Gabriel Jay is a CFP®-certified financial advisor with 25 years of industry experience, currently serving at UBS Financial Services since 2008. Based in Walnut Creek, CA, he holds the Series 66 designation. Outside of his advisory role, he serves as Treasurer on the board of directors for the Fore Our Schools Foundation, a nonprofit focused on fundraising for Moraga schools. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, utilizing proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances. The firm combines institutional trading capabilities with wealth management services and offers a broad range of financial solutions including discretionary portfolio management and alternative products.

Brandon Harper is a financial advisor at Wells Fargo Clearing with 18 years of industry experience. He holds Series 63 and Series 66 credentials and previously worked at JPMorgan Chase Bank and J.P. Morgan Securities for 10 years. Outside of his advisory role, he owns a private rental property. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages roughly $671 billion in assets and combines brokerage and advisory solutions supported by research from Wells Fargo Investment Institute.

Vita Sechrest is a Senior Financial Advisor with Merrill Lynch Wealth Management based in the Walnut Creek office and a member of The Sechrest Group. She began her career with Merrill Lynch in 2017 as a Private Wealth Associate in the Chicago office, supporting high-net-worth individuals, families, and businesses. Vita and The Sechrest Group provide services focused on comprehensive wealth planning and retirement plans, assisting plan sponsors, committees, and participants with plan design, oversight, investment management, and participant education. Vita holds several professional designations including Certified Private Wealth Advisor® (CPWA®), Certified Divorce Financial Analyst® (CDFA®), and Sports & Entertainment Accredited Wealth Management Advisor™ (SE-AWMA™). She earned a Bachelor of Business Administration degree in Marketing and a Master of Science degree in Finance from the University of Notre Dame. Vita serves on the Board of Directors of The Hofmann Foundation. Her professional expertise encompasses family office-style services such as wealth management, investment advisory, retirement planning, philanthropic consulting, and personal banking. Vita also has a client focus on areas including college education planning, endowments and foundations, defined benefit and contribution plans, new wealth management, retirement income, and services tailored for women and sports and entertainment professionals. Outside of work, Vita's personal interests include football, golfing, skiing, spending time with her family, and traveling.

Gordon Clakley is a financial advisor at Raymond James & Associates with 40 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Raymond James & Associates since 2006. Raymond James & Associates, Inc. serves a broad client base including individuals, institutional and pension plans, charitable organizations, and municipal entities. The firm offers financial planning and investment consulting through various programs and emphasizes tailored, non-discretionary planning supported by quantitative analyses and access to multiple investment strategies.

Richard Scarpitti is a financial advisor with Charles Schwab, holding a Series 66 designation and 19 years of industry experience. His prior roles include positions at TD Ameritrade Investment Management, Scottrade, Inc., and Commonwealth Financial Network. He is currently based in Pleasanton, CA. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering both non-discretionary and discretionary investment options. The firm combines advisory, brokerage, custody, and cash-sweep services within an integrated operational structure.

Arnulfo Tumbaga is a financial advisor at Morgan Stanley with 28 years of industry experience. He has held previous roles at UBS Financial Services Inc. and served in the US Air Force Reserve for 22 years. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process involves structured discovery and firm-approved tools, supporting clients with advisory services across diverse financial needs.

Alan Torrey is a financial advisor at Ameriprise with 31 years of industry experience. He holds Series 63 and Series 65 designations and has been with Ameriprise since 2008. Torrey operates an S-Corp for managing his franchise expenses. Ameriprise provides retirement-income planning services primarily for clients with significant investable assets, combining research, modeling, and tax-efficient strategies to deliver tailored recommendations through a centralized consulting team.

Lindsay Abrams is a financial advisor at Morgan Stanley with a Series 66 credential and two years of industry experience. Prior to joining Morgan Stanley, she held roles at Blue Orange Games and worked as a full-time college student at Saint Mary's College of California. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets through a range of advisory programs.

Haiwen Ye is a financial advisor at Merrill with seven years of industry experience and holds a Series 66 designation. Ye’s career includes roles at Bank of America, N.A., Merrill, and Citigroup. 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.

