Matthew Ware is a financial advisor with Morgan Stanley in Walnut Creek, CA, holding Series 63 and Series 65 designations and possessing 22 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2009. Outside of his advisory role, he manages rental property in Antioch, California. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm employs structured planning tools and broad investment capabilities, managing approximately $2.74 trillion in client assets.

Kenneth Chan is a financial advisor with Wells Fargo Clearing in Walnut Creek, CA, holding Series 63 and Series 65 credentials and bringing 42 years of industry experience. He has been with Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. Chan manages a Roth IRA entity created for tax reporting and valuation related to private investment purchases. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering investment policy preparation, performance reporting, and participant education. The firm’s advisory process is IPS-driven and incorporates a range of financial products, including insurance-related vehicles and bank deposit sweep options.

Pamela Regatuso is a financial advisor at Fidelity with 10 years of industry experience. She holds Series 66 and Series 63 credentials and previously operated her own fiduciary advisory firm for 11 years before joining Fidelity. She has worked at Fidelity Investments since 2022. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios and oversees delegated management with attention to conflicts of interest.

Linh Le is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 20 years of industry experience. She has worked with Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2011 to 2016. Outside of her advisory role, Linh assists elderly individuals through her work with Santa Clara In Home Support Services. 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 options based on an IPS-driven process grounded in modern portfolio theory. The firm’s services include investment policy statement preparation, performance reporting, participant education, and plan benchmarking, with a notable inclusion of insurance-related investment vehicles and bank deposit sweep options.

Mariah Lininger is a financial advisor at Merrill with a Series 66 credential and four years of industry experience. Her career includes roles at the University of California, Davis, Feather River College, and the District 4 County Supervisor's Office in Yolo County. 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.

Nicholas Tarrab is a financial advisor with UBS Financial Services in Walnut Creek, CA, holding a Series 66 designation and 21 years of industry experience. He has been with UBS Financial since 2004. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services such as fee-based financial planning and discretionary portfolio management.

Raymundo Othon Galvez is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. He holds Series 66 and Series 63 licenses and has worked at JPMorgan Chase Bank, N.A., and J.P. Morgan Securities since 2016. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

David Spencer is a financial advisor at LPL Financial with 18 years of industry experience. He holds the ChFC® designation and Series 66 license. His prior experience includes roles at Merrill Lynch and Bank of America. Outside of his advisory work, he is involved with Broadway Endeavor, LLC, a real estate rental 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 offers a range of advisory programs and financial planning services, utilizing various model portfolios and research resources.

Jackson Joyce is a Financial Consultant at Fidelity Investments, where he has been serving since 2023. In this role, he collaborates closely with clients to analyze their portfolios and assist them in making informed financial decisions aligned with their life and family goals. Jackson's experience at Fidelity Investments spans several roles, including Investment Consultant (2022-2023), Planning Consultant (2021-2022), and Financial Representative (2020-2021). This progression reflects his ongoing commitment to supporting clients in their financial planning and investment needs. He holds a California Insurance License, which complements his financial advisory capabilities.

John Greiten is a financial advisor with Ameriprise in Martinez, CA, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement who meet certain asset thresholds, delivering written recommendations that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm uses a combination of research, modeling, and algorithmic tools overseen by a dedicated consulting team to support its advisory process.

Louis Hudson is a financial advisor at Charles Schwab with 25 years of industry experience. He holds Series 63, 65, and 66 credentials and has previously worked at Morgan Stanley and E*TRADE. 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, offering a combination of non-discretionary and discretionary investment solutions supported by a multi-asset model portfolio approach.

Scott Geller is a financial advisor with Morgan Stanley in San Rafael, CA, holding Series 63 and Series 66 credentials and 18 years of industry experience. His work history includes roles at Wells Fargo Clearing, Bank of America, and Merrill prior to joining Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering advisory programs to individuals and institutions, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and provides a structured planning process that utilizes firm-approved tools and modeling techniques.

