Michael Robarts is a financial advisor at Morgan Stanley with 34 years of industry experience. He holds a Series 63 designation and has worked with Morgan Stanley Private Bank, N.A. since 2015 and with Morgan Stanley Smith Barney LLC since 2009. Outside of his advisory role, he has involvement in commercial real estate. 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, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured financial planning tools supported by its Global Investment Committee.

Michael Oster is a Wealth Management Advisor at Merrill Lynch Wealth Management in Oakland, where he has been serving clients since 1993. Since May 2015, he has held the position of Resident Director of the Oakland office. Michael's professional focus includes working with high-net-worth individuals and families, non-profit organizations, corporate executives, and business owners to deliver customized financial advice aimed at helping clients meet their financial goals and manage their wealth efficiently. He offers expertise across various areas including asset allocation, retirement income planning, tax minimization strategies, estate planning, and socially responsible investing. Michael is a qualified Portfolio Manager, managing portfolios on a discretionary basis with access to a range of investment products such as equities, fixed income, alternative investments, ETFs, and model portfolios. Clients also benefit from access to banking, credit, and lending services through Bank of America, N.A. Michael holds several professional designations including CERTIFIED FINANCIAL PLANNER (CFP), Chartered Financial Consultant (ChFC), and Certified Plan Fiduciary Advisor (CPFA). He has Series 7, 63, and 65 FINRA registrations and holds a Bachelor of Science and an MBA from the California State University system. Outside of his professional work, Michael lives in Oakland with his wife and two sons. He is actively involved with the Boys & Girls Club of Oakland as a long-term volunteer. His personal interests include golfing, reading, running, swimming, and traveling.

Leila Esmaili Zamora is a financial advisor at Morgan Stanley with one year of industry experience. She holds a Series 66 designation and has worked in various roles including positions at Morgan Stanley Private Bank, LinkedIn, and several consulting and community organizations. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutions, combining tailored financial planning with access to extensive investment resources and research.

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.

Timothy Score is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he has worked since 1994. In his role, he focuses on assisting clients with a broad range of financial planning needs, including college education planning, family wealth management strategies, legacy planning, retirement income, and portfolio management services. He also serves as the Syndicate Coordinator in the office, a position he has held since 2009. Tim earned both his Bachelor of Science degree in Accounting and his Master of Business Administration from Southern Oregon University. He obtained the CERTIFIED FINANCIAL PLANNER® (CFP) certification in 2004 and completed the Merrill Lynch Wealth Management Longevity Training Program at the University of Southern California Davis School of Gerontology in 2015. Timothy has contributed to the development of new advisors through his mentorship in the Professional Development Program. His professional designations include CFP and Personal Investment Advisor (PIA). Outside of his professional duties, Timothy is actively involved in his community and enjoys spending time with his family. He has coached youth sports and volunteered extensively at swim meets. His personal interests include baseball, genealogy, golfing, music, reading, table tennis, traveling, and attending events involving his grandchildren.

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.

Michael Ariyoshi is a financial advisor with Raymond James & Associates in San Rafael, CA, holding Series 63 and Series 65 licenses 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 is a large, dually registered broker-dealer and SEC-registered investment adviser with approximately $501 billion in assets under management. The firm serves a diverse client base, including high-net-worth individuals, institutions, and municipal entities, offering tailored financial planning and consulting services supported by extensive research and a range of portfolio management options.

John Tornes is a CFP® and Series 66 registered financial advisor with Edward Jones in Novato, CA, where he has worked since 2008. He has 18 years of industry experience. Outside of his advisory role, he is involved in rental real estate ownership in San Francisco. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a wide range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets through a large network of advisors and branch offices.

John Pulley is a financial advisor with Morgan Stanley in Oakland, CA, holding Series 63 and Series 65 designations and bringing 43 years of industry experience. His career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs that include tailored financial planning supported by firm-approved tools and analysis.

Xiao Feng Wu is a financial advisor at Charles Schwab in Oakland, CA, holding Series 63 and Series 66 licenses with seven years of industry experience. Prior to joining Charles Schwab, Wu worked at several major financial institutions including LPL Financial, U.S. Bancorp Investments, Wells Fargo Clearing, JPMorgan Chase, Bank of America, Merrill, Citibank, and East West Bancorp. Charles Schwab & Co., Inc. serves a large client base mainly composed of 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 blend of non-discretionary advisory relationships with access to discretionary separately managed accounts, utilizing multi-asset model portfolios and a centralized operational structure.

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.

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.