Alyssa Ritchie is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 18 years of industry experience. Her prior roles include positions at Cetera, BAR Financial, and Mid Atlantic Financial Management. Outside of her advisory work, she was involved as a wellness advocate for DoTerra Oil from 2017 to 2020. 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 incorporates a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Margaret O'Hearn is a CFP® and holds a Series 66 designation with 15 years of industry experience, all with Raymond James & Associates in Walnut Creek, CA. She has been with the firm since 2011. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base ranging from individuals and high-net-worth clients to institutional and municipal entities, offering financial planning and advisory services through multiple specialized programs.

Jonathan Cruz is a Series 66-registered financial advisor with Wells Fargo Advisors in Walnut Creek, CA, where he has worked since 2018. He has seven years of industry experience, including six years at Comcast prior to joining Wells Fargo Advisors. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services using proprietary research and tools, delivering tailored recommendations through advisors.

Jennifer Whalen is a financial advisor at Merrill with 21 years of industry experience and holds a Series 66 designation. She has been with Merrill since 2006 and concurrently with Bank of America, N.A. since 2017. Outside of her advisory role, she serves as a teacher for the Orinda Community Center. 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 clients including individuals, high-net-worth clients, and institutions.

Kevin Bryant is a financial advisor with Merrill based in Walnut Creek, CA, holding Series 63 and Series 66 credentials and having 12 years of industry experience. He has worked at Merrill since 2012 and concurrently at Bank of America, N.A. since 2016. Outside of his advisory role, he is a co-owner of a family rental property. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services through the Select Portfolio Solutions Program to Bank of America fiduciary clients, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Mike Alho is a Series 66-licensed financial advisor with 14 years of industry experience. He is currently with Merrill and has prior experience at Bank of America and Wells Fargo Clearing. 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 investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Ariel Castillo is a financial advisor at Edward Jones in Benicia, CA, holding a Series 66 designation with two years of industry experience. Prior to joining Edward Jones in 2023, he worked at First Republic Bank from 2016 to 2023. 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.

Patrisia Contreras Vigil is a Series 66–licensed advisor with Merrill in Walnut Creek, CA, holding six years of industry experience. She has worked at Bank of America, N.A. and Merrill since 2020, and previously held positions at St Joseph Home and Community Care, Collabria Care, and OLE Health. 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 investment strategies supported by internal and third-party managers for individuals, institutions, and nonprofit organizations.

Ron Phillips is a financial advisor at Morgan Stanley with 29 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Outside of finance, he is involved with the Combat Sports Academy in Dublin, California. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by firm-approved tools and strategies.

Nicholas Mommaerts is a financial advisor with Morgan Stanley in Orinda, CA, holding a Series 66 designation and 20 years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2007, including roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs and 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 analysis from its Global Investment Committee.

Alberto Fuentes Perez is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses, and has one year of industry experience. Prior to his advisory role, he managed Volt Auto Glass and owns JF Marketing, an online marketing business. Primerica Advisors manages a wrap-fee asset management program serving individual, corporate, and charitable clients, employing model-driven investment strategies supported by third-party asset managers and custodians.

John Hutchinson is a CFP® professional with 30 years of industry experience, currently serving as a financial advisor at Raymond James & Associates since 2025. He spent 14 years at Stifel Nicolaus & Co Inc prior to his current role. Outside of his advisory work, he serves as co-executor and acting trustee for a family trust, managing related fiduciary responsibilities. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base—including individuals, institutions, and municipal entities—and offers a range of financial planning, advisory, and consulting services supported by various portfolio management styles and affiliated research resources.

Mary Dinerman is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs, including tailored financial planning supported by firm-approved tools and research from its Global Investment Committee.

Samir Arora serves as a Client Experience Advisor at Merrill Lynch Wealth Management. In his role, he works directly with clients to understand their financial situations and introduces them to solutions available through Merrill and Bank of America. He provides ongoing advice and guidance to clients as their financial needs evolve. Samir's expertise includes general investing, retirement planning, and saving for unexpected events. He emphasizes understanding what is important to each client to help develop personalized strategies for pursuing their financial goals. He holds several professional designations, including Accredited Asset Management Specialist (AAMS), Accredited Wealth Management Advisor (AWMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). He completed an Accredited Certificate Program at the University of Pune.

Anna Miller is a financial advisor at Morgan Stanley with a Series 66 designation and four years of industry experience. She has worked at Morgan Stanley since 2019 and has prior experience at SEAF and Moondance Adventures. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm provides a range of advisory programs, including tailored financial planning, and manages approximately $2.74 trillion in client assets.

Donald Frank III is a financial advisor at Wells Fargo Clearing with a Series 66 credential and one year of industry experience. His prior work includes roles at Moraga Country Club and Safeway. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, retirement plan consulting, and brokerage services. The firm manages approximately $671 billion in assets across more than 14,000 financial advisors and utilizes research and analytics to inform investment decisions.

Lata Malla is a financial advisor at Merrill with a Series 66 designation and seven years of industry experience. She has been with Merrill since 2017 and previously worked at Bank of America from 2015 to 2017. Additionally, she held roles at California State University, East Bay, and College of San Mateo during the earlier part of her career. 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 supported by internal Chief Investment Office teams and third-party managers, serving individuals, high-net-worth clients, retirement plans, corporations, and charitable organizations.

Wilko Schutzendorf is a financial advisor with LPL Financial based in Walnut Creek, CA. He holds a Series 66 designation and has 15 years of industry experience. Prior to his current role at LPL, he worked at Becker Financial Group for 13 years. Outside of his advisory work, he is also active as a real estate agent with Berkshire Hathaway Home Services-Franciscan Properties. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network of investment adviser representatives. The firm serves individuals, retirement plan participants, banks, trust companies, and institutions with a variety of financial planning and investment management solutions.

Brian Coburn is a Financial Advisor at Merrill Lynch Wealth Management. He specializes in personalized comprehensive wealth management solutions, including banking, lending, investing, and insurance. His work focuses on helping clients pursue personal goals such as college education planning, retirement planning, and retirement income management. Brian holds a bachelor's degree from the University of California at Berkeley, where he also participated in baseball as a player and volunteer assistant coach. He earned a master's degree in educational instruction from Saint Mary's College. Before transitioning to financial advising, he spent twenty years teaching chemistry and serving as a baseball coach. Brian holds professional designations including CERTIFIED FINANCIAL PLANNER (CFP), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Outside of his professional career, Brian has served as president of the Stone Valley Education Fund and worked as a tutor for College is Real. He lives in the East Bay with his wife Lee Ann, the Managing Director and founder of The Coburn Team, and their two daughters. His personal interests include traveling with family, golfing with friends, and reading.

Ahamad Shaghassi is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. Prior to joining Fidelity, he worked at TEKsystems, Inc. and has held self-employed roles. He is a silent partner and sublessor at ZS Bros Partners, where he manages property-related responsibilities. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a broad client base, including retail and institutional investors, and employs a systematic investment process combining fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its advisory roles to multiple registered investment companies and use of advanced technologies in portfolio management.