Kevin Phillips is a Series 66-licensed financial advisor with Morgan Stanley in Walnut Creek, CA, bringing 13 years of industry experience. He has worked with Morgan Stanley since 2013 and has been part of Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and uses firm-approved planning tools and investment models as part of its financial planning process.

Colin Le Coque is a financial advisor at Morgan Stanley in Walnut Creek, CA, holding a Series 66 designation with one year of industry experience. Prior to joining Morgan Stanley, he worked at Blue Ocean Capital and was involved with Friday Night Lights Youth Flag Football. He also has a background that includes education and community-related roles. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a range of advisory programs to individuals and institutional clients. The firm provides tailored financial planning supported by structured discovery processes and modeling tools, managing approximately $2.74 trillion in client assets.

Philip Zhang is a Senior Financial Advisor at Merrill Lynch Wealth Management. He specializes in assisting clients with various aspects of their financial lives, including retirement planning, tax reduction strategies, wealth growth and preservation, and establishing reliable income plans throughout their life. Philip emphasizes building trusted, respectful relationships and delivers clear, professional advice through a thoughtful, proven approach centered on goals-based wealth management. Philip's approach focuses on starting with what matters most to each client, tailoring plans to individual personalities and situations, and optimizing the use of the client's resources. His expertise encompasses equity compensation services, family wealth management strategies, personal retirement planning, portfolio management, women and wealth, and retirement income. Philip holds a Bachelor's Degree from the University of California at Davis and professional designations as a CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA) and Personal Investment Advisor (PIA). Outside of work, he is involved in community activities, including coaching his son's Little League baseball team, and has interests in baseball, basketball, boxing, golfing, skiing, spending time with his family, traveling, and woodworking.

Alejandro Segura is a financial advisor with Charles Schwab in Berkeley, CA, holding a Series 66 designation and six years of industry experience. His prior work includes roles at Wells Fargo Clearing, Wells Fargo Bank, and State Farm. He has been with Charles Schwab and Charles Schwab Bank since 2019. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm offers a mix of non-discretionary and discretionary investment guidance utilizing multi-asset model portfolios and a centralized operational structure.

John Asher is a financial advisor with Morgan Stanley in Walnut Creek, CA, holding Series 63 and Series 65 credentials and bringing 41 years of industry experience. Prior to joining Morgan Stanley in 2017, he worked at UBS Financial Services for 11 years. Outside of his advisory role, he serves as a committee member of the WCPC Foundation, which supports scholarship and special projects at Walnut Creek Presbyterian Church, and is a board member of The Lowell Berry Foundation, a nonprofit focused on community, educational, and humanitarian efforts. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer serving individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in assets. The firm employs structured planning processes and broad investment services, including access to various advisory programs and institutional resources.

Shahan Avakian is a financial advisor at UBS Financial Services with 27 years of industry experience. He holds the Series 66 designation and previously worked at Morgan Stanley and its affiliated entities for 25 years. UBS Financial Services 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 and utilizes proprietary research and model-based asset allocations to tailor client strategies.

Jeffrey Stark is a financial advisor with LPL Financial in Lafayette, CA, holding Series 63 and Series 65 licenses and bringing 52 years of industry experience. He has worked at LPL Financial since 2009 and previously was with Associated Securities Corp. and Associated Planners Investment Advisory Inc. from 1997 to 2009. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment programs supported by a large network of advisors and employs both proprietary and third-party strategies.

Lawrence Fleming is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 15 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2011 to 2016. 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 and provides both brokerage and advisory solutions.

Angelique Seitz is a financial advisor at Morgan Stanley with nine years of industry experience. She holds a Series 66 designation and previously worked at First Republic Securities Company and First Republic Investment Management. She is currently based in Walnut Creek, CA. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and investment modeling in its advisory process.

Joshua Puckett is a financial advisor at Fidelity with 15 years of industry experience and holds a Series 66 designation. His prior roles include positions at Voya Retirement Advisors, Prudential Insurance Company of America, Bank of America, and Merrill Lynch Pierce, Fenner & Smith. Outside of his advisory work, he is a partner at Keen Eye Consultants LLC, where he assists with content production. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios across a broad investable universe.

Sean Nicholson is a financial advisor with Wells Fargo Clearing in Walnut Creek, CA, holding Series 63 and Series 66 licenses and five years of industry experience. His prior roles include positions at Bank of America, Merrill, JPMorgan Chase Bank, and Primerica. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and brokerage solutions. The firm manages approximately $671 billion in assets and employs over 14,000 financial advisors.

Tatia Mac Kinnon is a financial advisor with Ameriprise, holding a Series 66 designation and 27 years of industry experience. She has been with Ameriprise and its affiliate Ameriprise Financial Services since 2005. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning services that provide written recommendations and ongoing advice focused on dependable income and tax-aware withdrawal strategies.

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.