Greg Coburn is a CFP® professional with over 32 years of experience in the financial industry. He is currently with LPL Financial and has held roles at Bank of the West and BancWest Investment Services since 2016. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing discretionary and non-discretionary management supported by research from LPL Research and third-party subadvisors.

Timothy Hintzoglou is a CFP®-designated financial advisor with 28 years of industry experience. He is currently affiliated with Cetera Wealth Services, LLC and Cetera, where he has worked since 2025. His prior experience includes long-term roles at Avantax Insurance Agency, LLC and Avantax Investment Services, Inc. Outside of his advisory work, he serves on the board of the nonprofit ARM of Care, Inc. and is a trustee for Walnut Creek Presbyterian Church as well as the Ray Matthes 1997 Trust. Cetera Investment Advisers LLC is a nationwide SEC-registered firm offering portfolio management, financial planning, and retirement services to individuals, employer-sponsored plans, corporate, charitable, and institutional clients. The firm operates as a multi-manager platform providing access to a range of investment strategies and program structures with over 10,000 advisors and more than $256 billion in assets under management.

Yaochao Wei is a financial advisor at Merrill with four years of industry experience and holds the Series 66 designation. Prior to joining Merrill in 2016, Wei worked for two years at Sincere Home Decor. Outside of advisory work, Wei is a co-owner of a family rental property. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Marja Rusch is a financial advisor with Wells Fargo Clearing and holds a Series 66 designation. She has been with Wells Fargo Clearing Services, LLC since 2021 and Wells Fargo Bank, NA since 2006. Although she has no industry experience as an advisor, she has over 20 years with Wells Fargo in other capacities. Wells Fargo Advisors is a national securities firm providing investment advisory, financial planning, and retirement plan consulting services to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute.

Christine Mccomas is a financial advisor at Wells Fargo Clearing with 12 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Wells Fargo Clearing since 2016, following four years with WELLS FARGO Advisors, LLC. 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, incorporating a broad range of financial products including insurance-related vehicles and bank deposit sweep options.

Sally Jermain is a financial advisor at Cambridge Investment Research Advisors with 25 years of industry experience. She holds the CFP® and Series 66 designations. Prior to joining Cambridge in 2024, she worked at LPL Financial for eight years. Outside of her advisory work, she owns a business related to Qigong and Medical Qigong and is involved in a performing arts business. Cambridge Investment Research Advisors serves a diverse range of clients, including individuals, pension and profit-sharing plans, charitable organizations, and trusts. The firm provides financial planning, investment management, retirement plan advisory, and financial-wellness services through a network of independent professionals, offering both proprietary and third-party investment strategies across multiple platforms.

Peggy Hatch is a financial advisor at Fidelity with 17 years of industry experience. She holds Series 63 and Series 65 licenses and has worked with Fidelity Personal and Workplace Advisors since 2018. Her career at various Fidelity affiliates dates back to 2013. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, employing proprietary fundamental research combined with quantitative analysis and algorithmic portfolio construction to manage portfolios that include mutual funds, ETFs, and ETPs.

Stephen Butterfield is a financial advisor with RBC Capital Markets in Walnut Creek, CA, holding Series 63 and Series 66 licenses and 14 years of industry experience. He has been with RBC Capital Markets since 2018 and previously worked at Dublin Mazda and Ascentis. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers multiple advisory programs with tailored investment strategies, combining in-house and third-party managers along with customizable portfolio management options.

Kulwinder Mann is a financial advisor at Merrill with 18 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Merrill since 2008 and Bank of America since 2016. 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.

Jane Lang is a CFP® professional with four years of experience in financial advising. She has worked at Edelman Financial Engines since 2022 and previously held roles at Herrmann & Cooke, Inc., HC Financial Advisors, Inc., and the University of California, Los Angeles. Edelman Financial Engines provides technology-enabled investment advisory services focusing on workplace retirement accounts, IRAs, taxable accounts, and institutional clients. The firm manages model-based and customized portfolios, offers sub-advisory services, and supports a large client base through both advisor-led and online platforms.

