Michael Olff is a CFP® professional with 18 years of industry experience. He has been with Cambridge Investment Research Advisors since 2010 and previously worked at Woodbury Financial Services and FSC Securities Corporation. Outside of his advisory work, he is involved in tax preparation through Strategic Tax & Financial Group and serves as president of Strategic Business Consultants. Cambridge Investment Research Advisors serves individual and institutional clients, including pension and charitable organizations, by offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm operates through a large network of financial professionals and provides access to multiple platforms and proprietary model strategies.

Eric Gross is a CFP® professional with 17 years of experience in the financial services industry. He is currently affiliated with Mass Mutual Investors Services in Pleasant Hill, CA, where he has worked since 2013. He also serves as president of his own investment advisory firm, Eric F Gross Inc, which he established in 2023. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm uses detailed client data and analytical tools to deliver comprehensive financial plans, with additional offerings such as estate and employer-sponsored planning programs.

Michelle Dow is a financial advisor at Merrill with 13 years of industry experience. She holds a Series 66 designation and has been with Merrill since 2012. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using a mix of model-based and discretionary investment strategies.

David Rodriguez Cruz is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and seven years of industry experience. He has worked with various Wells Fargo entities since 2014. Outside of his advisory role, he owns and operates an online resale business and is a Notary Public. 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 combines research and analytics with a broad range of financial products through bank and insurance affiliates.

Juan Flores Rodriguez is a Series 66 licensed financial advisor with six years of industry experience. He currently works at LPL Financial and previously held roles at BMO Harris Bank, Wells Fargo Clearing, Bank of America, and Merrill. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management services through a large network of advisors, utilizing both proprietary and third-party strategies.

Mohammad Reza Shabani is a financial advisor at J.P. Morgan Securities with 8 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at JPMorgan Chase Bank, N.A. and Wells Fargo in various roles since 2015. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting within a non-discretionary framework. The firm supports its advisory process with centralized due diligence and incorporates ESG criteria into its recommendations.

Michael Peters is a financial advisor with Wells Fargo Advisors in Walnut Creek, CA, holding Series 63 and Series 65 credentials. He has 32 years of industry experience, including previous roles at Wells Fargo Clearing and Wells Fargo Investments, LLC. He also owns MJP Wealth Management LLC, an investment-related business based in San Francisco. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients, offering a broad range of investment and financial planning services. Its approach includes tailored recommendations supported by Wells Fargo research and planning tools, with clients having flexibility in how they implement advice.

Benjamin Broadley is a financial advisor with Fidelity Investments and holds a Series 66 designation. He joined Fidelity in 2025 and previously held academic roles at California State University, Chico, including work with the Department of Economics. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to both retail and institutional clients, employing a process that integrates fundamental research with quantitative analysis and algorithmic portfolio construction. The firm is notable for its advisory roles with registered investment companies and its use of algorithmic methods and AI in research.

Peter Economos is a Senior Financial Advisor at Merrill Lynch Wealth Management. He brings over 20 years of experience in building companies and managing relationships, with a background as a technology executive and entrepreneur. Before joining Merrill, Peter founded and led Passbox, an early group buying software platform, and Enkarma Technology, a software distribution partner for Sun Microsystems. He also participated in a Nasdaq IPO with Intraware and began his career at Netscape Communications. Peter holds Series 7 and 66 FINRA registrations as well as the Personal Investment Advisor (PIA) designation. He graduated from the University of California, Berkeley in 1996 with a B.A. degree and played varsity baseball during his studies. Peter focuses on developing and optimizing client relationships through the Economos Group, applying his extensive business experience to provide insight and sound judgment. Residing in Alamo with his wife and three children, Peter is involved in his community as a baseball coach and church volunteer. Outside of work, he enjoys mountain biking, coaching baseball, and spending time with his family.

Randi Bednarczyk is a financial advisor at Raymond James Financial with 10 years of industry experience. She holds a Series 66 designation and previously worked at Edward Jones for six years. She is also involved in owning and operating two support companies, Diamond Oak Wealth Partners and RBK Financial. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional investors. The firm offers tailored, non-discretionary advice supported by analytical tools and maintains unique municipal advisory capabilities and specialized retirement plan consulting services.

