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.

David Marchetti is a Planning Consultant at Fidelity Investments, where he collaborates closely with clients and their families to clarify their financial situations and identify their priorities. He develops personalized financial plans in partnership with wealth management teams to support clients' financial goals. His experience at Fidelity Investments includes roles as a Financial Representative and Relationship Manager prior to his current position. David holds a California Insurance License. Outside of his professional career, David enjoys camping, attending concerts, fishing, exploring culinary experiences, watching football, and listening to music.

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.

Timothy Cariolano is a financial advisor with Morgan Stanley in Pleasanton, CA, holding a Series 63 designation and 15 years of industry experience. He previously worked at Ameriprise Financial Services, Inc. for seven years before joining Morgan Stanley Smith Barney LLC in 2018. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a variety of advisory programs to individuals and institutional clients, including tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and models such as Monte Carlo simulations to support its financial planning process.

Grace Greening is a Wealth Management Advisor at Merrill Lynch Wealth Management and a member of the Greening-Messinger Group, a family practice dedicated to serving the complex needs of high-net-worth individuals and families. She began her career at Merrill in 2019 as a Financial Advisor Development Intern before transitioning into a full-time role in 2020. In her current role, Grace works closely with clients and their families to deliver personalized advice across investment management, financial planning, and strategies for preserving and transferring wealth across generations. Grace earned a Bachelor's Degree in Business Administration from the University of Oregon. She holds multiple 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). Her expertise encompasses areas such as college education planning, divorce transition planning, managing new wealth, personal retirement planning, women and wealth, individual and corporate investment strategy, and retirement income. Outside of work, Grace leads an active lifestyle enjoying boating, cooking, hiking, soccer, spending time with family, and traveling. She appreciates cultural experiences and time spent outdoors, which contribute to her commitment to understanding clients' priorities and creating personalized financial strategies.

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.

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.

Alexander Gallup is a financial advisor at Merrill with a Series 66 credential and one year of industry experience. His prior work includes roles at Cosentus and Avitus Group, as well as experience in entertainment and production companies. 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 strategies for a range of clients including individuals, high-net-worth individuals, and institutions.

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.

Ronald Wagner is a financial advisor at OSAIC with 35 years of industry experience. He holds Series 63 and Series 65 credentials and previously worked at SagePoint Financial, Inc. for 14 years. Wagner also serves as president of Wagner Loftin Investment Services LLC, a registered investment adviser managing client accounts. OSAIC serves a diverse range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and advisory services, financial planning, and access to third-party investment solutions. The firm employs a variety of asset-allocation tools and supports both discretionary and non-discretionary account management.

Gregory Mccormac is a financial advisor at Wells Fargo Clearing with 17 years of industry experience. He holds a Series 66 designation and has worked at Wells Fargo Clearing since 2016, following five years at Wells Fargo Advisors LLC and over two decades at Wells Fargo Bank. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans. The firm’s IPS-driven advisory process incorporates modern portfolio theory and offers both non-discretionary and discretionary services, including a Plan Level Investment Selection 3(38) option, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in its investment menus.

Ysela Madrigal is a financial advisor at Primerica Advisors with 16 years of industry experience. She holds Series 63 and Series 66 designations and has worked previously at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm operates through a large network of advisors and utilizes model-delivery strategies managed by unaffiliated asset managers.

Kathryn Hannigan is a financial advisor at Morgan Stanley with four years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley since 2019. Her prior experience includes roles at Boardwalk Investment Group, Inc. and involvement with De La Salle High School and Vibe Volleyball Club. Morgan Stanley Wealth Management provides advisory programs to individual and institutional clients, offering tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and delivers comprehensive service through its wide range of retail and institutional offerings.

Cara Zeller is a Series 66-licensed financial advisor with Morgan Stanley in Walnut Creek, CA, where she has worked since 2009. She has 18 years of industry experience. 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 and estate planning strategies, managing approximately $2.74 trillion in client assets.

Celeste Gurule is a financial advisor at OSAIC with 39 years of industry experience. She holds the CFP® designation and the Series 63 license. Prior to joining OSAIC in 2025, she worked for Lincoln Financial Advisors Corporation from 1987 to 2025. Outside of her advisory role, she is involved in managing insurance-related activities and operates a legal entity offering fixed and indexed annuity products. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and investment advisory services supported by asset-allocation tools, risk assessments, and access to third-party money managers.

Claude Bishop is a financial advisor with Osaic, holding a Series 66 designation and bringing 24 years of industry experience. Prior to joining Osaic in 2025, he worked at Lincoln Financial Advisors and Kestra Financial Services, Inc. He is also the owner of a CPA firm where he provides tax preparation and planning services, and occasionally advises selected clients on life insurance coverage. Osaic Wealth, Inc. serves a wide range of retail and institutional clients through a large network of affiliated advisors, offering integrated brokerage and investment advisory services. The firm utilizes advanced asset-allocation tools and third-party resources to manage diversified portfolios across various asset classes.

Gregory Hunter is a financial advisor at Cetera with 27 years of industry experience and a Series 66 designation. He has held various roles within Avantax and Cetera since 2007 and operates multiple tax and accounting businesses as managing partner and president. Hunter also provides fixed indexed annuities sales and financial planning services through his own entities. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, retirement plan, corporate, charitable, and institutional clients nationwide. The firm offers portfolio management, financial planning, and consulting through a multi-manager platform with access to a broad range of program options and third-party managers.

Samantha De Vito is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing nine years of industry experience. She has been with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2016. 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 select group of Wealth Advisors. The firm combines large institutional advisory operations with additional market-facing registrations, delivering recommendations on a non-discretionary basis while clients retain final decision-making authority.