Terri Brown is a financial advisor at RBC Capital Markets with 32 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at firms including Merrill, Bank of America, and City National Bank. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base ranging from individual investors to institutional clients and charitable organizations. The firm offers various advisory programs that provide portfolio management, financial planning, custody, and brokerage services tailored to each client’s risk profile.

Kyle Patrick is a financial advisor with UBS Financial Services, holding a Series 66 designation and nine years of industry experience. He has worked at UBS since 2019 and previously held roles at Bank of America and Merrill. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management, providing a broad range of capital markets services and proprietary research.

Louis Wellmeier is a financial advisor with Edward Jones in Sausalito, CA, holding Series 65 and Series 66 designations and five years of industry experience. His prior roles include positions at Vida Private Wealth LLC, Golden Gate University, Wilusz And Associates, and Inspired Legacies. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including pension plans and charitable organizations. The firm offers a range of advisory strategies and operates an extensive network of advisors and branch offices, managing approximately $1.01 trillion in assets under management.

Laurie Dederian is a financial advisor at Charles Schwab with 17 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Charles Schwab and Charles Schwab Bank since 2008. Charles Schwab & Co., Inc. serves a large client base, 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, written advice policies, and centralized operational infrastructure.

Mark Berkman is a financial advisor at OSAIC with 10 years of industry experience. He holds Series 65 and Series 63 licenses and has previously worked at Lincoln Financial Advisors. In addition to his advisory role, he is a general partner providing CPA professional services through his own firm, Mark G. Berkman CPA, which he has operated since 1990. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, financial planning, retirement plan consulting, and access to third-party money managers and managed-account solutions.

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 with Raymond James & Associates, holding Series 65 and Series 63 licenses and bringing 22 years of industry experience. He previously worked for Interactive Brokers Corp for 13 years before joining Raymond James. Raymond James & Associates, Inc. is a large, dually registered broker-dealer and SEC-registered investment adviser with approximately $501 billion in assets under management. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning, investment consulting, and institutional fiduciary services through a range of portfolio management styles and affiliated research.

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 prior roles including positions at Nugget Markets and Center of Effort. Osaic Wealth, Inc. serves a broad mix of retail and institutional clients through a large network of affiliated advisors and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services and employs various tools, including asset-allocation models and automated rebalancing, to construct diversified portfolios.

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 in Novato, CA, holding a Series 66 designation and 40 years of industry experience. He has been with LPL Financial since 2002. Outside of his advisory role, he is involved in independent non-variable insurance sales related to long-term care, disability, and fixed annuities. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a large network of investment adviser representatives. The firm offers various advisory and retirement plan services, including discretionary and non-discretionary management, model portfolios, and research from multiple sources.

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 with OSAIC in Novato, CA, holding Series 63 and Series 66 designations and 17 years of industry experience. He spent 10 years at Woodbury Financial Services, Inc. before joining OSAIC in 2024. 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 advisory and brokerage services, utilizing asset-allocation tools and access to third-party money managers to construct portfolios across a variety of asset classes.

John Upcher is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. Prior to joining Fidelity Investments, he worked at Lucid Motors and Cartelligent. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including oversight of 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 develop model portfolios across a broad range of investment vehicles.

Chadwick Clarke is a financial advisor at OSAIC with eight years of industry experience. He holds a Series 66 designation and has previously worked at Woodbury Financial Services Inc., Alvarado Financial Services, and Larkspur Financial Advisors. Additionally, he serves as President and CEO of Clarke Financial Consulting, which provides corporate group benefits including health, life, and disability policies. OSAIC serves a broad mix of retail and institutional clients through a large network of financial advisers and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, financial planning, and unified managed accounts, using a variety of asset-allocation tools and third-party solutions to construct diversified portfolios.

Jennifer Johnston is a financial advisor with Charles Schwab, holding Series 63, 65, and 66 licenses and bringing 31 years of industry experience. Her previous roles include positions at TD Ameritrade, Valic Financial Advisors, and Mcclurg Capital Corporation. 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 both non-discretionary and discretionary investment guidance, leveraging multi-asset model portfolios, alternative investment due diligence, and a distinctive integrated structure combining advisory, brokerage, custody, and cash-sweep services.