Daniel Albert is a financial advisor at Morgan Stanley with 37 years of industry experience. He has worked with Morgan Stanley Private Bank, National Association since 2015 and with Morgan Stanley Smith Barney since 2011. He holds Series 63 and Series 65 licenses. 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 uses structured planning tools such as Secular Return Estimates and Monte Carlo simulations in its financial planning process.

Jesus Jerez Pedroza is a financial advisor at Fidelity with seven years of industry experience. He holds the Series 63 and Series 65 designations. His prior experience includes roles at Northwestern Mutual Investment Services LLC and Michael Byrne. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors, employing a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its advisory role to multiple registered investment companies and its use of systematic methodologies and AI-driven research.

Adam Koplan is a financial advisor at Morgan Stanley with 26 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Outside of his advisory role, he is involved in managing rental property in Moraga, California. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and research. The firm manages approximately $2.74 trillion in client assets and provides planning services through financial advisors and its Estate Planning Strategies Group.

Erik Pulley is a financial advisor with Morgan Stanley in Oakland, CA, holding Series 63 and Series 65 designations and having 28 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2009 and at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a broad range of advisory programs to individuals and institutional clients, including customized financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that incorporates proprietary tools and market modeling methods.

Steven Serotte is a financial advisor with Mass Mutual Investors Services in Pleasant Hill, CA. He holds the ChFC® designation and securities licenses Series 63, 65, and 66, with 24 years of industry experience. He has worked at Lenox Advisors, Inc. since 2002 and MML Investors Services, Inc. since 2001, also affiliated with MassMutual since 1996. Outside of advisory work, he is an insurance agent specializing in individual and group life and health insurance. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, wrap and money-manager programs, and educational seminars, with planning engagements structured as annual, collaborative relationships using firm-approved analytical tools.

Bobby Klarman is a Vice President and Financial Consultant at Fidelity Investments. In this role, he partners with families to help them transform complex financial goals into clear, actionable plans. He focuses on strategic retirement planning, investment strategies, and comprehensive income plans to support clients in making informed decisions for their financial future. Bobby began his career at Fidelity Investments as a Financial Representative in 2021 and has held several positions within the company, including Investment Consultant and Financial Consultant, before his current role starting in 2025. He holds a California Insurance License. Outside of his professional work, Bobby enjoys bowling, gardening, golf, parenthood, and traveling.

Megan McNealy is a Senior Vice President and Wealth Management Advisor at Merrill Lynch Wealth Management with over 28 years of experience. She is a CERTIFIED FINANCIAL PLANNER® professional and an Investment Professional. Megan leads the McNealy & Associates team, specializing in working with Senior Corporate Executives who have complex financial circumstances and limited time. Her services include wealth preservation strategies, concentrated position management, 10b5-1 trading plans, and comprehensive financial planning aimed at achieving lasting financial freedom. Megan graduated cum laude from Cornell University and earned her Master's degree from Northwestern University. Prior to joining Merrill Lynch, she was a third-generation member of the Chicago Board of Trade. Her work highlighting leadership and well-being has been featured in various business publications, and she has been recognized on Forbes' Top Women Wealth Advisors Best in State list for multiple years. In addition to her professional work, Megan is involved in community activities such as being a certified handler/dog team member with the Alliance of Therapy Dogs and volunteering with Virgin Unite's 100% Human at Work initiative. She resides in Northern California with her family and pets.

Rodney Haug is a financial advisor with UBS Financial Services in Walnut Creek, CA, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. He has been with UBS Financial Services since 2016. UBS Financial Services serves individual, corporate, and institutional clients by offering 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 advice to clients.

Luis Almendarez Jr. is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. His prior roles include positions at Merrill, Bank of America, and UnionBanc Investment Services. He serves as a board member of the US Fiji Chamber of Commerce and is an ambassador for the South San Francisco Chamber of Commerce. Cetera Investment Advisers LLC operates a large nationwide network of independent advisors, serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with discretionary and non-discretionary options.

Thomas Alderson is a financial advisor at Ameriprise with 17 years of industry experience and holds a Series 66 designation. He has worked at various Ameriprise entities since 2016, with a brief period away from the industry in 2016–2017. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service providing written recommendation reports and ongoing planning advice focused on retirement income strategies.

Tate Peterson 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 held roles at Mariner Independent, LPL Financial, Ideal Financial Advisors, and New York Life Insurance Company. Outside of financial services, he was involved with the Human Optimization Center and Fire and Ice Therapies, LLC. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs and tailored financial planning using firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and offers services through both direct client relationships and corporate financial planning agreements.

Wai Chi Wong is a financial advisor at Charles Schwab with 26 years of industry experience. He holds Series 63 and Series 66 designations and has been with Charles Schwab since 2000, with a brief tenure at OptionsXpress, Inc. in 2017. Based in Danville, CA, his career has been focused within a leading national firm. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment guidance, utilizing multi-asset model portfolios and a distinctive operational structure that integrates advisory, brokerage, custody, and cash-sweep services.

Michael Peri is a financial advisor at Morgan Stanley with 41 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank since 2015, holding Series 63 and Series 65 licenses. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety 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 through its Financial Advisors and Estate Planning Strategies Group.

Scott Norris is a financial advisor at Merrill with 17 years of industry experience. He holds a Series 66 designation and has been with Merrill and Banc of America Investment Services, Inc. since 2007. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Philip Camicia is a financial advisor at Morgan Stanley with 42 years of industry experience. He holds a Series 63 designation and has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, as well as Citigroup Global Markets since 1993. Outside of his advisory role, he is a partner in a rental property business in Alameda, California. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and integrates structured planning tools and modeling techniques in its financial planning process.

Tabitha Balthasar Baguio is a financial advisor at Wells Fargo Clearing with two years of industry experience. She holds a Series 66 designation and has previously worked at Charles Schwab and ULTA Beauty. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services, managing roughly $671 billion in assets through a network of over 14,000 advisors.

William Abraham is a CFP® professional with four years of industry experience, currently affiliated with Cetera. He has held roles at Ready Wealth Advisors and Cetera Wealth Services and is involved in multiple financial services ventures. Outside of his advisory work, he serves as a deacon at Life Church and as a troop chaplain with Trail Life USA, both faith-based organizations. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform that includes affiliated and third-party model portfolios and strategies.

Michael Weintraub is a Series 63-licensed advisor with over 56 years of experience, currently affiliated with OSAIC. His career includes roles at Ascension Benefits & Insurance Solutions since 2010, NWF Advisory Services, Inc. since 2009, and Royal Alliance Associates, Inc. since 1994. He serves on the board of the Diablo Regional Arts Association, a local Center for the Arts. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, employing asset-allocation tools and third-party platforms to manage portfolios that can include a range of investment products.

Christopher Spence is a financial advisor with RBC Capital Markets, holding a Series 66 credential and 28 years of industry experience. He has been with RBC since 2018 and previously worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm offers a range of advisory programs and tailors investment strategies to clients’ risk profiles using a combination of in-house and third-party managers.

Diane Parker is a financial advisor at Cetera with four years of industry experience. She holds Series 63 and Series 66 licenses and has been associated with Cetera and its affiliates since 2023. In addition to her advisory work, Parker owns a pet sitting business that provides in-home care for clients' pets. Cetera Investment Advisers LLC operates a multi-manager platform serving a wide range of clients, including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers diverse portfolio management options and financial planning services through a large nationwide network of independent advisors.