Mariah Lininger is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. Her previous roles include work with the County of Yolo District 4 County Supervisor's Office and various positions at the University of California, Davis, and Feather River College. 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, and institutional investors.

Nicholas Tarrab is a financial advisor with UBS Financial Services in Walnut Creek, CA, holding a Series 66 designation and 21 years of industry experience. He has been with UBS Financial since 2004. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services such as fee-based financial planning and discretionary portfolio management.

Raymundo Othon Galvez is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. He holds Series 66 and Series 63 licenses and has worked at JPMorgan Chase Bank, N.A., and J.P. Morgan Securities since 2016. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

David Spencer is a ChFC® with 18 years of industry experience, currently serving as a financial advisor at LPL Financial since 2022. He previously worked at Bank of America and Merrill Lynch for over a decade. Outside of his advisory role, he is involved with Broadway Endeavor, LLC, a real estate rental business. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory services including financial planning and access to model portfolios, and operates one of the largest advisory platforms with over 22,800 advisors.

Jackson Joyce is a Financial Consultant at Fidelity Investments, where he has been serving since 2023. In this role, he collaborates closely with clients to analyze their portfolios and assist them in making informed financial decisions aligned with their life and family goals. Jackson's experience at Fidelity Investments spans several roles, including Investment Consultant (2022-2023), Planning Consultant (2021-2022), and Financial Representative (2020-2021). This progression reflects his ongoing commitment to supporting clients in their financial planning and investment needs. He holds a California Insurance License, which complements his financial advisory capabilities.

John Greiten is a financial advisor with Ameriprise in Martinez, CA, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement who meet certain asset thresholds, delivering written recommendations that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm uses a combination of research, modeling, and algorithmic tools overseen by a dedicated consulting team to support its advisory process.

Louis Hudson is a financial advisor at Charles Schwab with 25 years of industry experience. He holds Series 63, 65, and 66 credentials and has previously worked at Morgan Stanley and E*TRADE. Charles Schwab 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, offering a combination of non-discretionary and discretionary investment solutions supported by a multi-asset model portfolio approach.

Scott Geller is a financial advisor with Morgan Stanley in San Rafael, CA, holding Series 63 and Series 66 credentials and 18 years of industry experience. His work history includes roles at Wells Fargo Clearing, Bank of America, and Merrill prior to joining Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering advisory programs to individuals and institutions, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and provides a structured planning process that utilizes firm-approved tools and modeling techniques.

Gordon Williams is a financial advisor with Morgan Stanley in Walnut Creek, CA, holding Series 63 and Series 65 credentials and bringing 22 years of industry experience. He has been with Morgan Stanley and its Private Bank since 2013. Outside of his advisory role, he is involved in real estate ownership as a sole proprietor. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and a range of advisory programs supported by structured planning tools and research from its Global Investment Committee.

Hallie Hart is a Series 66 licensed financial advisor with 27 years of industry experience. She has worked at UBS Financial Services since 2016 and previously spent 16 years at Merrill. Outside of her advisory role, she founded and operates Stick Your Wings Out, an educational blog and advocacy group focused on supporting parents of children with exceptional needs. UBS Financial Services serves individual, corporate, and institutional clients through a mix of brokerage and advisory services, offering financial planning, portfolio management, and access to mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management, supported by proprietary research and capital market resources.

Frank Lizotte is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at several firms, including LPL Financial, The Golden 1 Credit Union, and Bank of the West. Lizotte has been with J.P. Morgan Securities and JPMorgan Chase Bank since 2014, currently based in Alamo, CA. 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. The firm delivers recommendations on a non-discretionary basis, combining large institutional advisory capabilities with brokerage and investment management services.

Patrick Cronin is a Senior Financial Advisor and Senior Vice President at Merrill Lynch Wealth Management with over 39 years of experience in the financial advisory field, including more than 30 years with Bank of America and Merrill Lynch. He specializes in developing personalized wealth management strategies designed to help clients build a strong financial foundation. His advisory services cover areas such as family wealth management, personal retirement planning, portfolio management, special needs planning, individual and corporate investment strategies, tax minimization, and retirement income planning. Patrick earned a Bachelor's Degree in Business from California State Polytechnic University, Pomona, where he was a member of the 1980 NCAA Baseball Championship Team. He holds the designation of Personal Investment Advisor (PIA). Patrick emphasizes working closely with clients to tailor financial strategies that reflect their unique objectives, maintaining a commitment to integrity and respect throughout the process. Outside of his professional work, Patrick is involved with the PGAHOPE Foundation and helps run a golf tournament supporting disabled veterans. He enjoys gardening, golfing, hiking, reading, and spending time with his family. Born and raised in Oakland, California, he currently resides in Danville, California, with his wife Erica and their three daughters.

Robert Johnson is a financial advisor at OSAIC with 34 years of industry experience. He holds Series 63 and Series 65 designations and previously worked for Securities America Advisors and Securities America Inc for a decade. He serves as Secretary on the board of the Dry Ridge Ranch Homeowners Association. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, utilizing asset-allocation tools and third-party platforms to manage portfolios across a wide range of investment types.

Jack Caswell is a financial advisor at Morgan Stanley in San Rafael, CA, holding a Series 66 designation with two years of industry experience. His prior work history includes roles at Mirador, Inc., Rookie Road, Inc., and Fiddlehead Brewing Company. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a range of advisory programs to individuals and institutional clients, including tailored financial planning supported by firm-approved tools and methodologies.

John D'amico is a financial advisor at UBS Financial Services with 27 years of industry experience. He holds Series 63, Series 65, and Series 66 designations. Prior to joining UBS in 2019, he worked at Bank of America and Merrill Lynch, Pierce, Fenner & Smith, Inc. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services, operating as a broker-dealer, investment adviser, and futures commission merchant.

Kim Meek is Vice President and Financial Consultant at Fidelity Investments, a position held since 2020. She has over 27 years of experience in financial planning, focusing on helping clients understand and achieve their individual priorities and goals through an approach grounded in trust and integrity. Prior to her current role, Kim worked at Fisher Investments from 1999 to 2020 in positions including Investment Counselor and Vice President as well as Vice President, Client Services. She holds a California Insurance License. Outside of her professional work, Kim's personal interests include family activities, social events with friends, gardening, outdoor adventures, and sailing.

John Zimmermann is a financial advisor at Morgan Stanley with nine years of industry experience. He holds the Series 66 designation and has been with Morgan Stanley since 2016, including four years at Morgan Stanley Private Bank, N.A. based in Walnut Creek, CA. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs and tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and emphasizes structured planning processes supported by firm-approved tools and investment research.

Andrew Rubio Mendoza is a financial advisor with Charles Schwab, holding Series 63 and Series 66 licenses and four years of industry experience. His prior roles include positions at J.P. Morgan Securities LLC and JPMorgan Chase Bank, N.A. He has also worked in community and retail sectors, including the YMCA East Bay and Road Runner Sports. 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 access to discretionary separately managed accounts, supported by multi-asset model portfolios and a formal alternative-investment onboarding process.

Sheri Benjamin is a financial advisor with LPL Financial, holding a ChFC® designation and Series 63 license, with 33 years of industry experience. She has been with LPL Financial since 2013. Outside of her advisory role, she is involved with Cammarano Insurance Services, where she contributes to non-variable insurance activities. 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, utilizing both proprietary and third-party strategies across various account types.

Jennifer Bottalico is a Certified Financial Planner (CFP®) with 29 years of industry experience. She has been with Raymond James & Associates in Belvedere Tiburon, CA, for 10 years. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning, investment consulting, and municipal advisory services.