Shubie Gulati is a financial advisor at Morgan Stanley with 36 years of industry experience. He holds a Series 63 designation and has been with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients by offering a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm‑approved tools and modeling techniques.

James Lin is a financial advisor at RBC Capital Markets in Walnut Creek, CA, with 23 years of industry experience. He holds a Series 66 designation and has previously worked at City National Bank, Bank of America, N.A., and Merrill. 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 provides various advisory programs with tailored portfolio management and financial planning services, utilizing a combination of in-house and third-party investment managers.

Kory Altheide is a CFP® with 23 years of industry experience, currently serving at Wells Fargo Clearing since 2016. He previously worked at Wells Fargo Advisors LLC from 2009 to 2016. 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, with a broader investment menu that includes insurance-related vehicles and bank deposit sweep options.

Rachel Abdel Hamid is a Wealth Management Advisor at Merrill Lynch Wealth Management. Since joining the ROK Advisory Group, she has developed client relationships focused on customized insurance, estate, and wealth management planning strategies. Rachel arrived at Merrill Lynch in 2006, following her role as an event coordinator for a boutique real estate company in Los Angeles. Over the past 16 years, she has worked within Compliance and Management before transitioning to her current advisory role. Rachel holds a Bachelor's Degree from California State University and has earned the CERTIFIED FINANCIAL PLANNER™ (CFP®) designation awarded by the CERTIFIED FINANCIAL PLANNER™ Board of Standards, Inc. She also holds the Chartered Retirement Planning Counselor™ (CRPC) designation and the Personal Investment Advisor (PIA) credential. She is an active member of the Financial Planning Association. Beyond her professional duties, Rachel is involved with the Glenwood School Foundation. In her free time, she enjoys hiking near her home in San Rafael with her husband Sherif and their two children.

Brian Mulholand is a financial advisor with J.P. Morgan Securities in Walnut Creek, CA, holding Series 63 and Series 66 licenses and bringing 12 years of industry experience. His prior roles include positions at First Republic Investment Management, First Republic Bank, and Citibank NA. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework to guide its recommendations.

Kayvon Magidi is a CFP® and holds a Series 66 license, with 18 years of experience in the financial services industry. He currently works at Morgan Stanley and previously spent 11 years at J.P. Morgan Securities. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm employs a structured planning process supported by firm-approved tools and serves clients through both direct and corporate financial planning agreements.

Jason Vitucci is a CERTIFIED FINANCIAL PLANNER™ professional with 29 years of industry experience. He is currently affiliated with Osaic Wealth, Inc. and has prior experience at Cetera Advisors LLC and First Allied Advisory Services. Outside of his advisory role, he serves as a board member for the St. Isidore School Foundation, a nonprofit organization supporting tuition assistance. Osaic Wealth, Inc. serves a diverse client base including retail and institutional investors through an extensive network of affiliated advisors. The firm offers integrated brokerage and advisory services and employs various asset allocation tools and third-party platforms to construct and manage portfolios on both discretionary and non-discretionary bases.

Lee Cohen is a financial advisor with Raymond James & Associates, holding a Series 63 designation and bringing 28 years of industry experience. He has previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and specialized municipal advisory services.

Edmund Pan is a financial advisor with Ameriprise in Danville, CA, holding a Series 66 designation and 22 years of industry experience. He has been with Ameriprise and its affiliate since 2009. Outside of his advisory role, he is involved in real estate ownership focused on multi-family properties. Ameriprise provides retirement-income planning services targeted at individuals nearing or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver annual, non-discretionary recommendations through a centralized consulting team. As a large institutional firm, Ameriprise offers a broad range of advisory, brokerage, and insurance solutions typical for its category.

Chad Merschat is a financial advisor at Morgan Stanley with 21 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Smith Barney LLC since 2009 and Morgan Stanley Private Bank, N.A. since 2021. 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 tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured process utilizing firm-approved tools and economic modeling to support financial planning.

Dinh An Khuong Le is a financial advisor at Merrill with a Series 66 designation and less than one year of industry experience. Prior to joining Merrill and Bank of America in 2025, he held various roles including work at Newstar Nail Spa and academic positions at De Anza College and the University of California, Berkeley. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients via the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Jeffrey Gustafik is a financial advisor at Wells Fargo Clearing with 42 years of industry experience. He holds Series 63 and Series 65 credentials and has worked with Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with options including discretionary plan-level investment selection and a broad range of financial products, including insurance-related vehicles and bank deposit sweep programs.

Kenneth Sorensen is a financial advisor with Morgan Stanley in San Rafael, California, holding a Series 63 designation and bringing 36 years of industry experience. He has worked at Morgan Stanley Private Bank since 2015 and at Wells Fargo Advisors LLC since 2011. 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, including tailored financial planning that utilizes firm-approved planning tools and expert committee input.

Jin Cheng Wu is a financial advisor at Merrill with 10 years of industry experience. He holds Series 66 and Series 63 licenses and has worked at Bank of America, Merrill, JPMorgan Chase Bank, and JP Morgan Securities LLC. Outside of his advisory role, he is the sole owner of a rental property business. 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, pension plans, corporations, and charitable organizations.

Lance Mantle is a financial advisor at Fidelity with 11 years of industry experience. He holds a Series 66 designation and has worked at Fidelity Investments since 2022, following prior roles at Wells Fargo Clearing and Wells Fargo Advisors, LLC. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors, through a combination of proprietary research, quantitative analysis, and algorithmic portfolio construction. The firm also serves as an advisor to multiple registered investment companies and develops model portfolios for intermediary platforms.

Dwain Jefferson is a financial advisor at J.P. Morgan Securities with seven years of industry experience. He holds Series 66 and Series 63 designations and has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2015, as well as at Bank of America from 2018 to 2024. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm’s approach combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies, delivering services on a non-discretionary basis.

Matthew Cameron is a financial advisor at Wells Fargo Clearing with 26 years of industry experience. He holds Series 63 and Series 66 designations and has been with Wells Fargo Clearing and its related entities since 2014. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, delivering both discretionary and non-discretionary investment services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Dorothy Lee is a financial advisor at LPL Financial with 18 years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at National Planning Corporation. Her outside activities include roles related to fixed insurance products with Trilogy Financial Services and ACSIA Partners. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services with discretionary and non-discretionary management options supported by proprietary and third-party research.

Leon Augustine is a financial advisor with Cambridge Investment Research Advisors in Oakland, CA, holding a Series 66 designation and 19 years of industry experience. He has been with Cambridge Investment Research Advisors and Cambridge Investment Research, Inc. since 2016. Outside of advisory work, Augustine is involved in tax preparation services and operates an independent insurance agency. Cambridge Investment Research Advisors is a large SEC-registered firm that serves a diverse client base, including individual investors, pension plans, charitable organizations, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement advisory services through a network of independent Financial Professionals, utilizing a variety of portfolio management approaches and custodial platforms.

Ashley De Benedetti is a financial advisor at Morgan Stanley with 16 years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley since 2018, following prior roles at Kestra Investment Services, LLC and Signator Investors Inc. 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 including tailored financial planning using firm-approved tools and models, managing approximately $2.74 trillion in client assets.