Nicole Tom is a financial advisor with Morgan Stanley in Walnut Creek, CA, holding a Series 66 designation and nine years of industry experience. She has been with Morgan Stanley since 2015. 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 strategies. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques to support its advisory services.

Jacquelyn Mulford is a financial advisor at Merrill with 18 years of industry experience and holds a Series 66 designation. She has been with Merrill since 2007 and concurrently associated with Bank of America, N.A. since 2017. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering a range of model-based and discretionary investment strategies. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with trading, account administration, and custody support.

Brendan Hawes is a financial advisor at OSAIC in Walnut Creek, CA, holding Series 63 and Series 65 credentials. He has recently begun his career in the industry in 2026. His prior experience includes roles at Delicato Family Wines and The Odom Corporation. OSAIC serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients, offering brokerage and advisory services through a multi-advisor platform. The firm’s investment approach centers on model-based asset allocation and portfolio optimization, utilizing discretionary strategies and third-party managers across a range of accounts and programs.

Joel Drescher is a financial advisor at J.P. Morgan Securities with six years of industry experience. He holds Series 63 and Series 66 designations and has prior experience at Citi Private Bank, Merrill, Millennium Partners, and Drescher Capital. Outside of his advisory role, he is a lecturer at UC Berkeley Haas Business School and co-coaches a youth soccer team in the East Bay area. J.P. Morgan Securities offers institutional consulting services to plan sponsors, corporations, and endowments through a select group of wealth advisors, providing non-discretionary, written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research supported by centralized due diligence and incorporates ESG considerations where applicable.

Michael Baird is a financial advisor with OSAIC in Walnut Creek, CA, holding a Series 66 designation and 14 years of industry experience. His prior roles include positions at Bayshore Tax and Consulting, Tony H. Tarabay, CPA, and Securities America. Outside of his advisory work, he operates a sole proprietorship offering life insurance and long-term care policy consulting and sales. OSAIC Wealth serves a diverse range of retail and institutional clients, providing both brokerage and advisory services through a multi-advisor platform. The firm’s investment approach utilizes model-based asset allocation and portfolio optimization, supported by various management strategies and third-party manager options.

David Lawrence II is a financial advisor at Morgan Stanley with 22 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and holds the Series 63 and Series 65 designations. Morgan Stanley Wealth Management serves both individual and institutional clients by offering a range of advisory programs, including tailored financial planning supported by structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and provides services that combine broad retail and institutional offerings.

Mary Hanson is a financial advisor with Cambridge Investment Research Advisors in Concord, CA, holding Series 63 and Series 65 designations and bringing 22 years of industry experience. She has worked at Cambridge Investment Research Advisors since 2012, following positions at VOYA Financial Advisors and MSI Financial Services. Hanson is a board member of the Professional Women's Referral Group and serves as a networking leader for the San Ramon Chamber of Commerce. Cambridge Investment Research Advisors serves individual and institutional clients, including pension and charitable organizations, by providing financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm manages a multi-billion dollar asset base and offers various advisory services through proprietary and third-party platforms.

John Keller is a financial advisor with Ameriprise in Walnut Creek, CA, holding a Series 63 designation and 30 years of industry experience. He has worked at Ameriprise and its affiliate since 2005. Keller participates in a member expense sharing arrangement with other Ameriprise advisors to support shared business infrastructure. Ameriprise offers retirement-income planning services targeting individuals with substantial investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored recommendations. The firm delivers a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

David Minor is a financial advisor with Ameriprise in Walnut Creek, CA, holding Series 63 and Series 65 licenses and bringing 21 years of industry experience. He has been with Ameriprise and its related entities since 2010. Minor serves on the board of directors for COTAP, a nonprofit organization. Ameriprise offers retirement-income planning services aimed at individuals approaching or in retirement, with a focus on clients who meet specific asset criteria. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Heidi Crocker is a financial advisor at UBS Financial Services with five years of industry experience. She holds a Series 66 designation and has worked at UBS Financial Services and Morgan Stanley Smith Barney LLC. Prior to her professional financial career, she spent twelve years engaged in homemaking. 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 services and uses proprietary research and model-based asset allocations to tailor client plans.

