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.

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.

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.

Rashid Coleman is a financial advisor at J.P. Morgan Securities with 24 years of industry experience. He holds a Series 66 designation and has been with J.P. Morgan Securities since 2012, also working concurrently at JPMorgan Chase Bank, N.A. since 2009. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

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® professional with 39 years of industry experience, currently serving at Wells Fargo Clearing since 2016. He previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides a broad range of brokerage and advisory solutions.

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.