Caroline Langner is a financial advisor at Morgan Stanley with six years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley since 2018, including time at Morgan Stanley Private Bank, N.A. Outside of finance, she has experience with Urban Oil & Gas, LLC and an academic background from Southern Methodist University. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs with a structured financial planning process that employs firm-approved tools and models, managing approximately $2.74 trillion in client assets.

Chase Green is a financial advisor with Equitable Advisors and holds a Series 66 designation. He has one year of industry experience, including prior roles at Equitable Advisors and a background working in the hospitality sector and education. Equitable Advisors serves a diverse client base, including individuals, high-net-worth clients, retirement plans, and institutions, providing financial planning, brokerage services, insurance distribution, and access to third-party asset management programs. The firm operates as both an SEC-registered investment adviser and broker-dealer, utilizing LPL-sponsored programs and third-party managers to deliver its advisory and brokerage solutions.

Amy Caffese is a financial advisor at RBC Capital Markets with 18 years of industry experience. She holds a Series 66 designation and has worked at RBC Capital Markets since 2017. Her prior experience includes roles at Wells Fargo Clearing, Wells Fargo Advisors LLC, and Wells Fargo Bank. RBC Wealth Management, a division of RBC Capital Markets, serves individual and institutional clients with a range of advisory programs offering portfolio management, financial planning, custody, and brokerage services. The firm customizes strategies based on client risk profiles and utilizes both in-house and third-party investment managers.

Michael Dunn is a Senior Resident Director and Wealth Management Advisor at Merrill Lynch, where he has been serving clients since 1991. He leads the Walnut Creek office in California and manages a team dedicated to assisting high net worth families with wealth management. Michael collaborates closely with clients' attorneys, accountants, and other professionals to provide a coordinated approach to wealth management, including wealth transfer, tax minimization, and estate planning services. He holds a Master's Degree and a Bachelor's Degree from Cal Poly San Luis Obispo and has earned several professional designations, including Certified Exit Planning Advisor (CEPA), Certified Investment Management Analyst (CIMA), Certified Private Wealth Advisor (CPWA), and Personal Investment Advisor (PIA). Michael is a member of the Investment & Wealth Institute™ (The Institute). His expertise extends to areas such as college education planning, managing new wealth, socially responsible and ESG investing, women and wealth, sports and entertainment, tax minimization, and retirement income. Outside of his professional responsibilities, Michael volunteers at the Daraja Academy Education Fund. He enjoys golfing, traveling, and spending time with his family.

Garrett W. Bates is a financial advisor at UBS Financial Services in Lafayette, CA, with 17 years of industry experience. He has been with UBS since 2010 and holds a Series 66 designation. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including fee-based financial planning and discretionary portfolio management. The firm combines institutional trading capabilities with wealth management services and offers access to proprietary research and capital markets solutions.

Yvonne Ceresa is a financial advisor at Edward Jones with 25 years of industry experience. She holds the CFP® and CFA® designations and has been with Edward Jones since 2012. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, supported by a nationwide network of more than 23,700 financial advisors.

Ku Hei Mo is a financial advisor at J.P. Morgan Securities with a Series 66 designation and four years of industry experience. Prior to joining J.P. Morgan, Mo held positions at Citigroup, Charles Schwab, and Wells Fargo. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a non-discretionary advisory model. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering a broad range of investment and brokerage services.

Hercules Rosario is a financial advisor with Morgan Stanley in Oakland, CA, holding a Series 66 designation and 11 years of industry experience. His prior roles include positions at JP Morgan Securities LLC, Bank of America, N.A., and Merrill. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering advisory programs to individuals and institutions. The firm provides tailored financial planning services supported by structured discovery and firm-approved tools, managing approximately $2.74 trillion in client assets.

Bei Lei Yu is a financial advisor at Merrill with eight years of industry experience. He holds the Series 66 designation and has been with Bank of America, N.A. and Merrill since 2012. 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 both model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Joyce Wong is a financial advisor at Ameriprise with 17 years of industry experience. She holds the Series 66 designation and has been with Ameriprise and its affiliate since 2009. Outside of her advisory role, she has an interest in real estate ownership. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide personalized, non-discretionary recommendations delivered through a centralized consulting team.

