Sarah Vancoops Bush is a financial advisor at Wells Fargo Clearing with 13 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Wells Fargo in various capacities since 2001, including roles at Wells Fargo Advisors and Wells Fargo Bank NA. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. Its advisory process is IPS-driven and grounded in modern portfolio theory, with a broader set of financial product offerings than is typical for large institutional advisers.

Samantha Dozier is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and one year of industry experience. Her prior work includes roles at Wells Fargo Bank, N.A. and Benchmark Mortgage. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and based on modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Jean Quinlan Riggi is a financial advisor with Morgan Stanley Wealth Management in Walnut Creek, CA, holding Series 63 and Series 66 licenses and 19 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individuals and institutional clients with a variety of advisory programs, including customized financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools such as Monte Carlo simulations in its financial planning process.

Helen Draper is a financial advisor at OSAIC with eight years of industry experience. She holds a Series 66 designation and has previously worked at Woodbury Financial Services Inc. and Stark Miller Financial Benefits Group. Outside of her advisory role, Draper serves as a Client Services Manager at BAMCOFINACNCIAL AND INSURANCE SERVICES INC and works as a bookkeeper in a sole proprietorship. OSAIC serves a wide range of retail and institutional clients through an extensive network of affiliated advisors and advisory platforms, offering integrated brokerage, investment advisory, financial planning, and retirement consulting services. The firm employs asset-allocation tools and third-party solutions to manage diversified portfolios across multiple investment types on discretionary or non-discretionary bases.

Alfred Steingraf is a financial advisor at Edward Jones with nine years of industry experience. He holds a Series 66 designation and has been with Edward Jones since 2017. Prior to that, he worked briefly at Campaign Monitor in 2016. 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 solutions supported by a large nationwide network of financial advisors and branch offices.

Carla Koren is a financial advisor with Morgan Stanley in Oakland, CA, holding Series 63 and Series 65 credentials and bringing 40 years of industry experience. She has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, following a tenure at Citigroup Global Markets starting in 1997. Koren serves on the finance and investment committees of Girls Inc of Alameda County and Temple Sinai. Morgan Stanley Wealth Management provides advisory programs to individuals and institutions, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm uses structured planning processes and firm-approved tools but generally acts in an advisory capacity without individual security recommendations in standalone plans.

Muhammad Afzal is a financial advisor with Wells Fargo Clearing in Walnut Creek, CA, holding Series 63 and Series 66 designations and four years of industry experience. His prior roles include positions at Bank of America, Merrill, and J.P. Morgan Securities LLC. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, 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 supported by research from Wells Fargo Investment Institute and third-party sources.

Neelofar Hossaini is a financial advisor with Wells Fargo Clearing in Danville, CA, holding a Series 63 designation and eight years of industry experience. She has held various roles within Wells Fargo entities since 2014. Outside of her advisory work, she is an authorized signer for a local hair salon’s business accounts in case of emergencies. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related investment options and bank deposit sweep programs.

John Lacour is a Series 66-licensed financial advisor with Morgan Stanley in Walnut Creek, CA, bringing 20 years of industry experience. He has been with Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a variety of advisory programs for both individual and institutional clients, including tailored financial planning services supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers comprehensive planning but does not provide individual security recommendations through its standalone financial planning program.

Steven Kay is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 43 years of industry experience. He has been with Cetera Wealth Services since 2013 and joined Cetera in 2023. Outside of advisory work, he is involved in fixed life and health insurance through a separate business. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals across wealth levels, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and consulting services, utilizing a multi-manager platform that includes affiliated and third-party managers, with over $256 billion in assets under management and more than 10,000 advisors nationwide.

Naomi Evans Jalloh is a financial advisor with Merrill in Oakland, CA, holding Series 63 and Series 66 credentials and 15 years of industry experience. She has worked at Merrill and Bank of America since 2017, with prior experience at Deyoe Wealth Management, Inc. and LPL Financial. Outside of her advisory role, she is a general partner and managing member of Black Sheep Acquisitions, a for-profit entity involved in real estate. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Haden Licon is a Financial Consultant at Fidelity Investments, a position he has held since 2025. He joined Fidelity Investments in 2023 and has also served as an Investment Consultant and Financial Representative within the company. Prior to his roles at Fidelity, Haden worked as a Relationship Manager at Bank of America from 2022 to 2023 and as a Member Service Specialist at Unify Financial Credit Union in 2022. Haden is licensed with a California Insurance License, enabling him to serve clients with their insurance needs in addition to his financial advisory services. He is dedicated to helping clients develop and implement financial plans that provide security and allow them to focus on other priorities. Haden values being reachable and responsive, facilitating well-informed decision-making. Outside of his professional work, Haden enjoys boating, comedy, fitness, football, golf, and traveling.

