Michael Cawthon is a financial advisor at Morgan Stanley with eight years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley since 2023, following prior roles at Bank of America, Merrill, Mass Mutual Investors Services, and Insight Wealth Strategies. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and services that include the use of scenario modeling and a structured discovery process.

Ned Milin is a financial advisor with Morgan Stanley in Orinda, CA, holding Series 63 and Series 66 licenses with 22 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory role, he serves as a football coach at De La Salle High School. 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 data-driven modeling techniques.

Arlen Menicucci is a financial advisor at LPL Financial with 14 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with several firms including U.S. Bancorp Advisors, U.S. Bank, and Union Bank. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory services, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Craig Bacharach is a financial advisor with Wells Fargo Advisors in Walnut Creek, CA, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. He has worked with Wells Fargo Advisors and Wells Fargo Clearing since 2009. Bacharach serves as a trustee for several family trusts. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser offering investment and financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services using proprietary research and tools, with flexible implementation options through brokerage or advisory programs.

Alexander Glasson is a financial advisor at J.P. Morgan Securities with a Series 66 credential and one year of industry experience. His prior background includes roles at Pioneer Venture Group and Techstars, as well as academic work at the University of Denver. 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 large team of Wealth Advisors. The firm combines institutional advisory operations with brokerage and investment management capabilities, delivering non-discretionary recommendations supported by an in-house manager solutions team and centralized due diligence.

Duncan Hong is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 14 years of industry experience. He has worked at Wells Fargo Advisors, LLC and Wells Fargo Clearing since 2014. Outside of his advisory role, he serves as a vote-by-mail extractor for the Contra Costa County Election Office and is a notary public in Napa, CA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans. The firm employs an IPS-driven advisory approach grounded in modern portfolio theory and offers a range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Yo Oh is a financial advisor at Merrill with a Series 66 credential and one year of industry experience. Yo has been associated with Merrill since 2019 and Bank of America since 2024. Outside of advising, Yo is involved with the Diablo Choral Artists and Trinity Lutheran Church, preparing and performing music, and owns an e-commerce drop shipping business as well as a vocal performance sole proprietorship. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, and institutional investors.

Stephen Nykamp is a CFP® with 15 years of industry experience currently with Fisher Investments since 2024. He previously worked at Empower Advisory Group and Personal Capital Advisors, where he spent a decade. Fisher Investments serves a global client base including institutional and high-net-worth individuals, offering discretionary portfolio management across equities, fixed income, and blended mandates. The firm uses a centralized investment approach incorporating quantitative and qualitative analysis and employs tax-aware and risk management strategies.

Bruce Meyers is a financial advisor with RBC Capital Markets in Walnut Creek, CA, holding Series 63 and Series 65 licenses and possessing 28 years of industry experience. He has worked with RBC Capital Markets since 2008 and with City National Bank since 2017. Outside of advising, he occasionally engages in freelance sports writing. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers multiple advisory programs with customizable investment strategies implemented through both in-house and third-party managers, supported by a range of portfolio management and financial planning services.

Michelle Pollak is a financial advisor with Ameriprise in Orinda, CA, holding a Series 66 designation and 24 years of industry experience. She has been with Ameriprise and its affiliated entities since 2005. Pollak serves on the Boards of Directors for the Sleepy Hollow Parents Club and Friends of Ruwenzori, dedicating several hours monthly to these community organizations. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations. The firm offers a broad range of advisory, brokerage, and insurance solutions through its institutional platform.

Teddy Ottens Seibert is a financial advisor with UBS Financial Services in Walnut Creek, CA, holding Series 63 and Series 65 credentials and bringing 23 years of industry experience. He has been with UBS since 2009. Outside of his advisory work, he is involved in vineyard maintenance and is a member of TwiningVine, a wine industry organization. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm integrates proprietary research and model-based asset allocations to tailor strategies to client goals and risk tolerances while offering institutional trading capabilities alongside wealth management.

Mark Kalinowski is a financial advisor at Fidelity with 12 years of industry experience. He holds the Series 66 designation and has been associated with various Fidelity entities since 2013. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm manages model portfolios composed of mutual funds, ETFs, and ETPs and serves as an advisor to multiple registered investment companies and fund-of-funds.

Raymond Lederer is a financial advisor with Merrill, holding Series 63 and Series 66 licenses and bringing 21 years of industry experience. He has worked at Merrill since 2008 and is also associated with Bank of America, N.A. since 2011. Outside of his advisory role, he teaches an Introduction to Business Survey course at Las Positas Community College. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Edward Harris is a financial advisor with LPL Financial in San Leandro, CA, holding a Series 66 designation and 14 years of industry experience. He has been with LPL Financial since 2016 and also serves as a private banker in wealth management at Fremont Bank since 2015. 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 financial planning and advisory programs, retirement consulting, and brokerage services with access to model portfolios, third-party subadvisors, and technology-driven investment approaches.

Gerald Guintu is a financial advisor at OSAIC with 25 years of industry experience. He holds the CFP® designation along with Series 63 and Series 66 licenses. Prior to joining OSAIC in 2023, he spent 14 years at Sagepoint Financial, Inc. Outside of his primary advisory role, he owns DR Yachts LLC, which involves marketing charter services and vessel maintenance. OSAIC serves a wide range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and advisory services alongside financial planning and retirement consulting. The firm employs a variety of investment tools and platforms to construct diversified portfolios tailored to client preferences.

Carlina Phan is a financial advisor with LPL Financial in Walnut Creek, CA, holding Series 63 and Series 66 credentials and six years of industry experience. Her prior roles include positions at Patelco Credit Union, CUSO Financial Services, and Wells Fargo. She is also involved with Patelco Financial Solutions, a DBA related to her LPL business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a diverse client base, including individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a broad range of advisory programs, financial planning services, and retirement consulting supported by model portfolios and research from multiple sources.

Martin Warner is a Senior Financial Advisor with Merrill Lynch Wealth Management. He specializes in personalized wealth management strategies, helping clients pursue goals such as college education planning, liquidity management, managing new wealth, retirement planning and income, portfolio management, and individual and corporate investment strategies. Martin holds a Bachelor's Degree from Saint Mary's College of California and is designated as a Personal Investment Advisor (PIA). He supports clients by developing financial strategies tailored to their long-term objectives. Additionally, Martin maintains a commitment to community involvement through volunteer work with local organizations, reflecting the Merrill tradition of community participation.

Kara Chan is a financial advisor at Fidelity with one year of industry experience. She holds a Series 66 designation and has prior work experience in the biotechnology sector with firms such as Slingshot Biosciences and Twist Bioscience. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, offering discretionary and non-discretionary portfolio management as well as fund advisory services. The firm combines proprietary fundamental research with quantitative and algorithmic portfolio construction, and supports model portfolios built from mutual funds, ETFs, and ETPs.

Cristania Gourdet is a financial advisor with Edward Jones in San Leandro, CA, holding a Series 66 designation and seven years of industry experience. She previously worked at US Bank from 2015 to 2019 before joining Edward Jones in 2019. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs and investment strategies through a nationwide network of over 23,700 financial advisors.

Frederick Ferber is a financial advisor with Morgan Stanley in Walnut Creek, CA, holding Series 63 and Series 65 credentials and bringing 24 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2009 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and tailored financial planning, managing approximately $2.74 trillion in client assets.