Michael Chong is a CFP® with 18 years of experience in the financial services industry. He currently works at LPL Financial and has held prior roles at Contra Costa Christian Schools, Big King Inc., Diablo Divorce, Ameritas Life Insurance/Union Central, Monument Impact, Waddell & Reed, and various insurance carriers. Outside of his advisory work, he is involved with Big King Inc., a business entity maintained for tax and investment purposes. 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 financial planning and investment management solutions, including model portfolios, third-party asset management access, and institutional platforms, supporting advisors with research tools and a broad suite of non-advisory financial services.

Brian Lopipero is a financial advisor with UBS Financial Services in Walnut Creek, CA, holding Series 63 and Series 66 licenses and five years of industry experience. He previously worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. from 2020 to 2022, and at Ecolab from 2014 to 2020. Outside of his advisory role, he operates a small business selling baseball cards on eBay. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm integrates proprietary research and institutional trading capabilities to deliver tailored investment solutions.

Deborah Tharp is a financial advisor at Morgan Stanley with 28 years of industry experience. She holds Series 63 and Series 65 designations and has worked at various divisions within Morgan Stanley since 2009. Morgan Stanley Wealth Management provides a range of advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets through structured planning processes and firm-supported investment tools.

Sabrina Julian is a financial advisor with Cetera, holding Series 63 and Series 65 designations and bringing 24 years of industry experience. She has been with Cetera and affiliated entities since 2013. Outside of her advisory role, she provides organizing services specifically aimed at helping single women manage documents and downsize, and she has served as a past president of the Angels-Murphy Rotary Club, participating in community service projects. Cetera Investment Advisers LLC distributes its services through a nationwide network of independent advisors, serving individual, employer-sponsored, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services and operates a multi-manager platform with access to various investment strategies and program structures.

David Bail is a financial advisor with Morgan Stanley who holds a Series 63 designation and has 35 years of industry experience. He has been with Morgan Stanley in various capacities since 2009, including his current role at Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory work, he is involved in agricultural planning and development through Farm DHB LLC and participates in retail and online sales activities as a partner in ReUseBricks.com LLC. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers comprehensive financial planning supported by proprietary tools and investment research, managing approximately $2.74 trillion in client assets.

Morgan Becker is a financial advisor at Morgan Stanley with 29 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, N.A. since 2015 and at Morgan Stanley Smith Barney LLC since 2009. Becker serves as a board member for Abate Med, Inc., a biotech drug development company, and is involved with the Walnut Creek Chamber of Commerce and the Young Leaders Division of the Jewish Community Federation. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer serving both individual and institutional clients. The firm offers comprehensive financial planning and investment advisory services, managing approximately $2.74 trillion in client assets through a range of tailored programs.

Connor McGuire is a financial advisor with Morgan Stanley in Pleasanton, CA, holding a Series 66 designation and possessing 10 years of industry experience. He has worked at Morgan Stanley since 2015, including roles with Morgan Stanley Private Bank, National Association since 2018. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs, including tailored financial planning supported by structured discovery processes and firm-approved tools.

Tarik Glenn is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. Prior to his current role, he worked at Morgan Stanley for three years. Outside of financial services, he has experience with the National Cycling League and the Kombu Kitchen. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

John Fraser is a financial advisor at Morgan Stanley with two years of industry experience. He holds the Series 66 designation and has previously worked in roles at SoftwareONE and Oracle Corporation. Morgan Stanley Wealth Management is a registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning supported by structured discovery conversations and firm-approved planning tools.

Richard Wald is a financial advisor at Merrill with 40 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Merrill since 1986, also affiliated with Bank of America since 2009. Outside of his advisory work, he is a co-manager of a for-profit LLC that owns residential rental property with his spouse. 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.

