John Fraser is a financial advisor at Morgan Stanley with two years of industry experience. He holds the Series 66 designation and has previously worked in roles at SoftwareONE and Oracle Corporation. Morgan Stanley Wealth Management is a registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning supported by structured discovery conversations and firm-approved planning tools.

Richard Wald is a financial advisor at Merrill with 40 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Merrill since 1986, also affiliated with Bank of America since 2009. Outside of his advisory work, he is a co-manager of a for-profit LLC that owns residential rental property with his spouse. 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 individuals, high-net-worth clients, and institutional investors.

Timothy Hintzoglou is a CFP®-designated financial advisor with 28 years of industry experience. He is currently affiliated with Cetera Wealth Services, LLC and Cetera, where he has worked since 2025. His prior experience includes long-term roles at Avantax Insurance Agency, LLC and Avantax Investment Services, Inc. Outside of his advisory work, he serves on the board of the nonprofit ARM of Care, Inc. and is a trustee for Walnut Creek Presbyterian Church as well as the Ray Matthes 1997 Trust. Cetera Investment Advisers LLC is a nationwide SEC-registered firm offering portfolio management, financial planning, and retirement services to individuals, employer-sponsored plans, corporate, charitable, and institutional clients. The firm operates as a multi-manager platform providing access to a range of investment strategies and program structures with over 10,000 advisors and more than $256 billion in assets under management.

Jeffrey Bohn is a financial advisor with Edward Jones, holding Series 63 and Series 66 credentials and 21 years of industry experience. He has been with Edward Jones since 2005. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of discretionary and non-discretionary investment strategies, including separately managed accounts and affiliated mutual funds, operating under a fiduciary standard.

Marja Rusch is a financial advisor with Wells Fargo Clearing and holds a Series 66 designation. She has been with Wells Fargo Clearing Services, LLC since 2021 and Wells Fargo Bank, NA since 2006. Although she has no industry experience as an advisor, she has over 20 years with Wells Fargo in other capacities. Wells Fargo Advisors is a national securities firm providing investment advisory, financial planning, and retirement plan consulting services to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute.

Christine Mccomas is a financial advisor at Wells Fargo Clearing with 12 years of industry experience. She holds the Series 63 and Series 65 designations and has been with Wells Fargo since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, including pension and charitable organizations. The firm provides a broad range of advisory services and employs research and analytics based on diversification principles and modern portfolio theory.

Sally Jermain is a CFP® with 25 years of industry experience, currently affiliated with Cambridge Investment Research Advisors. She has held prior positions at LPL Financial and 1st Global Advisors Inc., and she maintains ownership of a Qigong and Medical Qigong business as well as a DJ services venture. Jermain is also involved in Fukumae & Saman LLC and Jaime T. Fukumae CPA. Cambridge Investment Research Advisors serves a broad mix of individual and institutional clients, including pension and charitable organizations, by providing financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm operates through thousands of financial professionals and manages a multi-billion dollar asset base across multiple platforms and custodians.

Peggy Hatch is a financial advisor at Fidelity with 18 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Fidelity Investments and its affiliated entities since 2013. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors, using a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is notable for its role as a commodity pool operator, advisory services to registered investment companies, and its use of AI and systematic methodologies in portfolio management.

Sarah Rush is a CFP® with 32 years of industry experience, currently serving as a financial advisor at Osaic since 2025. Her prior roles include positions at Lincoln Financial Advisors, Wells Fargo Clearing, and Merrill. In addition to her advisory work, she holds insurance agent licenses and offers life insurance, annuities, and long-term care insurance products. Osaic Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporate clients through a multi-advisor platform. The firm utilizes a model-based investment approach with various advisory programs and third-party manager options.

Brianna Visalli is a financial advisor at Raymond James Financial with Series 66 credentials and one year of industry experience. Before entering financial services, she had a professional athletic career, including playing in the National Women’s Soccer League and the Barclay’s Women’s Super League. She also worked in Stanford University’s Athletics Department for two years. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm emphasizes tailored, non-discretionary planning using analytical tools and supports its recommendations through various advisory programs and technology-driven solutions.

