Ying Juan Xie is a Certified Financial Planner (CFP®) with 10 years of industry experience, currently serving as a financial advisor at Morgan Stanley since 2021. Her prior roles include positions at LPL Financial, HSBC Securities USA, Bank of the West, and BancWest Investment Services. Outside of financial advising, she is involved as an employee at Lao Lao Acupuncture Clinic in Milpitas, California. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a wide range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-sponsored financial planning services.

Diego Andres Clavijo Arnez is a financial advisor at Ameriprise with a Series 66 designation and less than one year of industry experience. Prior to joining Ameriprise, he worked in various roles including positions at Grand Sierra Resort and Casino, Jackson's Hardware, and Banana Republic. Ameriprise provides retirement-income planning services primarily for individuals with significant investable assets, offering detailed recommendation reports on income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax efficiency analysis in its advisory approach and maintains a centralized team to deliver these services.

Ryan Minkin is a financial advisor at Merrill with a Series 66 designation and less than one year of industry experience. His prior work history includes roles at Bank of America, Golden 1 Credit Union, and various educational institutions. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Bobby Chung is a Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2018. Prior to this, he gained experience as a Senior Financial Consultant at TD Ameritrade from 2015 to 2018, and as a Financial Specialist at PNC from 2013 to 2015. Bobby works closely with clients to understand their financial goals and develops personalized strategies tailored to their unique needs. He holds a California Insurance License, which supports his ability to provide comprehensive financial and insurance guidance. Bobby emphasizes building lasting relationships with clients based on trust, integrity, and exceptional service, offering knowledgeable guidance and ongoing advice. Outside of his professional work, Bobby enjoys biking, participating in family activities, social events with friends, parenthood, and spending time with pets.

Thomas Fezler is a financial advisor at Ameriprise with 31 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Ameriprise since 2009. Outside of his advisory role, Fezler serves on the Board of Directors for Holy Spirit CYO and is involved with the Holy Spirit School Board’s Finance Committee. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning that focuses on dependable income sources and tax-aware withdrawal strategies. The firm’s retirement income service uses research and algorithmic tools to provide tailored recommendations within a defined investment universe.

Nathaniel Hurst is a financial advisor with Ameriprise in Walnut Creek, CA, holding a Series 66 designation and 19 years of industry experience. He has been with Ameriprise and its affiliated entity since 2014. Ameriprise offers retirement-income planning services primarily for individuals with significant investable assets, delivering tailored, research-driven recommendations that incorporate tax efficiency and Social Security strategies. The firm combines algorithmic tools with advisory oversight to produce non-discretionary retirement plans, focusing on clients who maintain assets within Ameriprise-managed accounts.

Micah Johnson is a financial advisor with LPL Financial in Danville, CA, holding a Series 66 designation and three years of industry experience. Prior to joining LPL Financial, he worked at Empire Pavers and Empire Medical. Outside of his advisory role, he has involvement in a for-profit reseller business. 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 provides financial planning, various advisory programs, retirement plan consulting, and brokerage services with discretionary and non-discretionary management options supported by research and model portfolios.

Stephen Lee is a financial advisor with Cetera, holding a Series 66 designation and four years of industry experience. He is currently the owner of Redwood Wealth, a financial services firm. Stephen's background includes roles at the New York City Department of Small Business Services and Ian Lee. Cetera Investment Advisers LLC is an SEC-registered advisor serving individuals, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of independent advisors. The firm offers portfolio management, financial planning, and access to third-party managers across multiple program structures and custodial relationships.

Jennifer Delgadillo is a financial advisor with Wells Fargo Clearing in Walnut Creek, CA, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. She has worked at Wells Fargo Advisors LLC from 2009 to 2016 before joining Wells Fargo Clearing, where she has been since 2016. Wells Fargo Clearing provides retirement plan consulting services 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 and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Clement Richardson is a financial advisor with OSAIC, holding a Series 66 designation and bringing 25 years of industry experience. He has worked at OSAIC since 2023 and previously spent three years with FSC Securities Corporation and over 20 years with Umpqua Investments, Inc. Richardson is the principal of Richardson eWealth Strategies Inc., where he provides leadership and strategic direction. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations through a large network of affiliated advisers and multiple advisory platforms. The firm offers a range of brokerage and investment advisory services utilizing asset-allocation tools, risk-tolerance questionnaires, and third-party money managers to construct portfolios that may include stocks, bonds, options, mutual funds, ETFs, and alternative investments.

Michael Spiering is a financial advisor with Morgan Stanley in Walnut Creek, CA, holding Series 63 and Series 65 credentials and bringing 34 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and has been associated with Morgan Stanley Smith Barney and Citigroup Global Markets since the mid-2000s. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm provides tailored financial planning and a broad range of advisory programs supported by structured planning tools and risk modeling techniques.

