Dustin Ma is a financial advisor with Cambridge Investment Research Advisors based in San Ramon, CA, holding Series 63 and Series 65 credentials with 21 years of industry experience. He has been with Cambridge since 2009 and has also engaged in business consulting and served as president of a civic association. Dustin has experience consulting attorneys on financial records and advising on business processes and sales systems. Cambridge Investment Research Advisors is a large SEC-registered firm serving individuals, retirement plans, charitable organizations, and trusts through independent financial professionals. The firm offers financial planning, investment management, and retirement plan advisory services with a variety of portfolio strategies across multiple custody platforms, including proprietary and third-party models.

James Benke is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 20 years of industry experience. He has worked at Wells Fargo Bank since 2005 and has been with Wells Fargo Clearing since 2016, following five 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 discretionary and non-discretionary advisory options. The firm’s 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.

Paul Giacoletti is a CFP® professional with 26 years of industry experience, currently serving at Wells Fargo Advisors in Walnut Creek, CA. He has been with Wells Fargo firms since 2009, including Wells Fargo Clearing and Wells Fargo Advisors LLC. Giacoletti is a part-owner of BPGE Capital Management LLC. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo. The firm serves individuals, trusts, and institutional clients by offering a broad range of investment and financial planning services tailored to clients meeting certain net-worth criteria.

Stephen Hsieh is a financial advisor with OSAIC in Lafayette, CA, holding Series 63 and Series 65 credentials and bringing 15 years of industry experience. He has worked at Royal Alliance Associates, Inc. since 2018 and previously spent eight years at Signator Investors, Inc/JHFN. Outside his advisory role, he operates as an independent life and insurance sales agent under the sole proprietorship Pacific Financial Partners. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisers. The firm provides integrated brokerage and advisory services, financial planning, retirement consulting, and access to third-party money managers and wrap programs, utilizing firm-provided tools and multiple investment platforms.

Pauline Millar is a Financial Consultant at Fidelity Investments, a position she has held since 2025. She has been with Fidelity Investments since 2021, previously serving as a Planning Consultant from 2023 to 2025 and as a Relationship Manager from 2021 to 2023. Prior to joining Fidelity, Pauline worked at Bank of America, where she was a Relationship Manager from 2016 to 2019 and an Assistant Manager from 2019 to 2021. Since 2016, Pauline has collaborated with individuals and families to explore strategies for saving, investing, and protecting wealth tailored to their priorities and concerns. She focuses on building personalized plans for retirement, investments, and income protection, supported by her team in areas including estate planning and tax-efficient investing. Pauline holds a California Insurance License. Outside of her professional work, Pauline enjoys family activities, hiking, traveling, and volunteering.

William Pollak is a financial advisor with LPL Financial in Walnut Creek, CA, holding a Series 66 designation and 16 years of industry experience. He has been with LPL Financial since 2011. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting, providing both discretionary and non-discretionary management along with model portfolios and research support.

Robert Morgan III is a CFP®-certified financial advisor with 24 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients by providing investment advisory services, financial planning, and retirement plan consulting. The firm employs over 14,000 financial advisors and manages approximately $671 billion in assets, offering a range of brokerage and advisory solutions.

Christina Egkan is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. She holds Series 63 and Series 65 licenses and previously worked at First Republic Securities Company and First Republic Bank for eight years. J.P. Morgan Securities LLC provides institutional consulting services to corporate, foundation, and defined contribution plan clients, offering asset allocation advice, investment manager searches, and customized performance reporting through a team of Wealth Advisors. The firm combines institutional advisory capabilities with brokerage, distribution, and investment management services.

Christopher Zonca is a financial advisor at OSAIC with 27 years of industry experience. He previously worked at Lincoln Financial Advisors Corporation for 26 years. In addition to his advisory role, he is licensed as an insurance agent and offers disability insurance, fixed and indexed annuities, long-term care insurance, and traditional life insurance. Osaic Wealth, Inc. serves a broad range of retail and institutional clients through a large network of affiliated advisers, providing integrated brokerage and investment advisory services. The firm employs various portfolio construction tools and supports discretionary and non-discretionary account management, including access to third-party money managers and multiple advisory platforms.

Michael Kidd is a financial advisor with Morgan Stanley in Walnut Creek, CA, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and at Morgan Stanley Smith Barney since 2011. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools supported by its Global Investment Committee.

Milton Guzman is a CFP® and holds a Series 66 license, with 16 years of industry experience. He has worked at LPL Financial and its DBA Advantage Wealth Advisors since 2015. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Kelly Strand is a financial advisor at Merrill Lynch Wealth Management. She works with clients using a goals-based planning approach to create personalized financial strategies aimed at helping clients pursue their financial goals. Kelly's expertise includes retirement solutions, tax minimization strategies, managing new wealth, personal retirement planning, portfolio management services, women and wealth, and retirement income. Kelly holds a Bachelor's Degree from the University of California San Diego and holds several professional designations including CERTIFIED FINANCIAL PLANNER (CFP), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). She applies a mindset shaped by her experience as a former collegiate track and field hurdler, focusing on preparation and staying composed to help clients navigate financial challenges. Outside her professional role, Kelly is involved as a Special Olympics coach. Her personal interests include gardening, hiking, pickleball, reading, running, skiing, spending time with family, traveling, and practicing yoga.

Kent Johansson is a financial advisor with UBS Financial Services in Walnut Creek, CA, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. He has been with UBS Financial Services since 2007. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services to provide tailored financial planning and portfolio management.

Alexa Bridge is a financial advisor at Wells Fargo Clearing with four years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Morgan Stanley, Bank of America, Merrill, and Jackson Family Wines. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Adam Messinger is a Series 66 licensed advisor with Merrill in Walnut Creek, CA, bringing 23 years of industry experience. He has been with Merrill since 2003 and has worked at Bank of America, N.A. since 2011. 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. The firm offers both model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Michael Teague is a financial advisor with Morgan Stanley in Pleasanton, CA, holding Series 63 and Series 65 credentials and having 40 years of industry experience. He has been with Morgan Stanley Private Bank, National Association since 2015 and with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process that includes firm-approved tools and scenario modeling.

Melinda Liu is a financial advisor at Morgan Stanley with two years of industry experience. She holds a Series 66 designation and previously worked at Edward Jones. Her background includes a variety of roles outside finance, such as positions at Wind Creek Bethlehem casino resort and 99% Food and Beverage, LLC. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutions, delivering tailored financial planning supported by structured discovery processes and advanced modeling tools. The firm manages approximately $2.74 trillion in client assets and offers comprehensive investment and planning services.

Douglas Robbins is a financial advisor at Merrill with 29 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Merrill and Bank of America since 2013. Outside of his advisory role, he is a co-owner of an antiques and collectibles business operated by his wife. 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. The firm offers a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Samantha Gruwell is a financial advisor at Morgan Stanley in Walnut Creek, CA, holding a Series 66 credential. She joined Morgan Stanley in 2025 and has prior experience working for Pixar Animation Studios for 13 years. Outside of finance, she operates Samantha Gruwell Weddings, an entrepreneurial venture. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a variety of advisory programs to individuals and institutions, including tailored financial planning supported by firm-approved tools and methodologies.

Alejandro Saavedra is a financial advisor at J.P. Morgan Securities with four years of industry experience. He holds a Series 66 designation and previously worked at Morgan Stanley and Bank of America Merrill Lynch. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its investment recommendations.