Mark Berkman is a financial advisor at OSAIC with 11 years of industry experience. He holds Series 65 and Series 63 licenses and has been a general partner providing CPA professional services through Mark G. Berkman CPA since 1990. Prior to joining OSAIC in 2025, he worked at Lincoln Financial Advisors for two years. OSAIC Wealth serves a diverse client base, including retail and institutional investors, with a multi-advisor platform offering brokerage and advisory services. The firm’s investment approach centers on model-based asset allocation and portfolio optimization, supported by advanced tools and multiple program options.

Thomas Mullen is a financial advisor with Morgan Stanley in San Rafael, CA, holding Series 63 and Series 65 licenses and 44 years of industry experience. He has been with Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2015. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques to support its financial planning services.

Michael Welch is a financial advisor with Morgan Stanley in San Rafael, CA, holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. His career includes roles at Morgan Stanley Private Bank and Merrill, as well as Bank of America. Morgan Stanley Wealth Management serves individuals and institutional clients with a broad range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and modeling techniques.

Brett Goldstein is a financial advisor at Raymond James & Associates with 22 years of industry experience. He holds Series 65 and Series 63 licenses and previously worked for 13 years at Interactive Brokers Corp. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser that manages approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, pension and profit-sharing plans, and municipal entities, offering financial planning and non-discretionary investment consulting supported by a broad network of advisers and affiliated portfolio managers.

Vanessa Jennings is a CFP® professional with 31 years of industry experience, currently serving as a financial advisor at Raymond James & Associates since 2016. She holds the Series 63 and Series 66 licenses and is based in San Rafael, CA. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and municipal advisory services.

Matthew Ricketts is a financial advisor at Morgan Stanley with 28 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2020, following 12 years at UBS Financial Services. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a wide range of advisory programs and structured financial planning, managing approximately $2.74 trillion in client assets.

Leo Boyle is a financial advisor at Osaic with one year of industry experience. He holds a Series 66 designation and has worked at Osaic since 2025. Prior to joining Osaic, he gained experience at Center of Effort and Nugget Markets, as well as academic and other roles. Osaic Wealth serves a diverse range of retail and institutional clients through a multi-advisor platform, offering brokerage and advisory services across various programs including financial planning, managed portfolios, and retirement plan consulting. The firm uses a model-based investment process with tools for asset allocation and portfolio optimization, and is notable for its scale, affiliate network, and recent consolidation activity.

Rosemarie Halajian is a Vice President and Financial Consultant at Fidelity Investments. She joined the firm in 2019 as a Financial Consultant and was promoted to Vice President in 2024. In her role, she works with clients to help them pursue their financial goals. Rosemarie holds a California Insurance License, which supports her work in providing comprehensive financial advice. She has experience in financial consulting developed over several years at Fidelity Investments. Outside of her professional work, Rosemarie has interests in art, comedy, hiking, softball, theater, and writing.

Timothy Warren is a financial advisor at Raymond James Financial with 18 years of industry experience. He holds a Series 66 designation and previously worked at Cetera and Umpqua Bank among other firms. Outside of his advisory work, he is involved in a small-scale rental real estate activity. 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, and institutions. The firm offers tailored, non-discretionary advice supported by analytical modeling and maintains specialized services such as municipal advisory and SIMPLE IRA Employer Advisory programs.

Timothy Russell is a financial advisor with LPL Financial who holds a Series 66 designation and has 40 years of industry experience. He has been with LPL Financial since 2002. Outside of his advisory work, he is involved in selling non-variable insurance products, including life, disability, and long-term care insurance, through his business Valley Oak Wealth Management. 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 provides comprehensive financial planning and investment management services through a large network of advisors, offering a variety of model portfolios and third-party asset management options.

Kevin Mazariegos Tecun is a financial advisor with Fidelity, holding Series 63 and Series 66 licenses and seven years of industry experience. He has worked at Fidelity Brokerage Services and Fidelity Investments since 2018 and 2025, respectively, with prior experience at PricewaterhouseCoopers and the Marin YMCA. Outside of his advisory role, he is an owner involved in real estate investing through two separate entities. He is part of Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm employs a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage a diverse range of investment products, including multi-manager and fund-of-funds structures.

Johnathan Fitzgibbons is a financial advisor at Robert Baird & Co. with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Robert Baird & Co. since 2011. He is part of the DDK Group within Robert W. Baird & Co.’s Private Wealth Management practice, which serves individuals, families, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients. The group offers tailored consulting and portfolio services, including discretionary and non-discretionary management, separately managed account programs, and a range of traditional and non-traditional investment strategies.

Thupten Namgyal is a financial advisor at OSAIC with 17 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked for Woodbury Financial Services, Inc. for 10 years. Namgyal is based in Novato, California. OSAIC serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform. The firm offers a range of brokerage and advisory services with an emphasis on model-based asset allocation, portfolio optimization, and a variety of managed account programs.

John Upcher is a financial advisor at Fidelity with one year of industry experience. He holds the Series 66 designation and has prior work experience at Lucid Motors and Cartelligent. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, as well as registered investment companies and an IRS-qualified Charitable Gift Fund. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios that may delegate management to affiliated or unaffiliated sub-advisers while maintaining oversight controls.

Chadwick Clarke is a financial advisor at OSAIC with eight years of industry experience and holds a Series 66 designation. He previously worked at Woodbury Financial Services, Alvarado Financial Services, and Larkspur Financial Advisors. Outside of his advisory role, Clarke is President and CEO of Clarke Financial Consulting, a company focused on corporate group benefits including health, life, and disability policies. OSAIC Wealth serves a diverse client base including retail investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform offering brokerage and advisory services. The firm’s investment approach centers on model-based asset allocation and portfolio optimization, supported by various tools and discretionary management options.

Jennifer Johnston is a financial advisor with Charles Schwab, holding Series 63, 65, and 66 licenses and bringing 32 years of industry experience. Her prior experience includes roles at TD Ameritrade, Valic Financial Advisors, Mcclurg Capital Corporation, and Banc of America Investment Services. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm provides a combination of non-discretionary and discretionary investment options, supported by centralized custody, transaction, and advisory resources.

Steven Soja is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. His career includes roles at Credit Suisse Securities, First Republic Investment Management, and JPMorgan Chase Bank. He serves as Board Member and Chair of the Investment Committee for Family House Inc., a nonprofit providing housing for patients at UCSF Children's Hospital. J.P. Morgan Securities offers institutional consulting services to plan sponsors, corporations, and endowments, providing non-discretionary, written asset allocation advice, investment manager searches, and customized performance reporting supported by centralized due diligence and a manager solutions team.

Glenn Smith is a financial advisor with Charles Schwab, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He has been with Charles Schwab since 2007 and worked at Charles Schwab Investment Advisory, Inc. from 2020 to 2021. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment options, supported by multi-asset model portfolios and a centralized operational structure.

Michael Dolan is a financial advisor with Charles Schwab, holding Series 63 and Series 65 credentials and over 26 years of industry experience. He has worked at Lloyds of London and John Hancock as a principal since 2015 and has been affiliated with Charles Schwab & Co., Inc. since 2012. Dolan receives residuals from insurance policies sold prior to his time at Schwab. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated financial planning services, offering a combination of non-discretionary and discretionary investment solutions supported by comprehensive research and integrated operational infrastructure.

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.