Sarah Kim is a CFP® with 19 years of experience working at MassMutual Investors Services in Walnut Creek, CA. She has been with MML Investors Services Inc and Mass Mutual Life Insurance since 2006. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars, using a collaborative approach with detailed client information and firm-approved analytical tools.

Gabriel Wright is a financial advisor at Edward Jones in Livermore, CA, holding a Series 66 designation with two years of industry experience. Prior to joining Edward Jones in 2024, he worked at Univar Solutions, Dollar Tree, and PG&E. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment strategies supported by a nationwide network of financial advisors and branch offices.

Alec Benson is a financial advisor at Morgan Stanley with four years of industry experience. He holds a Series 66 designation and has prior work experience at Moody's Investors Service. Alec is based in Walnut Creek, CA. Morgan Stanley Wealth Management provides advisory programs and financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning approach utilizes structured discovery conversations and proprietary tools while offering a broad range of retail and institutional investment solutions.

Cody Steele is a financial advisor at OSAIC in San Ramon, CA, holding a Series 66 designation with one year of industry experience. His prior work includes roles at Momentum Value Partners and Macrostie, as well as experience at James Marco Steele MD. There are no notable outside business activities reported. OSAIC serves a diverse client base including individual investors, retirement plans, charities, and corporations, offering brokerage and advisory services through a multi-advisor platform. The firm emphasizes model-based asset allocation and portfolio optimization, supporting discretionary and advisor-managed strategies with a range of program options.

Tjindiwati Suttio is a financial advisor with Morgan Stanley in Pleasanton, CA, holding a Series 66 designation and 23 years of industry experience. She has been with Morgan Stanley since 2010. 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 structured discovery processes and firm-approved tools to model financial outcomes.

David Tucker III is a financial advisor with RBC Capital Markets in Walnut Creek, CA, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. He has worked at RBC Capital Markets since 2008 and at City National Bank since 2016. Outside of his advisory role, he is actively involved as an owner and manager at Tucker Family Vineyards LLC. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers a range of advisory programs with tailored investment strategies implemented through both in-house and third-party managers.

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 with Wells Fargo Advisors in Walnut Creek, CA, holding a Series 66 credential and 16 years of industry experience. He previously worked at Wells Fargo Clearing from 2016 to 2022 before joining Wells Fargo Advisors. Outside of his advisory role, he is a part-owner of BPGE Capital Management LLC and holds trustee roles in family trusts. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that offers investment and financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services using proprietary research and tools, with clients choosing how to implement recommendations through various brokerage or advisory programs.

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.

Raul Aguilar Jr. is a financial advisor at Edward Jones with eight years of industry experience. He holds Series 63 and Series 66 licenses. Prior to joining Edward Jones in 2022, he worked at NYLIFE Securities LLC and New York Life Insurance Company from 2020 to 2022, and Wells Fargo Clearing Services LLC from 2015 to 2020. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and charitable organizations. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs and investment strategies under a fiduciary standard.

Sara Farner is a financial advisor at Morgan Stanley with 25 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Prior to that, she spent nine years at Citigroup Global Markets. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers comprehensive financial planning and advisory programs, managing approximately $2.74 trillion in client assets.

Jeffrey Minamide is a financial advisor with Morgan Stanley in Pleasanton, CA, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2015 and with Morgan Stanley Smith Barney LLC since 2009. Outside of his advisory role, he serves as a board member of the Southern Alameda Buddhist Church. Morgan Stanley Wealth Management provides advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm uses structured planning tools and a disciplined investment process but generally acts in an advisory capacity for retirement accounts unless specifically engaged otherwise.

Sarah Phillips is a financial advisor at Morgan Stanley in Pleasanton, CA, holding a Series 66 designation with 13 years of industry experience. She has worked at Morgan Stanley Smith Barney LLC since 2011 and Morgan Stanley Private Bank, N.A. since 2020. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and provides services through Financial Advisors and the Estate Planning Strategies Group.

Stephen Witt is a financial advisor with J.P. Morgan Securities, holding a Series 63 designation and 41 years of industry experience. He has worked with JPMorgan Chase Bank, N.A., J.P. Morgan Securities, Chase Investment Services Corp., and Wamu Investments, Inc. since 2006. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a program focused on written asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process integrates quantitative and qualitative due diligence and includes broader derivatives and commodities capabilities.

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.

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.

August Berman is a financial advisor at Morgan Stanley with 12 years of industry experience. He holds the Series 66 designation and previously worked at UBS Financial Services for nine years. Outside of finance, he operates a personal training business. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer serving both individuals and institutional clients with a wide range of advisory programs and structured financial planning tools.

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.