Wanda Wu is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. She holds Series 63 and Series 66 credentials and has been with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities LLC since 2014. 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. As a subsidiary of J.P. Morgan, the firm combines institutional advisory operations with brokerage and investment management capabilities.

Elizabeth Groh is a Wealth Management Advisor at Merrill Lynch Wealth Management. She has dedicated over 46 years to assisting high-net-worth clients in the San Francisco Bay Area, developing customized financial strategies to help them pursue their financial goals. Elizabeth works closely with clients and their other professionals, such as attorneys and tax specialists, to identify primary goals including education funding, tax minimization strategies, and retirement asset management. Elizabeth holds a Bachelor's Degree from Arizona State University and is a CERTIFIED FINANCIAL PLANNER® certificant. She also holds the Professional Investment Advisor (PIA) designation. In addition to her advisory role, she collaborates with a Wealth Management Lending Officer from Bank of America to provide clients with personalized home financing guidance. Outside her professional responsibilities, Elizabeth is involved with the Bay Area Strength Alliance and Buckelew Programs. She enjoys hiking, skiing, and traveling with her family and is active in the Bay Area Strength and Alliance community.

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.

Samantha Dozier is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and one year of industry experience. Her prior work includes roles at Wells Fargo Bank, N.A. and Benchmark Mortgage. 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 services. The firm’s approach is IPS-driven and based on modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Jean Quinlan Riggi is a financial advisor with Morgan Stanley Wealth Management in Walnut Creek, CA, holding Series 63 and Series 66 licenses and 19 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individuals and institutional clients with a variety of advisory programs, including customized financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools such as Monte Carlo simulations in its financial planning process.

Helen Draper is a financial advisor at OSAIC with eight years of industry experience. She holds a Series 66 designation and has previously worked at Woodbury Financial Services Inc. and Stark Miller Financial Benefits Group. Outside of her advisory role, Draper serves as a Client Services Manager at BAMCOFINACNCIAL AND INSURANCE SERVICES INC and works as a bookkeeper in a sole proprietorship. OSAIC serves a wide range of retail and institutional clients through an extensive network of affiliated advisors and advisory platforms, offering integrated brokerage, investment advisory, financial planning, and retirement consulting services. The firm employs asset-allocation tools and third-party solutions to manage diversified portfolios across multiple investment types on discretionary or non-discretionary bases.

Matthew Larrabure is a financial advisor at RBC Capital Markets with 18 years of industry experience. He holds a Series 66 designation and has previously worked at Merrill and Bank of America. Outside of his advisory role, he teaches hunter education classes for the California Department of Fish and Wildlife and serves as a committee member for the Sonoma Marin Area Rail Transit. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers various advisory programs with tailored portfolio management strategies, integrating both in-house and third-party investment resources.

Alfred Steingraf is a financial advisor at Edward Jones with nine years of industry experience. He holds a Series 66 designation and has been with Edward Jones since 2017. Prior to that, he worked briefly at Campaign Monitor in 2016. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions supported by a large nationwide network of financial advisors and branch offices.

Carla Koren is a financial advisor with Morgan Stanley in Oakland, CA, holding Series 63 and Series 65 credentials and bringing 40 years of industry experience. She has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, following a tenure at Citigroup Global Markets starting in 1997. Koren serves on the finance and investment committees of Girls Inc of Alameda County and Temple Sinai. Morgan Stanley Wealth Management provides advisory programs to individuals and institutions, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm uses structured planning processes and firm-approved tools but generally acts in an advisory capacity without individual security recommendations in standalone plans.

Muhammad Afzal is a financial advisor with Wells Fargo Clearing in Walnut Creek, CA, holding Series 63 and Series 66 designations and four years of industry experience. His prior roles include positions at Bank of America, Merrill, and J.P. Morgan Securities LLC. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

John Lacour is a Series 66-licensed financial advisor with Morgan Stanley in Walnut Creek, CA, bringing 20 years of industry experience. He has been with Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a variety of advisory programs for both individual and institutional clients, including tailored financial planning services supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers comprehensive planning but does not provide individual security recommendations through its standalone financial planning program.

Brock Scigliano is a financial advisor with LPL Financial in San Rafael, CA, holding Series 63 and Series 66 licenses and bringing 13 years of industry experience. His prior roles include positions at Fidelity Investments, Prudential, and TD Ameritrade. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions through a large network of investment adviser representatives. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Naomi Evans Jalloh is a financial advisor at Merrill with 15 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Bank of America, Merrill, Deyoe Wealth Management, and LPL Financial. Outside of her advisory role, she is a general partner and managing member of Black Sheep Acquisitions, a for-profit entity engaged in real estate. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Haden Licon is a Financial Consultant at Fidelity Investments, a position he has held since 2025. He joined Fidelity Investments in 2023 and has also served as an Investment Consultant and Financial Representative within the company. Prior to his roles at Fidelity, Haden worked as a Relationship Manager at Bank of America from 2022 to 2023 and as a Member Service Specialist at Unify Financial Credit Union in 2022. Haden is licensed with a California Insurance License, enabling him to serve clients with their insurance needs in addition to his financial advisory services. He is dedicated to helping clients develop and implement financial plans that provide security and allow them to focus on other priorities. Haden values being reachable and responsive, facilitating well-informed decision-making. Outside of his professional work, Haden enjoys boating, comedy, fitness, football, golf, and traveling.

Edward Comar is a financial advisor with Ameriprise in Pleasant Hill, CA, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he is involved with an LLC that facilitates employee expenses and retirement plan options. Ameriprise provides retirement-income planning services targeting individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations, supported by a centralized consulting team and an algorithm-driven approach.

Ali Kazemi is a financial advisor with Cetera, holding Series 63 and 65 credentials and bringing 37 years of industry experience. He has worked with firms including Avantax and LPL Financial and serves as owner of Sentinel Financial Group, offering financial planning, investment planning, retirement planning, and tax planning services. Outside of his advisory work, Kazemi is also an associate for In-Home Supportive Services, providing assistance to eligible individuals to support in-home care. Cetera Investment Advisers LLC is an SEC-registered adviser serving a wide range of clients, including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers diverse portfolio management and consulting services through a large network of independent advisors and employs a multi-manager platform that includes affiliated and third-party model portfolios with various program and custodial structures.

Ryan Leonard is a financial advisor at J.P. Morgan Securities with three years of industry experience. He holds Series 66 and Series 63 licenses. Prior to joining J.P. Morgan, Leonard worked in the automotive sales industry with positions at Ocean Honda of Burlingame, Mercedes Benz of San Francisco, and Anderson Honda. J.P. Morgan Securities primarily provides investment consulting and advisory services to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.