Luiz Boscardin is a financial advisor at OSAIC with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at OSAIC since 2018, as well as at Signator Investors Inc. since 2008. Outside of his advisory work, he is the CEO and broker of Pacific Financial Partners Insurance Agency, which provides life, disability, health, and property and casualty insurance brokerage services. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services with an investment approach that includes asset-allocation tools, risk-tolerance assessments, and access to multiple third-party managers and platforms.

Scott Esco is a financial advisor at Ameriprise with 29 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory work, he owns and manages Esco and Associates, Inc., a separate business. Ameriprise provides retirement-income planning services primarily for individuals with significant investable assets, delivering customized recommendation reports that incorporate research and modeling to support tax-efficient withdrawal strategies and Social Security claiming decisions. The firm combines personalized advice with algorithmic tools and offers a broad range of advisory, brokerage, and insurance solutions.

Jeannie Chan is a financial advisor at Wells Fargo Clearing with 11 years of industry experience. She has held positions at Wells Fargo Advisors, LLC and Wells Fargo Clearing since 2011. She holds a Series 63 designation and is based in Walnut Creek, CA. 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 utilizes research from Wells Fargo Investment Institute and third-party sources, offering brokerage and advisory solutions through a broad platform.

Yoo Kwon is a financial advisor at Wells Fargo Clearing with nine years of industry experience. He holds the Series 66 and Series 63 designations and has been with Wells Fargo Clearing Services LLC since 2017. Prior to that, he has been associated with Wells Fargo Bank NA since 2012. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Mary Allen is a financial advisor with OSAIC in Walnut Creek, CA, holding the CFP® and Series 63 designations and bringing 40 years of industry experience. She has worked with Royal Alliance Associates, Inc. since 1992. Outside of her advisory role, she serves as Program Chair for Sponsorship at the East Bay Commercial Real Estate Women and is the Successor Trustee for her sister’s trust. OSAIC serves a wide range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and advisory services with a variety of investment platforms and third-party solutions.

Silvia Duda is a financial advisor with UBS Financial Services in Walnut Creek, CA, holding a Series 66 designation and 12 years of industry experience. She has worked at UBS since 2015, including her current role beginning in 2023. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services. The firm combines institutional trading capabilities with wealth management, offering proprietary research, model-based asset allocations, and fiduciary fee-based financial planning.

Steven Peltz is a CFP® with 25 years of industry experience, currently affiliated with Wells Fargo Clearing since 2016. He previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, he coaches youth soccer with the Cayo Mustang Soccer League. 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 provides both brokerage and advisory solutions.

Styles Scroggins is a financial advisor at Fidelity with a Series 66 designation and less than one year of industry experience. Prior to joining Fidelity, Scroggins held roles at Morgan Stanley, Northwestern Mutual, and worked for four years with Rover and the US Marine Corps. Fidelity, through its Strategic Advisers LLC division, offers investment management and advisory services to a diverse client base including retail and institutional investors, employing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios across mutual funds, ETFs, and ETPs.

Theodore Tellefsen is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and having 26 years of industry experience. He has been with J.P. Morgan since 2019, following prior roles at Lincoln Financial Advisors Corporation and Aerotek. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm operates with a non-discretionary approach, combining institutional advisory services with brokerage and investment management capabilities.

Oswaldo Hernandez is a financial advisor with Morgan Stanley in Walnut Creek, CA, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. Prior to joining Morgan Stanley, he worked at E*TRADE Capital Management LLC and E*TRADE Securities LLC for several years, as well as OptionsHouse. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by firm-approved tools and models, with approximately $2.74 trillion in client assets under management.

Philip Curran is a CFP®-certified financial advisor with 34 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors, LLC from 2013 to 2016. Wells Fargo Clearing specializes in retirement plan consulting for qualified ERISA plans and non-qualified deferred compensation plans, providing both discretionary and non-discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and offers a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Roderick Webb is a financial advisor with Morgan Stanley in Walnut Creek, CA, holding Series 63 and Series 65 credentials and 27 years of industry experience. Prior to joining Morgan Stanley Smith Barney LLC in 2023, he worked at E*TRADE Capital Management and E*Trade Securities from 2015 to 2023. Outside of finance, he owns NOLA Music Studios, a recording studio in South San Francisco. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs and tailored financial planning services supported by structured discovery and firm-approved planning tools.

Christina Pacheco is a financial advisor with Cetera, holding a Series 66 designation and bringing 10 years of industry experience. Her career has included various roles within Cetera and related entities since 2015, as well as positions at LPL Financial and AssetMark Financial. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients through a large nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform that includes affiliated and third-party model portfolios and strategies.

Richard Strand is a Wealth Management Advisor at Merrill Lynch Wealth Management. He works with individuals, families, business owners, and foundations, providing customized financial and wealth management strategies. With over 25 years of experience, Richard focuses on helping clients attain their financial goals through personalized planning. His expertise covers all aspects of the wealth management process, including retirement planning, tax minimization, portfolio construction, liability management, and estate and asset preservation. Richard holds an MBA in Finance from St. Mary's College in Moraga and a bachelor's degree in Finance from California State University Chico. He has earned professional designations as a Certified Investment Management Analyst (CIMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Richard resides in Alamo, California, with his wife Erin and their three children. He is actively involved in the community and enjoys biking, golfing, music, and traveling.

Mallory Dinis is a financial advisor at Edelman Financial Engines with 13 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Edelman Financial Engines since 2026, following a decade at Financial Engines Advisors L.L.C. and a year at TMFS Advisors, LLC. Edelman Financial Engines provides technology-enabled investment advisory services focused on workplace retirement accounts, IRAs, taxable accounts, and institutional clients. The firm manages model-based and customized portfolios, offers sub-advisory services, and supports a large participant base through both advisor-led and online platforms.

Raymond Gibson is a Series 65-credentialed financial advisor with 38 years of industry experience. He has been with Equitable Advisors since 1999 and previously worked at Axa Advisors, LLC. Equitable Advisors serves individual investors across various wealth levels, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm operates a hybrid referral and implementation model that combines advisory and brokerage/insurance channels to deliver tailored client solutions.

Denise Erdem is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors, LLC from 2012 to 2016. Outside of her advisory role, she serves as a notary public in Clayton, CA. 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 and grounded in modern portfolio theory, with a broader range of financial products that includes insurance-related vehicles and bank deposit sweep options.

Chris Held is a financial advisor with LPL Financial in Walnut Creek, CA, holding CFP® and Series 66 credentials and bringing 22 years of industry experience. Prior to joining LPL Financial in 2019, he worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney from 2012 to 2019. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, with access to model portfolios, research, and various investment and portfolio management strategies.

Louisa Sakkis is a financial advisor at Stifel with 21 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Stifel Nicolaus since 2011. Stifel serves a diverse client base, including individuals, institutional clients, and charitable organizations, offering both brokerage and investment advisory services. The firm’s investment approach utilizes a proprietary methodology developed by its Investment Strategy Group, focusing on forward-looking capital market assumptions and probabilistic modeling to guide asset allocation and planning.

Simon Knight is a Series 66-registered financial advisor with Edward Jones, based in Alamo, CA, and has one year of industry experience. He worked for Easter Seals Northern California/Catalight for ten years prior to joining Edward Jones. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment strategies supported by a nationwide network of more than 23,700 financial advisors.