Chad Jorgensen is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 24 years of industry experience. He has worked at Wells Fargo Clearing since 2020 and previously spent eight years with Ameriprise Financial Services, Inc. in Richmond, CA. 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 advisory services. The firm’s approach 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.

Kevin Bacharach is a financial advisor at Wells Fargo Advisors with 16 years of industry experience. He holds a Series 66 designation and has worked within the Wells Fargo organization since 2010, including roles at Wells Fargo Clearing. He has partial ownership in BPGE Capital Management LLC, where he contributes a few hours monthly. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services and uses proprietary research and tools to develop tailored recommendations delivered through meetings and written summaries.

Owen Egermayer is a financial advisor at Charles Schwab & Co., Inc. with one year of industry experience. He previously worked at Equitable Advisors, LLC for two years. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering bundled advisory, brokerage, custody, and cash-sweep services with a mix of non-discretionary and discretionary investment options.

Adrienne Dobbs is a financial advisor with Morgan Stanley in Walnut Creek, CA, holding a Series 66 designation and bringing 11 years of industry experience. She has worked at Morgan Stanley since 2017 and previously at UBS from 2015 to 2017. Outside of her advisory role, Dobbs serves as a trustee or successor trustee for investment-related trusts in California. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, including customized financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that incorporates firm-approved tools and modeling techniques.

Jared Ines is a financial advisor at Morgan Stanley in Walnut Creek, CA, holding a Series 66 designation with two years of industry experience. He previously worked at Merrill for four years and Bank of America NA for eleven years. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs, including tailored financial planning that utilizes firm-approved tools and modeling techniques.

Sara Farner is a financial advisor with Morgan Stanley in Walnut Creek, CA, holding Series 63 and Series 65 licenses and having 25 years of industry experience. She has worked at Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. Prior to that, she was with Citigroup Global Markets starting in 2000. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools supported by its Global Investment Committee to model investment outcomes.

Ching Ho is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 19 years of industry experience. He has a background that includes roles at Morgan Stanley Private Bank and HSBC Bank USA. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages roughly $671 billion in assets and offers both brokerage and advisory solutions, leveraging research from Wells Fargo Investment Institute and third-party databases.

Gilbert Orozco is a Senior Financial Advisor with Merrill Lynch Wealth Management. Since joining Merrill in 2005, he has developed expertise in legacy planning, personal retirement planning, portfolio management services, and tax minimization. Gilbert’s approach involves working one-on-one with clients to create personalized financial strategies aligned with their long-term goals and adapting to changing market conditions. Gilbert holds a Bachelor of Science in Business Administration from Saint Mary's College of California and carries the Personal Investment Advisor (PIA) professional designation. He brings extensive knowledge of Merrill’s programs and services to his role, supported by over 18 years of experience focused on client service and relationship development. Gilbert resides in Concord with his wife and two daughters. Outside of work, he enjoys camping, cooking, gardening, and spending time with his family.

Maria Ricciardi Leonard is a financial advisor at Merrill with 32 years of industry experience. She has been with Merrill since 1994 and holds Series 63 and Series 66 licenses. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Daniel Tang is a financial advisor with Merrill in Walnut Creek, CA, holding a Series 66 designation and bringing 12 years of industry experience. He has been with Merrill and Bank of America since 2015. 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 strategies for a range of client types including individuals, high-net-worth clients, and institutions.

Luke Mc Kernan is a financial advisor at Morgan Stanley in Walnut Creek, CA. He holds a Series 66 designation and has recently started his advisory career in 2025. Prior to joining Morgan Stanley, he worked in various roles including at California Polytechnic State University San Luis Obispo and Ahmed's Moving Express, Inc. 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 and financial planning services that utilize firm-approved tools and models to support tailored client plans.