Gordon Williams is a financial advisor with Morgan Stanley in Walnut Creek, CA, holding Series 63 and Series 65 credentials and bringing 22 years of industry experience. He has been with Morgan Stanley and its Private Bank since 2013. Outside of his advisory role, he is involved in real estate ownership as a sole proprietor. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and a range of advisory programs supported by structured planning tools and research from its Global Investment Committee.

Hallie Hart is a financial advisor at UBS Financial Services with 26 years of industry experience. She has worked at UBS since 2016 and previously spent 16 years at Merrill Lynch. Outside of her advisory role, Hallie is the proprietor of Stick Your Wings Out, an educational advocacy group focused on support for parents of exceptional children. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and advisory solutions including financial planning, portfolio management, and alternative product distribution. The firm combines institutional trading capabilities with wealth management services and leverages proprietary research and asset allocation models to tailor investment strategies.

Frank Lizotte is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at several firms, including LPL Financial, The Golden 1 Credit Union, and Bank of the West. Lizotte has been with J.P. Morgan Securities and JPMorgan Chase Bank since 2014, currently based in Alamo, CA. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm delivers recommendations on a non-discretionary basis, combining large institutional advisory capabilities with brokerage and investment management services.

Patrick Cronin is a Senior Financial Advisor and Senior Vice President at Merrill Lynch Wealth Management with over 39 years of experience in the financial advisory field, including more than 30 years with Bank of America and Merrill Lynch. He specializes in developing personalized wealth management strategies designed to help clients build a strong financial foundation. His advisory services cover areas such as family wealth management, personal retirement planning, portfolio management, special needs planning, individual and corporate investment strategies, tax minimization, and retirement income planning. Patrick earned a Bachelor's Degree in Business from California State Polytechnic University, Pomona, where he was a member of the 1980 NCAA Baseball Championship Team. He holds the designation of Personal Investment Advisor (PIA). Patrick emphasizes working closely with clients to tailor financial strategies that reflect their unique objectives, maintaining a commitment to integrity and respect throughout the process. Outside of his professional work, Patrick is involved with the PGAHOPE Foundation and helps run a golf tournament supporting disabled veterans. He enjoys gardening, golfing, hiking, reading, and spending time with his family. Born and raised in Oakland, California, he currently resides in Danville, California, with his wife Erica and their three daughters.

Robert Johnson is a financial advisor at OSAIC with 34 years of industry experience. He holds Series 63 and Series 65 designations and previously worked for Securities America Advisors and Securities America Inc for a decade. He serves as Secretary on the board of the Dry Ridge Ranch Homeowners Association. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, utilizing asset-allocation tools and third-party platforms to manage portfolios across a wide range of investment types.

Jack Caswell is a financial advisor at Morgan Stanley in San Rafael, CA, holding a Series 66 designation with two years of industry experience. His prior work history includes roles at Mirador, Inc., Rookie Road, Inc., and Fiddlehead Brewing Company. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a range of advisory programs to individuals and institutional clients, including tailored financial planning supported by firm-approved tools and methodologies.

John D'amico is a financial advisor at UBS Financial Services with 27 years of industry experience. He holds Series 63, Series 65, and Series 66 designations. Prior to joining UBS in 2019, he worked at Bank of America and Merrill Lynch, Pierce, Fenner & Smith, Inc. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services, operating as a broker-dealer, investment adviser, and futures commission merchant.

Kim Meek is Vice President and Financial Consultant at Fidelity Investments, a position held since 2020. She has over 27 years of experience in financial planning, focusing on helping clients understand and achieve their individual priorities and goals through an approach grounded in trust and integrity. Prior to her current role, Kim worked at Fisher Investments from 1999 to 2020 in positions including Investment Counselor and Vice President as well as Vice President, Client Services. She holds a California Insurance License. Outside of her professional work, Kim's personal interests include family activities, social events with friends, gardening, outdoor adventures, and sailing.