Melissa Waggonner is a financial advisor at Merrill with 19 years of industry experience and a Series 66 designation. She has been with Merrill since 2015 and has also worked at Bank of America, N.A. since 2025. 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. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

Paul Kommer is a Wealth Management Advisor at Merrill Lynch Wealth Management. With over thirty years of experience in financial advising, he assists clients in navigating various wealth management decisions by providing education, advice, and guidance aimed at achieving their financial goals. He emphasizes understanding and prioritizing each client's specific financial and personal objectives through personalized discussions. His areas of expertise include managing new wealth, personal retirement planning, and retirement income. Paul holds the CERTIFIED FINANCIAL PLANNER (CFP) designation and is a Personal Investment Advisor (PIA). He earned a Bachelor's Degree from the University of California System. Outside of his professional role, Paul is involved in coaching high school basketball and participates in fitness sports such as rowing, running, and triathlon. He also enjoys music, reading current events and novels, and supports his four adult daughters in their pursuits.

Marcelo Francys Oliveira is a financial advisor at OSAIC with 18 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Sii, Transamerica Financial Advisors, and Investment Advisors International, Inc. Outside of his advisory role, he is the CEO and owner of CDG Capital Partners LLC, an e-commerce business serving clients in Brazil. OSAIC Wealth serves a diverse clientele including retail and institutional investors, retirement plan sponsors, charities, and corporate clients. The firm offers a multi-advisor platform with brokerage and advisory services, employing a model-based investment process that supports discretionary and non-discretionary strategies along with third-party money manager programs.

Hope Bolich is a financial advisor at J.P. Morgan Securities with Series 63 and Series 66 credentials and four years of industry experience. She has worked at J.P. Morgan Securities since 2021 and concurrently at JPMorgan Chase Bank, N.A. since 2020. Prior to her financial services career, she was employed at TJMaxx from 2016 to 2020. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on non-discretionary written asset allocation advice, investment manager searches, and customized performance reporting. The firm uses a research-driven approach supported by centralized due diligence and offers broader derivatives and commodities capabilities compared to many institutional advisory programs.

Michael Mcclain Svec is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and possessing 10 years of industry experience. He has worked at Wells Fargo Clearing since 2018 and previously at Franklin Templeton Distributors, Inc. from 2015 to 2018. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with investment options that include insurance-related vehicles and bank deposit sweep programs.

Vince Affinito is a financial advisor at Osaic Wealth with 39 years of industry experience. He has held roles at Osaic since 2018 and previously worked at Signator Investors, Inc. for 24 years. Outside of his advisory work, Affinito operates a sole proprietorship focused on the sale of life insurance and annuity products. Osaic Wealth serves a diverse client base, including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a multi-advisor platform with brokerage and advisory services that emphasize model-based asset allocation, portfolio optimization, and a range of managed account programs.

Stephen Macdonald is a financial advisor with Wells Fargo Clearing in Walnut Creek, CA, holding Series 65, Series 63, and Series 66 licenses and bringing 22 years of industry experience. His career includes roles at Wells Fargo Bank, Nuveen Securities, LLC, TIAA, and Teachers Personal Investors Services, Inc. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions, utilizing research from Wells Fargo Investment Institute and third-party sources to guide investment decisions.

Cecilia Swain is a financial advisor at J.P. Morgan Securities with 30 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at J.P. Morgan Securities LLC since 2012, following two years at Chase Investment Services Corp. and one year at JPMorgan Chase Bank, N.A. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. The firm focuses on written asset allocation advice, investment manager and fund searches, and customized performance reporting, with recommendations supported by centralized due diligence and a combination of quantitative and qualitative research.

Ashley Coons is the Vice President, Wealth Planner at Fidelity Investments, a role she has held since 2025. In this capacity, she works closely with clients to develop financial plans that align with their goals and priorities, utilizing the full range of Fidelity's services and investment strategies. Ashley has been with Fidelity Investments since 2015, progressing through various roles including Financial Consultant, Relationship Manager, and Financial Representative. Her experience encompasses wealth planning and client relationship management, supporting clients as their financial plans evolve. She holds a California Insurance License. Outside of her professional work, Ashley enjoys cooking and baking, family activities, exploring food culture, spending time at the lake, engaging in parenthood, and caring for pets.

Aiden Simons is a financial advisor at Equitable Advisors in Walnut Creek, CA, holding a Series 66 designation with one year of industry experience. Prior to joining Equitable Advisors, he was employed at Capital Insurance Group and has experience working with organizations such as Kidz Love Soccer and University of Nevada Reno. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and asset-management programs through a network of Investment Adviser Representatives and third-party asset managers.

Jeffrey Breininger is a financial advisor with Morgan Stanley in Oakland, CA, holding Series 63 and Series 65 licenses and bringing 21 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank since 2015, following a five-year tenure at Citigroup Global Markets. He serves as a board member of Blue Alliance, a nonprofit organization. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial and estate planning. The firm employs a structured planning process supported by proprietary tools and offers diversified investment solutions alongside institutional and retail services.

Richard Russell is a financial advisor at Wells Fargo Clearing with 41 years of industry experience. He holds the CFP® designation along with Series 63 and Series 65 licenses. His prior work includes 11 years at A. G. Edwards & Sons, Inc. He also serves as co-trustee of his mother's trust, an investment-related role. Wells Fargo Advisors is a national securities firm providing investment advisory, financial planning, and retirement plan consulting services to individual, corporate, and institutional clients, operating with over 14,000 advisors and approximately $671 billion in assets under management.

Mark Porter is a financial advisor with Ameriprise in El Sobrante, CA, holding a Series 66 designation and 22 years of industry experience. He has worked at Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Outside of his advisory role, he is involved in a Herbalife distributorship focused on health and vitamin products. Ameriprise provides a retirement-income planning service tailored to individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver non-discretionary recommendations. The firm offers a broad range of advisory, brokerage, and insurance solutions typical of a large institutional provider.

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.

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.

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.