Masoud Rahimi is a Financial Consultant currently working at Fidelity Investments since 2024. He has previously held roles at Charles Schwab as a Financial Consultant from 2018 to 2024 and at Fidelity Investments as a Financial Representative from 2017 to 2018. His work focuses on understanding the unique needs of each client, including retirement planning, wealth building, and managing life transitions. He emphasizes transparency, integrity, and personalized guidance in his approach to helping clients achieve their financial goals. Masoud holds a California Insurance License. Outside of his professional work, he has interests in camping, fitness, golf, outdoor adventures, parenthood, and traveling.

Kulwinder Mann is a financial advisor at Merrill with 18 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Merrill since 2008 and Bank of America since 2016. 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.

David Marchetti is a Planning Consultant at Fidelity Investments, where he collaborates closely with clients and their families to clarify their financial situations and identify their priorities. He develops personalized financial plans in partnership with wealth management teams to support clients' financial goals. His experience at Fidelity Investments includes roles as a Financial Representative and Relationship Manager prior to his current position. David holds a California Insurance License. Outside of his professional career, David enjoys camping, attending concerts, fishing, exploring culinary experiences, watching football, and listening to music.

Jane Lang is a CFP® professional with five years of industry experience, currently serving as a financial advisor at Edelman Financial Engines. Her work history includes roles at Financial Engines Advisors L.L.C., Herrmann & Cooke, Inc., HC Financial Advisors, Inc., and the University of California, Los Angeles. Edelman Financial Engines offers technology-driven investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm uses a committee-driven modeling process combined with planner delivery and online tools, providing diversified portfolios with an emphasis on rebalancing and long-term investment strategies.

Timothy Cariolano is a financial advisor with Morgan Stanley in Pleasanton, CA, holding a Series 63 designation and 15 years of industry experience. He previously worked at Ameriprise Financial Services, Inc. for seven years before joining Morgan Stanley Smith Barney LLC in 2018. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a variety of advisory programs to individuals and institutional clients, including tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and models such as Monte Carlo simulations to support its financial planning process.

Grace Greening is a Wealth Management Advisor at Merrill Lynch Wealth Management and a member of the Greening-Messinger Group, a family practice dedicated to serving the complex needs of high-net-worth individuals and families. She began her career at Merrill in 2019 as a Financial Advisor Development Intern before transitioning into a full-time role in 2020. In her current role, Grace works closely with clients and their families to deliver personalized advice across investment management, financial planning, and strategies for preserving and transferring wealth across generations. Grace earned a Bachelor's Degree in Business Administration from the University of Oregon. She holds multiple professional designations, including Certified Financial Planner (CFP), Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Her expertise encompasses areas such as college education planning, divorce transition planning, managing new wealth, personal retirement planning, women and wealth, individual and corporate investment strategy, and retirement income. Outside of work, Grace leads an active lifestyle enjoying boating, cooking, hiking, soccer, spending time with family, and traveling. She appreciates cultural experiences and time spent outdoors, which contribute to her commitment to understanding clients' priorities and creating personalized financial strategies.

David Reppas is a financial advisor at UBS Financial Services with 39 years of industry experience. He has been with UBS since 2009 and holds Series 63 and Series 65 licenses. Outside of financial services, his spouse works in quality control for a restaurant franchise. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services. The firm combines institutional trading capabilities with wealth management, offering fee-based financial planning, portfolio management, and access to proprietary research and capital markets services.

Jessica Steffensen is a Series 66 licensed financial advisor with Cetera, bringing two years of industry experience. She has worked at Cetera and Avantax Advisory Services and has a background in tax and accounting, managing a tax services firm that provides tax preparation, planning, and bookkeeping. Steffensen also serves as the Chief Financial Officer for a local nonprofit community pool association. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services with a multi-manager platform that includes affiliated and third-party managers, covering diverse program structures and custodial relationships.

Alex Baldwin is a financial advisor with Morgan Stanley Wealth Management in Walnut Creek, CA, holding Series 63 and Series 66 licenses and bringing four years of industry experience. He has worked at Morgan Stanley and Fidelity Investments and is involved with the JV Bubby Baldwin Service and Conservation Foundation Corp, which focuses on education, environmental conservation, and community welfare. Morgan Stanley Wealth Management offers a wide range of advisory programs to individual and institutional clients, emphasizing structured financial planning and diverse investment solutions.

Alexander Gallup is a financial advisor at Merrill with a Series 66 credential and one year of industry experience. His prior work includes roles at Cosentus and Avitus Group, as well as experience in entertainment and production companies. 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, offering model-based and discretionary strategies for a range of clients including individuals, high-net-worth individuals, and institutions.