Steven Serotte is a financial advisor with Mass Mutual Investors Services, holding a ChFC® designation and Series 63, 65, and 66 licenses, with 25 years of industry experience. He previously worked at Lenox Advisors, Inc. for 17 years and has been affiliated with MassMutual and its subsidiaries since 1996. Outside of his advisory role, he serves as an insurance agent for individual and group life and health policies. 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, and educational seminars, focusing on collaborative, annual planning engagements with a range of investment strategy 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.

Eric Razzi is a financial advisor with Merrill in Livermore, CA, holding a Series 66 designation and 15 years of industry experience. His work history includes roles at Merrill, TD Ameritrade, UBS Financial Services, Bank of America, and Lyft. 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, offering model-based and discretionary investment strategies for individual, high-net-worth, pension, corporate, and charitable clients.

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.

Simarjeet Kaur is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. She previously worked at Canadian Imperial Bank of Commerce for five years and State Bank of India for eight years. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including discretionary portfolio management and fund advisory. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction, and it serves multiple registered investment companies as well as delivering model portfolios to intermediary platforms.

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.

Robert Avey is a financial advisor with Raymond James Financial Services Advisors, Inc., holding the ChFC® designation along with Series 63 and Series 65 licenses. He has 31 years of industry experience, including 28 years at Securian Financial Services and a long tenure at Secure Futures/Link Allen & Associates. He also works as an independent contractor financial advisor at Summit Financial Group. Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to a diverse client base that includes individuals, high-net-worth clients, pension and profit-sharing plans, corporations, charitable organizations, and institutions. The firm offers tailored non-discretionary planning and consulting using analytical tools and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

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 with Ameriprise Financial Services, holding a Series 66 designation and 18 years of industry experience. His career includes multiple roles at Ameriprise as well as positions at Bancwest Investment Services and Charles Schwab. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement income planning advice centered on dependable income sources and tax-aware withdrawal strategies.

Tate Peterson is a financial advisor at Morgan Stanley in Walnut Creek, CA, holding a Series 66 designation with two years of industry experience. His prior roles include positions at Mariner Independent, LPL Financial, and New York Life Insurance Company. Outside of finance, he has been involved with Human Optimization Center / Fire and Ice Therapies, LLC. 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 supported by firm-approved tools and a structured discovery process.

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.

Scott Norris is a financial advisor at Merrill in Walnut Creek, CA, holding a Series 66 designation with 17 years of industry experience. He has been with Merrill since 2007 and previously worked at Banc of America Investment Services, Inc. from 2007 to 2009. 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, offering model-based and discretionary strategies for individuals, high-net-worth clients, and institutional investors.

Gerald Gee is a financial advisor with Morgan Stanley in Pleasanton, CA, holding a Series 66 designation and having 10 years of industry experience. His prior roles include positions at JP Morgan Chase Bank, Merrill, and Bank of America. 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 comprehensive investment research.

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.

Mark Martin is a CFP® professional with 42 years of industry experience, currently affiliated with Wells Fargo Clearing since 2016. He previously worked at Citigroup Global Markets for 12 years. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Vivek Patel is a financial advisor at Morgan Stanley with seven years of industry experience. He previously worked at J.P. Morgan Securities and First Republic Securities Company, LLC. Patel holds Series 66 and Series 63 licenses. 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 structured planning tools such as Secular Return Estimates and Monte Carlo simulations to support its planning process.

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 financial advisor at OSAIC with 56 years of industry experience. He holds the Series 63 designation and has worked at Royal Alliance Associates, Inc. since 1994, NWF Advisory Services, Inc. from 2009, and Ascension Benefits & Insurance Solutions since 2010. He serves as a board member of the Diablo Regional Arts Association. OSAIC Wealth serves a diverse clientele including retail and institutional investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of brokerage and advisory services supported by a model-based investment process that includes portfolio optimization, risk assessment, and access to third-party managers and proprietary strategies.

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.

Christopher Symank is a financial advisor at Morgan Stanley with 18 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. Prior to that, he worked at Citigroup Global Markets, Inc. for one year. 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 and modeling techniques as part of its financial planning process.