Thomas Nowrouzi is a Financial Consultant currently working at Fidelity Investments. In this role, he focuses on understanding clients' goals to help build a clear path toward financial security. He has experience in various financial roles, including serving as an Investment Consultant at Fidelity Investments from 2020 to 2023 and as a Financial Advisor at Edward Jones from 2018 to 2020. His areas of expertise include planning for retirement, investment strategies, and navigating complex financial decisions. Thomas holds a California Insurance License. Outside of his professional work, he has interests in cooking and baking, fitness, food, outdoor adventures, snowboarding, and traveling.

Riley Gabriel Lee is a Senior Financial Advisor at Merrill Lynch Wealth Management. He specializes in developing and implementing long-term investing plans tailored to the specific goals of his clients. His work focuses on delivering practical and personalized advice through a goals-based approach, leveraging the resources available at Merrill to help families and businesses achieve financial confidence. Riley and his team assist clients in areas including education planning, legacy planning, managing new wealth, personal retirement planning, portfolio management services, and retirement income. He emphasizes a deep understanding of each client's goals, priorities, and approach to work and life to provide guidance that aims to bring clients closer to their financial milestones. Riley holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. He earned both his Bachelor's and Master's degrees from Northern Arizona University and is a member of the Northern Arizona University Alumni Association. Outside of his professional commitments, Riley enjoys hiking, music, running, swimming, and tennis, and values spending time with his family.

William Robinson is a financial advisor with Morgan Stanley in San Rafael, CA, holding a Series 66 license and 12 years of industry experience. Prior to joining Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC in 2023, he worked at Bank of America and Merrill from 2013 to 2023. Outside of advising, he is involved in property management as a partner in real estate ventures. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individual and institutional clients. The firm emphasizes a structured financial planning process supported by firm-approved tools and serves clients through both direct and employer-sponsored arrangements.

Maria Potter is a financial advisor with Charles Schwab in Corte Madera, CA, holding Series 63 and Series 66 designations and 15 years of industry experience. She has been with Charles Schwab and Charles Schwab Bank since 2014. Charles Schwab & Co., Inc. serves a large client base of 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 advice and access to discretionary separately managed accounts, with an emphasis on multi-asset model portfolios and centralized operational support.

Jackson Roberts is a financial advisor at J.P. Morgan Securities with one year of industry experience. He holds a Series 66 designation and has prior experience at Equitable Financial Life Insurance and Equitable Advisors, LLC. Outside of his advisory role, he is involved with JDR Group Holdings, LLC, a family-owned holding company. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, focusing on asset allocation, manager selection, and customized performance reporting through a non-discretionary process that incorporates quantitative modeling and ESG considerations.

Besart Morina is a financial advisor with LPL Financial, holding a Series 66 designation and bringing 20 years of industry experience. He previously worked at Unionbanc Investment Services for six years before joining LPL Financial in 2020. 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 advisory programs, financial planning, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Nicholas Spangler is a Financial Consultant at Fidelity Investments, a position he has held since 2021. In this role, he partners with clients to develop personalized financial plans that reflect their unique values and vision for the future. He focuses on understanding clients' lifestyle and retirement goals to create strategies tailored to their individual priorities. Prior to joining Fidelity Investments, Nicholas worked as a Financial Planner at Marina Capital from 2018 to 2021 and at Securities America Advisors from 2014 to 2018. He began his career as a Financial Advisor at MassMutual, where he worked from 2011 to 2014. Nicholas holds a California Insurance License.

Mario Diaz is a financial advisor at Fidelity with one year of industry experience. He holds the Series 66 designation and has previously worked in various roles including at R&R Craftails Inc and Oakland Pro Soccer LLC. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a broad range of clients, combining proprietary fundamental research with quantitative analysis and systematic portfolio construction, including model portfolios delivered to intermediary platforms.

Anthony Martino is a financial advisor at Fidelity with one year of industry experience. He holds a Series 66 designation and has prior experience at MML Investors Services, MassMutual Life Insurance, and Lenox Advisors. In addition to his advisory role, Martino is an insurance broker involved in life, disability, long-term care, fixed annuities, and health insurance sales. He works with Strategic Advisers LLC, a Fidelity Investments company that offers investment management and advisory services to retail and institutional clients. The firm utilizes a systematic investment approach combining fundamental research, quantitative analysis, and algorithmic portfolio construction to manage a range of portfolios, including model portfolios delivered to intermediary platforms.

