Mark Kinsella is a financial advisor at Merrill with Series 63 and Series 66 credentials and two years of industry experience. His prior roles include positions at Wells Fargo Bank, Wells Fargo Clearing, PNC Bank, and JPMorgan Chase. 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.

Daniel Baldwin is a financial advisor at Morgan Stanley with 29 years of industry experience. He has been associated with Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Baldwin holds Series 63 and Series 65 licenses. He serves as a board officer for the JV Bubby Baldwin Service and Conservation Foundation, a veteran organization based in Lafayette, California. Morgan Stanley Wealth Management provides advisory programs to individuals and institutions, focusing on 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 that incorporate market simulations and long-term return estimates.

Sylvana Youssef is a financial advisor at J.P. Morgan Securities with Series 63 and Series 66 credentials and one year of industry experience. Her prior work includes roles at Bank of America and various banking and consulting positions. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through written asset allocation advice, investment manager searches, and customized performance reporting, with final decision-making authority retained by clients.

Kevin Zimmer is a financial advisor with LPL Financial in Concord, CA, holding a Series 63 designation and 33 years of industry experience. He has worked at LPL Financial since 2008 and previously spent five years at Ifmg Securities, Inc. Zimmer spends time managing his LPL business through Zimmer Financial Group. 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, third-party asset management, and institutional platforms.

Kim Albano is a financial advisor at Edward Jones with six years of industry experience. She holds the Series 66 designation and has worked at firms including JPMorgan Chase Bank, Merrill Lynch, Bank of America, and UBS. Prior to her current role, she was also involved with LeadHer and Door Dash. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a broad range of advisory strategies, including discretionary and non-discretionary wrap fee solutions, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Justin Pribilovics is a CFP®-designated financial advisor with 10 years of industry experience, currently with Wells Fargo Advisors in Orinda, CA. He has previously worked at Wells Fargo Clearing and Pacific Life Insurance Company. Outside of his advisory role, he holds a 25% ownership stake in Quin Oaks Investment Group LLC, where he is actively involved. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services, offering a broad range of planning options tailored to clients who meet certain net-worth thresholds. The firm combines proprietary research and planning tools to develop tailored recommendations delivered through meetings and written summaries, with flexible implementation options.

Tyler O'campo is a financial advisor with Equitable Advisors in Walnut Creek, CA, holding Series 63 and Series 65 licenses and having six years of industry experience. He has been with Equitable Advisors since 2019 and previously worked at AXA-Advisors, LLC, Ruth's Chris Steak House, Moraga Country Club, and Saint Mary's College of California. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations, offering financial planning, retirement plan consulting, and various asset-management programs through a network of Investment Adviser Representatives and third-party managers.

Clark Geranen is a financial advisor with LPL Financial in Danville, California. He holds the Series 66 designation and has six years of industry experience. Prior to joining LPL Financial in 2020, he worked at Cordoba Corporation and Parsons Corporation. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a network of investment adviser representatives to individuals, retirement plans, banks, trust companies, and other institutions. The firm offers a range of financial planning, model portfolio programs, third-party asset management access, and institutional platforms.

Paul Watkins is a Financial Consultant at Fidelity Investments, a role he has held since 2025. Prior to this position, he served as a Planning Consultant at Fidelity Investments from 2023 to 2025. In his professional capacity, Paul focuses on building confident financial plans for his clients through personalized conversations and education on various financial options. Paul completed his MBA with an emphasis in Finance at Saint Mary's College of California, enhancing his skills in financial consulting. He holds a California Insurance License. Originally from Walnut Creek, CA, Paul and his family enjoy spending weekends exploring outdoor parks. His personal interests include camping, family activities, social events, hiking, parenthood, and skiing.

Amy Wasser is a CFP®-certified financial advisor with 27 years of industry experience. She has been with Raymond James Financial since 2022, following a 23-year tenure at Edward D. Jones & Co., L.P. Wasser is also involved with SilverTree Collective and is a member of Wasser Wealth Management, LLC, through which she works as a financial advisor. Raymond James Financial Services Advisors, Inc. serves a broad client base, including individual and high-net-worth clients, pension plans, corporations, and institutional investors. The firm provides tailored financial planning and investment consulting using analytical tools to support client goals and offers specialized programs such as wrap-fee advisory services and municipal and public finance consulting.

