Robert Emmer is a CFP® with 48 years of industry experience, currently affiliated with Raymond James Financial Services Advisors, Inc. He has worked with several firms, including Associated Planners Investment Advisory Inc., Linsco Private Ledger (LPL), and Geneos Wealth Management Inc. Emmer also provided financial advisory services as an independent contractor for Silversage Advisors. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm employs tailored, non-discretionary planning and analytical tools to help clients achieve their financial goals and supports municipal and public finance work through a unique municipal advisor affiliation.

Charles Carter is a financial advisor at Osaic Wealth with 30 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Securities America, Inc. and EPlanning Advisors Inc. Since 1995, he has also operated a sole proprietorship offering insurance products including term life insurance and fixed annuities. OSAIC Wealth serves a diverse client base including retail and institutional investors, retirement plan sponsors, charities, and corporate clients. The firm provides brokerage and advisory services through a multi-advisor platform with a focus on model-based asset allocation, portfolio optimization, and a variety of managed account programs.

John Israel is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2020. He has been in the financial services industry since 1999, working with clients and families to support their financial goals. His professional focus is on wealth planning and providing tailored strategies for a variety of investor styles. Before his current role, John worked as a Relationship Manager at Fidelity Investments from 2015 to 2019. Prior to that, he served as a Brokerage Consultant at Wells Fargo Advisors between 2011 and 2015. His earlier career includes roles at Crédit Agricole as an Internal Auditor Manager from 2007 to 2011 and as a Capital Market Operation Supervisor from 2005 to 2007, as well as an Associate in Capital Market Operations at American Express from 1999 to 2005. John holds a California Insurance License.

Yun Messina is a financial advisor at J.P. Morgan Securities with one year of industry experience. They hold Series 63 and Series 65 licenses and have prior experience at Rockefeller Financial and Sierra Pacific Financial. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager selection, and customized performance reporting. The firm’s advisory process integrates quantitative and qualitative research with forward-looking capital market assumptions to develop model asset allocations.

Andrew Ross is a financial advisor with Wells Fargo Advisors in Walnut Creek, CA, holding Series 63 and Series 65 licenses and 29 years of industry experience. He has worked within various Wells Fargo entities since 2003, most recently joining Wells Fargo Advisors in 2023. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that provides investment and financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services and integrates advisory offerings with other financial products through a network of advisors.

Michael Rothschild is a financial advisor at Ameriprise with 23 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Ameriprise since 2018, following roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Outside of his advisory work, he serves on the Board of Directors and as Treasurer for SRVLL. Ameriprise provides a retirement-income planning service tailored to individuals approaching or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency analysis to deliver personalized recommendation reports. The firm offers a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Brian Krebs is a financial advisor at J.P. Morgan Securities with 17 years of industry experience. He holds a Series 66 designation and has been with J.P. Morgan Securities since 2012. Prior to that, he was involved with Posh Mommy and The Pitching Center. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, offering written asset allocation advice, investment manager searches, and customized performance reporting within a non-discretionary advisory framework.

Adam Koch is a financial advisor with Wells Fargo Clearing in Walnut Creek, CA, holding a Series 66 designation and 16 years of industry experience. Prior to joining Wells Fargo in 2019, he worked at Ameriprise Financial Services, Inc. from 2015 to 2019. He serves as an instructor for the Passport to Retirement program. 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 IPS-driven approach incorporates modern portfolio theory and includes a broader range of financial products, such as insurance-related vehicles and bank deposit sweep options.

Khalid Bashir is a financial advisor at Wells Fargo Clearing with nine years of industry experience. He holds the Series 63 and Series 66 designations and has been with Wells Fargo Clearing Services LLC and Wells Fargo Bank NA since 2016. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Mark Lobdell is a financial professional with 47 years of industry experience, currently affiliated with Cetera in Walnut Creek, CA. He holds Series 63 and Series 65 designations and has worked with Cetera and its affiliates since 2008. Lobdell also operates Lobdell & Lane Wealth Management, a financial services business. Cetera Investment Advisers LLC is an SEC-registered advisor serving a wide range of clients, including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers diversified portfolio management and financial planning services through a multi-manager platform that includes both affiliated and third-party investment options.

Hannah Young is a financial advisor at Charles Schwab with five years of industry experience. She holds a Series 66 designation and has worked at Charles Schwab & Co., Charles Schwab Bank, TD Ameritrade, Vector Marketing, and Impact Martial Arts. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment management, using multi-asset model portfolios and a centralized operational structure.