Siulieng Chea Jerez is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 13 years of industry experience. She has worked with JP Morgan Chase Bank and J.P. Morgan Securities since 2011. 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 through a team of Wealth Advisors. As a subsidiary of J.P. Morgan, the firm combines large institutional advisory operations with brokerage and investment management capabilities.

Karen Jaffe is a Series 66-licensed financial advisor with Morgan Stanley in Oakland, CA, where she has worked since 2018. She has eight years of industry experience, including two years at Collabera Inc before joining Morgan Stanley. 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, utilizing structured discovery processes and firm-approved tools to support client goals.

Grace Greening is a Wealth Management Advisor at Merrill Lynch Wealth Management and a member of the G/M Group. She began her career at Merrill Lynch in 2019 as a Financial Advisor Development Intern and transitioned into a full-time role in 2020. In her current role, she works with individuals and families to help with wealth planning, establishing inter-generational wealth, and asset management. Grace specializes in areas including college education planning, divorce transition planning, managing new wealth, personal retirement planning, women and wealth, investment strategy for individuals and corporations, and retirement income. She holds several professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). She earned a bachelor's degree in Business Administration from the University of Oregon. Grace grew up in Oakland and has been involved in competitive soccer, which has influenced her ongoing commitment to community engagement. Her personal interests include boating, cooking, hiking, soccer, spending time with her family, and traveling.

Robert Samuels is a financial advisor at Charles Schwab & Co., Inc. with 23 years of industry experience. He holds Series 63, 65, and 66 licenses and has been with Charles Schwab since 2016. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a combination of non-discretionary investment guidance and access to discretionary separately managed accounts. The firm is notable for its scale, integrated operational structure, and a formal approach to alternative investments and cash-sweep services.

David Reppas is a financial advisor at UBS Financial Services with 39 years of industry experience. He has been with UBS since 2009 and holds Series 63 and Series 65 licenses. Outside of financial services, his spouse works in quality control for a restaurant franchise. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services. The firm combines institutional trading capabilities with wealth management, offering fee-based financial planning, portfolio management, and access to proprietary research and capital markets services.

Josephine White is a financial advisor at Merrill with a Series 66 designation and 21 years of industry experience. She has worked at Merrill since 2005 and has been with Bank of America, N.A. since 2011. Outside of her advisory role, she is a board member of the Rotary Club of Alameda, where she participates in community service activities including tree planting, food distribution, scholarship funding, and support for immigrants. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and various organizations.

Jessica Steffensen is a financial advisor with Cetera in Walnut Creek, CA, holding a Series 66 license and two years of industry experience. Prior to joining Cetera in 2025, she worked at Avantax Investment Services and Advisory Services from 2024 to 2025. Outside of her advisory role, she manages a tax services firm that provides tax preparation, planning, and bookkeeping, and serves as Chief Financial Officer for a nonprofit community pool association. Cetera Investment Advisers LLC serves a broad client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform, supporting both discretionary and non-discretionary program structures.

Alex Baldwin is a financial advisor at Morgan Stanley with four years of industry experience. He holds the Series 66 and Series 63 licenses and has worked at Morgan Stanley and Fidelity Investments. Baldwin is also involved as an officer in a nonprofit organization focused on education, environmental conservation, and youth services. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, emphasizing structured financial planning supported by firm-approved tools and strategies. The firm manages approximately $2.74 trillion in client assets and provides both direct and employer-sponsored planning services.

Karen Harootenian is a Series 66 licensed financial advisor with Morgan Stanley in Walnut Creek, CA, bringing 15 years of industry experience. She has been with Morgan Stanley and its Private Bank division since 2013. 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 and tailored financial planning solutions. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm‑approved tools and research.

Richard Beaumont is a financial advisor with Morgan Stanley in Orinda, CA. He holds Series 63 and Series 65 licenses and has 32 years of industry experience. Beaumont has worked at Morgan Stanley Private Bank, National Association since 2015 and has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a wide range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process that includes firm-approved tools and scenario modeling.