Wahab Shah is a financial advisor with J.P. Morgan Securities, holding Series 66 and Series 63 licenses and bringing 16 years of industry experience. His career includes roles at Citibank, Wells Fargo, and JPMorgan Chase Bank. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, employing a process that combines quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

Karen Dunphy is a financial advisor at Morgan Stanley with 25 years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley since 2015. The firm offers a wide range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by structured discovery conversations and firm-approved planning tools. Morgan Stanley Wealth Management manages approximately $2.74 trillion in client assets and delivers services that include both direct individual plans and Corporate Financial Planning agreements.

Tonu Viitas is a financial advisor with OSAIC and holds Series 63 and Series 65 designations, bringing 23 years of industry experience. He has worked at Sagepoint Financial, Inc. since 2009 and joined OSAIC in 2023. Outside of advisory work, he serves as the treasurer for the Estonian Society of San Francisco, a nonprofit organization supporting the Estonian community in the Bay Area. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charities through a large network of affiliated advisors and multiple advisory platforms. The firm offers comprehensive brokerage and investment advisory services, employing asset-allocation tools, risk-tolerance assessments, and automated rebalancing to manage portfolios that include a range of securities and alternative investments.

Barbara Jolliffe is a CFP®-certified financial advisor with 45 years of industry experience. She is currently affiliated with OSAIC and has held prior roles at Securities America Advisors, National Planning Corporation, and Royal Alliance Associates. Outside of her advisory work, she is involved in tax preparation and consulting through Jolliffe Enterprises. OSAIC serves a wide range of retail and institutional clients, including high-net-worth individuals, pension plans, corporations, and charities, offering integrated brokerage, advisory services, and access to third-party money managers. The firm employs a variety of asset-allocation tools and manages portfolios across multiple asset classes on both discretionary and non-discretionary bases.

Aaron Hudson is a Wealth Management Advisor with Merrill Lynch Wealth Management. He focuses on assisting corporate executives with strategies for concentrated stock positions, restricted stock transactions, and liquidity events. Aaron also works with non-profit organizations and families, offering tailored wealth management strategies that align with specific client objectives. Before joining Merrill Lynch Wealth Management in 2019, Aaron worked as a client service associate at Morgan Stanley. His professional approach emphasizes attentive and accessible service, aiming to build long-lasting client relationships through careful listening and understanding of each client's financial goals. His areas of focus include corporate executive services, divorce transition planning, executive compensation, equity compensation services, services for endowments, foundations, and non-profits, investment consulting for defined contribution plans, sports and entertainment, and tax minimization. Aaron earned a Bachelor's Degree from the University of California system and completed an Accredited Certificate Program from the American College of Financial Services. He has professional designations including Chartered Financial Consultant (ChFC), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Outside of work, Aaron enjoys baseball, basketball, boxing, football, golfing, music, photography, and spending time with his family.

Nicole Lai is a financial advisor at Morgan Stanley Wealth Management in Orinda, California, holding a Series 66 designation with 14 years of industry experience. She has worked at Morgan Stanley since 2016 and previously at UBS. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a variety of advisory programs to both individual and institutional clients. The firm provides tailored financial planning and manages approximately $2.74 trillion in client assets through structured planning processes and broad retail and institutional services.

Daniel Jew is a CFP® professional with 17 years of experience in financial advising. He has worked at Edward Jones since 2008. Jew holds Series 63 and Series 66 registrations. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of discretionary and non-discretionary investment strategies, including separately managed accounts and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and operates a nationwide network of financial advisors and branch offices.

Patrick Sinclair is a financial advisor at Stifel with 45 years of industry experience. He has been with Stifel Nicolaus & Co. Inc. since 2009. Sinclair holds the Series 63 and Series 65 designations and is based in Walnut Creek, California. Stifel serves a broad range of clients including individuals, institutional investors, charitable organizations, and municipal entities, offering brokerage and investment advisory services supported by proprietary investment analysis and allocation methodologies developed by its Investment Strategy Group.

Ron Silva is a CFP® with 31 years of experience in the financial industry. He has been with LPL Financial since 2013 and works out of Concord, CA. Silva operates Silva Financial Planning Services, a DBA for his LPL business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers various advisory programs, financial planning, and retirement plan consulting with access to model portfolios, research, and both discretionary and non-discretionary management.