Brian Gazzano is a financial advisor with LPL Enterprise, holding Series 65 and Series 63 licenses and over 22 years of industry experience. He previously worked at Pruco Securities, LLC for 20 years and has been affiliated with Krystofiak & Associates, Insurance & Financial Services, LLC for more than two decades. Outside his advisory role, he is involved in several insurance-related business activities, including ownership of an LLC focused on life insurance funding for business buy-sell agreements. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and corporate and charitable entities through a network of investment adviser representatives. The firm employs a model-driven investment approach using portfolios developed internally and by third-party strategists, and it offers a range of financial planning, consulting, and insurance-related services.

Sharron Scoggins is a Series 66-credentialed financial advisor with 32 years of industry experience. She has been with Morgan Stanley since 2016 and previously worked at J.P. Morgan Securities, Merrill, LPL Financial, and Cetera Investment Services. Morgan Stanley Wealth Management serves individuals and institutional clients with a range of advisory programs, offering tailored financial planning and managing approximately $2.74 trillion in client assets. Their planning process involves structured discovery and firm-approved tools without providing individual security recommendations in standalone plans.

Traci Bilas is a financial advisor at Morgan Stanley with 18 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009 and holds Series 63 and Series 66 licenses. 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 supported by firm-approved tools and a structured discovery process.

Sean Connolly is a financial advisor with J.P. Morgan Securities, holding Series 65 and Series 63 licenses and six years of industry experience. Prior to joining J.P. Morgan Securities, he worked at JPMorgan Chase Bank, N.A., and spent nine years at House of Prime Rib (Betz & Sons). J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. Their advisory process combines quantitative and qualitative research to build model asset allocations, supporting clients who retain final decision-making authority.

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.

Ann Chen is a financial advisor at J.P. Morgan Securities in Oakland, CA, with seven years of industry experience. She holds Series 63 and Series 66 registrations and has worked at several firms including JPMorgan Chase Bank, Charles Schwab, Fremont Bank, New York Life Insurance, and Massachusetts Mutual Life Insurance. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process is supported by centralized due diligence combining quantitative and qualitative research, and includes broader capabilities in derivatives and commodities.

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.

David Traverso is a financial advisor with Morgan Stanley in Oakland, CA, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has been with Morgan Stanley since 2009 and has worked at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs, including tailored financial planning and estate planning strategies, 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.

Nicholas Franklin is a financial advisor at Fidelity with a Series 66 designation and less than one year of industry experience. Prior to joining Fidelity, he held various roles in the food service and education sectors. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a process that combines proprietary fundamental research with quantitative analysis and algorithmic portfolio construction across mutual funds, ETFs, and ETPs. The firm also serves as an advisor to multiple registered investment companies and utilizes AI-driven research methods.

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.

Xiaozhou Zheng is a financial advisor at LPL Enterprise with seven years of industry experience. He holds the Series 63 and Series 65 designations and has previously worked at The Prudential Insurance Company of America, Pruco Securities, LLC, and Farmers Financial Solutions. Zheng has also held roles outside the traditional advisory space, including with Vorwerk LLC and as a freelancer. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm’s investment approach is model-driven, utilizing portfolios developed by internal and third-party strategists, and offers services such as financial planning, access to third-party asset managers, and participation in wrap programs.

Crystal Dykstra is a CFP® with 19 years of industry experience, currently serving at Charles Schwab & Co., Inc. She has prior experience at Fidelity Investments and Charles Schwab Bank. 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 alternative investment research.