Colin Wells is a financial advisor at Stifel with 9 years of industry experience. He holds a Series 66 designation and has worked at Stifel Nicolaus & Co Inc since 2017, following prior roles at Bank of America and Merrill. Before entering the financial industry, he worked at Eat24, a Yelp company, for one year. Stifel serves a broad range of clients including individuals, institutions, and municipal entities, offering brokerage and investment advisory services supported by proprietary investment analysis and allocation methodologies developed by its Investment Strategy Group.

Patrick Bell is a financial advisor at Edward Jones with 22 years of industry experience. He has held his current role since 2018 and previously worked at Klarity FX from 2014 to 2018. He holds Series 63 and Series 66 designations and is based in San Rafael, CA. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of investment strategies including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, supported by a large network of advisors and branch offices across the United States.

Hedieh Gharib is a financial advisor with Merrill, holding a Series 66 designation and seven years of industry experience. She has been with Bank of America and Merrill since 2014. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a broad client base that includes individuals, high-net-worth clients, and institutional investors.

Aaron Cooperband is a financial advisor at OSAIC with 24 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Woodbury Financial Services for 14 years before joining OSAIC in 2024. Cooperband serves as a board member of the Hospital de la Familia Foundation, a nonprofit supporting a hospital in Guatemala, providing financial oversight. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension plans, and charitable organizations through a broad network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and advisory services, employing asset-allocation tools and a range of investment products to create customized portfolios on discretionary or non-discretionary bases.

John Reuscher is a financial advisor with OSAIC in Novato, CA, holding the ChFC® designation and Series 66 license, with 46 years of industry experience. His career includes roles at Reuscher Financial Group, Securities America Advisors, and Foothill Securities. Outside of his advisory work, he is involved in acting and producing, and serves as a member of the endowment committee at the Presbyterian Church of Novato as well as Director of Administration for the Rotary Club of Novato. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services with portfolio construction supported by asset-allocation tools, risk assessment, and access to third-party money managers and wrap programs.

Timothy Kwong is a financial advisor at J.P. Morgan Securities with 23 years of industry experience. He holds the Series 63 and Series 66 designations. His prior roles include positions at Bank of America/Merrill Lynch, Citigroup, Wells Fargo Bank NA, and Charles Schwab Bank. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Jon Ardell is a Planning Consultant who focuses on helping clients understand and utilize the tools and resources available to them. His work aims to provide clients with a clearer understanding of the potential outcomes of various financial strategies, enabling greater confidence and commitment to plans tailored to their unique situations. He has professional experience as a Relationship Manager at Fidelity Investments from 2024 to 2025, and as a Financial Representative at Fidelity Investments from 2023 to 2024. Prior to that, he worked as a Broker Service Representative at Nexera Holdings LLC, DBA Newfi Lending, from 2016 to 2022. Jon holds a California Insurance License. Outside of his professional work, Jon enjoys biking, attending concerts, watching movies, and reading.

Edgar De Luna is a financial advisor at LPL Financial with 15 years of industry experience. He holds the Series 63 and Series 66 designations and has worked at notable firms including J.P. Morgan Securities and Wells Fargo Bank. Outside of his advisory role, he is involved in managing an almond orchard in Orland, California. LPL Financial serves a broad range of clients including individuals, retirement plans, banks, and charitable organizations. The firm provides various advisory programs and services, including financial planning and retirement consulting, supported by a national network of investment adviser representatives.

Keith Loegering is a financial advisor with LPL Enterprise in San Rafael, CA, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. His prior roles include positions at City National Bank, RBC Capital Markets, Bank of America, and Merrill. Outside of financial services, he has worked as a contractor driver for Lyft. LPL Enterprise serves a wide range of clients, including individuals, retirement plans, charitable organizations, and institutional clients, offering advisory and brokerage services supported by research, model portfolios, and third-party asset management. The firm’s integrated platform combines adviser programs with active sales of financial products and participates in collateralized lending programs.

Paul Bailin is a Financial Consultant at Fidelity Investments. In this role, he partners with clients to develop and implement financial plans tailored to their unique goals, leveraging Fidelity's resources to evaluate investment risks and tax-efficient investing considerations. Paul has extensive experience in financial services, having held multiple positions at TIAA from 2010 to 2023, including Senior Director of Institutional Lifetime Income Distribution and Director of TIAA Global Asset Management. Prior to that, he worked as a Financial Advisor at Merrill Lynch Bank of America and UBS Financial Services. He holds a California Insurance License. Outside of work, Paul enjoys concerts, music, scuba diving, swimming, tennis, and traveling.

Adrian Kula is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds a Series 66 credential and has worked at J.P. Morgan Securities, JPMorgan Chase Bank, N.A., AXA Advisors, LLC, and Equitable Advisors. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and incorporates an ESG eligibility framework when recommending investment strategies.