Michael Spiering is a financial advisor with Morgan Stanley in Walnut Creek, CA, holding Series 63 and Series 65 credentials and bringing 34 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and has been associated with Morgan Stanley Smith Barney and Citigroup Global Markets since the mid-2000s. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm provides tailored financial planning and a broad range of advisory programs supported by structured planning tools and risk modeling techniques.

Cameron Kossen is a financial advisor at Ameriprise with 23 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Kossen serves on the Board of Directors for the University of Oregon Alumni Association in Northern California and acts as a Senior Advisor to the Board at the University of Oregon. He is also involved as an Education Coordinator with Business Network International in Walnut Creek, CA. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement who meet specific asset criteria. The firm offers a range of advisory, brokerage, and insurance solutions through affiliated entities and uses a centralized consulting team to deliver non-discretionary, research-driven retirement income recommendations.

Albert Demartini III is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and two years of industry experience. His prior roles include positions at Allspring Global Investments and Wells Fargo Asset Management. 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 advice grounded in modern portfolio theory. The firm’s services include investment policy statement preparation, performance reporting, participant education, and plan benchmarking, with a notable emphasis on including insurance-related products and bank deposit sweep options in its investment menus.

Dan Truong is a Planning Consultant at Fidelity Investments, a role he has held since 2025. He previously worked as a Financial Solutions Advisor at Merrill Lynch Bank of America from 2015 to 2025. Dan holds a California Insurance License. Dan's professional philosophy centers on education and financial planning, emphasizing the importance of a sound financial plan to help clients navigate uncertainties and pursue their financial goals. His approach involves active listening and empathy to ensure that strategies reflect clients' lives and aspirations. He is committed to providing proactive and personalized guidance that anticipates clients' needs and adapts to their evolving circumstances. Outside of his professional work, Dan engages in activities such as biking, cars, family activities, social events with friends, hiking, and photography.

Paul Noceti is a Series 66-licensed financial advisor with Morgan Stanley in Walnut Creek, CA, with 14 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and has been affiliated with Morgan Stanley Smith Barney since 2011. Outside of his advisory role, Noceti is involved as an independent contractor in contract engineering services. Morgan Stanley Wealth Management offers a range of advisory programs to individual and institutional clients, providing tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm‑approved tools and modeling techniques.

Rupal Patel is a financial advisor with UBS Financial Services who holds Series 63 and Series 66 licenses and has 20 years of industry experience. She has worked with UBS since 2009. UBS Financial Services Inc. provides brokerage and investment advisory services to individual, corporate, and institutional clients, offering a range of solutions including fee-based financial planning and portfolio management supported by proprietary research and capital market insights.

Josh Grassel is a Vice President, Financial Consultant at Fidelity Investments. In this role, he partners with high net worth clients and their families to work towards achieving their financial goals. He helps clients develop, maintain, and update their financial plans as their needs and objectives change over time. Josh has been with Fidelity Investments since 2015, progressing from Investment Consultant to Financial Consultant, and currently serving as Vice President, Financial Consultant since 2023. Prior to Fidelity, he worked as a Financial Advisor at Ameriprise from 2013 to 2014, and held positions at Citibank as a Personal Banker and Financial Associate between 2011 and 2013. He holds a California Insurance License.

John Greening is a Financial Advisor at Merrill Lynch Wealth Management. He focuses on connecting clients with tailored financial plans that align with their personal ambitions and priorities. His work encompasses areas such as college education planning, family wealth management strategies, legacy planning, LGBT wealth planning, managing new wealth, personal retirement planning, small business strategies, socially responsible and ESG investing, tax minimization, and retirement income. John utilizes a holistic approach to financial planning, leveraging resources from Merrill Lynch and the banking services of Bank of America. He aims to help clients manage their finances efficiently with acceptable levels of risk, placing clients at the center of the planning process to provide personalized service. He holds an active Series 7 and 66 FINRA registrations and professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). John earned a Bachelor's Degree from California Polytechnic State University, Pomona. In his personal time, he enjoys boating, camping, cooking, fishing, and hiking.

Daniel Tichenor is a financial advisor at Morgan Stanley with 20 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley since 2017, including a role at Morgan Stanley Private Bank, N.A. since 2020. He has prior experience at UBS Financial Services from 2008 to 2017. Outside of his advisory role, he serves as a trustee for a trust in Los Osos, California. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs to both individuals and institutions. The firm offers tailored financial planning and a range of investment solutions, managing approximately $2.74 trillion in client assets.

Jared Dannis is a Series 66-credentialed financial advisor with 17 years of industry experience, currently affiliated with OSAIC. He has worked previously at Royal Alliance Associates, Inc. and Signator Investors, Inc. Outside of advising, Dannis operates as an independent life and health insurance agent under a sole proprietorship and serves as a trustee of an immediate family member’s irrevocable trust. OSAIC serves a wide range of retail and institutional clients through a large network of affiliated advisors, offering integrated brokerage and investment advisory services with a focus on diversified portfolio construction using various asset classes and third-party platform solutions.

