Kelly Strand is a financial advisor at Merrill Lynch Wealth Management. She works with clients using a goals-based planning approach to create personalized financial strategies aimed at helping clients pursue their financial goals. Kelly's expertise includes retirement solutions, tax minimization strategies, managing new wealth, personal retirement planning, portfolio management services, women and wealth, and retirement income. Kelly holds a Bachelor's Degree from the University of California San Diego and holds several professional designations including CERTIFIED FINANCIAL PLANNER (CFP), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). She applies a mindset shaped by her experience as a former collegiate track and field hurdler, focusing on preparation and staying composed to help clients navigate financial challenges. Outside her professional role, Kelly is involved as a Special Olympics coach. Her personal interests include gardening, hiking, pickleball, reading, running, skiing, spending time with family, traveling, and practicing yoga.

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.

Adam Messinger is a Series 66-licensed financial advisor with Merrill, based in Walnut Creek, CA, and has 22 years of industry experience. He has worked at Merrill since 2003 and has been affiliated with Bank of America, N.A. since 2011. 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 to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

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 financial advisor at J.P. Morgan Securities with four years of industry experience. He holds a Series 66 designation and previously worked at Morgan Stanley and Bank of America Merrill Lynch. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its investment recommendations.

Roger Pelphrey is a financial advisor with Primerica Advisors in Danville, CA, holding Series 63 and Series 65 licenses and over 22 years of industry experience. He has been associated with PFS Investments Inc. since 2003 and Primerica Financial Services since 2002. Outside of his advisory role, he is a franchise owner of Osteostrong in Houston, TX and Dublin, CA, and works as a soccer referee in Danville. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and a limited number of separately managed account options to individual and high-net-worth clients. The firm curates third-party asset managers and employs a tiered wrap fee structure, with portfolio implementation delegated to BNY Mellon Advisors.

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.

Arjun Rawat is a financial advisor at Edward Jones with eight years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at Bank of America, Merrill Lynch Pierce Fenner & Smith Inc, and Wells Fargo Clearing Services. He is based in San Ramon, CA. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Susan Kramer is a financial advisor at OSAIC Wealth, Inc. with 39 years of industry experience. She holds the Series 63 designation and previously worked at Royal Alliance Associates, Inc. and Signator Investors, Inc. before joining OSAIC in 2023. OSAIC Wealth, Inc. serves a diverse range of retail and institutional clients, offering integrated brokerage and investment advisory services through a large network of affiliated advisers. The firm employs various asset-allocation tools and third-party solutions to manage portfolios across multiple investment types on both discretionary and non-discretionary bases.

William Fox is a financial advisor at Merrill with a Series 66 designation and six years of experience at Merrill following three years at Bank of America. He previously worked in the automotive industry at San Leandro Chrysler Dodge Jeep Ram for three years. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a diverse client base including individuals, high-net-worth clients, and institutional investors.

Michael Schomaker is a CFP® with 11 years of industry experience, currently serving as a financial advisor at Raymond James Financial Services Advisors, Inc. He previously worked at Securian Financial Services Inc. and Minnesota Life. Outside of his advisory role, he is an independent contractor with Summit Financial Group. Raymond James Financial Services Advisors, Inc. serves a diverse client base, including individual investors, high-net-worth clients, pension plans, and institutional entities. The firm provides financial planning and non-discretionary investment consulting through a variety of advisory and implementation options, supported by comprehensive research and an extensive affiliate network.

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 at LPL Financial with three years of industry experience. He holds a Series 66 designation and has been involved with The Jaz Team since 2018. Outside of his advisory role, he is also associated with AMO Soccer Academy. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, corporations, and charitable organizations. The firm offers various advisory programs, financial planning, and retirement consulting, supported by research and model portfolios.

Malgorzata Suligowska Rees is a financial advisor at Morgan Stanley with five years of industry experience. She holds the Series 66 designation and has been with Morgan Stanley since 2019. Outside of her advisory role, she operates a sole proprietorship involved in property management in London, UK. Morgan Stanley Wealth Management provides a wide range of 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 financial planning process utilizing firm-approved tools and modeling techniques.

Samuel Eisenberg is a financial advisor with Ameriprise in Walnut Creek, CA, holding a Series 66 designation and three years of industry experience. He previously worked at BlackRock Financial Management for 21 years before joining Ameriprise in 2021. Ameriprise offers a retirement-income planning service targeted at individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations delivered through a centralized consulting team.

Kristeena Brown is a financial advisor at Ameriprise with 11 years of industry experience. She holds Series 65 and Series 63 licenses and has worked previously at J.P. Morgan Securities and JPMorgan Chase Bank. Brown is also an Associate Financial Advisor at The WOWM Group LLC, where she manages an advisory business. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, known for its Premier Retirement Income service that provides ongoing retirement income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Nicholas Elliott is a Series 66-licensed financial advisor with Equitable Advisors, based in Walnut Creek, CA, and has one year of industry experience. Prior to joining Equitable Advisors, he worked at Michael Dooher and has diverse experience in hospitality and service roles, including at Appellation Lodi Wine & Roses Resort & Spa where he remains active. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement plan support, and access to asset management through a variety of third-party managers. The firm employs a hybrid referral and implementation model, combining advisory and brokerage channels to tailor services based on client goals and risk tolerance.