Nina Gabriel is a Wealth Management Advisor at Merrill Lynch Wealth Management, specializing in creating personalized financial strategies to help clients pursue their long-term goals. She works with a select group of families and businesses, focusing on areas such as education planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, socially responsible investing, women and wealth, individual and corporate investment strategy, tax minimization, and retirement income. Gabriel holds a Bachelor's degree from the University of California system and is a CERTIFIED FINANCIAL PLANNER® professional as well as a Personal Investment Advisor. She has been with Merrill since 1978, starting in the San Francisco branch office and later helping to open the Mill Valley branch in 1994. In 2020, she formed a partnership with Riley Gabriel-Lee. She resides in San Anselmo, Marin County, where she has lived since 1980. In addition to her professional work, Gabriel is involved in her community, volunteering with local organizations. Her personal interests include antiquing, gardening, hiking, traveling, watching movies, and spending time with her family.

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.

Karen Jaber is a financial advisor at LPL Financial with 32 years of industry experience. She previously worked for Western International Securities, Inc. for 12 years before joining LPL Financial in 2025. Outside of her advisory role, she conducts seminars and workshops focused on successful aging. LPL Financial is a national investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management 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 with Ameriprise in Walnut Creek, CA, holding Series 63 and Series 65 licenses and with 12 years of industry experience. She previously worked at J.P. Morgan Securities and Jpmorgan Chase Bank NA before joining Ameriprise in 2020. Brown is also involved with The WOWM Group LLC as an Associate Financial Advisor. Ameriprise Financial Services is a large advisory firm serving both individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service. The firm’s approach includes tailored written Recommendation Reports and ongoing advice focused on income reliability and tax-aware withdrawal strategies.

Nicholas Elliott is a Series 66-credentialed financial advisor with Equitable Advisors, based in Walnut Creek, CA, and has two years of industry experience. Prior to his advisory role, he has held positions in hospitality and retail, including at Appellation Lodi Wine & Roses Resort & Spa, where he continues to work as a banquet server. Equitable Advisors serves a wide range of clients, including individuals, pension plans, corporations, and charitable organizations, providing financial planning, retirement consulting, and asset-management programs through a network of Investment Adviser Representatives and third-party asset managers.

Dean Akazawa is a CFP® with 40 years of industry experience, currently serving as a financial advisor at Wells Fargo Advisors. He previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. Akazawa is a finance committee member at Santa Maria Catholic Church and has served as Grand Knight of the Knights of Columbus Council of Santa Maria. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser providing investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services tailored to clients who meet a net-worth threshold, utilizing Wells Fargo research and tools to develop recommendations.

Alexander Heckmann is a financial advisor at Stifel with four years of industry experience and holds a Series 66 designation. He has worked at Stifel since 2019, with a brief period of employment outside the financial industry including roles at Fisherman's Market and University of Oregon. Stifel serves a broad range of clients including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services that incorporate proprietary investment analysis and allocation methodologies developed by its Investment Strategy Group.

Michael Riherd is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2011 to 2016. Outside of his advisory role, he is a part-owner of investment-related rental properties in the Cayman Islands and California. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory options. The firm’s process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

Dianne Jones is a financial advisor with LPL Financial in Vallejo, CA, holding a Series 66 designation and 22 years of industry experience. She has been with LPL since 2015. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, and corporations through a national network of investment adviser representatives. The firm offers financial planning, advisory programs, and retirement plan consulting, utilizing both discretionary and non-discretionary management strategies supported by extensive research and a variety of investment options.

Mike Chang is a financial advisor with Charles Schwab, holding Series 63 and Series 66 licenses and 26 years of industry experience. He has been with Charles Schwab since 1999 and with Charles Schwab Bank since 2005. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment options, leveraging multi-asset model portfolios and centralized operational infrastructure.

Nora Clifford is a Financial Consultant at Fidelity Investments, a position she has held since 2025. Prior to this role, she served as a Planning Consultant at Fidelity Investments from 2022 to 2025. She has experience in retirement services, having worked as a Retirement Services Specialist at ForUsAll from 2021 to 2022. Earlier in her career, she was a Financial Advisor at AXA Equitable (Stonebridge Financial Group) from 2019 to 2021 and a Certified Divorce Financial Analyst at Wellspring Divorce Advisors from 2015 to 2019. Throughout her career, Nora has focused on providing thoughtful guidance and developing holistic financial strategies. Her approach emphasizes listening to clients to understand their priorities, whether they are growing their wealth or preparing for retirement. She holds a California Insurance License.

Diane Van Nostrand is a financial advisor at Morgan Stanley with 34 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Dunhill Financial and Citigroup Global Markets. In addition to her advisory role, she serves as a FINRA arbitrator, participating in securities dispute resolutions. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutions, utilizing structured financial planning tools and strategies developed by its Global Investment Committee. The firm manages approximately $2.74 trillion in client assets and provides services through both direct client engagements and corporate financial planning agreements.

Mohammed Bunyad is a financial advisor at J.P. Morgan Securities with 20 years of industry experience. He holds a Series 66 designation and has worked at JPMorgan Chase Bank, N.A. and Bank of the West prior to his current role. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. As a subsidiary of J.P. Morgan, the firm combines institutional advisory services with brokerage, distribution, and investment management capabilities.

Connor Gray is a financial advisor at Ameriprise with two years of industry experience. He holds a Series 66 designation and previously worked at Equitable Advisors, LLC. Outside of his advisory role, he owns and operates a shoe resale business. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service that provides ongoing advice and written recommendation reports focused on income sources and tax-aware withdrawal strategies.

Frank Lavin is a financial advisor at OSAIC based in San Francisco, CA, holding the CFP® and ChFC® designations with 39 years of industry experience. He previously worked at Securities America Advisors and National Planning Corporation. Outside of his advisory role, Lavin has served as a past president and board member of the Salesian Boys' and Girls' Club and participates in community organizations including the Sts. Peter and Paul Church Parish Council and the Fishermen and Seamen's Memorial Chapel. OSAIC serves a diverse client base, including individual, high-net-worth, pension, corporate, and charitable clients, providing a range of brokerage and advisory services supported by integrated technology and third-party platforms.