Katherine Egan is a financial advisor with Raymond James & Associates in Walnut Creek, CA. She holds a Series 66 designation and has one year of industry experience. Prior to joining Raymond James, she worked at Finley Technologies and Receipt Bank. Egan serves as secretary and board member of Grateful Gatherings, a nonprofit that assists families in the San Francisco Bay Area with housing and transitioning out of homelessness. 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 public entities, offering financial planning, non-discretionary investment consulting, and specialized municipal advisory services.

Distefano Palma is a financial advisor with Merrill in Walnut Creek, CA. He holds a Series 66 designation and has been in the industry since 2026. His prior experience includes roles at Equitable Advisors, Supreme, and The North Face. 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 investment strategies for a range of individual and institutional clients.

Dennis Sechrest is a Wealth Management Advisor with Merrill Lynch Wealth Management. He holds multiple designations including Certified Private Wealth Advisor® (CPWA®), Certified Exit Planning Advisor (CEPA), Certified Plan Fiduciary Advisor (CPFA®), Merrill Retirement Benefits Consultant (RBC), and Sports and Entertainment Accredited Wealth Management Advisor™ (SE-AWMA™). He is also qualified as a Senior Portfolio Manager capable of managing discretionary investment strategies. Dennis graduated from the University of California, Berkeley, in 1976 with a B.S. in Civil Engineering. He attended the Stanford Executive Program at the Graduate School of Business at Stanford University in 1998, where he was elected President of his class. His professional experience spans portfolio management, corporate benefits, family wealth management strategies, personal retirement planning, and services for defined benefit and contribution plans. He is active in community and professional organizations, including serving on the board of the All Wars Memorial Foundation and participating as a member of the Contra Costa County Sheriff’s Posse, Alameda County Honorary Deputy Sheriffs, the United States Secret Service San Francisco Cyber Fraud Task Force steering committee, and the University of California Rugby Advisory Board. Dennis resides in Alamo, California.

Andrew Jison is a Senior Financial Advisor at Merrill Lynch Wealth Management in Walnut Creek, CA. He focuses on personalized wealth management strategies that align with clients' evolving financial needs and goals. His professional expertise includes corporate benefits, employee benefits planning, legacy planning, liquidity management, managing new wealth, portfolio management services, and working with clients in the sports and entertainment industries. Andrew holds a Bachelor's Degree from Saint Mary's College of California and has obtained the Personal Investment Advisor (PIA) designation. He is a member of the Diablo View Rotary Club and is actively involved in community service. Fluent in English and Spanish, he applies his team's investment philosophy centered on effective risk management, capital growth, preservation, and multiplication to support high-net-worth individuals, families, and businesses. Outside of his professional role, Andrew enjoys basketball, music, spending time with his family, and watching movies. He values the importance of family and generational wealth, influenced by his connections to the Filipino community and his educational experiences that underscore hard work and service.

Grace Nash is a financial advisor at Morgan Stanley with 18 years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley Private Bank, N.A. since 2020 and Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, specializing in tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-sponsored financial planning services.

Catharine Dombrowski is a financial advisor with Cetera, holding the PFS™ and Series 66 credentials and over 20 years of industry experience. She is also the managing partner of Dombrowski & Associates CPAs LLP, a CPA firm, and owns Lone Tree Funding & Mortgage, a mortgage brokerage. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a range of portfolio management and financial planning services delivered through a nationwide network of independent advisors.

Phillip Jerome is a financial advisor with Charles Schwab in Oakland, CA, holding Series 63 and Series 66 designations and 30 years of industry experience. He has been with Charles Schwab since 2006. Charles Schwab & Co., Inc. 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. The firm combines non-discretionary client relationship models with access to discretionary separately managed accounts and employs multi-asset model portfolios supported by in-house research.

Jennifer Napper is a CFP® professional with 18 years of industry experience. She has worked at Raymond James & Associates since 2018 and previously held positions at Mass Mutual Investors Services, MassMutual Life Insurance Co, and Metlife Securities Inc. Raymond James & Associates, Inc. is a large, dually registered 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, investment consulting, and specialized municipal advisory services.

Nityesh Arumugam is a financial advisor with Mass Mutual Investors Services in Pleasant Hill, CA, holding a Series 66 designation and one year of industry experience. His prior roles include positions at MML Investors Services, MassMutual Life Insurance Co, and Lenox Advisors. He is also active as an insurance broker, focusing on life, disability, long-term care, fixed annuities, and health insurance. MassMutual Investors Services, LLC operates as a broker-dealer and SEC-registered investment adviser that offers financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides structured, collaborative financial planning engagements supported by firm-approved software and offers specialized planning services including divorce and estate-settlement planning.