Sara Holland is a financial advisor at Wells Fargo Advisors with 19 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Wells Fargo Clearing since 2016 before joining Wells Fargo Advisors in 2022. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing a broad range of investment and fee-based financial planning services, including specialized planning for business-owner transitions, sports and entertainment, special needs, and divorce. Advisors use Wells Fargo’s research and planning tools to develop tailored recommendations, with implementation options available through various brokerage and advisory programs.

Christopher Thompson is a financial advisor at Stifel with 23 years of industry experience. He holds a Series 66 designation and has been with Stifel Nicolaus & Co. Inc. since 2015. Outside of his advisory role, Thompson has co-authored a children’s book with his daughter and is involved as an advisor and co-founder of YouthDraft, an app for youth sports assessments and drafting, as well as advising a sports equipment business started by his son. Stifel serves a broad client base including individuals, institutional clients, and municipal entities, offering brokerage and investment advisory services supported by proprietary investment analysis and allocation methodologies developed by its Investment Strategy Group.

Lacey Brook is a financial advisor with Morgan Stanley in Orinda, CA, holding Series 63 and Series 65 licenses and bringing eight years of industry experience. She previously worked at Raymond James and Associates from 2015 to 2022 before joining Morgan Stanley. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and uses a structured financial planning process incorporating proprietary tools and market simulations.

John Mccarthy is a financial advisor at Stifel with 35 years of industry experience. He has been with Stifel Nicolaus & Co. Inc. since 2011. His credentials include the Series 63 and Series 65 licenses. Stifel serves a broad range of clients, including individuals, institutional clients, charitable organizations, and municipal entities, offering brokerage and investment advisory services. The firm’s investment approach is based on proprietary forward-looking capital market assumptions and probabilistic modeling developed by its Investment Strategy Group.

Christopher Micco is a Brokerage Services Advisor II at Merrill Lynch Wealth Management. He specializes in client relationship building through customer service, strategic wealth planning, and professional investment management. Christopher has over 30 years of experience in the financial services industry. He holds the Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from the University of California System. Christopher is a lifelong Bay Area resident and enjoys playing tennis, cooking, and traveling in his personal time.

Stephen Besse is a CFP® with 32 years of industry experience, currently serving as a financial advisor at Raymond James & Associates since 2014. He is located in Walnut Creek, CA, and holds Series 63 and Series 65 licenses. Outside of his advisory role, he is a part-owner of a family cabin held in an LLC for tax and liability purposes. Raymond James & Associates is a large 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 and investment consulting with a generally non-discretionary approach.

Sumit Mahay is a financial advisor at Morgan Stanley with 22 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley since 2021. His prior experience includes roles at Ameriprise Financial Services Inc and various business ventures in home improvement and other industries. Morgan Stanley Wealth Management provides advisory programs and financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm uses structured planning tools and advisory strategies but generally does not provide individual security recommendations as part of standalone planning.

Colleen Cusick is a Wealth Management Advisor at Merrill Lynch Wealth Management. She has over 30 years of experience with Merrill Lynch, preceded by work at a large public accounting firm. Colleen specializes in building long-lasting client relationships and developing customized wealth management strategies tailored to individual client needs. Her approach includes estate planning services, retirement income planning, wealth transfer strategies, college education planning, and tax-efficient estate planning. Colleen holds the Certified Investment Management Analyst® (CIMA®) and Chartered Retirement Planning Counselor™ (CRPC™) designations. She earned a bachelor's degree from Miami University and a master's in business administration from Ohio State University. As a Portfolio Manager, she manages personalized investment strategies on a discretionary basis, focusing on disciplined investment processes, investment manager selection, and asset allocation review. Outside of her professional role, Colleen and her husband enjoy outdoor activities such as jogging, gardening, hiking, skiing, and traveling to exotic destinations.

Nicolette Frandsen is a CFP® with nine years of industry experience, currently serving at Wells Fargo Clearing since 2016. She has been with Wells Fargo & Co. since 2008. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary solutions. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Jack Whitney is a financial advisor with Mass Mutual Investors Services holding a Series 66 designation. He has been in the financial industry since 2026, with experience at Lenox Advisors and MassMutual Life Insurance Company LLC. MassMutual 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, using firm-approved tools to deliver collaborative, goal-oriented recommendations.