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.

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.

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.

Gilbert Orozco is a Senior Financial Advisor with Merrill Lynch Wealth Management. Since joining Merrill in 2005, he has developed expertise in legacy planning, personal retirement planning, portfolio management services, and tax minimization. Gilbert’s approach involves working one-on-one with clients to create personalized financial strategies aligned with their long-term goals and adapting to changing market conditions. Gilbert holds a Bachelor of Science in Business Administration from Saint Mary's College of California and carries the Personal Investment Advisor (PIA) professional designation. He brings extensive knowledge of Merrill’s programs and services to his role, supported by over 18 years of experience focused on client service and relationship development. Gilbert resides in Concord with his wife and two daughters. Outside of work, he enjoys camping, cooking, gardening, and spending time with his family.

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.

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.

Luke Mc Kernan is a financial advisor at Morgan Stanley in Walnut Creek, CA. He holds a Series 66 designation and has recently started his advisory career in 2025. Prior to joining Morgan Stanley, he worked in various roles including at California Polytechnic State University San Luis Obispo and Ahmed's Moving Express, Inc. 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 firm-approved tools and models to support tailored client plans.

Wahab Shah is a financial advisor at J.P. Morgan Securities with 16 years of industry experience. He holds Series 66 and Series 63 licenses. His prior experience includes roles at Citibank and Wells Fargo. 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 through a non-discretionary program.

Karen Dunphy is a financial advisor at Morgan Stanley with 25 years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley since 2015. The firm offers a wide range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by structured discovery conversations and firm-approved planning tools. Morgan Stanley Wealth Management manages approximately $2.74 trillion in client assets and delivers services that include both direct individual plans and Corporate Financial Planning agreements.

Tonu Viitas is a financial advisor with OSAIC, holding Series 63 and Series 65 licenses and with 23 years of industry experience. He previously worked at Sagepoint Financial, Inc. for 17 years before joining OSAIC. Outside of his advisory role, he serves as treasurer for the Estonian Society of San Francisco, a nonprofit organizing community events. OSAIC Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporate clients. The firm offers both brokerage and advisory services with a model-based investment process that includes portfolio optimization, discretionary management, third-party manager options, and a range of custodial and legacy programs.

Pei Fen Lee is a financial advisor at Fidelity with six years of industry experience. She holds Series 63 and Series 66 licenses and previously worked at Chase, Bank of America, and Fanale Drinks. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a broad client base, including retail and institutional investors, using a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, model portfolios, and fund advisory services.

Barbara Jolliffe is a CFP® with 45 years of industry experience, currently serving as a financial advisor at Osaic. Her prior roles include positions at Securities America Advisors, National Planning Corporation, and Royal Alliance Associates. Outside of her advisory work, she is involved in tax preparation and consulting through Jolliffe Enterprises. Osaic Wealth serves a diverse range of clients, including retail investors, retirement plan sponsors, charities, and corporate clients, offering brokerage and advisory services with a focus on model-based asset allocation and portfolio optimization.

Aaron Hudson is a Wealth Management Advisor with Merrill Lynch Wealth Management. He focuses on assisting corporate executives with strategies for concentrated stock positions, restricted stock transactions, and liquidity events. Aaron also works with non-profit organizations and families, offering tailored wealth management strategies that align with specific client objectives. Before joining Merrill Lynch Wealth Management in 2019, Aaron worked as a client service associate at Morgan Stanley. His professional approach emphasizes attentive and accessible service, aiming to build long-lasting client relationships through careful listening and understanding of each client's financial goals. His areas of focus include corporate executive services, divorce transition planning, executive compensation, equity compensation services, services for endowments, foundations, and non-profits, investment consulting for defined contribution plans, sports and entertainment, and tax minimization. Aaron earned a Bachelor's Degree from the University of California system and completed an Accredited Certificate Program from the American College of Financial Services. He has professional designations including Chartered Financial Consultant (ChFC), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Outside of work, Aaron enjoys baseball, basketball, boxing, football, golfing, music, photography, and spending time with his family.

Nicole Lai is a financial advisor at Morgan Stanley Wealth Management in Orinda, California, holding a Series 66 designation with 14 years of industry experience. She has worked at Morgan Stanley since 2016 and previously at UBS. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a variety of advisory programs to both individual and institutional clients. The firm provides tailored financial planning and manages approximately $2.74 trillion in client assets through structured planning processes and broad retail and institutional services.

Daniel Jew is a CFP® professional with 17 years of experience in financial advising. He has worked at Edward Jones since 2008. Jew holds Series 63 and Series 66 registrations. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of discretionary and non-discretionary investment strategies, including separately managed accounts and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and operates a nationwide network of financial advisors and branch offices.

Patrick Sinclair is a financial advisor at Stifel with 45 years of industry experience. He has been with Stifel Nicolaus & Co. Inc. since 2009. Sinclair holds the Series 63 and Series 65 designations and is based in Walnut Creek, California. Stifel serves a broad range of clients including individuals, institutional investors, charitable organizations, and municipal entities, offering brokerage and investment advisory services supported by proprietary investment analysis and allocation methodologies developed by its Investment Strategy Group.

Ron Silva is a CFP® with 32 years of experience in the financial services industry. He has been with LPL Financial since 2013 and previously worked at National Planning Corporation, Sterling Financial Services, Inc., and OSAIC. Silva also operates Silva Financial Planning Services. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and access to third-party asset management, supported by a large network of investment adviser representatives.

Christine Meyer is a financial advisor at Fidelity with five years of industry experience. She holds a Series 66 designation and has worked at Fidelity Investments since 2021, with prior roles at Merrill and Bank of America. Outside of her advisory role, she operates Beyond Bowls, reselling dough bowls at an outdoor marketplace in Danville, California. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, employing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver diversified model portfolios.

Chih Han Goh is a financial advisor with Merrill in San Leandro, CA, holding a Series 66 designation and eight years of industry experience. He has been with Merrill and Bank of America since 2016. Outside of his advisory role, he serves as Deputy Principal at Fremont Chinese School, a weekend language school in Fremont, CA. 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 offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.