Vanessa Savage is a financial advisor with Raymond James Financial and holds a Series 66 designation. She has 22 years of industry experience, including roles at Morgan Stanley and Summit Financial Group, where she serves as an independent contractor and member of the leadership team. She is also involved in selling fixed insurance, long-term care, and disability solutions through Raymond James Insurance Solutions. 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, pension plans, corporations, charitable organizations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using risk profiling and modeling tools and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

Jeffrey Stark is a financial advisor at LPL Financial with 51 years of industry experience. He holds Series 63 and Series 65 designations and has been with LPL Financial since 2009. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a wide range of clients including individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm offers various advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Lawrence Fleming is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 15 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2011 to 2016. 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 approximately $671 billion in assets and provides both brokerage and advisory solutions.

Sean Mckenna is a financial advisor at Morgan Stanley with 33 years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2007, including roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Outside of his advisory work, he serves on the board of Flying Resort Ranches in Salmon, Idaho, where he also holds a Vice President role related to license approvals. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to both individual and institutional clients, managing approximately $2.74 trillion in client assets and utilizing a structured planning process supported by firm-approved tools and methodologies.

Angelique Seitz is a financial advisor at Morgan Stanley with nine years of industry experience. She holds a Series 66 designation and previously worked at First Republic Securities Company and First Republic Investment Management. She is currently based in Walnut Creek, CA. 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 employs structured planning tools and investment modeling in its advisory process.

Sean Nicholson is a financial advisor at Wells Fargo Clearing with Series 63 and Series 66 credentials and four years of industry experience. His prior roles include positions at Bank of America, Merrill, JPMorgan Chase, and Primerica. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, delivering both discretionary and non-discretionary services. The firm’s IPS-driven process is based on modern portfolio theory and includes a broader range of financial products than typical for large institutional advisers.

Andy Lee is a financial advisor at Morgan Stanley with 17 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley since 2010, including at Morgan Stanley Private Bank, N.A. since 2022. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets.

Tatia Mac Kinnon is a financial advisor with Ameriprise, holding a Series 66 designation and 27 years of industry experience. She has been with Ameriprise and its affiliate Ameriprise Financial Services since 2005. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning services that provide written recommendations and ongoing advice focused on dependable income and tax-aware withdrawal strategies.

Alyssa Ritchie is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 18 years of industry experience. Her prior roles include positions at Cetera, BAR Financial, and Mid Atlantic Financial Management. Outside of her advisory work, she was involved as a wellness advocate for DoTerra Oil from 2017 to 2020. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Margaret O'Hearn is a CFP® and holds a Series 66 designation with 15 years of industry experience, all with Raymond James & Associates in Walnut Creek, CA. She has been with the firm since 2011. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base ranging from individuals and high-net-worth clients to institutional and municipal entities, offering financial planning and advisory services through multiple specialized programs.

Jonathan Cruz is a Series 66-registered financial advisor with Wells Fargo Advisors in Walnut Creek, CA, where he has worked since 2018. He has seven years of industry experience, including six years at Comcast prior to joining Wells Fargo Advisors. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services using proprietary research and tools, delivering tailored recommendations through advisors.

Elizabeth Mintzer is a CFP® professional with eight years of industry experience, currently affiliated with Cambridge Investment Research Advisors. She has worked at Cambridge Investment Research in various capacities since 2017. Outside of her advisory role, she is a group fitness instructor and serves as a committee member for the Financial Planning Association. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, pension plans, charitable organizations, and retirement-plan sponsors. The firm offers financial planning, investment management, retirement advisory, and financial-wellness services through independent Financial Professionals using a variety of platform options and tailored investment strategies.

Pacific Eng is a financial advisor at Osaic Wealth, Inc. with four years of industry experience. They hold a Series 66 designation and have prior experience at Lincoln Financial Advisors and UC San Diego. Outside of advisory services, Pacific Eng offers fixed insurance products including annuities and life insurance. Osaic Wealth, Inc. serves a broad range of retail and institutional clients through a large network of affiliated advisors and multiple advisory platforms. The firm employs asset-allocation tools, risk-tolerance questionnaires, and automated rebalancing to construct diversified portfolios across various asset classes, providing both discretionary and non-discretionary management options.

David Liebowitz is a financial advisor at UBS Financial Services in Danville, CA, holding a Series 66 designation. He began his advisory career at UBS in 2025 after prior experience at Five9 and four years at the University of California Berkeley. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, offering a broad range of capital markets and advisory solutions.

Jennifer Whalen is a financial advisor at Merrill with 21 years of industry experience and holds a Series 66 designation. She has been with Merrill since 2006 and concurrently with Bank of America, N.A. since 2017. Outside of her advisory role, she serves as a teacher for the Orinda Community Center. 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 a range of clients including individuals, high-net-worth clients, and institutions.

Kevin Bryant is a financial advisor with Merrill based in Walnut Creek, CA, holding Series 63 and Series 66 credentials and having 12 years of industry experience. He has worked at Merrill since 2012 and concurrently at Bank of America, N.A. since 2016. Outside of his advisory role, he is a co-owner of a family rental property. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services through the Select Portfolio Solutions Program to Bank of America fiduciary clients, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Mike Alho is a Series 66-licensed financial advisor with 14 years of industry experience. He is currently with Merrill and has prior experience at Bank of America and Wells Fargo Clearing. 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 individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Ariel Castillo is a financial advisor at Edward Jones in Benicia, CA, holding a Series 66 designation with two years of industry experience. Prior to joining Edward Jones in 2023, he worked at First Republic Bank from 2016 to 2023. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment strategies supported by a nationwide network of financial advisors and branch offices.

Patrisia Contreras Vigil is a Series 66–licensed advisor with Merrill in Walnut Creek, CA, holding six years of industry experience. She has worked at Bank of America, N.A. and Merrill since 2020, and previously held positions at St Joseph Home and Community Care, Collabria Care, and OLE Health. 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 supported by internal and third-party managers for individuals, institutions, and nonprofit organizations.

Ron Phillips 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 Morgan Stanley Smith Barney LLC since 2009. Outside of finance, he is involved with the Combat Sports Academy in Dublin, California. 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 strategies.