Edward Comar is a financial advisor with Ameriprise in Pleasant Hill, CA, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he is involved with an LLC that facilitates employee expenses and retirement plan options. Ameriprise provides retirement-income planning services targeting individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations, supported by a centralized consulting team and an algorithm-driven approach.

Nicholas Economos is a Wealth Management Advisor at Merrill Lynch Wealth Management. He has over 20 years of experience providing financial advice and portfolio management services to high net-worth individuals, businesses, endowments, and foundations. Nick manages his own personalized and defined investment strategies on a discretionary basis, which may include individual stocks and bonds, Merrill Lynch model portfolios, and third-party investment strategies. He focuses on areas such as divorce transition planning, family wealth management strategies, personal retirement planning, individual and corporate investment strategy, tax minimization, and serving women and wealth. Nick graduated cum laude from California Polytechnic State University with a bachelor's degree in Business, concentrating in Finance, while playing varsity soccer. He 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). He has been named to Forbes' "Best-in-State Wealth Advisors" list annually from 2018 through 2024. His team has been trained by the Ritz Carlton leadership group to provide attentive and high-quality client service. Outside of his professional work, Nick is a four-time Ironman triathlete and enjoys basketball, biking, golfing, running, soccer, and swimming. He lives in Alamo, California with his wife Melissa and their three children. He is involved with organizations such as Compassion International, New Life Church, Build a Bike, Invest in Hope (Helping our Patriots everywhere), and Monte Vista High School.

Ali Kazemi is a financial advisor with Cetera, holding Series 63 and 65 credentials and bringing 37 years of industry experience. He has worked with firms including Avantax and LPL Financial and serves as owner of Sentinel Financial Group, offering financial planning, investment planning, retirement planning, and tax planning services. Outside of his advisory work, Kazemi is also an associate for In-Home Supportive Services, providing assistance to eligible individuals to support in-home care. Cetera Investment Advisers LLC is an SEC-registered adviser serving a wide range of clients, including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers diverse portfolio management and consulting services through a large network of independent advisors and employs a multi-manager platform that includes affiliated and third-party model portfolios with various program and custodial structures.

Min Deng is a CFP® with 19 years of industry experience, currently serving as a financial advisor at Charles Schwab in San Ramon, CA. She has been with Charles Schwab and Charles Schwab Bank since 2013. Outside of her advisory role, she is connected to a retail business partnership involved in the application for an Offsale Beer and Wine Retail license in Richmond, CA. Charles Schwab 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 combines a scale-driven, integrated structure with both non-discretionary and discretionary investment management options.

Ryan Leonard is a financial advisor at J.P. Morgan Securities with three years of industry experience. He holds Series 66 and Series 63 licenses. Prior to joining J.P. Morgan, Leonard worked in the automotive sales industry with positions at Ocean Honda of Burlingame, Mercedes Benz of San Francisco, and Anderson Honda. J.P. Morgan Securities primarily provides investment consulting and advisory services to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Robert Schneider is a CFP® professional with 29 years of experience in the financial services industry. He has been with UBS Financial Services since 2008. UBS Financial Services Inc. 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, supported by proprietary research and broad capital markets activities.

Jonathan Lew is a financial advisor with Morgan Stanley in Oakland, CA, holding a Series 66 license and seven years of industry experience. Before joining Morgan Stanley in 2019, he worked at Pacific Gas & Electric for three years. Outside of his advisory role, he is involved in managing a rental property. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs and tailored financial planning. The firm uses structured planning tools and proprietary investment models, managing approximately $2.74 trillion in client assets.

Matthew Guillaume is a financial advisor with Wells Fargo Advisors in Orinda, CA. He holds a Series 66 designation and has been in the industry since 2023, with prior experience at JPMorgan Chase & Co and First Republic Bank. Wells Fargo Advisors Financial Network provides investment and financial planning services to individuals, trusts, and institutional clients through a broad range of specialized planning options. The firm integrates advisory services with various financial products and offers recommendations supported by proprietary research and planning tools.