Rodolfo Duran Chavez is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 22 years of industry experience. He has worked at Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory services grounded in modern portfolio theory. The firm’s approach includes a broad range of financial product offerings such as insurance-related vehicles and bank deposit sweep options.

Brian Corley is a financial advisor with UBS Financial Services, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has worked extensively with First Republic Investment Management and related entities since 2011. Corley serves on the advisory board for Golden Gate University's Ageno School of Business and is a member of investment committees at CSU Monterey Bay and the Diocese of Monterey. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and advisory offerings, combining institutional trading capabilities with wealth management services tailored through proprietary research and model-based asset allocations.

Kimberly Rosati is a Vice President, Wealth Planner at Fidelity Investments, a position she has held since 2013. In this role, she works with multiple generations of families to develop personalized wealth strategies focused on growth, preservation, and wealth transfer. She aims to build long-term relationships and assist clients in achieving their wealth planning and legacy objectives. Her professional experience is centered around wealth planning, where she leverages her expertise to help clients navigate complex financial decisions. Kimberly holds a California Insurance License, which supports her work in providing comprehensive financial advice.

Roosevelt Kirk is a financial advisor at Wells Fargo Clearing with five years of industry experience. He holds a Series 66 designation and has previously worked at Edward Jones, Loomis Sayles, and Assetmark Financial Inc. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advice. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broader set of investment options than typical institutional advisers, such as insurance-related vehicles and bank deposit sweep programs.

Steven Ravlin is a CFP® with four years of experience in the financial services industry. He is currently affiliated with LPL Financial and Nuvision Credit Union, having previously worked at Consilium Wealth Management, Echo45 Advisors, Fidelity Investments, and Oregon State Credit Union. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, combining proprietary research and third-party model portfolios with discretionary and non-discretionary management.

Joseph Corner is a financial advisor with Cetera in Walnut Creek, CA, holding Series 63 and Series 65 licenses and bringing 11 years of industry experience. He has worked with Cetera since 2019 and previously spent three years at Foresters Financial Services. Outside of advising, he assists with office work at Leidig Draper Properties, a commercial real estate company owned by his grandfather. Cetera Investment Advisers LLC is an SEC-registered adviser providing services through a nationwide network of independent advisors to individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services, featuring a multi-manager platform and access to various third-party and affiliated investment managers.

Kaylie Varner is a financial advisor at Charles Schwab with four years of industry experience. She holds a Series 66 designation and has worked at Charles Schwab and Co., Inc. since 2022, following prior roles at Charles Schwab Bank and TD Ameritrade. 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 management solutions supported by multi-asset model portfolios and a centralized operational structure.

Walter Wellsfry is a financial advisor at Wells Fargo Clearing with 38 years of industry experience. He holds the Series 63 designation and has been with Wells Fargo Clearing since 2016, following five years at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory approach 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.

Ronald Guirnalda is a financial advisor at Merrill with 30 years of industry experience. He holds Series 63 and Series 66 designations and has worked previously at Morgan Stanley. Outside of his advisory role, he is employed part-time as a store associate and stocker at CVS Health. 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 and profit-sharing plans, corporations, and charitable organizations.

Ricky Luong is a financial advisor at Wells Fargo Clearing with five years of industry experience. He holds the Series 66 designation and has worked at Wells Fargo Clearing since 2020, following four years at Grand Communications. Luong is based in Castro Valley, CA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a range of investment options such as insurance-related vehicles and bank deposit sweep programs.

William Butler is a Private Wealth Advisor and Managing Director at Merrill Private Wealth Management in San Francisco. He is the founder of the Butler Group and specializes in providing wealth management advice to ultra-high-net-worth individuals, family offices, private equity principals, and entrepreneurs. William focuses on helping clients deploy, grow, and transfer their wealth by addressing complex financial situations and offering customized solutions. William Butler has worked in wealth management since 2005, with previous roles including Private Banker and Managing Director at Citi Private Bank, as well as experience in Mellon’s Private Wealth Management Group. Prior to his wealth management career, he served over nine years as a Naval Officer and pilot, including operational duties at the Pentagon and multiple deployments. He holds a Bachelor of Science degree in Economics from the United States Naval Academy and an MBA from George Washington University. William is a Personal Investment Advisor (PIA) professional designated through Merrill.