Nicole Tom is a financial advisor with Morgan Stanley in Walnut Creek, CA, holding a Series 66 designation and nine years of industry experience. She has been with Morgan Stanley since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques to support its advisory services.

Jacquelyn Mulford is a financial advisor at Merrill with 18 years of industry experience and holds a Series 66 designation. She has been with Merrill since 2007 and concurrently associated with Bank of America, N.A. since 2017. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering a range of model-based and discretionary investment strategies. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with trading, account administration, and custody support.

Mina Luke is a Financial Advisor with Merrill Lynch Wealth Management. She works closely with individuals, families, and professionals, particularly in the technology sector, to help them develop personalized financial strategies. Mina emphasizes a holistic approach to wealth management that goes beyond investment advice, aiming to understand her clients' unique circumstances, goals, and values. Her expertise includes guiding clients through retirement planning, business management, stock-based compensation, and wealth transfer strategies. By establishing one-on-one relationships, she collaborates with clients to craft financial plans focused not only on wealth accumulation and preservation but also on aligning with what matters most to them. Mina holds a Bachelor's Degree from Ain Shams University and the Personal Investment Advisor (PIA) designation. She is fluent in English, Arabic, and French. Outside of her professional role, she has interests in chess, gymnastics, music, reading, running, soccer, table tennis, traveling, watching movies, and spending time with her family.

Raymond Carlisle is a financial advisor at Thrivent Investment Management with 28 years of industry experience. He has been with Thrivent Financial for Lutherans and Thrivent Investment Management since 2002. Outside of his advisory role, he serves as a board member for the Birch Lakes Owners Association, overseeing common areas for commercial office properties. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of Financial Advisors. The firm offers comprehensive, goal-based planning across various topics, allowing clients to combine planning with managed-account services under a consolidated billing option called “WealthPlan.”

Brendan Hawes is a financial advisor at OSAIC based in Walnut Creek, CA. He holds Series 63 and Series 65 licenses and has less than one year of industry experience. Prior to joining OSAIC, he worked in various roles including positions at Delicato Family Wines and Columbia Distributing. OSAIC Wealth, Inc. serves a wide range of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and advisory services, financial planning, retirement consulting, and access to third-party money managers, employing asset-allocation tools and automated rebalancing to construct diversified portfolios.

Joel Drescher is a financial advisor at J.P. Morgan Securities with six years of industry experience. He has worked at Citi Private Bank, Merrill, Millennium Partners, and Drescher Capital. Outside of his advisory role, he serves as a co-coach for the East Bay Eclipse Soccer Club and lectures at UC Berkeley Haas Business School. 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 brokerage, distribution, and investment management capabilities.

Michael Baird is a financial advisor at OSAIC with 14 years of industry experience. He holds a Series 66 designation and has worked at firms including Bayshore Tax and Consulting and SECURITIES AMERICA, Inc. He is also involved in a sole proprietorship offering life insurance and long-term care coverage as part of his financial advisory services. OSAIC Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations. The firm provides a range of services such as brokerage and investment advisory, financial planning, and access to third-party money managers, utilizing asset allocation tools and automated rebalancing to manage portfolios across multiple asset classes.

David Lawrence II is a financial advisor at Morgan Stanley with 22 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and holds the Series 63 and Series 65 designations. Morgan Stanley Wealth Management serves both individual and institutional clients by offering a range of advisory programs, including tailored financial planning supported by structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and provides services that combine broad retail and institutional offerings.

Aaron Peabody is a financial advisor with Raymond James Financial holding a Series 66 designation and 17 years of industry experience. He has worked at Raymond James Financial Services Advisors, Inc. since 2023 and was previously with Summit Financial Group and Securian Financial Services. Peabody also serves as a broker for fixed insurance products. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual, high-net-worth, institutional, and nonprofit clients. The firm offers tailored, non-discretionary planning and supports municipal and public finance work, along with specialized programs such as SIMPLE IRA Employer Advisory & Consulting Services.

Mary Hanson is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 credentials and 22 years of industry experience. She has been with Cambridge Investment Research Advisors since 2012. Hanson is a board member of the Professional Women's Referral Group and serves as a networking leader for the San Ramon Chamber of Commerce. Cambridge Investment Research Advisors is a large SEC-registered firm serving a broad range of clients including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory through a network of independent Financial Professionals using multiple platform arrangements and both proprietary and unaffiliated model strategies.

John Keller is a financial advisor with Ameriprise in Walnut Creek, CA, holding a Series 63 designation and 30 years of industry experience. He has worked at Ameriprise and its affiliate since 2005. Keller participates in a member expense sharing arrangement with other Ameriprise advisors to support shared business infrastructure. Ameriprise offers retirement-income planning services targeting individuals with substantial investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored recommendations. The firm delivers a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

David Minor is a financial advisor with Ameriprise in Walnut Creek, CA, holding Series 63 and Series 65 licenses and bringing 21 years of industry experience. He has been with Ameriprise and its related entities since 2010. Minor serves on the board of directors for COTAP, a nonprofit organization. Ameriprise offers retirement-income planning services aimed at individuals approaching or in retirement, with a focus on clients who meet specific asset criteria. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Heidi Crocker is a financial advisor at UBS Financial Services with five years of industry experience. She holds a Series 66 designation and has worked at UBS Financial Services and Morgan Stanley Smith Barney LLC. Prior to her professional financial career, she spent twelve years engaged in homemaking. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor client plans.

Jessica Chan is a CFP® with 11 years of industry experience, currently serving at Mass Mutual Investors Services since 2017. She previously worked at MetLife Securities Inc. from 2015 to 2017. In addition to her advisory role, she is a part-time instructor teaching personal financial planning courses at UC Berkeley Extension. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides ongoing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm uses technology-based analysis tools and offers specialized planning programs including estate settlement and employer-sponsored planning.

Virginia Price is a financial advisor with Wells Fargo Clearing in Tiburon, CA, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2011 to 2016. 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, incorporates modern portfolio theory, and includes a broader set of financial products such as insurance-related vehicles and bank deposit sweep options.

Casey Pena is a financial advisor at Cetera with 23 years of industry experience. He has held positions at Cetera since 2019 and previously worked at Foresters Financial Services from 2011 to 2019. He holds Series 63 and Series 66 designations. Cetera Investment Advisers LLC serves individual and institutional clients through a nationwide network of independent advisors. The firm offers a variety of portfolio management and retirement services, utilizing a multi-manager platform that includes both affiliated and third-party managers.

Denise Freedman is a financial advisor with Morgan Stanley, holding Series 63 and Series 66 licenses and bringing 18 years of industry experience. She has worked at Morgan Stanley Smith Barney since 2009 and has been with Citigroup Global Markets, Inc. since 2005. 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 supported by firm-approved tools and methodologies, and manages approximately $2.74 trillion in client assets.

Xiao Zhou is a financial advisor at Wells Fargo Clearing with 20 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 with Wells Fargo Bank, N.A. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services grounded in modern portfolio theory. The firm’s approach includes a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Lou Chien Huang is a financial advisor at J.P. Morgan Securities with four years of industry experience. His background includes roles at JPMorgan Chase Bank, Citigroup, Thrivent Investment Management, and United Air Lines. 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. The firm delivers these advisory services alongside affiliated brokerage and investment management capabilities, operating on a non-discretionary basis where clients retain final decision-making authority.

Kevin Dommes is a financial advisor with UBS Financial Services in Walnut Creek, CA, holding a Series 66 designation and 12 years of industry experience. He has been with UBS Financial Services and UBS Bank USA since 2016. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, leveraging proprietary research and a broad range of capital markets and banking products.