Timothy Hintzoglou is a CFP®-designated financial advisor with 28 years of industry experience. He is currently affiliated with Cetera Wealth Services, LLC and Cetera, where he has worked since 2025. His prior experience includes long-term roles at Avantax Insurance Agency, LLC and Avantax Investment Services, Inc. Outside of his advisory work, he serves on the board of the nonprofit ARM of Care, Inc. and is a trustee for Walnut Creek Presbyterian Church as well as the Ray Matthes 1997 Trust. Cetera Investment Advisers LLC is a nationwide SEC-registered firm offering portfolio management, financial planning, and retirement services to individuals, employer-sponsored plans, corporate, charitable, and institutional clients. The firm operates as a multi-manager platform providing access to a range of investment strategies and program structures with over 10,000 advisors and more than $256 billion in assets under management.

Yaochao Wei is a financial advisor at Merrill with four years of industry experience and holds the Series 66 designation. Prior to joining Merrill in 2016, Wei worked for two years at Sincere Home Decor. Outside of advisory work, Wei is a co-owner of a family rental property. 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, and institutional investors.

Jeffrey Bohn is a financial advisor with Edward Jones, holding Series 63 and Series 66 credentials and 21 years of industry experience. He has been with Edward Jones since 2005. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of discretionary and non-discretionary investment strategies, including separately managed accounts and affiliated mutual funds, operating under a fiduciary standard.

Marja Rusch is a financial advisor with Wells Fargo Clearing and holds a Series 66 designation. She has been with Wells Fargo Clearing Services, LLC since 2021 and Wells Fargo Bank, NA since 2006. Although she has no industry experience as an advisor, she has over 20 years with Wells Fargo in other capacities. Wells Fargo Advisors is a national securities firm providing investment advisory, financial planning, and retirement plan consulting services to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute.

Dominic Mc Kenna is a financial advisor with Edward Jones in Alameda, CA, holding Series 63 and Series 66 designations and bringing 27 years of industry experience. He has been with Edward Jones since 1996. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and proprietary mutual funds, operating under a fiduciary standard.

Christine Mccomas is a financial advisor at Wells Fargo Clearing with 12 years of industry experience. She holds the Series 63 and Series 65 designations and has been with Wells Fargo since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, including pension and charitable organizations. The firm provides a broad range of advisory services and employs research and analytics based on diversification principles and modern portfolio theory.

Sally Jermain is a CFP® with 25 years of industry experience, currently affiliated with Cambridge Investment Research Advisors. She has held prior positions at LPL Financial and 1st Global Advisors Inc., and she maintains ownership of a Qigong and Medical Qigong business as well as a DJ services venture. Jermain is also involved in Fukumae & Saman LLC and Jaime T. Fukumae CPA. Cambridge Investment Research Advisors serves a broad mix of individual and institutional clients, including pension and charitable organizations, by providing financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm operates through thousands of financial professionals and manages a multi-billion dollar asset base across multiple platforms and custodians.

Peggy Hatch is a financial advisor at Fidelity with 18 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Fidelity Investments and its affiliated entities since 2013. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors, using a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is notable for its role as a commodity pool operator, advisory services to registered investment companies, and its use of AI and systematic methodologies in portfolio management.

Sarah Rush is a CFP® with 32 years of industry experience, currently serving as a financial advisor at Osaic since 2025. Her prior roles include positions at Lincoln Financial Advisors, Wells Fargo Clearing, and Merrill. In addition to her advisory work, she holds insurance agent licenses and offers life insurance, annuities, and long-term care insurance products. Osaic Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporate clients through a multi-advisor platform. The firm utilizes a model-based investment approach with various advisory programs and third-party manager options.

Brianna Visalli is a financial advisor at Raymond James Financial with Series 66 credentials and one year of industry experience. Before entering financial services, she had a professional athletic career, including playing in the National Women’s Soccer League and the Barclay’s Women’s Super League. She also worked in Stanford University’s Athletics Department for two years. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm emphasizes tailored, non-discretionary planning using analytical tools and supports its recommendations through various advisory programs and technology-driven solutions.