Michael Kofford is a financial advisor at Charles Schwab with five years of industry experience. He holds a Series 66 designation and previously worked at Wells Fargo Clearing Services LLC and Wells Fargo Bank NA. Outside of his advisory role, he serves as a board member for Loaves and Fishes of Contra Costa, a nonprofit organization. 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 research from the Schwab Center for Financial Research.

Crystal Dykstra is a CFP® with 19 years of industry experience, currently serving at Charles Schwab & Co., Inc. She has prior experience at Fidelity Investments and Charles Schwab Bank. 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 options supported by multi-asset model portfolios and alternative investment research.

Jennifer Strohecker is a financial advisor at Morgan Stanley with 10 years of industry experience. She holds the Series 63 and Series 65 designations and previously worked at Ameriprise and Ameriprise Financial Services, Inc. Jennifer is based in Walnut Creek, CA. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses structured discovery processes and advanced modeling tools in its planning approach.

Scott Pederson is a financial advisor with OSAIC, holding Series 63 and Series 65 credentials and bringing 35 years of industry experience. His prior roles include positions at Securities America Advisors, Foothill Securities, and Provident Credit Union, where he remains involved in member services. OSAIC serves a broad mix of retail and institutional clients through a large network of advisors and multiple advisory platforms, offering integrated brokerage and investment advisory services, financial planning, and access to third-party money managers and wrap programs.

Matthew Johnson is a financial advisor at J.P. Morgan Securities with 22 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A., with prior experience at Astor Investment Management LLC. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines institutional advisory operations with brokerage, distribution, and investment management capabilities under a non-discretionary program where clients retain final decision-making authority.

Shanna Bearden is a financial advisor with Morgan Stanley in Oakland, CA, holding a Series 66 designation and 18 years of industry experience. She has been with Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2013. Morgan Stanley Wealth Management provides advisory programs to both individual and institutional clients, offering structured financial planning supported by firm-approved tools and guidance from specialized groups such as the Estate Planning Strategies Group.

Jeremy Lea is a financial advisor with Equitable Advisors in Walnut Creek, CA, holding Series 63 and Series 65 licenses and two years of industry experience. Prior to his current role, he was affiliated with Equitable Advisors starting in 2023, and has a background that includes work in catering and time at University of the Pacific. Equitable Advisors serves a wide range of clients, including individual investors, retirement plans, corporations, and charitable organizations, providing financial planning, retirement consulting, and asset management through various advisory programs and third-party managers.

Jagmohan Singh is a financial advisor with Wells Fargo Clearing in Berkeley, CA, holding Series 63 and Series 65 credentials and having 11 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC and Wells Fargo Bank, N.A. since 2012. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering investment policy statement preparation, investment recommendations, performance reporting, participant education, and plan benchmarking. The firm’s IPS-driven advisory approach incorporates modern portfolio theory and includes unique offerings such as insurance-related vehicles and bank deposit sweep options within its investment menus.

Pauline Wong is a financial advisor at Morgan Stanley with 19 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009 and holds a Series 66 designation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and financial planning services supported by structured discovery processes and firm-approved tools.

Paul Giacoletti is a CFP® professional with 26 years of industry experience, currently serving at Wells Fargo Advisors in Walnut Creek, CA. He has been with Wells Fargo firms since 2009, including Wells Fargo Clearing and Wells Fargo Advisors LLC. Giacoletti is a part-owner of BPGE Capital Management LLC. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo. The firm serves individuals, trusts, and institutional clients by offering a broad range of investment and financial planning services tailored to clients meeting certain net-worth criteria.

Stephen Hsieh is a financial advisor with OSAIC in Lafayette, CA, holding Series 63 and Series 65 credentials and bringing 15 years of industry experience. He has worked at Royal Alliance Associates, Inc. since 2018 and previously spent eight years at Signator Investors, Inc/JHFN. Outside his advisory role, he operates as an independent life and insurance sales agent under the sole proprietorship Pacific Financial Partners. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisers. The firm provides integrated brokerage and advisory services, financial planning, retirement consulting, and access to third-party money managers and wrap programs, utilizing firm-provided tools and multiple investment platforms.

Pauline Millar is a Financial Consultant at Fidelity Investments, a position she has held since 2025. She has been with Fidelity Investments since 2021, previously serving as a Planning Consultant from 2023 to 2025 and as a Relationship Manager from 2021 to 2023. Prior to joining Fidelity, Pauline worked at Bank of America, where she was a Relationship Manager from 2016 to 2019 and an Assistant Manager from 2019 to 2021. Since 2016, Pauline has collaborated with individuals and families to explore strategies for saving, investing, and protecting wealth tailored to their priorities and concerns. She focuses on building personalized plans for retirement, investments, and income protection, supported by her team in areas including estate planning and tax-efficient investing. Pauline holds a California Insurance License. Outside of her professional work, Pauline enjoys family activities, hiking, traveling, and volunteering.

William Pollak is a financial advisor with LPL Financial in Walnut Creek, CA, holding a Series 66 designation and 16 years of industry experience. He worked at Morgan Stanley for one year before joining LPL Financial in 2011. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, with advice and account management delivered primarily by investment adviser representatives utilizing a range of investment strategies.

Robert Morgan III is a CFP®-certified financial advisor with 24 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients by providing investment advisory services, financial planning, and retirement plan consulting. The firm employs over 14,000 financial advisors and manages approximately $671 billion in assets, offering a range of brokerage and advisory solutions.

Christina Egkan is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. She holds Series 63 and Series 65 licenses and previously worked at First Republic Securities Company and First Republic Bank for eight years. J.P. Morgan Securities LLC provides institutional consulting services to corporate, foundation, and defined contribution plan clients, offering asset allocation advice, investment manager searches, and customized performance reporting through a team of Wealth Advisors. The firm combines institutional advisory capabilities with brokerage, distribution, and investment management services.

Michael Kidd is a financial advisor with Morgan Stanley in Walnut Creek, CA, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and at Morgan Stanley Smith Barney since 2011. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools supported by its Global Investment Committee.

Milton Guzman is a CFP®-certified financial advisor with 16 years of industry experience. He is currently with LPL Financial and has previously worked at Advantage Wealth Advisors, First Allied Advisory Services, Merrill, and Morgan Stanley. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a large network of over 22,000 advisors.

Kelly Strand is a financial advisor at Merrill Lynch Wealth Management. She specializes in managing new wealth, personal retirement planning, portfolio management services, women and wealth, tax minimization, and retirement income. Kelly employs a goals-based planning approach to develop personalized financial strategies tailored to her clients' long-term aspirations. Prior to her current role, Kelly gained experience in commercial banking, which informs her work with clients on retirement solutions, tax minimization strategies, and navigating diverse economic landscapes. She holds professional designations including CERTIFIED FINANCIAL PLANNER (CFP), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Kelly earned her Bachelor's Degree from the University of California San Diego. In addition to her professional responsibilities, Kelly is involved in community coaching as a Special Olympics Coach. Her personal interests include gardening, hiking, pickleball, reading, running, skiing, spending time with her family, traveling, and practicing yoga. Kelly communicates in both English and American Sign Language (ASL).

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 advisor with Merrill in Walnut Creek, CA, bringing 23 years of industry experience. He has been with Merrill since 2003 and has worked at Bank of America, N.A. since 2011. 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. The firm offers both model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.