Jeffrey Miller is a financial advisor with MassMutual Investors Services, holding Series 63 and Series 65 licenses and bringing 17 years of industry experience. He has been with MML Investors Services Inc since 2009 and MassMutual Life Insurance Company since 2008. Outside of his advisory work, Miller serves as a high school swim coach. MassMutual Investors Services operates as a subsidiary of MassMutual and provides ongoing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers a range of programs including wrap and money-manager services, along with educational seminars.

Jay Hargis is a financial advisor at UBS Financial Services with three years of industry experience. He holds a Series 66 designation and previously worked in public education with Boston Public Schools and Malden Public Schools, as well as at Cbiz. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including portfolio management and fee-based financial planning. The firm combines institutional trading capabilities with wealth management services, leveraging proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances.

Michael Chong is a CFP® professional with 18 years of industry experience, currently serving as a financial advisor at LPL Financial since 2021. His prior experience includes roles at Contra Costa Christian Schools, Ameritas Life Insurance, Waddell & Reed, and involvement with Big King Inc and Diablo Divorce, the latter being a business entity related to his financial advisory practice. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a wide range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by proprietary research and third-party subadvisors.

Brian Lopipero is a financial advisor with UBS Financial Services in Walnut Creek, CA, holding Series 63 and Series 66 licenses and five years of industry experience. He previously worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. from 2020 to 2022, and at Ecolab from 2014 to 2020. Outside of his advisory role, he operates a small business selling baseball cards on eBay. 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 integrates proprietary research and institutional trading capabilities to deliver tailored investment solutions.

Deborah Tharp is a financial advisor at Morgan Stanley with 28 years of industry experience. She holds Series 63 and Series 65 designations and has worked at various divisions within Morgan Stanley since 2009. Morgan Stanley Wealth Management provides a range of advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets through structured planning processes and firm-supported investment tools.

Sabrina Julian is a financial advisor with Cetera, holding Series 63 and Series 65 designations and bringing 24 years of industry experience. She has been with Cetera and affiliated entities since 2013. Outside of her advisory role, she provides organizing services specifically aimed at helping single women manage documents and downsize, and she has served as a past president of the Angels-Murphy Rotary Club, participating in community service projects. Cetera Investment Advisers LLC distributes its services through a nationwide network of independent advisors, serving individual, employer-sponsored, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services and operates a multi-manager platform with access to various investment strategies and program structures.

David Bail is a financial advisor with Morgan Stanley in Santa Cruz, CA, holding a Series 63 credential and bringing 34 years of industry experience. He has worked with Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009. Outside of his advisory role, Bail is involved in agricultural planning and development through Farm DHB LLC and participates in online retail sales as a partner in ReUseBricks.com LLC. Morgan Stanley Wealth Management offers a broad range of advisory services to individual and institutional clients, utilizing structured financial planning tools and maintaining approximately $2.74 trillion in client assets.

Morgan Becker is a financial advisor at Morgan Stanley with 29 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, N.A. since 2015 and at Morgan Stanley Smith Barney LLC since 2009. Becker serves as a board member for Abate Med, Inc., a biotech drug development company, and is involved with the Walnut Creek Chamber of Commerce and the Young Leaders Division of the Jewish Community Federation. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer serving both individual and institutional clients. The firm offers comprehensive financial planning and investment advisory services, managing approximately $2.74 trillion in client assets through a range of tailored programs.

Blake Van Grouw is a financial advisor at Morgan Stanley in San Francisco, holding Series 63 and Series 65 licenses with eight years of industry experience. His prior work includes roles at JP Morgan Chase Bank, J.P. Morgan Securities, and First Republic Bank and its affiliated securities company. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individuals and institutional clients, including tailored financial planning services supported by advanced planning tools and firm-approved methodologies.

John Fraser is a financial advisor with Morgan Stanley, holding a Series 66 designation and one year of industry experience. Before joining Morgan Stanley, he worked at SoftwareONE and Oracle Corporation. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by structured discovery and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and provides advisory services across multiple financial products and strategies.

