Steven Cline is a financial advisor at Morgan Stanley with four years of industry experience. He holds the Series 66 designation and has been with Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2020. Outside of his advisory role, Cline is also a music composer. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs and tailored financial planning that utilizes firm-approved tools and modeling techniques.

Dharma Westphal is a financial advisor with Primerica Advisors in San Ramon, CA, holding Series 63 and Series 65 licenses and three years of industry experience. Prior to joining Primerica Advisors, Dharma has held various roles within Primerica Financial Services and has experience outside finance including work with The Dance Center and Summerfield Waldorf School and Farm. Outside of advisory work, Dharma is an independent contractor for Twitch Interactive, dedicating several hours monthly. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and a limited number of separately managed account options. The firm uses third-party asset managers and BNY Mellon Advisors for trading and emphasizes a tiered wrap fee structure.

Nicholas Gums is a financial advisor at LPL Financial with 17 years of industry experience. He holds a Series 66 designation and has previously worked at firms including TD Ameritrade, Charles Schwab, Bank of America, Merrill, and J.P. Morgan Securities. He also serves as a Wealth Management Private Banker at Fremont Bank. 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.

Gerard Soriano Jr. is a financial advisor with UBS Financial Services in Alamo, CA, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been with UBS Financial Services since 2013. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and discretionary portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor strategies to clients’ goals and risk tolerances.

Andrew Thiermann is a financial advisor with Mass Mutual Investors Services who holds a Series 66 designation and has two years of industry experience. He has worked at several firms, including MML Investors Services, MassMutual Life Insurance Company, and NY Life Securities LLC. Thiermann is also active as an insurance broker with Lenox Advisors, specializing in life, disability, long-term care, fixed annuities, and health insurance. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars with a structured, collaborative approach using firm-approved analytical tools.

Michael Tran is a financial advisor at RBC Capital Markets with 13 years of industry experience. He holds a Series 66 designation and has previously worked at Fidelity Brokerage Services and Charles Schwab & Co., Inc. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutional clients, and charitable organizations. The firm offers a range of advisory programs with customizable portfolio management and financial planning services, utilizing both in-house and third-party investment managers.

Victoria Watson is a financial advisor with Edward Jones in Alameda, CA, holding a Series 66 designation and 16 years of industry experience. She has been with Edward Jones since 2010. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment strategies supported by a large network of financial advisors and branch offices across the country.

Man Shing Wong is a financial advisor at Merrill with eight years of industry experience. He holds a Series 66 designation and has been with Merrill and Bank of America since 2010. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program. The firm serves a diverse client base including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations, offering model-based and discretionary investment strategies developed by internal and third-party managers.

Richard Klotz is a financial advisor at Osaic with 36 years of industry experience. He holds Series 63 and Series 65 designations and has been with Osaic since 2006. Outside of his advisory work, Klotz serves as president of the Twinoak Place Homeowners Association, overseeing the governance and management of the community. OSAIC Wealth, Inc. serves a broad mix of retail and institutional clients through a large network of affiliated advisors and offers integrated brokerage and investment advisory services. The firm employs asset-allocation tools, risk-tolerance assessments, and automated rebalancing to manage diversified portfolios for individual and high-net-worth investors, pension plans, corporations, and charitable organizations.

Michael Herberger is a financial advisor with Cetera, holding a Series 66 designation and 25 years of industry experience. He has worked at Cetera since 2021, previously serving at VOYA Financial Advisors and Osaic FA, Inc. Michael is also an independent insurance agent involved in the sales of fixed insurance products. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform that includes affiliated and third-party managers, with over $256 billion in assets under management across more than 10,000 advisors.

Lois Leynse is a financial advisor with Cetera based in Oakland, CA. She holds Series 63 and Series 65 licenses and has 28 years of industry experience, including over 27 years with Avantax Advisory Services. In addition to her advisory work, she has operated the Financial Fitness Center since 1993, specializing in tax preparation and supervision. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a multi-manager platform offering discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Alexander Binnie is a CFP®-designated financial advisor with Ameriprise, based in Orinda, CA, and has 35 years of industry experience. He has been with Ameriprise and its affiliate since 2005. Outside of his advisory role, he serves on the Board of Directors for Watchpoint Logistics and engages in freelance fiction and nonfiction writing. Ameriprise Financial Services is a large, diversified firm serving both individual and institutional clients. Its Premier Retirement Income service offers tailored retirement income planning through a written Recommendation Report and ongoing advice, with a focus on income sources and tax-aware withdrawal strategies.