Michael Robarts is a financial advisor with Morgan Stanley in Oakland, CA, holding a Series 63 license and bringing 33 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2015 and at Morgan Stanley Smith Barney LLC since 2009. Outside of his advisory role, he is involved in commercial real estate as a sole proprietor and tenant in common owner in the San Francisco Bay Area. Morgan Stanley Wealth Management serves both individual and institutional clients by providing comprehensive financial planning and investment advisory services. The firm uses structured planning tools and investment insights from its Global Investment Committee to guide clients in developing tailored financial plans.

Odunayo Ogunbameru is a financial advisor at Merrill with four years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at U.S. Bancorp Investments, Inc., U.S. Bank, and Guaranty Trust Bank PLC. He is based in Pittsburg, CA. Merrill provides managed account services through the Select Portfolio Solutions program to a broad client base that includes individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries. The firm integrates investment strategies from its Chief Investment Office with third-party managers and offers access to a wide range of financial products through its affiliation with Bank of America.

Thomas Kelly is a CFP® and ChFC® with 34 years of industry experience. He is currently with Raymond James Financial Services Advisors, having joined in 2026, and previously worked at Edward Jones and Pacific Life. Outside of his advisory work, he is involved as a musician in a band. Raymond James Financial Services Advisors provides financial planning and investment consulting to individual and high-net-worth investors, pension plans, charitable organizations, and government entities. The firm offers tailored advisory services and specialized programs for small businesses, supported by a broad affiliate network including municipal and public finance capabilities.

Michael Oster is the Senior Resident Director and Wealth Management Advisor at Merrill Lynch in Oakland, where he has worked since 1993. He serves as the Resident Director of the Oakland office since May 2015. Michael focuses on serving high-net-worth individuals and families, as well as non-profit organizations, by providing personalized financial strategies tailored to their goals. He offers clients access to investment insights from Merrill Lynch and banking services from Bank of America, addressing areas such as asset allocation, education funding, retirement income planning, tax strategies, and estate planning. Michael is a qualified Portfolio Manager who manages personalized and defined investment strategies, which may include stocks, bonds, model portfolios, and third-party strategies incorporating equities, fixed income, alternative investments, and ETFs. He holds certifications including CERTIFIED FINANCIAL PLANNER (CFP®), Chartered Financial Consultant (ChFC®), and registrations such as Series 7, 63, and 65. He earned both a Bachelor's Degree and a Master's Degree in Finance from the California State University system. Living in Oakland with his family, Michael volunteers with the Boys & Girls Clubs of Oakland. His personal interests include golfing, reading, running, swimming, and traveling.

Leila Esmaili Zamora is a financial advisor at Morgan Stanley with one year of industry experience. She holds a Series 66 designation and has worked in various roles including positions at Morgan Stanley Private Bank, LinkedIn, and several consulting and community organizations. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutions, combining tailored financial planning with access to extensive investment resources and research.

Cameron Kossen is a financial advisor at Ameriprise with 23 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Kossen serves on the Board of Directors for the University of Oregon Alumni Association in Northern California and acts as a Senior Advisor to the Board at the University of Oregon. He is also involved as an Education Coordinator with Business Network International in Walnut Creek, CA. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement who meet specific asset criteria. The firm offers a range of advisory, brokerage, and insurance solutions through affiliated entities and uses a centralized consulting team to deliver non-discretionary, research-driven retirement income recommendations.

Albert Demartini III is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and two years of industry experience. His prior roles include positions at Allspring Global Investments and Wells Fargo Asset Management. 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 grounded in modern portfolio theory. The firm’s services include investment policy statement preparation, performance reporting, participant education, and plan benchmarking, with a notable emphasis on including insurance-related products and bank deposit sweep options in its investment menus.

Dan Truong is a Planning Consultant at Fidelity Investments, a role he has held since 2025. He previously worked as a Financial Solutions Advisor at Merrill Lynch Bank of America from 2015 to 2025. Dan holds a California Insurance License. Dan's professional philosophy centers on education and financial planning, emphasizing the importance of a sound financial plan to help clients navigate uncertainties and pursue their financial goals. His approach involves active listening and empathy to ensure that strategies reflect clients' lives and aspirations. He is committed to providing proactive and personalized guidance that anticipates clients' needs and adapts to their evolving circumstances. Outside of his professional work, Dan engages in activities such as biking, cars, family activities, social events with friends, hiking, and photography.

Paul Noceti is a Series 66-licensed financial advisor with Morgan Stanley in Walnut Creek, CA, with 14 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and has been affiliated with Morgan Stanley Smith Barney since 2011. Outside of his advisory role, Noceti is involved as an independent contractor in contract engineering services. Morgan Stanley Wealth Management offers a range of advisory programs to individual 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 employs a structured financial planning process supported by firm‑approved tools and modeling techniques.