Edward Padnos is a financial advisor with Mass Mutual Investors Services and holds a Series 66 designation. He has been in the financial industry since 2026, with prior experience at Lenox Advisors, Inc., MassMutual Life Insurance Company, and MML Investors Services, LLC. Outside of finance, his background includes work in education and political campaign offices. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, annual financial planning engagements using firm-approved tools and delivers written recommendations without investment discretion.

Danilo Garcia is a financial advisor at Morgan Stanley with seven years of industry experience. He holds Series 65, Series 63, and Series 66 licenses. Prior to joining Morgan Stanley in 2025, Danilo worked at UBS Financial Services and J.P. Morgan Securities. Outside of his financial services career, he operates Danilo Jacob LLC, which provides personal training, boxing training, and mental skills training. 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 investment committee insights.

Alexandra Wlassowsky is a financial advisor with MassMutual Investors Services, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. Her career includes positions at Merrill Lynch, Wells Fargo Clearing Services, LPL Financial, Citigroup Global Markets, and a period of self-employment before joining her current firm. MassMutual Investors Services, LLC 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 using collaborative, goal-focused planning processes and a range of investment programs.

Troy Rouleau is a financial advisor with Osaic Wealth, Inc. He holds Series 63 and Series 66 licenses and has 18 years of industry experience. His prior roles include seven years at Lincoln Financial Advisors and twelve years at Scottrade, Inc. Osaic Wealth, Inc. serves a diverse range of retail and institutional clients through a large network of affiliated advisers. The firm offers integrated brokerage and investment advisory services, utilizing tools such as asset-allocation models, risk-tolerance questionnaires, and automated rebalancing to manage portfolios across various asset classes.

Bobbie Zerby is a CFP® professional with eight years of industry experience, currently serving at MassMutual Investors Services since 2018. She also holds a role with MassMutual Life Insurance Company beginning in 2017 and previously worked at Lime Light CRM. Outside of her advisory duties, she is the CEO of Bobbie Zerby Inc., an S corporation involved in advisory and financial services. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers a range of programs and educational seminars, structuring financial planning as an annual collaborative process using firm-approved analytical tools.

Adam Mazzaro is a financial advisor with J.P. Morgan Securities in Walnut Creek, CA, holding Series 63, 65, and 66 licenses and 12 years of industry experience. His prior roles include positions at US Bank NA, Bank of New York Mellon, and Personal Capital Advisors. Adam currently serves at J.P. Morgan Securities and JPMorgan Chase Bank. J.P. Morgan Securities provides investment consulting and advisory services to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework. The firm offers non-discretionary services primarily through its Institutional Consulting Services program.

Darrell Pitts is a financial advisor with Wells Fargo Clearing, holding a Series 63 designation and bringing 46 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. 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 advisory services. The firm’s approach is IPS-driven, incorporates modern portfolio theory, and includes a broad range of investment options such as insurance-related vehicles and bank deposit sweep programs.

William Peters Jr. is a financial advisor at Morgan Stanley with 32 years of industry experience. He holds the Series 63 and Series 66 designations and has worked at Morgan Stanley Private Bank, N.A. since 2015 and at Morgan Stanley Smith Barney LLC since 2009. 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 that utilizes structured discovery and firm-approved tools to model outcomes, managing approximately $2.74 trillion in client assets.

Niraj Baxi is a financial advisor at OSAIC with 41 years of industry experience. He holds the ChFC® and Series 63 designations. His prior experience includes roles at Royal Alliance Associates, Inc. and Signator Investors Inc. Baxi is also the owner of Baxi Insurance & Financial Services, a sole proprietorship focused on client solicitation and maintenance. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers a range of integrated brokerage and advisory services, utilizing asset-allocation tools and third-party money managers to construct portfolios tailored to client risk tolerances.

Yvonne Gray is a financial advisor at Morgan Stanley in Walnut Creek, CA, holding Series 63 and Series 65 licenses with 31 years of industry experience. She has been with Morgan Stanley since 2009. Outside of her advisory role, she is involved as a successor in an estate-related business in Bend, Oregon. 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 that utilizes structured discovery conversations and firm-approved tools.