Phil Park is a financial advisor at Morgan Stanley with eight years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2017, following a prior role at LendingClub. 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, including tailored financial planning supported by structured discovery conversations and firm-approved planning tools.

Austin Batista is a financial advisor with Cetera, holding Series 63 and Series 66 credentials and bringing 16 years of industry experience. He has been with Cetera since 2019, following prior roles at Foresters Advisory Services LLC and Foresters Financial. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers diverse portfolio management and financial planning services through a multi-manager platform with access to affiliated and third-party managers, operating across various program structures and custodial relationships.

Ryan Duffy is a financial advisor with UBS Financial Services in Walnut Creek, CA, holding a Series 66 designation and eight years of industry experience. Prior to joining UBS in 2017, he worked in the beverage industry with Eight Bridges Brewing and Wine Warehouse. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, combining proprietary research and model-based asset allocations to tailor financial plans. The firm integrates institutional trading capabilities with wealth management services and offers a broad range of capital markets solutions.

Jourdan Erik Sy is a CFP® professional with 19 years of industry experience, currently serving as a financial advisor at Wells Fargo Advisors since 2014. He holds a California real estate broker license and is also a notary public. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and financial planning services to individuals, trusts, and institutional clients, offering a broad range of planning options tailored to client needs.

Maurice Storch is an International Wealth Advisor with Merrill Lynch Wealth Management. He leads a team of investment professionals, leveraging the global banking resources of Bank of America alongside Merrill Lynch’s investment capabilities to deliver comprehensive wealth management services to plan sponsors and corporate executives. With 23 years of experience in the financial services industry, Maurice joined Merrill Lynch in September 2017. His expertise includes corporate benefit programs, such as Stock Plans, and he assists clients in integrating these benefits into long-term financial strategies centered on risk management. Maurice holds the designations of Equity Plan Consultant (EPC) and Personal Investment Advisor (PIA). He earned a High School Diploma from Rio Mesa High School and attended the California State University System without receiving a degree.

Delaney Dunn is a Financial Advisor with the Dunn Scott Group at Merrill Lynch Wealth Management. She works with successful individuals, executives, and business owners to simplify complex financial decisions and align financial strategies with their long-term goals. Her focus includes retirement planning, wealth transfer strategies, business transitions, and managing significant financial decisions. Delaney emphasizes bringing clarity to complexity and helping clients navigate opportunities and challenges throughout different stages of life. She holds a Bachelor's Degree from the University of Alabama System and has earned professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Since beginning her career with Merrill Lynch as an intern at 18, she has embraced continuous learning to provide client-centric financial advice. Delaney and the Dunn Scott Group leverage over 30 years of experience in assisting high net worth families with wealth management, working closely with clients' other advisors to deliver a coordinated approach that includes wealth transfer, tax minimization, and estate planning. Beyond her advisory role, Delaney serves as Vice President of the Women's Exchange at Merrill in San Francisco East Bay. Outside of work, she enjoys camping, cooking, reading, spending time with her family, and traveling.

Jacob Figueira is a CFP® professional with 18 years of industry experience, currently with Charles Schwab in Walnut Creek, CA. He has worked at Charles Schwab and Charles Schwab Bank SSB since 2019 and previously held roles at TD Ameritrade and Scottrade. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, through the Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and employs multi-asset model portfolios with strategic asset allocation and alternative investment options.

John Aaron is a financial advisor at Cetera with 18 years of industry experience and holds a Series 66 credential. He has worked at multiple firms, including Avantax and Hawkes Hastings & Aaron Accountancy Corporation, where he provides accounting services and tax planning for individuals and businesses. Outside of advisory services, he is involved in mortgage origination and processing through Wymac Capital Mortgage. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base that includes individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a variety of investment management solutions through a multi-manager platform, supporting both discretionary and non-discretionary accounts with access to affiliated and third-party portfolio managers.