Michael Spiering 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. His career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, Citigroup Global Markets, and Merrill. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools supported by the Global Investment Committee’s market estimates.

Ashley Stepanek is a Series 66 licensed financial advisor at Cetera with three years of industry experience. Prior to joining Cetera, she worked at Morgan Stanley for four years and has held roles at several organizations including the United Nations Educational, Scientific and Cultural Organization (UNESCO). Cetera Investment Advisers LLC is a large SEC-registered firm serving a diverse client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of investment management and financial planning services and operates a multi-manager platform that includes both affiliated and third-party managers.

Thomas Kelly is a CFP® and ChFC® credentialed financial advisor with 34 years of industry experience. He is currently with Raymond James Financial Services Advisors, Inc. and previously worked at Edward Jones and Pacific Life. Outside of his advisory role, he is also involved as a musician in a band. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm employs analytical tools such as risk profiling and probability modeling to tailor non-discretionary planning and consulting to client goals.

Ryan De La Torre is a CFP® with 20 years of industry experience, currently affiliated with Cetera since 2025. He previously worked for Allstate Financial Advisors, LLC and Allstate Insurance Co for 15 years and has operated De La Torre Financial Group since 2016. He serves as a board member and participates in the finance committee for Friends of CASE – Alameda County. Cetera Investment Advisers LLC is an SEC-registered adviser that serves individual, retirement plan, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform that includes affiliated and third-party managers, with over $256 billion in assets under management.

Steven Moone is a financial advisor at J.P. Morgan Securities with six years of industry experience. He holds Series 63 and Series 66 licenses. Prior to his current role, he worked at Flow Studios for two years. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The firm's process combines quantitative and qualitative research and includes access to broader derivatives and commodities capabilities.

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.

Linda Kime is a financial advisor with Edward Jones in Livermore, CA, holding a Series 66 designation and 17 years of industry experience. She has been with Edward Jones since 2009. Outside of her advisory role, she has interests in oil well royalties through HG Energy II Appalachia LLC. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including both non-high-net-worth and high-net-worth households. The firm offers a range of investment strategies and advisory services, supported by a large network of financial advisors and branch offices nationwide.

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 21 years of industry experience. He has held positions at Morgan Stanley Private Bank, N.A. since 2020 and has been with Morgan Stanley since 2017, following nine years at UBS Financial Services and three years at MSI Financial Services, Inc. He holds a Series 66 designation. Outside of his advisory role, he serves as a trustee and co-trustee for a trust in Los Osos, California. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm provides a range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies.

Jared Dannis is a financial advisor at Osaic with 17 years of industry experience. He holds a Series 66 designation and has previously worked at Royal Alliance Associates, Inc. and Signator Investors, Inc. for a combined 18 years. Outside of advising, he serves as a trustee for an immediate family member’s irrevocable trust. Osaic Wealth serves a diverse client base including retail and institutional investors, offering a variety of brokerage and advisory services such as financial planning, managed portfolios, and retirement plan consulting. The firm’s investment approach centers on model-based asset allocation and portfolio optimization, supported by a wide range of customizable strategies and third-party manager selections.

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.

Shane Westhoelter is a financial advisor with Cambridge Investment Research Advisors in San Ramon, CA, holding Series 63 and Series 65 designations and bringing 33 years of industry experience. His work history includes roles at Continuity Partners Group, Gateway Financial Advisors, and a longstanding position with the National Information Network Ministry. Outside of his advisory work, he is involved in various entrepreneurial ventures including founding multiple retail businesses, serving on nonprofit boards such as the Amyotrophic Lateral Sclerosis Association of New Mexico, and authoring industry articles and a book on life planning. Cambridge Investment Research Advisors, Inc. serves a diverse client base including individuals, institutions, pension plans, and charitable organizations. The firm offers financial planning, investment management, retirement-plan advisory, and wrap-fee programs through a large network of financial professionals, utilizing multiple platforms and proprietary model strategies.

Xiao Feng Wu is a financial advisor at Charles Schwab with seven years of industry experience. He holds Series 63 and Series 66 licenses and has worked at multiple firms including LPL Financial, U.S. Bancorp Investments, Wells Fargo Clearing, JPMorgan Chase, Bank of America, Merrill, and Citibank. His current role is based in Oakland, CA. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program and related managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment solutions, supported by integrated advisory, brokerage, custody, and cash-sweep services.

Gregory Anderson is a financial advisor with Merrill in Oakland, CA, holding Series 63 and Series 65 licenses and possessing 33 years of industry experience. He has been with Merrill and Bank of America, N.A. since 2015. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

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.

Ivana Block is a financial advisor with Merrill, holding a Series 66 designation and 11 years of industry experience. She has been with Merrill and its parent company, Bank of America N.A., since 2014. Outside of her advisory role, Ivana is a co-owner of a family rental property business. 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. The firm offers a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.