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 Fay III is a financial advisor at J.P. Morgan Securities with eight years of industry experience. He holds Series 63 and Series 66 designations and has worked at J.P. Morgan Securities LLC and JPMorgan Chase Bank, N.A. since 2018. Prior to his current roles, he was involved with KHORA Community of Athens for one year. J.P. Morgan Securities LLC 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 applies an ESG eligibility framework when recommending investment strategies.

Amber Tamara Nguyen is a Financial Advisor with Merrill Lynch Wealth Management. She joined the Stimpfig Wealth Management Group in 2014 and has over a decade of experience serving clients. Amber helps develop, implement, and track customized wealth management strategies designed to assist clients in pursuing their financial goals while managing investment risk. She works with clients on retirement planning, funding education expenses, and creating legacies for future generations. Amber holds the CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA) and Personal Investment Advisor (PIA) designations. She earned her bachelor's degree from the California State University System.

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.

Jessica Tufte is a financial advisor at Cetera with 14 years of industry experience and holds the Series 66 designation. Her prior roles include positions at Ameriprise Financial Services and Craft and Fire Taproom, as well as a registered administrative assistant role at Rosenblatt Advisors. She is also a commissioned notary public. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform with both discretionary and non-discretionary program options.

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 holding a Series 66 designation and beginning his advisory career in 2026. His prior work experience includes roles at TikTok and several educational institutions. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions through a broad network of investment adviser representatives. The firm offers a range of advisory and brokerage services, including financial planning and access to model portfolios, third-party asset management, and institutional platforms.

Allison Bordeaux is a financial advisor with Morgan Stanley in Pleasanton, CA, holding a Series 66 designation and one year of industry experience. Prior to joining Morgan Stanley, she worked at Northrop Grumman and Meta Platforms, Inc. She also has professional experience at Deloitte. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning and estate planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process that utilizes firm-approved tools and conservative modeling techniques.

Michael Allard is a financial advisor with LPL Financial in Danville, CA, holding Series 63 and 65 licenses and bringing 33 years of industry experience. He has been with LPL Financial and its predecessor entities since 2005 and previously worked at National Planning Corporation from 2002 to 2005. Outside of his advisory role, he is involved with Calbay Investments, Inc., a non-variable insurance business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a broad range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

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.

Christina Guzman is a Series 66-licensed financial advisor with Morgan Stanley in Pleasanton, CA, bringing six years of industry experience. She has worked at Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2019. Outside of her advisory role, Christina is also a private yoga instructor. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and research.

Aracely Flores Chavez is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 designations and bringing nine years of industry experience. She has been with Wells Fargo Clearing Services LLC since 2017 and has been associated with Wells Fargo Bank NA since 2013. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

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.