Michael Kennedy is a financial advisor with LPL Financial, holding Series 63 and 66 licenses and bringing 38 years of industry experience. His career includes roles at Osaic Wealth, Inc., Royal Alliance, and Pacific Pension & Benefit Services, Inc., where he has also served as a notary public since 2020. He is a minority owner of Green Swan Inc., a startup based in Novato, CA. 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 financial planning and investment management services, utilizing a combination of proprietary research, third-party subadvisors, and technology tools across a large advisory network.

Andres Dela Torre is a Series 66 licensed financial advisor at LPL Financial with three years of industry experience. His prior work history includes roles at Bank of America, Merrill, and Wells Fargo Clearing. Outside of advisory work, he is involved in operating a for-profit business, La Michoacana, in Concord, CA. 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 and access to model portfolios and third-party asset management, supported by extensive operational tools and oversight of significant assets under management.

Scott Esco is a financial advisor at Ameriprise with 29 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory work, he owns and manages Esco and Associates, Inc., a separate business. Ameriprise provides retirement-income planning services primarily for individuals with significant investable assets, delivering customized recommendation reports that incorporate research and modeling to support tax-efficient withdrawal strategies and Social Security claiming decisions. The firm combines personalized advice with algorithmic tools and offers a broad range of advisory, brokerage, and insurance solutions.

Kristin Sullivan is a financial advisor with Raymond James Financial, holding a Series 63 designation and 29 years of industry experience. She previously worked at Charles Schwab and Charles Schwab Bank from 1995 to 2024. Sullivan is also an independent contractor with Summit Financial Group, where she works directly with clients on wealth management. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, institutions, and charitable organizations, utilizing advanced analytical tools and offering specialized programs such as municipal and SIMPLE IRA advisory services.

Theresa Trayner is a financial advisor at Edward Jones in Tracy, CA, holding a Series 66 designation with three years of industry experience. She has worked at Edward Jones since 2012. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a range of discretionary and non-discretionary investment strategies, including separately managed accounts and affiliated mutual funds, and operates under a fiduciary standard.

Thomas Strohl Jr. is a CFP® credentialed financial advisor at OSAIC with 28 years of industry experience. He joined OSAIC in 2025 after spending 27 years with Lincoln Financial Advisors Corporation. Outside of advisory services, he is an insurance agent offering disability, long-term care, and life insurance products through Lincoln National Life Insurance Company, and he is a limited partner in an LLC managing business expenses. Osaic Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of advisers and multiple platforms. The firm offers integrated brokerage and advisory services along with various portfolio management tools, supporting both discretionary and non-discretionary accounts, and utilizes third-party providers to deliver a broad range of investment solutions.

Christina Pacheco is a financial advisor with Cetera, holding a Series 66 designation and bringing 10 years of industry experience. Her career has included various roles within Cetera and related entities since 2015, as well as positions at LPL Financial and AssetMark Financial. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients through a large nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform that includes affiliated and third-party model portfolios and strategies.

Edward Rusnak is a financial advisor with OSAIC, holding a Series 66 designation and bringing 21 years of industry experience. He spent 20 years with Lincoln Financial Advisors before joining OSAIC in 2025. Outside of advisory work, he conducts personal financial educational seminars as an instructor for local employee assistance programs. OSAIC serves a broad range of clients including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of advisers and advisory platforms. The firm employs asset-allocation tools, risk-tolerance questionnaires, and automated rebalancing to manage diversified portfolios across various asset classes and offers integrated brokerage, advisory, and third-party managed account services.

Erik Swoope is a financial advisor at Raymond James Financial with two years of industry experience. He holds the Series 66 designation and previously worked at Morgan Stanley and its Private Bank division. Outside of his advisory work, he coaches middle school to college-aged students in football and basketball and co-owns a hair salon in San Ramon, California. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, institutions, and charitable organizations. The firm utilizes tailored, non-discretionary planning supported by analytical tools and emphasizes a broad range of advisory programs and institutional consulting services.

Christopher Mcclure is a financial advisor at OSAIC with 31 years of industry experience. He previously worked at Lincoln Financial Advisors Corporation for 31 years before joining OSAIC in 2025. Mcclure holds a Series 63 designation and is involved in the life settlements business through approved vendors. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and investment advisory services supported by a range of tools and third-party platforms.

