Melissa Bencomo is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and 11 years of industry experience. She has been with J.P. Morgan Securities since 2015 and has also worked at JPMorgan Chase Bank, N.A. since 2016. J.P. Morgan Securities LLC provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Richard Schacht is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. He has been with Wells Fargo Advisors since 2009, including roles at Wells Fargo Clearing. Wells Fargo Advisors Financial Network provides investment and financial planning services to individuals, trusts, and institutional clients, offering a broad range of planning options including retirement, risk, and wealth-transfer strategies. The firm utilizes proprietary research and planning tools to develop tailored recommendations delivered through client meetings and summary reports.

Jennie Shaw is a financial advisor with Morgan Stanley in Walnut Creek, CA, holding Series 65 and Series 66 credentials and 18 years of industry experience. She has been with Morgan Stanley and its predecessor Morgan Stanley Smith Barney since 2009, with a three-year gap between 2017 and 2020 when she was not employed. 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 tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools supported by its Global Investment Committee.

Roger Pelphrey is a financial advisor with Primerica Advisors in Danville, CA, holding Series 63 and Series 65 licenses and over 22 years of industry experience. He has been associated with PFS Investments Inc. since 2003 and Primerica Financial Services since 2002. Outside of his advisory role, he is a franchise owner of Osteostrong in Houston, TX and Dublin, CA, and works as a soccer referee in Danville. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and a limited number of separately managed account options to individual and high-net-worth clients. The firm curates third-party asset managers and employs a tiered wrap fee structure, with portfolio implementation delegated to BNY Mellon Advisors.

James Agrusa is a financial advisor with Ameriprise, holding a Series 66 designation and 24 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. In addition to his advisory role, he is involved in independent insurance brokering with Blue Shield of California and Kaiser Permanente. Ameriprise provides retirement-income planning services targeted at individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Vincent Dinneen is a financial advisor with Cetera, holding Series 63 and Series 66 registrations and bringing 41 years of industry experience. He has worked at Cetera and its affiliated entities since 2022 and began owning and operating Enhanced Financial Group, a financial services firm, in 2024. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and consulting services through a multi-manager platform that includes both affiliated and third-party managers, supporting various program structures and custodial relationships.

Arjun Rawat is a financial advisor at Edward Jones with eight years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at Bank of America, Merrill Lynch Pierce Fenner & Smith Inc, and Wells Fargo Clearing Services. He is based in San Ramon, CA. 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 advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Susan Kramer is a financial advisor at OSAIC Wealth, Inc. with 39 years of industry experience. She holds the Series 63 designation and previously worked at Royal Alliance Associates, Inc. and Signator Investors, Inc. before joining OSAIC in 2023. OSAIC Wealth, Inc. serves a diverse range of retail and institutional clients, offering integrated brokerage and investment advisory services through a large network of affiliated advisers. The firm employs various asset-allocation tools and third-party solutions to manage portfolios across multiple investment types on both discretionary and non-discretionary bases.

William Fox is a financial advisor at Merrill in Walnut Creek, CA, holding a Series 66 designation with six years at Merrill and three years previously at Bank of America. Before entering financial services, he worked in automotive sales at San Leandro Chrysler Dodge Jeep Ram for three years. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, providing model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Lawrence Delano is a CFP®-designated financial advisor with 38 years of industry experience, currently with Wells Fargo Clearing since 2016. He previously worked at Wells Fargo Advisors LLC from 2009 to 2016. 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 driven by investment policy statements and modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Michael Schomaker is a CFP® with 11 years of industry experience, currently serving as a financial advisor at Raymond James Financial. He previously worked at Securian Financial Services Inc. and Minnesota Life for eight years. Outside of his advisory role, he owns a rental property. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a wide range of clients, including individuals, corporations, and institutional accounts. The firm employs a non-discretionary, tailored approach utilizing risk profiling and modeling tools to support client goals and offers specialized services such as municipal advisory and SIMPLE IRA employer consulting.

Ed Choe is currently the Vice President and Branch Leader at Fidelity Investments, a position he has held since 2022. He has developed a career in financial services spanning over a decade, with previous roles including Director and Market Leader at Bank of America Merrill Lynch from 2015 to 2022, Vice President and Market Sales Manager at Merrill Lynch from 2013 to 2015, Assistant Vice President and Financial Advisor at Merrill Lynch between 2011 and 2013, and Financial Advisor at Morgan Stanley Smith Barney from 2010 to 2011. Ed holds a California Insurance License and focuses on helping clients, teammates, and the communities they serve. Outside of his professional responsibilities, he engages in activities such as golf, music, outdoor adventures, tennis, traveling, and volunteering.

Christian Lopez Ruiz is a financial advisor at Wells Fargo Clearing with three years of industry experience. He holds the Series 66 designation and has prior experience at Bank of America, Merrill, and California State University: East Bay. Outside of traditional financial roles, he has engaged in various self-employment activities including ridesharing and delivery services. 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 combines research from Wells Fargo Investment Institute and third parties with a broad range of brokerage and advisory solutions.

Rosalinda Kalani is a financial advisor with J.P. Morgan Securities in Dublin, CA, holding Series 66 and Series 63 designations and 15 years of industry experience. Her career includes roles at J.P. Morgan Securities and Jpmorgan Chase Bank since 2017, as well as prior positions at San Francisco Foods Specialties and Wells Fargo Bank. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence. The firm applies an ESG eligibility framework and offers non-discretionary services backed by a broad range of security and futures-related capabilities within the larger J.P. Morgan organization.

Ryan Chand is a financial advisor at LPL Financial with three years of industry experience. He holds a Series 66 designation and has been involved with The Jaz Team since 2018. Outside of his advisory role, he is also associated with AMO Soccer Academy. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, corporations, and charitable organizations. The firm offers various advisory programs, financial planning, and retirement consulting, supported by research and model portfolios.

Malgorzata Suligowska Rees is a financial advisor at Morgan Stanley with five years of industry experience. She holds the Series 66 designation and has been with Morgan Stanley since 2019. Outside of her advisory role, she operates a sole proprietorship involved in property management in London, UK. Morgan Stanley Wealth Management provides a wide 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 utilizing firm-approved tools and modeling techniques.

Samuel Eisenberg is a financial advisor with Ameriprise in Walnut Creek, CA, holding a Series 66 designation and three years of industry experience. He previously worked at BlackRock Financial Management for 21 years before joining Ameriprise in 2021. Ameriprise offers a retirement-income planning service targeted at individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations delivered through a centralized consulting team.

Kristeena Brown is a financial advisor at Ameriprise with 11 years of industry experience. She holds Series 65 and Series 63 licenses and has worked previously at J.P. Morgan Securities and JPMorgan Chase Bank. Brown is also an Associate Financial Advisor at The WOWM Group LLC, where she manages an advisory business. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, known for its Premier Retirement Income service that provides ongoing retirement income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Nicholas Elliott is a Series 66-licensed financial advisor with Equitable Advisors, based in Walnut Creek, CA, and has one year of industry experience. Prior to joining Equitable Advisors, he worked at Michael Dooher and has diverse experience in hospitality and service roles, including at Appellation Lodi Wine & Roses Resort & Spa where he remains active. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement plan support, and access to asset management through a variety of third-party managers. The firm employs a hybrid referral and implementation model, combining advisory and brokerage channels to tailor services based on client goals and risk tolerance.

Lilian Senra Vera is a financial advisor at Wells Fargo Clearing with seven years of industry experience. She holds Series 63 and Series 66 licenses and has been with Wells Fargo Clearing since 2018, following a prior role at Wells Fargo Bank NA. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process 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.