Belma Mirvic is a financial advisor with Edward Jones in Pleasant Hill, CA, holding Series 63 and Series 66 licenses and having eight years of industry experience. She previously worked at Wells Fargo Clearing Services LLC and Wells Fargo Bank NA before joining Edward Jones in 2019. 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 with a network of around 23,701 advisors, offering a range of investment strategies, tax-efficient services, and affiliated products under a fiduciary standard.

Aaron Hannigan is a financial advisor with Morgan Stanley in Walnut Creek, CA, holding a Series 66 designation and four years of industry experience. Prior to joining Morgan Stanley, he worked at Cetera Financial Group and has been involved as a volleyball coach at De La Salle High School. Morgan Stanley Wealth Management serves individual and institutional clients with a wide range of advisory programs, incorporating structured financial planning tools and various investment strategies managed through its large-scale platform.

Dwight Peterson is a financial advisor with LPL Financial, holding a Series 66 designation and bringing 16 years of industry experience. He has been associated with LPL Financial since 2015 and has worked with Advantage Wealth Advisors since 2017. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, retirement plan consulting, and brokerage services.

Marie Meister is a financial advisor at Ameriprise with 22 years of industry experience. She has been with Ameriprise and its affiliated entities since 2013 and holds the Series 66 designation. Ameriprise provides a retirement-income planning service aimed at individuals approaching or in retirement with significant investable assets, offering written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver non-discretionary recommendations, supported by algorithmic automation and oversight from a dedicated Retirement Income Oversight Committee.

Ming Lo is a financial advisor with Charles Schwab, holding Series 63 and Series 66 credentials and bringing 26 years of industry experience. His prior work includes 18 years at TD Ameritrade, Inc. He is based in San Ramon, CA. Charles Schwab serves a large client base of primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering both non-discretionary and discretionary portfolio management alongside brokerage and custody services. Schwab’s integrated structure combines centralized supervision and multi-asset investment guidance with access to alternative investments and cash-sweep solutions.

Scott Danilson is a financial advisor with Ameriprise in Danville, CA, holding a Series 66 designation and 24 years of industry experience. He has worked with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement with significant investable assets, providing written Recommendation Reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis in its approach, with a centralized consulting team supporting advisors like Danilson in delivering tailored recommendations.

Steven Cline is a financial advisor with Morgan Stanley Wealth Management in Walnut Creek, CA, holding a Series 66 license and three years of industry experience. He has worked within Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2020. Outside of finance, he is active as a music composer. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a wide range of advisory programs, including tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools supported by their Global Investment Committee.

Roger Escobar is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. He holds a Series 66 designation and has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2017, following five years at Infinity Financial Services. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework in its recommendations.

Dharma Westphal is a financial advisor with Primerica Advisors in San Ramon, CA, holding Series 63 and Series 65 licenses and three years of industry experience. Prior to joining Primerica Advisors, Dharma has held various roles within Primerica Financial Services and has experience outside finance including work with The Dance Center and Summerfield Waldorf School and Farm. Outside of advisory work, Dharma is an independent contractor for Twitch Interactive, dedicating several hours monthly. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and a limited number of separately managed account options. The firm uses third-party asset managers and BNY Mellon Advisors for trading and emphasizes a tiered wrap fee structure.

Nicholas Gums is a financial advisor with LPL Financial in Oakland, CA, holding a Series 66 designation and 17 years of industry experience. His prior roles include positions at TD Ameritrade, Charles Schwab, Merrill, and Bank of America. He also serves as a Wealth Management Private Banker at Fremont Bank. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a range of clients including individuals, retirement plans, banks, and charitable organizations through a broad national network. The firm offers comprehensive financial planning, advisory programs, retirement plan consulting, and brokerage services with both discretionary and non-discretionary management options.