Deborah Benjamin is a financial advisor at Morgan Stanley in Walnut Creek, CA, with 10 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Morgan Stanley since 2017, following prior roles at Ameriprise Financial Services and Raymond James and Associates. Morgan Stanley Wealth Management offers a range of advisory programs to individuals 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 uses a structured planning process supported by firm-approved tools.

Rania Israel is a financial advisor at Charles Schwab with nine years of industry experience. She holds Series 66 and Series 63 licenses and has worked at Charles Schwab Bank and Charles Schwab & Co., Inc. since 2017. She also had prior experience at Pruco Securities, LLC. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, offering a range of advisory, brokerage, custody, and financial planning services through its Schwab Wealth Advisory wrap fee program. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers multi-asset model portfolios supported by Schwab Center for Financial Research.

Tyler Paik Nicely is a CFP® certificant with 11 years of industry experience, currently serving as an advisor at Charles Schwab in Walnut Creek, CA. His prior roles include positions at Wells Fargo Advisors and Wells Fargo Clearing. Outside of his advisory work, he is the sole managing member of two LLCs established for future real estate investments. Charles Schwab serves a large client base primarily composed of high- and ultra-high-net-worth individuals, offering a combination of advisory, brokerage, custody, and cash-sweep services through its integrated Schwab Wealth Advisory program. The firm delivers investment guidance via both non-discretionary and discretionary management options, utilizing multi-asset portfolios and a centralized operational structure.

Gilbert Castillo is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has been with Wells Fargo Advisors LLC since 2009. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment options. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Azeem Shah is a financial advisor at UBS Financial Services with eight years of industry experience. He holds a Series 66 designation and has previously worked at Merrill, Morgan Stanley, St. Mary’s College of California, and Bank of America. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management and offers proprietary research and a broad range of capital markets services.

Rachel Braswell is a financial advisor at Edward Jones with 12 years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at Wells Fargo Clearing, JP Morgan Chase Bank, Merrill, and Bank of America. Outside of her financial career, she has provided in-home supportive care for a family member with a disability. 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 advisory programs and investment solutions supported by a large network of financial advisors and operates under a fiduciary standard.

Riky Hanan is a financial advisor with Ameriprise in San Ramon, CA, holding a Series 66 designation and 27 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement who meet specific asset criteria, providing written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary advice through a centralized consulting team.

Claudia Thompson is a financial advisor at Morgan Stanley with over 34 years of industry experience. She holds the Series 63, Series 65, and Series 66 designations. Prior to joining Morgan Stanley in 2025, she worked at Merrill for 21 years. 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, including tailored financial planning using firm-approved tools and methodologies, and manages approximately $2.74 trillion in client assets.

Suleiman Samandar is a financial advisor at J.P. Morgan Securities with 16 years of industry experience. He holds Series 63 and Series 65 licenses. His prior experience includes roles at BlackRock and LendingClub. J.P. Morgan Securities 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 team of Wealth Advisors. The firm delivers these services on a non-discretionary basis alongside affiliated brokerage and investment management capabilities.

Mark Krauth is a financial advisor at Ameriprise with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Ameriprise and its affiliates since 2009. Krauth serves on the Board of Directors and the Hope Foundation Committee of Hope Lutheran Church. Ameriprise offers retirement-income planning services primarily for clients with substantial investable assets, combining research-driven modeling and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Steve Loftin is a financial advisor with Osaic who holds Series 63 and Series 65 licenses and has 34 years of industry experience. He has been with Osaic since 2023 and also works at SagePoint Financial, where he has served since 2009. Additionally, he manages client accounts through his sole proprietorship and LLC registered investment advisory businesses. Osaic Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, employing various asset-allocation tools and third-party solutions to construct diversified portfolios.

Elena Richey is a financial advisor at Thrivent Investment Management with Series 66 credentials and one year of industry experience. Prior to her current role, she has held various positions including private nanny and work at Hackbright Academy. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, focusing on holistic, goal-based financial planning without discretionary trading authority. The firm offers both one-time and ongoing planning engagements and integrates planning with managed-account programs under a consolidated billing option called “WealthPlan.”

Sean Mullen is a financial advisor at LPL Financial with 11 years of industry experience. He holds the Series 66 designation and has worked at LPL Financial since 2014. Sean is also associated with Linsco/Private Ledger Corp. and PRIMED. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Richard Sullivan is a financial advisor with MassMutual Investors Services in Walnut Creek, CA, holding a Series 66 designation and 43 years of industry experience. He has been with MassMutual Life Insurance Company and MML Investors Services, Inc. since 1996. In addition to his advisory role, he works as a life and health insurance agent. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser offering financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm uses firm-approved software and collaborative annual planning to provide tailored recommendations across various investment categories.

Cindy Lee is a financial advisor at Morgan Stanley with 24 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, Bank of America, and Merrill. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools such as Monte Carlo simulations and Secular Return Estimates in its advisory process.

Tillman Pugh is a financial advisor with Mass Mutual Investors Services in Walnut Creek, CA, holding Series 63 and Series 65 designations and over 40 years of industry experience. His career includes long tenures with Metlife Securities Inc. and United Resources Insurance Services. He has been with Mass Mutual Investors Services since 2017. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational programs, structuring advisory engagements as ongoing, collaborative relationships focused on client goals.

Zachary Van Blake is a financial advisor with Wells Fargo Clearing in Danville, CA, holding Series 63 and Series 66 licenses and 14 years of industry experience. He has been with Wells Fargo Clearing since 2016, following four years at WELLS FARGO Advisors. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services grounded in modern portfolio theory. The firm’s advisory process is IPS-driven and includes a broader set of financial product offerings than typical large institutional advisers, such as insurance-related vehicles and bank deposit sweep options.

Andrea Roth is a financial advisor with Wells Fargo Clearing in Danville, CA, holding a Series 66 designation and 16 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors from 2012 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven, incorporates modern portfolio theory, and includes a range of investment options such as insurance-related vehicles and bank deposit sweep programs.

James Griffith is a financial advisor with Fidelity, holding Series 63 and Series 65 licenses and possessing 31 years of industry experience. He has worked within various Fidelity divisions since 2015, including Fidelity Brokerage Services LLC and Fidelity Personal and Workplace Advisors. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction across mutual funds, ETFs, and ETPs. The firm also serves as a commodity pool operator and advises multiple registered investment companies and fund-of-funds.

Nicholas Gomez is a financial advisor at LPL Financial with 15 years of industry experience. He holds the Series 66 designation and has previously worked at firms including Newbridge Financial Services Group, JP Morgan Securities, JP Morgan Chase Bank, Bank of America, and Merrill. He is also licensed as a non-variable insurance agent. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and access to research from LPL and third-party subadvisors.