Margret Nasry is a financial advisor at Merrill with a Series 66 designation and five years of industry experience. Her prior work includes roles at Bank of America, Plastikon Industries Inc, Lenme Inc, and Orange Telecommunication. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Robert Bowen is a financial advisor at OSAIC with 31 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Executive Incentive Programs, Inc., and Woodbury Financial Services. Bowen is also engaged as an employee benefits and insurance agent, focusing on life, health, disability, and employee benefits. OSAIC serves a diverse range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and advisory services, financial planning, and access to third-party money managers. The firm utilizes asset-allocation tools and automated rebalancing to manage portfolios across various asset classes on both discretionary and non-discretionary bases.

Pamela Thalund is Vice President and Wealth Planner at Fidelity Investments, a position she has held since 2021. In this role, she utilizes her extensive experience in financial services to assist clients in developing and maintaining personalized financial plans aimed at achieving their unique goals. Her career in the financial industry spans several decades, including roles such as Financial Consultant at Fidelity Investments from 2012 to 2021, Senior Manager at TD Ameritrade Institutional from 2008 to 2012, and various leadership positions at TD Waterhouse and Waterhouse Securities dating back to 1992. Pamela holds a California Insurance License, supporting her ability to provide comprehensive financial advice. Pamela emphasizes building personal relationships with clients to understand their individual situations and collaborates with them to implement strategies and investments tailored to their needs.

Robert Oconnor is a financial advisor with LPL Financial in Walnut Creek, CA. He holds the Series 66 credential and has less than one year of industry experience. His background includes roles at TikTok and various educational institutions. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of financial planning, advisory programs, and brokerage services supported by research, model portfolios, and technology-driven solutions.

Michael West is a CFP®-certified financial advisor with 39 years of industry experience, currently affiliated with Cetera. His career includes long-term roles at Avantax Advisory Services and Avantax Investment Services. In addition to his advisory work, he operates tax preparation and accounting services through Michael West & Associates. Cetera Investment Advisers LLC serves a broad client base that includes individual investors, retirement plans, corporate and charitable clients, and institutions. The firm offers a range of portfolio management, financial planning, and retirement services through a multi-manager platform with various program structures and extensive access to third-party managers.

Annalisa Chan is a financial advisor at Wells Fargo Clearing with 23 years of industry experience. She holds the Series 66 designation and has worked at Wells Fargo Clearing since 2016, following five years 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 non-discretionary and discretionary investment management. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Jacob Marquez is a financial advisor at Morgan Stanley with a Series 66 designation and three years of industry experience. Prior to joining Morgan Stanley, he worked at Oregon Health & Science University and held roles at Toyota of Gladstone and Oregon State University. Morgan Stanley Wealth Management offers advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm utilizes a structured planning process with firm-approved tools and provides a broad range of investment and financial services.

Lindsay Romig is a financial advisor with Merrill in Walnut Creek, CA, holding Series 63 and Series 65 credentials and having 21 years of industry experience. Her prior roles include positions at Wells Fargo Clearing, First Republic Investment Management, and Morgan Stanley. Outside of her advisory work, she owns a recording music company and serves on the board of Open Floor International, a nonprofit focused on embodied movement and dance for emotional and community resilience. Merrill provides managed account services through its Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions, supported by internal and third-party managers.

Kathryn Romanczuk is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 designations and bringing 38 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2011 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering investment policy statement preparation, investment recommendations, performance reporting, participant education, and plan benchmarking. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, serving as an ERISA fiduciary and offering both non-discretionary and discretionary services tailored to plan objectives and demographics.

Yoav Karni is a financial advisor with Cambridge Investment Research Advisors in Walnut Creek, CA, holding Series 63 and Series 65 licenses and bringing 16 years of industry experience. He has worked with West Coast Financial Wealth Management and maintained independent advisory roles since 2001. Outside of his advisory work, Karni is a general agent for life, disability, and Medicare insurance products. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, retirement plans, and charitable organizations. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals using a range of portfolio management and model-based solutions.