paul Watkins is a Financial Consultant at Fidelity Investments, a role he has held since 2025. Prior to this position, he served as a Planning Consultant at Fidelity Investments from 2023 to 2025. In his professional capacity, Paul focuses on building confident financial plans for his clients through personalized conversations and education on various financial options. Paul completed his MBA with an emphasis in Finance at Saint Mary's College of California, enhancing his skills in financial consulting. He holds a California Insurance License. Originally from Walnut Creek, CA, Paul and his family enjoy spending weekends exploring outdoor parks. His personal interests include camping, family activities, social events, hiking, parenthood, and skiing.

Amy Wasser is a CFP®-certified financial advisor with 27 years of industry experience. She has been with Raymond James Financial since 2022, following a 23-year tenure at Edward D. Jones & Co., L.P. Wasser is also involved with SilverTree Collective and is a member of Wasser Wealth Management, LLC, through which she works as a financial advisor. Raymond James Financial Services Advisors, Inc. serves a broad client base, including individual and high-net-worth clients, pension plans, corporations, and institutional investors. The firm provides tailored financial planning and investment consulting using analytical tools to support client goals and offers specialized programs such as wrap-fee advisory services and municipal and public finance consulting.

Sara Holland is a financial advisor with Wells Fargo Advisors in Walnut Creek, CA, holding Series 63 and Series 65 credentials and 19 years of industry experience. She has worked within the Wells Fargo organization since 2009, including roles at Wells Fargo Advisors and Wells Fargo Clearing. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that offers investment and financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services tailored to clients who meet certain net-worth thresholds, utilizing Wells Fargo research and planning tools to develop customized recommendations.

Christopher Thompson is a financial advisor at Stifel with 23 years of industry experience. He holds a Series 66 designation and has been with Stifel Nicolaus & Co. Inc. since 2015. Outside of his advisory role, Thompson has co-authored a children’s book with his daughter and is involved as an advisor and co-founder of YouthDraft, an app for youth sports assessments and drafting, as well as advising a sports equipment business started by his son. Stifel serves a broad client base including individuals, institutional clients, and municipal entities, offering brokerage and investment advisory services supported by proprietary investment analysis and allocation methodologies developed by its Investment Strategy Group.

John Mccarthy is a financial advisor at Stifel with 35 years of industry experience. He has been with Stifel Nicolaus & Co. Inc. since 2011. His credentials include the Series 63 and Series 65 licenses. Stifel serves a broad range of clients, including individuals, institutional clients, charitable organizations, and municipal entities, offering brokerage and investment advisory services. The firm’s investment approach is based on proprietary forward-looking capital market assumptions and probabilistic modeling developed by its Investment Strategy Group.

Stephen Besse is a CFP® with 32 years of industry experience, currently serving as a financial advisor at Raymond James & Associates since 2014. He is located in Walnut Creek, CA, and holds Series 63 and Series 65 licenses. Outside of his advisory role, he is a part-owner of a family cabin held in an LLC for tax and liability purposes. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and municipal entities, offering financial planning and investment consulting with a generally non-discretionary approach.

Sumit Mahay is a financial advisor at Morgan Stanley with 22 years of industry experience. He holds Series 63 and Series 65 designations and has worked at firms including Ameriprise Financial Services and E*TRADE Capital Management. His background also includes experience with various businesses outside finance. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves both individual and institutional clients. The firm offers comprehensive financial planning and a range of advisory programs supported by structured planning tools and research from its Global Investment Committee.

Colleen Cusick is a Wealth Management Advisor at Merrill Lynch Wealth Management. She has over 30 years of experience with Merrill Lynch, preceded by work at a large public accounting firm. Colleen specializes in building long-lasting client relationships and developing customized wealth management strategies tailored to individual client needs. Her approach includes estate planning services, retirement income planning, wealth transfer strategies, college education planning, and tax-efficient estate planning. Colleen holds the Certified Investment Management Analyst® (CIMA®) and Chartered Retirement Planning Counselor™ (CRPC™) designations. She earned a bachelor's degree from Miami University and a master's in business administration from Ohio State University. As a Portfolio Manager, she manages personalized investment strategies on a discretionary basis, focusing on disciplined investment processes, investment manager selection, and asset allocation review. Outside of her professional role, Colleen and her husband enjoy outdoor activities such as jogging, gardening, hiking, skiing, and traveling to exotic destinations.