John Mccarthy is a financial advisor at Stifel with 35 years of industry experience. He has been with Stifel Nicolaus & Co. Inc. since 2011. His credentials include the Series 63 and Series 65 licenses. Stifel serves a broad range of clients, including individuals, institutional clients, charitable organizations, and municipal entities, offering brokerage and investment advisory services. The firm’s investment approach is based on proprietary forward-looking capital market assumptions and probabilistic modeling developed by its Investment Strategy Group.

Stephen Besse is a CFP® with 32 years of industry experience, currently serving as a financial advisor at Raymond James & Associates since 2014. He is located in Walnut Creek, CA, and holds Series 63 and Series 65 licenses. Outside of his advisory role, he is a part-owner of a family cabin held in an LLC for tax and liability purposes. Raymond James & Associates is a large 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 and investment consulting with a generally non-discretionary approach.

Sumit Mahay is a financial advisor at Morgan Stanley with 22 years of industry experience. He holds Series 63 and Series 65 designations and has worked at firms including Ameriprise Financial Services and E*TRADE Capital Management. His background also includes experience with various businesses outside finance. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves both individual and institutional clients. The firm offers comprehensive financial planning and a range of advisory programs supported by structured planning tools and research from its Global Investment Committee.

Colleen Cusick is a Wealth Management Advisor at Merrill Lynch Wealth Management. She has over 30 years of experience with Merrill Lynch, preceded by work at a large public accounting firm. Colleen specializes in building long-lasting client relationships and developing customized wealth management strategies tailored to individual client needs. Her approach includes estate planning services, retirement income planning, wealth transfer strategies, college education planning, and tax-efficient estate planning. Colleen holds the Certified Investment Management Analyst® (CIMA®) and Chartered Retirement Planning Counselor™ (CRPC™) designations. She earned a bachelor's degree from Miami University and a master's in business administration from Ohio State University. As a Portfolio Manager, she manages personalized investment strategies on a discretionary basis, focusing on disciplined investment processes, investment manager selection, and asset allocation review. Outside of her professional role, Colleen and her husband enjoy outdoor activities such as jogging, gardening, hiking, skiing, and traveling to exotic destinations.

Nicolette Frandsen is a CFP® with nine years of industry experience, currently serving at Wells Fargo Clearing since 2016. She has been with Wells Fargo & Co. since 2008. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary solutions. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Mitchell Sauberman is a financial advisor with Morgan Stanley in Walnut Creek, CA, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2009 and Morgan Stanley Private Bank, N.A. since 2015. Outside of his advisory role, he serves as a trustee for a trust based in Pleasanton, California. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial and estate planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and models developed by its Global Investment Committee.

Laurelle Daniels is a financial advisor at UBS Financial Services with 18 years of industry experience. She holds the Series 66 designation and has been with UBS since 2012. Outside of her advisory role, she is a consultant for Rodan and Fields, specializing in skincare products. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory offerings, including financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client plans.

Courtney Chynces is a financial advisor at Cambridge Investment Research Advisors with 18 years of industry experience. She holds a Series 66 designation and has worked previously at Jackson National Life Distributors and United Planners Financial Services. Chynces serves as a board member for Oakridge Village HOA and is involved with Proxy Freedom. Cambridge Investment Research Advisors is a large SEC-registered firm that serves a diverse client base including individual investors, pension plans, charitable organizations, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals, utilizing a range of portfolio management strategies across multiple custody platforms.

Allen Leung is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 20 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, he is involved in managing a rental property jointly owned with his spouse. 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 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.

Richard Disho is a financial advisor at Edward Jones with seven years of industry experience. He holds the Series 66 designation and has worked at Edward Jones since 2018, following prior roles at Steiner Group and OMNI Global. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, supported by a nationwide network of approximately 23,701 advisors and over $1 trillion in assets under management.

Nate Linford is Vice President and Financial Consultant at Fidelity Investments. He has been with Fidelity since 2020, progressing through roles including Investment Consultant and Financial Consultant before his current position beginning in 2025. Prior to joining Fidelity, Nate worked as a Financial Solutions Advisor and Financial Advisor at Merrill and Merrill Lynch from 2017 to 2020. In his role, Nate focuses on understanding each client's unique circumstances, goals, and preferences to develop comprehensive financial plans. His approach leverages Fidelity's brand, technology, and investment strategies to support investors across different life stages. He holds a California Insurance License. Outside of his professional work, Nate's personal interests include biking, golf, parenthood, skiing, snowboarding, and surfing.

Marit Bailey is a financial advisor at Morgan Stanley with five years of industry experience. She holds a Series 66 designation and has prior work history at First Republic Securities Company and VII Peaks Capital. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range 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 planning process supported by proprietary tools and market simulations.

Matthew Corrado is a financial advisor with UBS Financial Services in Walnut Creek, CA, holding a Series 63 designation and 38 years of industry experience. He has been with UBS since 1989. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and offers proprietary research, custody, underwriting, and capital markets solutions.

Daniel Grover is a Certified Financial Planner® with 30 years of industry experience, currently serving at UBS Financial Services since 2021. His prior roles include positions at First Republic Investment Management and Wingspan Insurance Group. He is a member of the board of directors for Lafayette Partners in Education, a nonprofit supporting local public schools. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory services, combining institutional trading capabilities with wealth management offerings to tailor plans based on proprietary research and model-based asset allocations.

Judith Feuer is a CFP® professional with six years of industry experience, currently serving as a financial advisor at Edward Jones since 2020. Prior to joining Edward Jones, she worked at Robert Half International from 2015 to 2020. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages over $1 trillion in assets and offers a variety of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

John Rohan is a CFP® with 40 years of industry experience, currently serving at Wells Fargo Clearing since 2016. He previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven approach incorporates modern portfolio theory and includes insurance-related investment options alongside traditional products.

Eliza Nuffer is a financial advisor with UBS Financial Services, holding a Series 66 designation and four years of industry experience. She has worked at UBS since 2023 and previously spent time at Infinity Financial Services and Golden Gate University. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor client strategies.

Clinton Greene is a financial advisor at UBS Financial Services with 23 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Merrill for 10 years before joining UBS in 2023. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and advisory services, including financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management and provides proprietary research and capital markets services.

Kevin Phillips is a Series 66-licensed financial advisor with Morgan Stanley in Walnut Creek, CA, bringing 13 years of industry experience. He has worked with Morgan Stanley since 2013 and has been part of Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and uses firm-approved planning tools and investment models as part of its financial planning process.

Colin Le Coque is a financial advisor at Morgan Stanley in Walnut Creek, CA, holding a Series 66 designation with one year of industry experience. Prior to joining Morgan Stanley, he worked at Blue Ocean Capital and was involved with Friday Night Lights Youth Flag Football. He also has a background that includes education and community-related roles. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a range of advisory programs to individuals and institutional clients. The firm provides tailored financial planning supported by structured discovery processes and modeling tools, managing approximately $2.74 trillion in client assets.