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.

Brian Gazzano is a financial advisor with LPL Enterprise, holding Series 65 and Series 63 designations and bringing 22 years of industry experience. He previously worked at Pruco Securities, LLC for 20 years and has been involved with Krystofiak & Associates, Insurance & Financial Services, LLC since 2003. Outside of his advisory role, he is a business owner of Practice Transfer LLC, which owns life insurance policies used to fund buy-sell agreements. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm combines advisory and brokerage services, offering financial planning, access to model portfolio programs, third-party asset management, and a variety of brokerage and insurance products through an integrated platform.

Sharron Scoggins is a financial advisor with Morgan Stanley in Oakland, CA, holding a Series 66 designation and 31 years of industry experience. She joined Morgan Stanley in 2016 after a one-year tenure at JP Morgan Securities, LLC. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured, technology-supported planning process that integrates scenarios and market estimates.

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 at J.P. Morgan Securities with six years of industry experience. He holds Series 65 and Series 63 licenses. Prior to his current role, Connolly worked at JPMorgan Chase Bank, N.A., and earlier spent nine years at House of Prime Rib (Betz & Sons). J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework to guide recommendations.

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.

Luke Parness is a Series 66-licensed financial advisor with Equitable Advisors in San Francisco, CA. His work history includes roles at E-WS.AI, CalX Institute, and Srubs Cafe, among others. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and asset-management programs. The firm utilizes a network of Investment Adviser Representatives and third-party program sponsors to offer diverse investment solutions.

Dillon Horner is a financial advisor at Equitable Advisors with one year of industry experience. He holds the Series 66 designation and previously worked at the University of Oregon Student Rec Center and Spangler's Market. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients by providing financial planning, retirement plan consulting, and a variety of asset-management programs. The firm delivers services through a network of Investment Adviser Representatives and relies on third-party program sponsors and advisory platforms for most model delivery and wrap-style solutions.

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.

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.

Julian Beal is a financial advisor at Equitable Advisors in San Francisco, CA, holding a Series 66 designation with nine years of industry experience. He has been with Equitable Advisors since 2018 and previously worked at Axa-Advisors, Llc, Waddell & Reed Inc, and various insurance carriers. Outside of financial advising, he has been involved with Anthem Blue-Cross through previous business activities. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and various asset-management programs through a broad network of Investment Adviser Representatives, employing a range of third-party advisory models and fiduciary services.

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.