Paul Giacoletti is a CFP® with 26 years of industry experience, currently serving as a financial advisor at Wells Fargo Advisors since 2022. His prior experience includes roles at Wells Fargo Clearing and Prudential Equity Group, LLC. He holds a minority ownership in BPGE Capital Management LLC. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad planning menu that includes cash-flow, retirement, education, risk, and wealth-transfer planning, as well as specialized services for business-owner transitions, sports and entertainment, special needs, and divorce planning.

Stephen Hsieh is a financial advisor at OSAIC with 15 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Royal Alliance Associates, Inc. and Signator Investors, Inc./JHFN. Outside of his advisory role, he operates as an independent life and insurance sales agent under the DBA Pacific Financial Partners. OSAIC serves a diverse client base including retail investors, retirement plan sponsors, charities, and corporate clients, offering both brokerage and advisory services through a multi-advisor platform. The firm’s investment approach emphasizes model-based asset allocation and portfolio optimization, supported by risk assessment tools and a range of managed account strategies.

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 worked at Morgan Stanley for one year before joining LPL Financial in 2011. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, with advice and account management delivered primarily by investment adviser representatives utilizing a range of investment strategies.

Robert Morgan III is a CFP® professional with 24 years of industry experience. He is currently with Wells Fargo Clearing, where he has worked for 10 years, and previously spent six years at A. G. Edwards & Sons, Inc. Outside of his advisory role, he is involved in managing a rental property jointly owned with his spouse. 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 through more than 14,000 financial advisors, offering a combination of brokerage and advisory solutions supported by research and analytics.

Christina Egkan is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. She previously worked at First Republic Securities Company and First Republic Bank for eight years before joining J.P. Morgan in 2023. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. Their advisory approach combines quantitative and qualitative research with forward-looking capital market assumptions to build model asset allocations.

Christopher Zonca is a financial advisor at OSAIC with 27 years of industry experience. He holds Series 63 and Series 65 designations. Prior to joining OSAIC in 2025, he spent 26 years with Lincoln Financial Advisors Corporation. Outside of his advisory role, he is also licensed as an insurance agent, offering disability insurance, fixed/indexed annuities, long-term care insurance, and traditional life insurance. OSAIC Wealth serves a diverse client base, including individual investors, retirement plan sponsors, charities, and corporate clients, providing a range of brokerage and advisory services. The firm’s investment approach focuses on model-based asset allocation and portfolio optimization, supported by tools such as risk-tolerance questionnaires and efficient frontier analysis.

Michael Kidd is a financial advisor at Morgan Stanley with 35 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Wells Fargo Investments. Kidd has been with Morgan Stanley since 2011, including time at its Private Bank division. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs focused on tailored financial planning, managing approximately $2.74 trillion in client assets.

Milton Guzman is a CFP®-certified financial advisor with 16 years of industry experience. He is currently with LPL Financial and has previously worked at Advantage Wealth Advisors, First Allied Advisory Services, Merrill, and Morgan Stanley. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a large network of over 22,000 advisors.

Kelly Strand is a financial advisor at Merrill Lynch Wealth Management. She specializes in managing new wealth, personal retirement planning, portfolio management services, women and wealth, tax minimization, and retirement income. Kelly employs a goals-based planning approach to develop personalized financial strategies tailored to her clients' long-term aspirations. Prior to her current role, Kelly gained experience in commercial banking, which informs her work with clients on retirement solutions, tax minimization strategies, and navigating diverse economic landscapes. She holds professional designations including CERTIFIED FINANCIAL PLANNER (CFP), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Kelly earned her Bachelor's Degree from the University of California San Diego. In addition to her professional responsibilities, Kelly is involved in community coaching as a Special Olympics Coach. Her personal interests include gardening, hiking, pickleball, reading, running, skiing, spending time with her family, traveling, and practicing yoga. Kelly communicates in both English and American Sign Language (ASL).

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.

Nicholas Schweigert is a financial advisor at Merrill with seven years of industry experience. He holds the Series 66 designation and has been with Merrill and Bank of America since 2013. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services through the Select Portfolio Solutions Program, providing model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

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.

Melissa Bencomo is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. She holds Series 63 and Series 66 licenses and has worked with JPMorgan Chase Bank and J.P. Morgan Securities since 2015. She is based in Livermore, California. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. The firm offers non-discretionary asset allocation advice, investment manager and fund searches, and customized performance reporting, supported by centralized due diligence and a combination of quantitative and qualitative research.

Richard Schacht is a financial advisor at Wells Fargo Advisors with 38 years of industry experience. He holds Series 63 and Series 65 licenses. His prior work includes nine years at Wells Fargo Clearing and seven years at A. G. Edwards & Sons, Inc. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services, including specialized areas such as business-owner transition and sports and entertainment planning, supported by Wells Fargo’s research and planning tools.