William Pollak is a financial advisor with LPL Financial in Walnut Creek, CA, holding a Series 66 designation and 16 years of industry experience. He worked at Morgan Stanley for one year before joining LPL Financial in 2011. 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 financial planning, model portfolio programs, third-party asset management, and institutional platforms, with advice and account management delivered primarily by investment adviser representatives utilizing a range of investment strategies.

Robert Morgan III is a CFP® professional with 24 years of industry experience. He is currently with Wells Fargo Clearing, where he has worked for 10 years, and previously spent six years at A. G. Edwards & Sons, Inc. Outside of his advisory role, he is involved in managing a rental property jointly owned with his spouse. 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 approximately $671 billion in assets through more than 14,000 financial advisors, offering a combination of brokerage and advisory solutions supported by research and analytics.

Christina Egkan is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. She previously worked at First Republic Securities Company and First Republic Bank for eight years before joining J.P. Morgan in 2023. 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 and fund searches, and customized performance reporting. Their advisory approach combines quantitative and qualitative research with forward-looking capital market assumptions to build model asset allocations.

Michael Kidd is a financial advisor at Morgan Stanley with 35 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Wells Fargo Investments. Kidd has been with Morgan Stanley since 2011, including time at its Private Bank division. 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 focused on tailored financial planning, managing approximately $2.74 trillion in client assets.

Milton Guzman is a CFP®-certified financial advisor with 16 years of industry experience. He is currently with LPL Financial and has previously worked at Advantage Wealth Advisors, First Allied Advisory Services, Merrill, and Morgan Stanley. 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 advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a large network of over 22,000 advisors.

Kelly Strand is a financial advisor at Merrill Lynch Wealth Management. She specializes in managing new wealth, personal retirement planning, portfolio management services, women and wealth, tax minimization, and retirement income. Kelly employs a goals-based planning approach to develop personalized financial strategies tailored to her clients' long-term aspirations. Prior to her current role, Kelly gained experience in commercial banking, which informs her work with clients on retirement solutions, tax minimization strategies, and navigating diverse economic landscapes. She holds professional designations including CERTIFIED FINANCIAL PLANNER (CFP), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Kelly earned her Bachelor's Degree from the University of California San Diego. In addition to her professional responsibilities, Kelly is involved in community coaching as a Special Olympics Coach. Her personal interests include gardening, hiking, pickleball, reading, running, skiing, spending time with her family, traveling, and practicing yoga. Kelly communicates in both English and American Sign Language (ASL).

Kent Johansson is a financial advisor with UBS Financial Services in Walnut Creek, CA, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. He has been with UBS Financial Services since 2007. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services to provide tailored financial planning and portfolio management.

Nicholas Schweigert is a financial advisor at Merrill with seven years of industry experience. He holds the Series 66 designation and has been with Merrill and Bank of America since 2013. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services through the Select Portfolio Solutions Program, providing model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Adam Messinger is a Series 66 licensed advisor with Merrill in Walnut Creek, CA, bringing 23 years of industry experience. He has been with Merrill since 2003 and has worked at Bank of America, N.A. since 2011. 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 both model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Samantha Gruwell is a financial advisor at Morgan Stanley in Walnut Creek, CA, holding a Series 66 credential. She joined Morgan Stanley in 2025 and has prior experience working for Pixar Animation Studios for 13 years. Outside of finance, she operates Samantha Gruwell Weddings, an entrepreneurial venture. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a variety of advisory programs to individuals and institutions, including tailored financial planning supported by firm-approved tools and methodologies.

Alejandro Saavedra is a Series 66 licensed financial advisor with four years of industry experience. He is currently with J.P. Morgan Securities and has previously worked at Morgan Stanley and Bank of America Merrill Lynch. 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 and fund searches, and customized performance reporting. Their advisory process combines quantitative and qualitative research and includes broader derivatives and commodities capabilities.

Nicholas Ng is a financial advisor at Merrill with eight years of industry experience. He holds the Series 66 designation and has been with Bank of America and Merrill since 2015. 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 plans, corporations, and charitable organizations.

James Agrusa is a financial advisor with Ameriprise, holding a Series 66 designation and 24 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. In addition to his advisory role, he is involved in independent insurance brokering with Blue Shield of California and Kaiser Permanente. Ameriprise provides retirement-income planning services targeted at individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Vincent Dinneen is a financial advisor with Cetera, holding Series 63 and Series 66 registrations and bringing 41 years of industry experience. He has worked at Cetera and its affiliated entities since 2022 and began owning and operating Enhanced Financial Group, a financial services firm, in 2024. 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 consulting services through a multi-manager platform that includes both affiliated and third-party managers, supporting various program structures and custodial relationships.

Susan Kramer is a financial advisor at OSAIC with 39 years of industry experience. She holds a Series 63 designation and has worked at several firms, including Royal Alliance Associates, Signator Investors, and Transamerica Financial Advisors. OSAIC Wealth serves a diverse client base, including retail investors, retirement plans, charities, and corporate clients, offering brokerage and advisory services through a multi-advisor platform. The firm’s investment approach focuses on model-based asset allocation and portfolio optimization, providing a range of programs and third-party manager options.

William Fox is a financial advisor at Merrill in Walnut Creek, CA, holding a Series 66 designation with six years at Merrill and three years previously at Bank of America. Before entering financial services, he worked in automotive sales at San Leandro Chrysler Dodge Jeep Ram for three years. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, providing model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Ed Choe is currently the Vice President and Branch Leader at Fidelity Investments, a position he has held since 2022. He has developed a career in financial services spanning over a decade, with previous roles including Director and Market Leader at Bank of America Merrill Lynch from 2015 to 2022, Vice President and Market Sales Manager at Merrill Lynch from 2013 to 2015, Assistant Vice President and Financial Advisor at Merrill Lynch between 2011 and 2013, and Financial Advisor at Morgan Stanley Smith Barney from 2010 to 2011. Ed holds a California Insurance License and focuses on helping clients, teammates, and the communities they serve. Outside of his professional responsibilities, he engages in activities such as golf, music, outdoor adventures, tennis, traveling, and volunteering.

Matthew Koob is a financial advisor at Morgan Stanley in Orinda, CA, holding a Series 66 designation. He joined Morgan Stanley in 2025 and has experience working with Northwestern Mutual and Colorado State University prior to his current role. 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 methodologies. The firm manages approximately $2.74 trillion in client assets and provides services including estate planning and diversified investment strategies.

Christian Lopez Ruiz is a financial advisor at Wells Fargo Clearing with three years of industry experience. He holds the Series 66 designation and has prior experience at Bank of America, Merrill, and California State University: East Bay. Outside of traditional financial roles, he has engaged in various self-employment activities including ridesharing and delivery services. 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 combines research from Wells Fargo Investment Institute and third parties with a broad range of brokerage and advisory solutions.

Ryan Chand is a financial advisor with LPL Financial in Walnut Creek, CA, holding a Series 66 designation and three years of industry experience. He has been involved with The Jaz Team since 2018 and participates in AMO Soccer Academy. 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 a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by advanced operational tools.