Henrik Nielsen is a financial advisor at Wells Fargo Clearing with 26 years of industry experience. He holds a Series 66 designation and previously worked at Bank of America for 21 years before joining Wells Fargo in 2020. Outside of his advisory role, he serves in various leadership positions overseeing family investment interests and development projects in Denmark. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary solutions. The firm’s advisory process is IPS-driven and includes a broad range of financial product offerings such as insurance-related vehicles and bank deposit sweep options.

Raymond Abraham is a financial advisor with Cetera who holds the ChFC® designation and has 43 years of industry experience. He has been associated with Cetera Wealth Services, LLC since 2013 and also works with Ready Wealth Advisors. Outside of his advisory role, he serves as a board member, benefactor, and volunteer leader for The Baun Project, a Christian missionary organization. Cetera Investment Advisers LLC is an SEC-registered firm that offers a range of portfolio management, financial planning, and retirement services through a nationwide network of independent advisors. The firm serves individual, corporate, charitable, and institutional clients, providing access to multiple investment strategies and program options across discretionary and non-discretionary accounts.

Michael Ariyoshi is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. His prior roles include positions at Wells Fargo Clearing, Morgan Stanley Private Bank, and Wells Fargo Advisors. 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 investment recommendations through its Wealth Advisory Services Program and delivers institutional consulting via its Institutional Fiduciary Solutions division.

Michael Morrone is a Series 66-credentialed financial advisor with five years of industry experience, currently with J.P. Morgan Securities. His prior roles include positions at First Republic Investment Management, First Republic Securities, and Wells Fargo. Outside of his advisory work, he holds a passive investment interest in Longwood Holdco, LLC, a holding company that owns a car wash. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing quantitative asset-allocation modeling and a centralized due diligence process to recommend investment solutions.

Bryce Sadosky is a CFP® and holds a Series 66 license with nine years of industry experience. He has been with Charles Schwab since 2016, including a role at Charles Schwab Bank since 2017. He is based in Walnut Creek, CA. 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 advisory relationships and discretionary separately managed accounts, utilizing multi-asset model portfolios and a formal alternative investment program.

Elizabeth Groh is a Wealth Management Advisor affiliated with Merrill Lynch Wealth Management. She has been assisting clients in developing personalized financial strategies to pursue their long-term goals. Her approach includes understanding clients' full financial pictures and creating flexible plans that adapt to changing market conditions. Elizabeth also provides access to investment insights and banking lending solutions through Bank of America. With over 46 years of experience since beginning her career in the San Francisco Bay Area in 1979, Elizabeth focuses on serving high-net-worth individuals and their families. She specializes in areas including college education planning, LGBT wealth planning, personal retirement planning, socially responsible investing, women and wealth, and retirement income. She collaborates with clients' other professionals such as attorneys, CPAs, and tax specialists to help achieve comprehensive financial objectives. Elizabeth holds a bachelor's degree from Arizona State University and is a CERTIFIED FINANCIAL PLANNER® certificant. She is also a Personal Investment Advisor (PIA). Outside of her professional work, she participates in communities such as the San Francisco Zen Center and the Bay Area Strength and Alliance. Her personal interests include hiking, refereeing, skiing, spending time with family, and traveling.

Nina Chung is a financial advisor at Morgan Stanley with 27 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Morgan Stanley since 2013. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs and tailored financial planning services to individual and institutional clients. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that integrates advanced modeling tools.

John Fuller is a CFP® professional with 31 years of industry experience, currently serving as a financial advisor at Ameriprise since 2024. He previously worked at Edward Jones for 20 years. Outside of his advisory role, Fuller is engaged in writing a book titled *Cash Flow – The Holy Grail of Finance*. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement, combining research, modeling, and tax-efficiency analysis to provide non-discretionary, written recommendation reports. The firm serves clients with significant investable assets and integrates algorithmic automation with advisor input to tailor retirement income strategies.

Kate Holloway is a Senior Financial Advisor at Merrill Lynch Wealth Management. She began her career at Merrill Lynch in 2007 with the Institutional Advisory Division in San Francisco before joining the Fish Group in 2008. Kate focuses on multi-generational households and specializes in areas including college education planning, personal retirement planning, socially responsible and values-based investing, as well as women and wealth. Kate earned her Bachelor's Degree from the University of California, Davis, with a major in English and a minor in Sociology. She holds professional designations as a Chartered SRI Counselor (CSRIC) and Personal Investment Advisor (PIA). Her approach centers on putting clients at the center of the wealth management process by delivering education, planning, and investment strategies tailored to their personal goals. Outside of her professional role, Kate volunteers with Muttville Senior Dog Rescue, where she fosters and provides hospice care for senior dogs. She enjoys hiking around San Francisco, knitting and crocheting, and baking for family, friends, and community events.

Vincent Franceschi is a financial advisor at J.P. Morgan Securities with one year of industry experience. He holds a Series 66 designation and previously worked at First Republic Bank for 13 years. 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 large institutional advisory operations with additional market-facing registrations and functions, delivering services on a non-discretionary basis.