Alexis Zulueta is a financial advisor at LPL Financial with 27 years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at UBS Financial Services and E.K. Riley Investments. Outside of his advisory role, he is a licensed insurance agent and a notary public. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory services including financial planning and access to model portfolios, with a notable scale of over 22,800 advisors and $819 billion in discretionary assets under management.

Erin Escobar is a financial advisor with Fidelity Investments in San Ramon, CA, holding Series 63 and Series 65 licenses and four years of industry experience. Prior to joining Fidelity, she worked at Dibbler, Inc., Franklin Energy, Build It Green, and Digistream Investigations. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients, including an IRS-qualified Charitable Gift Fund and registered investment companies. The firm combines proprietary fundamental research with quantitative analysis and algorithmic portfolio construction, providing model portfolios that utilize mutual funds, ETFs, and ETPs through systematic methodologies and long-term asset allocation benchmarks.

Efrain Velasquez is a financial advisor at Merrill with one year of industry experience. He holds a Series 66 designation and has worked at Merrill and Bank of America, N.A., as well as Wells Fargo. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services for Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm provides a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Samantha Balboni is a financial advisor with Osaic, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. She spent three decades with Lincoln Financial Advisors Corporation before joining Osaic in 2025. Outside of advising, she volunteers as a Veteran’s Coordinator with the Elks Lodge, assisting formerly homeless veterans in furnishing their homes. Osaic Wealth, Inc. serves a diverse client base, including individual and institutional investors, offering integrated brokerage and advisory services through a large network of affiliated advisers. The firm employs asset-allocation tools, risk assessments, and automated rebalancing to manage portfolios that may include a range of securities across discretionary and non-discretionary accounts.

Hector Medina is a financial advisor at Merrill with a Series 66 credential and two years of industry experience. He has worked at Merrill since 2019 and is currently associated with Bank of America, N.A. Outside of his advisory role, he owns and operates a tattoo business and works as a delivery driver for Amazon Flex. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

Gillian Lim is a financial advisor with Primerica Advisors in Brentwood, CA, holding Series 63 and Series 65 licenses and eight years of industry experience. Her work history includes roles at the Internal Revenue Service, PFS Investments Inc., and Primerica Financial Services since 2017, as well as prior experience at Knowledge Lake. Outside of advisory services, she is involved part-time with ASEA, a wellness company offering dietary supplements. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and limited separately managed account options. The firm uses a tiered wrap-fee structure and curates third-party asset managers, delegating trading responsibilities to BNY Mellon Advisors.

Banani Satpathy is a financial advisor at J.P. Morgan Securities with 7 years of industry experience. She holds Series 63 and Series 66 licenses and has been with J.P. Morgan Securities since 2018, also working with JPMorgan Chase Bank, N.A. since 2016. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering asset-allocation advice, investment manager and fund searches, and customized performance reporting through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

Neil Hunter Smith is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds Series 63 and Series 65 licenses and has three years of industry experience. Prior to joining Raymond James, he worked at NYLIFE Securities LLC and New York Life Insurance Company. Outside of finance, he previously managed entrepreneurial ventures including Lightning Fit and Urban Golf Performance. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual and institutional clients. The firm offers tailored, non-discretionary planning and utilizes analytical tools to model potential outcomes, supporting implementation through advisory programs or other providers.

Gursharanpal Banga is a financial advisor at Merrill with Series 63 and Series 66 designations and three years of industry experience. His prior work includes roles at Bank of America and JPMorgan Chase Bank, as well as a period working outside the financial sector at Angelos Pizza And Wings. 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 investment strategies for a diverse range of clients including individuals, high-net-worth clients, and organizations.

Michael Tate is a CFP® with 39 years of industry experience, currently affiliated with Cetera. His prior roles include positions at OSAIC, Woodbury Financial Services, Bay Area Wealth Management Group LLC, and several other financial firms. He is an officer of Bay Area Wealth Management Group LLC, where he has been involved in financial planning and wealth management since 2019. Cetera Investment Advisers LLC is a nationwide network of independent advisors serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and consulting services through multiple program structures and a mix of discretionary and non-discretionary authorities.

Thomas Kennedy is a financial advisor at Wells Fargo Clearing with 35 years of industry experience. He holds the Series 66 designation and has been with Wells Fargo Clearing since 2016, following a year at Wells Fargo Advisors, LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s approach is driven by investment policy statements and modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in its investment offerings.