Sara Farner is a financial advisor at Morgan Stanley with 25 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Prior to that, she spent nine years at Citigroup Global Markets. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers comprehensive financial planning and advisory programs, managing approximately $2.74 trillion in client assets.

Jeffrey Minamide is a financial advisor with Morgan Stanley in Pleasanton, CA, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2015 and with Morgan Stanley Smith Barney LLC since 2009. Outside of his advisory role, he serves as a board member of the Southern Alameda Buddhist Church. Morgan Stanley Wealth Management provides advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm uses structured planning tools and a disciplined investment process but generally acts in an advisory capacity for retirement accounts unless specifically engaged otherwise.

Sarah Phillips is a financial advisor at Morgan Stanley in Pleasanton, CA, holding a Series 66 designation with 13 years of industry experience. She has worked at Morgan Stanley Smith Barney LLC since 2011 and Morgan Stanley Private Bank, N.A. since 2020. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and provides services through Financial Advisors and the Estate Planning Strategies Group.

Stephen Witt is a financial advisor with J.P. Morgan Securities, holding a Series 63 designation and 41 years of industry experience. He has worked with JPMorgan Chase Bank, N.A., J.P. Morgan Securities, Chase Investment Services Corp., and Wamu Investments, Inc. since 2006. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a program focused on written asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process integrates quantitative and qualitative due diligence and includes broader derivatives and commodities capabilities.

Ching Ho is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 19 years of industry experience. He has a background that includes roles at Morgan Stanley Private Bank and HSBC Bank USA. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages roughly $671 billion in assets and offers both brokerage and advisory solutions, leveraging research from Wells Fargo Investment Institute and third-party databases.

Maria Ricciardi Leonard is a financial advisor at Merrill with 32 years of industry experience. She has been with Merrill since 1994 and holds Series 63 and Series 66 licenses. Merrill, along 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.

August Berman is a financial advisor at Morgan Stanley with 12 years of industry experience. He holds the Series 66 designation and previously worked at UBS Financial Services for nine years. Outside of finance, he operates a personal training business. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer serving both individuals and institutional clients with a wide range of advisory programs and structured financial planning tools.

Daniel Tang is a financial advisor with Merrill in Walnut Creek, CA, holding a Series 66 designation and bringing 12 years of industry experience. He has been with Merrill and Bank of America 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, offering model-based and discretionary strategies for a range of client types including individuals, high-net-worth clients, and institutions.

Ernest Collins is a financial advisor with Cetera, holding Series 63 and Series 65 designations and 11 years of industry experience. His prior roles include positions at Citigroup, Bank of America, and Merrill. Cetera Investment Advisers LLC is a nationwide SEC-registered adviser serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and consulting services through a multi-manager platform, with over $256 billion in assets under management and more than 10,000 advisors.

Luke Mc Kernan is a financial advisor at Morgan Stanley in Walnut Creek, CA. He holds a Series 66 designation and has recently started his advisory career in 2025. Prior to joining Morgan Stanley, he worked in various roles including at California Polytechnic State University San Luis Obispo and Ahmed's Moving Express, Inc. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and financial planning services that utilize firm-approved tools and models to support tailored client plans.

Wahab Shah is a financial advisor at J.P. Morgan Securities with 16 years of industry experience. He holds Series 66 and Series 63 licenses. His prior experience includes roles at Citibank and Wells Fargo. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting through a non-discretionary program.

Karen Dunphy is a financial advisor at Morgan Stanley with 25 years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley since 2015. The firm offers a wide range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by structured discovery conversations and firm-approved planning tools. Morgan Stanley Wealth Management manages approximately $2.74 trillion in client assets and delivers services that include both direct individual plans and Corporate Financial Planning agreements.

Brett Williams is a financial advisor at LPL Financial with 21 years of industry experience. He holds a Series 66 designation and has worked previously at American Investors Company. Williams also operates Williams Estate Planning, a business focused on estate planning services. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management services through a large network of advisors, utilizing model portfolios, third-party subadvisors, and customized strategies.

Joshua Park is a Series 66 licensed financial advisor with seven years of industry experience. He is currently with J.P. Morgan Securities and JPMorgan Chase Bank, N.A., joining both in 2025. His prior experience includes roles at Bank of America, Merrill, and Fidelity Brokerage Services. Outside finance, he was involved with I.S. Kim's Martial Arts from 2020 to 2022. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. Their advisory process combines quantitative and qualitative research to deliver non-discretionary, customized asset allocation advice and investment manager searches.

Patrick Sinclair is a financial advisor at Stifel with 45 years of industry experience. He has been with Stifel Nicolaus & Co. Inc. since 2009. Sinclair holds the Series 63 and Series 65 designations and is based in Walnut Creek, California. Stifel serves a broad range of clients including individuals, institutional investors, charitable organizations, and municipal entities, offering brokerage and investment advisory services supported by proprietary investment analysis and allocation methodologies developed by its Investment Strategy Group.

Rachel Endo is a financial advisor at Edward Jones in Pleasanton, CA, holding a Series 66 designation and beginning her industry experience in 2023. Prior to joining Edward Jones, she worked at Mary Kay Cosmetics for fifteen years and operated The Ranch Pet Resort & Spa for one year. Edward Jones is a full-service wealth management firm serving individual and institutional clients with over $1 trillion in assets under management, offering a broad range of advisory services through a large national network of advisors and branch offices.

Freddie Vidrio is a Financial Consultant at Fidelity Investments, a position he has held since 2018. He has accumulated 26 years of experience in the financial services industry, with extensive expertise in complex guidance and in-depth retirement planning. Prior to his current role, Mr. Vidrio served as an Investment Consultant at Fidelity Investments from 2012 to 2018. His career includes roles as Vice President Financial Advisor at J.P. Morgan Securities LLC from 2012 to 2013 and at Chase Investment Services Corp from 2010 to 2012. Additional experience includes serving as Financial Advisor at CUNA Brokerage Services, Inc. from 2009 to 2010 and U.S. Bancorp Investments, Inc. from 2003 to 2009. Earlier in his career, he worked as a Personal Banker at US Bank and as a Teller at Bay View Bank. Mr. Vidrio holds a California Insurance License.

Ron Silva is a CFP® with 32 years of experience in the financial services industry. He has been with LPL Financial since 2013 and previously worked at National Planning Corporation, Sterling Financial Services, Inc., and OSAIC. Silva also operates Silva Financial Planning Services. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and access to third-party asset management, supported by a large network of investment adviser representatives.

Christine Meyer is a financial advisor at Fidelity with five years of industry experience. She holds a Series 66 designation and has worked at Fidelity Investments since 2021, with prior roles at Merrill and Bank of America. Outside of her advisory role, she operates Beyond Bowls, reselling dough bowls at an outdoor marketplace in Danville, California. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, employing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver diversified model portfolios.

Robert Knoll Jr. is a financial advisor at Equitable Advisors with three years of industry experience. He holds Series 63 and Series 65 licenses. His prior experience includes positions at Northwestern Mutual and Morgan Stanley, as well as work outside the industry in the restaurant sector. He serves as a board member of the University of Oregon Alumni Association. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, pension plans, corporations, and charitable organizations. The firm utilizes a range of advisory programs and third-party asset managers to match clients with appropriate investment models and offers ERISA fiduciary services to qualified plans.