Christopher Godvin is a financial advisor with Morgan Stanley in Orinda, CA, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. His prior roles include positions at UBS Securities, Merrill, Bank of America, and self-employment. He has been with Morgan Stanley since 2025, currently working within Morgan Stanley Private Bank. Morgan Stanley Wealth Management serves individual and institutional clients, managing approximately $2.74 trillion in assets. The firm offers a variety of advisory programs, including tailored financial planning supported by structured discovery and firm-approved tools.

Eric McMahon is a financial advisor with Morgan Stanley in Walnut Creek, CA, holding Series 63 and Series 65 designations and 25 years of industry experience. He has been with Morgan Stanley since 2013. 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, including tailored financial planning supported by firm-approved tools and modeling techniques.

Ian Wetherell is a financial advisor with LPL Financial, holding Series 63, 65, and 66 licenses and possessing 26 years of industry experience. His prior roles include positions at Principal Funds Distributor, Inc, Nationwide Investment Services Corporation, Manulife Investment Management (US) LLC, and John Hancock entities. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, providing advice and account management through a broad network of investment adviser representatives.

Drew Lyon is a financial advisor at Wells Fargo Clearing with 36 years of industry experience. He holds the Series 63 and Series 65 designations and has previously worked at RBC Capital Markets, Merrill, Morgan Stanley, and Citigroup Global Markets. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting, managing approximately $671 billion in assets through more than 14,000 financial advisors.

Kisa Konrad is a Financial Consultant at Fidelity Investments, a role she has held since 2021. She brings a collaborative and empathetic approach to financial planning, aiming to make complex concepts accessible and understandable for her clients. Her professional philosophy centers on easing the anxiety often associated with conversations about finances and retirement planning. Prior to her current position, Kisa worked as a Private Client Advisor at JP Morgan Securities from 2019 to 2021 and as a Private Client Banker at JP Morgan Chase from 2015 to 2019. She holds a California Insurance License, which supports her work in financial consulting and client advisement. Outside of her professional career, Kisa has interests in comedy, fitness, music, photography, reading, and traveling.

Nadeem Alam is a financial advisor with J.P. Morgan Securities in Antioch, CA, holding Series 63, 65, and 66 licenses and bringing 18 years of industry experience. He has worked at JPMorgan Securities LLC since 2016 and previously held roles at Merrill, Transamerica Financial Advisors, Nationwide Securities, RBC Capital Markets, and Ameriprise. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting within a non-discretionary advisory framework.

Emily Bach is a financial advisor with Morgan Stanley in Orinda, California, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. She has been with Morgan Stanley Private Bank, N.A. since 2015 and has served at Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a wide range of advisory programs to individuals and institutional clients, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and market modeling techniques.

Patrice Rainer is a Certified Financial Planner (CFP®) and holds a Series 66 license, with 13 years of experience in the financial industry. She has been with Cambridge Investment Research Advisors since 2016 and previously worked at Protected Investors of America from 2013 to 2016. Rainer serves as Vice President and Board Member of the Estate Planning Council of Diablo Valley. Cambridge Investment Research Advisors, Inc. serves individual and institutional clients, including pension and charitable organizations, by offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm operates through thousands of Financial Professionals and manages a multi-billion dollar asset base with services spanning multiple platforms and proprietary model strategies.

Robert Steinhorn is a financial advisor with OSAIC, holding Series 63 and Series 65 credentials and having 31 years of industry experience. He has been associated with Royal Alliance Associates, Inc. since 1994 and has led Steinhorn Consulting since 1979, providing consultation on retirement plan options. OSAIC Wealth serves a diverse clientele including individual investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform. The firm offers a range of brokerage and advisory services with an investment process focused on model-based asset allocation and portfolio optimization.

Tammie Kim is a financial advisor with Morgan Stanley in Walnut Creek, CA, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. She has been with Morgan Stanley since 2016 and currently works with Morgan Stanley Private Bank, N.A. Since 2024, she has served as treasurer for the Stone Valley Middle School Education Fund. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs, including tailored financial planning and estate planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools.