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.

Robert Samuels is a financial advisor at Charles Schwab & Co., Inc. with 23 years of industry experience. He holds Series 63, 65, and 66 licenses and has been with Charles Schwab since 2016. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a combination of non-discretionary investment guidance and access to discretionary separately managed accounts. The firm is notable for its scale, integrated operational structure, and a formal approach to alternative investments and cash-sweep services.

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.

Josephine White is a financial advisor at Merrill with a Series 66 designation and 21 years of industry experience. She has worked at Merrill since 2005 and has been with Bank of America, N.A. since 2011. Outside of her advisory role, she is a board member of the Rotary Club of Alameda, where she participates in community service activities including tree planting, food distribution, scholarship funding, and support for immigrants. 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 investment strategies for individuals, high-net-worth clients, and various organizations.

Jessica Steffensen is a Series 66 licensed financial advisor with Cetera, bringing two years of industry experience. She has worked at Cetera and Avantax Advisory Services and has a background in tax and accounting, managing a tax services firm that provides tax preparation, planning, and bookkeeping. Steffensen also serves as the Chief Financial Officer for a local nonprofit community pool association. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services with a multi-manager platform that includes affiliated and third-party managers, covering diverse program structures and custodial relationships.

Alex Baldwin is a financial advisor with Morgan Stanley Wealth Management in Walnut Creek, CA, holding Series 63 and Series 66 licenses and bringing four years of industry experience. He has worked at Morgan Stanley and Fidelity Investments and is involved with the JV Bubby Baldwin Service and Conservation Foundation Corp, which focuses on education, environmental conservation, and community welfare. Morgan Stanley Wealth Management offers a wide range of advisory programs to individual and institutional clients, emphasizing structured financial planning and diverse investment solutions.

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.

Karan Singh is a Planning Consultant at Fidelity Investments, a role he has held since 2026. In this position, he collaborates with clients to identify and plan for key financial goals, developing streamlined strategies to manage complex financial relationships. His professional experience includes roles as a Financial Solutions Advisor at Merrill-BofA from 2025 to 2026, Senior Premier Banker at Wells Fargo from 2024 to 2025, Associate Premier Banker at Wells Fargo from 2022 to 2024, Personal Banker at Wells Fargo from 2021 to 2022, and Bank Teller at Wells Fargo from 2019 to 2021. This progression reflects his expertise in financial services and client relationship management. Karan holds a California Insurance License. Outside of his professional work, he has interests that include badminton, cars, outdoor adventures, running, and traveling.

Ronald Wagner is a financial advisor at OSAIC with 35 years of industry experience. He holds Series 63 and Series 65 designations and previously worked at Sagepoint Financial, Inc. for 14 years. Wagner is also president of Wagner Loftin Investment Services LLC, an investment advisory firm he has managed since 1993. OSAIC Wealth serves a diverse range of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including comprehensive financial planning and model-based portfolio management. The firm is notable for its scale, complex affiliate structure, and integrated investment and lending solutions.

Gregory Mccormac is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 18 years of industry experience. He has been with Wells Fargo Bank since 1997 and joined Wells Fargo Clearing in 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 offers both brokerage and advisory solutions, relying on research and analytics from the Wells Fargo Investment Institute and other sources to guide investment selection.

Ysela Madrigal is a financial advisor with Primerica Advisors in Concord, CA, holding Series 63 and Series 66 licenses and bringing 17 years of industry experience. Prior to joining Primerica Advisors, she worked at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities for a combined 14 years. Primerica Advisors serves primarily individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable entities. The firm offers a wrap-fee asset management program featuring model-based investment strategies supported by third-party asset managers and custodians.

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 financial advisor at Morgan Stanley with 19 years of industry experience. She has worked at Morgan Stanley Smith Barney since 2009 and had a prior role at Citigroup Global Markets from 2008 to 2009. She holds the Series 66 designation and is based in Walnut Creek, CA. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and market modeling techniques.

Celeste Gurule is a CFP® with 39 years of industry experience, currently serving at OSAIC since 2025. She previously worked for Lincoln Financial Advisors Corporation for 38 years. Gurule is involved with California Fringe Benefit, offering various insurance products, and owns Momentum Value Partners, LLC, which provides fixed and indexed annuities and other insurance products. OSAIC Wealth serves a broad mix of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including comprehensive financial planning and managed portfolios. The firm’s investment approach emphasizes model-based asset allocation and portfolio optimization supported by risk-tolerance analysis and multiple investment program options.

Claude Bishop is a financial advisor at Osaic with 24 years of industry experience. He holds a Series 66 designation and has previously worked at Lincoln Financial Advisors and Kestra Financial Services. Outside of his advisory role, he owns a CPA firm through which he provides tax preparation and planning services. Osaic Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a variety of brokerage and advisory services, utilizing a model-based investment approach with multiple program options and a network of affiliated entities.

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.

Guy Ben Ari is a financial advisor with Edward Jones in Alameda, CA, holding CFP® and Series 66 designations and 17 years of industry experience. He has worked at Edward Jones since 2009. He serves as a board member of the Peralta Colleges Foundation. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including both high-net-worth and non-high-net-worth households. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs with a nationwide network of over 23,000 financial advisors.

Samantha De Vito is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. She holds Series 63 and Series 66 licenses and has been with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2016. 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 searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research with an ESG eligibility framework, supporting its recommendations through centralized due diligence.