Richard Wald is a financial advisor with Merrill in Walnut Creek, CA, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He has worked at Merrill since 1986 and at Bank of America since 2009. Outside of advising, he is a co-manager of a for-profit entity owning residential rental property with his spouse. Merrill provides managed account services to Bank of America fiduciary clients through model-based and discretionary investment strategies, serving individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Greg Coburn is a CFP® professional with over 32 years of experience in the financial industry. He is currently with LPL Financial and has held roles at Bank of the West and BancWest Investment Services since 2016. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing discretionary and non-discretionary management supported by research from LPL Research and third-party subadvisors.

Timothy Hintzoglou is a CFP®-designated financial advisor with 28 years of industry experience. He is currently affiliated with Cetera Wealth Services, LLC and Cetera, where he has worked since 2025. His prior experience includes long-term roles at Avantax Insurance Agency, LLC and Avantax Investment Services, Inc. Outside of his advisory work, he serves on the board of the nonprofit ARM of Care, Inc. and is a trustee for Walnut Creek Presbyterian Church as well as the Ray Matthes 1997 Trust. Cetera Investment Advisers LLC is a nationwide SEC-registered firm offering portfolio management, financial planning, and retirement services to individuals, employer-sponsored plans, corporate, charitable, and institutional clients. The firm operates as a multi-manager platform providing access to a range of investment strategies and program structures with over 10,000 advisors and more than $256 billion in assets under management.

Yaochao Wei is a financial advisor at Merrill with four years of industry experience. He holds a Series 66 designation and has been with Merrill since 2016. Prior to joining Merrill, he worked for Sincere Home Decor from 2014 to 2016. Outside of his advisory role, Wei is a co-owner of a family rental property. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies. The firm serves a diverse client base including individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Marja Rusch is a financial advisor with Wells Fargo Clearing and holds a Series 66 designation. She has been with Wells Fargo Clearing Services, LLC since 2021 and Wells Fargo Bank, NA since 2006. Although she has no industry experience as an advisor, she has over 20 years with Wells Fargo in other capacities. Wells Fargo Advisors is a national securities firm providing investment advisory, financial planning, and retirement plan consulting services to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute.

Dominic Mc Kenna is a financial advisor with Edward Jones in Alameda, CA, holding Series 63 and Series 66 designations and bringing 27 years of industry experience. He has been with Edward Jones since 1996. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and proprietary mutual funds, operating under a fiduciary standard.

Christine Mccomas is a financial advisor at Wells Fargo Clearing with 12 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Wells Fargo Clearing since 2016, following four years with WELLS FARGO Advisors, LLC. 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 grounded in modern portfolio theory, incorporating a broad range of financial products including insurance-related vehicles and bank deposit sweep options.

Sally Jermain is a financial advisor at Cambridge Investment Research Advisors with 25 years of industry experience. She holds the CFP® and Series 66 designations. Prior to joining Cambridge in 2024, she worked at LPL Financial for eight years. Outside of her advisory work, she owns a business related to Qigong and Medical Qigong and is involved in a performing arts business. Cambridge Investment Research Advisors serves a diverse range of clients, including individuals, pension and profit-sharing plans, charitable organizations, and trusts. The firm provides financial planning, investment management, retirement plan advisory, and financial-wellness services through a network of independent professionals, offering both proprietary and third-party investment strategies across multiple platforms.

Peggy Hatch is a financial advisor at Fidelity with 17 years of industry experience. She holds Series 63 and Series 65 licenses and has worked with Fidelity Personal and Workplace Advisors since 2018. Her career at various Fidelity affiliates dates back to 2013. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, employing proprietary fundamental research combined with quantitative analysis and algorithmic portfolio construction to manage portfolios that include mutual funds, ETFs, and ETPs.

Stephen Butterfield is a financial advisor with RBC Capital Markets in Walnut Creek, CA, holding Series 63 and Series 66 licenses and 14 years of industry experience. He has been with RBC Capital Markets since 2018 and previously worked at Dublin Mazda and Ascentis. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers multiple advisory programs with tailored investment strategies, combining in-house and third-party managers along with customizable portfolio management options.