Jacqueline Kwan is a Financial Consultant currently working at Fidelity Investments since 2021. She partners with clients and their families to develop financial plans that adapt over time as their life circumstances change. She has experience in various financial roles, having served as a Financial Solutions Advisor at Merrill Lynch, Pierce, Fenner & Smith Incorporated from 2018 to 2021. Prior to that, she held multiple positions at JP Morgan Chase Bank, N.A., including Private Client Advisor from 2016 to 2018, Financial Advisor Associate from 2015 to 2016, and Private Client Investment Associate from 2012 to 2015. Jacqueline holds a California Insurance License.

Angela Render is a financial advisor at Morgan Stanley with 19 years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley Smith Barney since 2011 and Citigroup Global Markets since 2007. Outside of her advisory role, she is involved in a secret shopping business on a part-time basis. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a variety of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process using firm‑approved tools and market-based modeling.

Thomas Goins is a ChFC®-designated financial advisor with 36 years of industry experience. He is currently with Cambridge Investment Research Advisors and has previously worked at Ic Advisory Services Inc, The Investment Center Inc, and H. Beck, Inc. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, pension plans, charitable organizations, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals, utilizing a range of portfolio management strategies and platform arrangements.

Corey Sunday is a financial advisor at Morgan Stanley with 10 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at AXA Advisors, LLC from 2016 to 2019 before joining Morgan Stanley Smith Barney LLC in 2019. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, offering financial planning services supported by firm-approved tools and analysis methods. The firm manages approximately $2.74 trillion in client assets and serves clients through direct and corporate financial planning agreements.

Scott Pollak is a financial advisor with Ameriprise in Orinda, CA, holding a Series 66 designation and 24 years of industry experience. He has been with Ameriprise and its affiliated entities since 2002. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

George Huertas is a financial advisor at Morgan Stanley with 38 years of industry experience. His career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney LLC, Bank of America, and Merrill. He holds Series 63, Series 65, and Series 66 credentials. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques in its financial planning process.

David Potter is a financial advisor with Morgan Stanley in Walnut Creek, CA, holding a Series 63 designation and 39 years of industry experience. He has been with Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009 and previously worked with Citigroup Global Markets starting in 1993. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process incorporates structured discovery and firm-approved tools, utilizing modeling techniques such as Secular Return Estimates and Monte Carlo simulations.

Kevin Sanchez is a CFP®-credentialed financial advisor with 32 years of industry experience. He is currently with Morgan Stanley, having previously worked at UBS Financial Services for 20 years. Outside of his advisory role, Sanchez serves as a board member of the Diablo Regional Arts Association in Walnut Creek, California. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a range of advisory programs to both individuals and institutional clients, including tailored financial planning supported by firm-approved methodologies and expert committees.

Melissa Dardis is a financial advisor at RBC Capital Markets with 10 years of industry experience. She holds a Series 66 designation and has previously worked at Bank of America and Merrill. She is based in Walnut Creek, CA. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers multiple advisory programs with discretionary and non-discretionary portfolio management, tailoring strategies to clients’ risk profiles through a combination of in-house and third-party investment managers.

Julie Choy is a financial advisor with UBS Financial Services in Walnut Creek, CA, holding a Series 66 designation and 23 years of industry experience. She has been with UBS Financial Services Inc. since 2015. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, utilizing proprietary capital market assumptions and research to tailor plans based on clients’ goals and risk tolerances. The firm combines institutional trading capabilities with wealth management services, acting as a broker-dealer, investment adviser, and futures commission merchant.

Scott Gordon is a financial advisor at Cetera with 11 years of industry experience. He holds a Series 66 designation and has worked at Cetera, American River Wealth Management, Wells Fargo Clearing, and Morgan Stanley. He is also involved with American River Wealth Management, providing wealth management and planning services. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts, offering various portfolio management and financial planning services through a multi-manager platform.

Nihn Huang is a Wealth Management Advisor at Merrill Lynch Wealth Management, a role he has held since 2011. He holds the CERTIFIED FINANCIAL PLANNER® (CFP®) certification and the Personal Investment Advisor (PIA) designation. Nihn graduated from Indiana University with dual majors in Finance and International Business. Drawing on his international experience as an Investment Banker and Auditor, Nihn develops goals-based wealth strategies and custom-managed portfolios. He works with clients on a variety of financial objectives, including legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, socially responsible investing, individual and corporate investment strategy, tax minimization, and retirement income. In 2023, he was recognized on the Forbes "Top Next-Generation Wealth Advisors Best-in-State" list. Outside of his professional duties, Nihn is active in his community through involvement with the Alameda County Community Food Bank and Habitat for Humanity East Bay/Silicon Valley. He has coached youth basketball in the San Ramon Valley and volunteers at various local events linked to his children’s activities. His personal interests include chess, running marathons, spending time with his family, traveling, and pursuing the completion of the seven Abbott World Marathon Majors.

Justin Crocker is a financial advisor at Morgan Stanley in Walnut Creek, CA, with 24 years of industry experience. He holds a Series 66 license and has worked at Morgan Stanley since 2017, following an 18-year tenure at UBS Financial Services. 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 financial planning supported by firm-approved tools and modeling techniques, managing approximately $2.74 trillion in client assets.

Bhriyesh Zaver is a financial advisor with Charles Schwab holding a Series 66 designation and three years of industry experience. Prior to his current role, he worked at The Vanguard Group and has held various positions across different sectors. 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 and discretionary investment management using multi-asset model portfolios and maintains a large-scale, integrated structure supporting hundreds of thousands of clients.

Diva Helmy is a Series 66-licensed financial advisor with Morgan Stanley in Walnut Creek, CA, bringing six years of industry experience. Prior to her current role at Morgan Stanley Private Bank and Morgan Stanley Smith Barney, she worked at Tiny Techies, Beauty Brands, and the University of Bergen. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and delivers services through both individual and corporate financial planning agreements.

Daniel Dennehy is a financial advisor at UBS Financial Services with two years of industry experience. He holds the Series 66 designation and has worked previously at California Financial Advisors and Primos Pizzeria & Pub. Prior to his advisory career, he spent time at San Diego State University and in various other roles. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining proprietary research and model-based asset allocations to tailor financial plans. The firm integrates institutional trading capabilities with wealth management services, providing a broad range of financial solutions.

James Brandt is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and 38 years of industry experience. His prior roles include positions at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advisory services. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broad range of financial products, such as insurance-related vehicles and bank deposit sweep options.

Shampy Prakash is a financial advisor at Wells Fargo Clearing with 11 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Wells Fargo Clearing and Mass Mutual in various capacities since 2013. 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. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broad range of financial products, such as insurance-related vehicles and bank deposit sweep options.

Branden Howard is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and five years of industry experience. He has worked at Wells Fargo Clearing since 2020 and has been with Wells Fargo Bank, N.A. since 2010. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary advisory options. The firm’s process is IPS-driven and grounded in modern portfolio theory, incorporating a broad range of investment products including insurance-related vehicles and bank deposit sweep options.

Laura Pascoe is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 17 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2011 to 2016. Outside of her advisory role, she is an independent consultant for Usborne Books. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s IPS-driven advisory process includes investment policy statement preparation, investment recommendations, performance reporting, and participant education, with a broader investment menu including insurance-related vehicles and bank deposit sweep options.