Kinley Wong is a financial advisor at OSAIC with 25 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked for Lincoln Financial Advisors for 24 years. In addition to his advisory role, he is an insurance agent involved in the sale of accident and health insurance, disability insurance, long-term care insurance, fixed/indexed annuities, and life settlements. OSAIC serves a broad client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, financial planning, retirement consulting, and access to third-party money managers, utilizing firm-provided asset-allocation tools and multiple platforms to construct customized portfolios.

John Jaber is a financial advisor at UBS Financial Services with 41 years of industry experience. He holds Series 63 and Series 65 designations and has been with UBS since 2014. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor client plans.

Michael Muniz is a financial advisor with UBS Financial Services holding a Series 66 designation and 26 years of industry experience. His prior work includes positions at Bank of America and Merrill Lynch, Pierce, Fenner & Smith Inc. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm uses proprietary research and model-based asset allocations to tailor financial plans and portfolio management to clients’ goals and risk tolerances.

Jordan Frierson is a financial advisor at OSAIC with two years of industry experience. He holds the Series 66 designation and has previously worked at Lincoln Financial Advisors Corporation and Acord & Fong Wealth Strategies. Outside of his role at OSAIC, he receives advisory compensation through his team's LLC, which functions solely as a pass-through entity for his advisory duties. Osaic Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, utilizing various portfolio construction tools and third-party platforms to manage a broad range of investment products.

Vanessa Savage is a financial advisor with Raymond James Financial and holds a Series 66 designation. She has 22 years of industry experience, including roles at Morgan Stanley and Summit Financial Group, where she serves as an independent contractor and member of the leadership team. She is also involved in selling fixed insurance, long-term care, and disability solutions through Raymond James Insurance Solutions. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, pension plans, corporations, charitable organizations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using risk profiling and modeling tools and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

Pacific Eng is a financial advisor at Osaic Wealth, Inc. with four years of industry experience. They hold a Series 66 designation and have prior experience at Lincoln Financial Advisors and UC San Diego. Outside of advisory services, Pacific Eng offers fixed insurance products including annuities and life insurance. Osaic Wealth, Inc. serves a broad range of retail and institutional clients through a large network of affiliated advisors and multiple advisory platforms. The firm employs asset-allocation tools, risk-tolerance questionnaires, and automated rebalancing to construct diversified portfolios across various asset classes, providing both discretionary and non-discretionary management options.

David Liebowitz is a financial advisor at UBS Financial Services in Danville, CA, holding a Series 66 designation. He began his advisory career at UBS in 2025 after prior experience at Five9 and four years at the University of California Berkeley. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, offering a broad range of capital markets and advisory solutions.

Benjamin Horn is a financial advisor with Osaic, holding Series 63 and Series 65 licenses and bringing 19 years of industry experience. He previously worked at Lincoln Financial Advisors for 22 years before joining Osaic in 2025. In addition to his advisory role, Horn offers various insurance products including accident/health, disability, fixed/indexed annuities, long-term care, traditional life insurance, and Medicare supplement plans. Osaic Wealth, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, employing asset-allocation tools and risk assessments to manage portfolios across multiple asset classes with options for discretionary or non-discretionary management.

Dipanki Shah is a financial advisor at Wells Fargo Clearing with nine years of industry experience. He holds Series 63 and Series 65 licenses and has been with Wells Fargo Clearing since 2016. Prior to that, he worked at Wells Fargo Advisors LLC and Wells Fargo Bank, NA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment services. The firm’s IPS-driven advisory process incorporates a range of financial products, including insurance-related vehicles and bank deposit sweep options, and it serves as an ERISA fiduciary when providing investment advice.

Qiaoyi Yu is a financial advisor with Charles Schwab, holding Series 63 and Series 66 credentials and seven years of industry experience. Prior to joining Charles Schwab, Yu worked at J.P. Morgan Securities LLC and Wells Fargo in various roles. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm offers both non-discretionary and discretionary investment options, combining multi-asset model portfolios with access to alternative investments within an integrated client service model.