Nicholas Ng 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 and Merrill since 2015. 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 model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

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 with 39 years of industry experience. She holds a Series 63 designation and has worked at several firms, including Royal Alliance Associates, Signator Investors, and Transamerica Financial Advisors. OSAIC Wealth serves a diverse client base, including retail investors, retirement plans, charities, and corporate clients, offering brokerage and advisory services through a multi-advisor platform. The firm’s investment approach focuses on model-based asset allocation and portfolio optimization, providing a range of programs and third-party manager options.

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.

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.

Matthew Koob is a financial advisor at Morgan Stanley in Orinda, CA, holding a Series 66 designation. He joined Morgan Stanley in 2025 and has experience working with Northwestern Mutual and Colorado State University prior to his current role. 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 methodologies. The firm manages approximately $2.74 trillion in client assets and provides services including estate planning and diversified investment strategies.

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.

Ryan Chand is a financial advisor with LPL Financial in Walnut Creek, CA, holding a Series 66 designation and three years of industry experience. He has been involved with The Jaz Team since 2018 and participates in AMO Soccer Academy. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by advanced operational tools.

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 with Ameriprise in Walnut Creek, CA, holding Series 63 and Series 65 licenses and possessing 12 years of industry experience. She previously worked at J.P. Morgan Securities and J.P. Morgan Chase Bank for a combined total of 10 years. Brown is also involved with The WOWM Group LLC as an associate financial advisor. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a retirement income service focused on written recommendations and annual planning advice that emphasizes dependable income sources and tax-aware withdrawal strategies.

Dean Akazawa is a CFP® professional with 40 years of industry experience, currently with Wells Fargo Advisors since 2025. His prior experience includes roles at Wells Fargo Clearing from 2016 to 2025 and UBS Financial Services from 1997 to 2008. He serves on the finance committee of Santa Maria Catholic Church in Orinda, CA, and is Grand Knight of the Knights of Columbus Council of Santa Maria. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services, offering a broad range of planning options tailored to clients who meet a net-worth threshold.

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.

Toan Ta is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. He has been with Bank of America and Merrill since 2015. 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 individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Michael Riherd is a financial advisor at Wells Fargo Clearing with 33 years of industry experience. He holds Series 63 and Series 65 designations. Prior to joining Wells Fargo in 2016, he worked at Merrill from 2004 to 2011 and at AllianceBernstein L.P. from 1997 to 2004. 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 offers a combination of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party analytics.

Jensen Dansie is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and 11 years of industry experience. He has worked in various roles at J.P. Morgan entities since 2014, including both J.P. Morgan Securities and JPMorgan Chase Bank. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The firm supports its advisory process with centralized due diligence combining quantitative and qualitative research and incorporates ESG factors into its model asset allocations.

Badrakhmaa Bukhkhuu is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and four years of industry experience. Prior to joining J.P. Morgan, Bukhkhuu worked at Bank of America and has been with JPMorgan Chase Bank, N.A. since 2022. 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 process integrates quantitative and qualitative research with forward-looking capital market assumptions to develop model asset allocations, including ESG considerations.