Virginia Price is a financial advisor at Wells Fargo Clearing with 34 years of industry experience. She holds Series 63 and Series 65 designations and has worked at Wells Fargo Investments and Wells Fargo Clearing since 2001. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Casey Pena is a financial advisor at Cetera with 23 years of industry experience. He has held positions at Cetera since 2019 and previously worked at Foresters Financial Services from 2011 to 2019. He holds Series 63 and Series 66 designations. Cetera Investment Advisers LLC serves individual and institutional clients through a nationwide network of independent advisors. The firm offers a variety of portfolio management and retirement services, utilizing a multi-manager platform that includes both affiliated and third-party managers.

Joshua Wulkan is a financial advisor at Edward Jones with 7 years of industry experience. He holds a Series 66 designation and has been with Edward Jones since 2019. Prior to joining Edward Jones, he worked at Greg Morris Cards, Inc. and spent 15 years at Huggins and Scott Auctions. Edward Jones is a wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

Sally Louie is a financial advisor with LPL Financial in Vallejo, CA, holding Series 63 and Series 65 licenses and having 28 years of industry experience. She has worked with LPL Financial since 2007 and had prior roles at The Golden 1 Credit Union and U.S. Bancorp Investments. Louie serves as a board member and foster mom for the Contra Costa SPCA. 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 range of advisory and brokerage services, including financial planning, model portfolios, and institutional platforms, utilizing various investment strategies and support tools.

Kevin Dommes is a financial advisor with UBS Financial Services in Walnut Creek, CA, holding a Series 66 designation and 12 years of industry experience. He has been with UBS Financial Services and UBS Bank USA since 2016. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, leveraging proprietary research and a broad range of capital markets and banking products.

Zachary Unger is a financial advisor with Merrill in Walnut Creek, CA, holding a Series 66 designation and six years of industry experience. Prior to his current role at Merrill and Bank of America, he worked at Pacific Premier Bank and has held positions at California Polytechnic University San Luis Obispo and related entities. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

James Hinckley is a financial advisor at UBS Financial Services with 29 years of industry experience. He has been with UBS since 2013 and previously worked at Deutsche Bank Securities for six years. He holds Series 63 and Series 65 licenses. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor strategies to client goals.

Fabiana Filips is a Financial Advisor with Merrill Lynch Wealth Management, bringing nearly 20 years of experience in delivering financial planning services tailored to individual and household needs. She focuses on helping clients achieve their financial goals by developing customized investment management strategies that reflect their unique objectives and values. Fabiana’s expertise includes college education planning, family wealth management, legacy planning, retirement income, tax minimization, and socially responsible investing, among other areas. Her foundational approach centers on transparency, trust, and a commitment to clients’ financial well-being. Fabiana utilizes Merrill’s research and resources alongside her industry knowledge to empower individuals and families to take charge of their financial futures. She holds the Personal Investment Advisor (PIA) designation and received her Bachelor's degree from Lehman College, having previously attended Brooklyn College. Fabiana is fluent in English and Spanish. Outside of her professional role, Fabiana enjoys adventure sports, baseball, basketball, biking, dancing, music, traveling, watching movies, and spending time with her family. She values building long-lasting client relationships and supporting community involvement.

Sean Parks is a financial advisor with Morgan Stanley in Orinda, CA, holding a Series 66 designation and 21 years of industry experience. He has been with Morgan Stanley and its 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 range of advisory programs, including tailored financial planning supported by structured discovery processes and sophisticated modeling tools.

Brian Wibert is a financial advisor at J.P. Morgan Securities with two years of industry experience. He holds the Series 66 designation and has previously worked at Wells Fargo Advisors and JPMorgan Chase Bank, N.A. Prior to his financial services career, he was employed at Costco. 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, with clients retaining final decision-making authority.