Lawrence Kolka is a CFP®-credentialed financial advisor with Edward Jones, based in Walnut Creek, CA, and has 23 years of industry experience. He has been with Edward Jones since 2003. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory strategies and affiliated investment products supported by a large nationwide network of financial advisors and branch offices.

Logan Byron is a financial advisor with Charles Schwab in Walnut Creek, CA, holding a Series 66 designation and beginning his advisory career in 2025. His prior experience includes roles at Morgan Stanley and various education and entrepreneurial ventures. Outside of finance, he has been involved with Artificial Mind, Inc. (dba Socratics.ai) and the Herbst Academic Center. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, combining non-discretionary advisory services with access to affiliated discretionary separately managed accounts and alternative investments. The firm’s scale and integrated structure support centralized custody, supervisory services, and a blend of advisory models.

Banani Satpathy is a financial advisor at J.P. Morgan Securities with seven years of industry experience. She holds Series 63 and Series 66 credentials and has been with J.P. Morgan Securities since 2018, also working at JPMorgan Chase Bank since 2016. J.P. Morgan Securities 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 its recommendations.

Gary Mills is a CFP® with 37 years of industry experience, currently serving as a financial advisor at Wells Fargo Clearing since 2016. Prior to this, he worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. 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.

Roberto Santos is a financial advisor at Fidelity with 25 years of industry experience. He holds a Series 66 designation and has worked in various roles within Fidelity, including Fidelity Brokerage Services LLC since 2000 and Fidelity Personal and Workplace Advisors since 2018. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, using a process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm engages in discretionary and non-discretionary advisory work, manages fund-of-funds structures, and employs systematic methodologies with oversight controls to address conflicts of interest.

William Harvey is a CFP® with 19 years of industry experience, currently serving as a financial advisor at LPL Financial since 2021. Prior to this, he worked at Lincoln Financial Advisors from 2013 to 2021. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad range of clients including individuals, retirement plans, financial institutions, and corporations. The firm offers various advisory programs, financial planning, and brokerage services supported by research and model portfolios.

Mariah Delgadillo is a financial advisor at J.P. Morgan Securities with six years of industry experience. She holds Series 63 and Series 65 credentials and has worked at multiple JPMorgan entities as well as First Republic Bank and Lending Club. 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 applying an ESG eligibility framework in its recommendations.

Kwanza Harris is a Series 66 licensed financial advisor at Morgan Stanley with six years of industry experience. Prior to joining Morgan Stanley in 2022, Harris held positions at Bank of America, Merrill, Uber, FedEx Express, Lyft, Starbucks, and the Department of the Treasury, IRS. 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 to model financial outcomes.

Gursharanpal Banga is a financial advisor at Merrill with Series 63 and Series 66 designations and three years of industry experience. His prior work includes roles at Bank of America and JPMorgan Chase Bank, as well as a period working outside the financial sector at Angelos Pizza And Wings. 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 a diverse range of clients including individuals, high-net-worth clients, and organizations.

Gail Coleman is a financial advisor with Wells Fargo Clearing, holding Series 66 and Series 63 licenses and having 10 years of industry experience. She has worked at Wells Fargo Clearing since 2017 and previously was employed by the San Ramon Valley Unified School District for two years. 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, offering both brokerage and advisory solutions and utilizing research from Wells Fargo Investment Institute along with third-party data to guide investment decisions.

Michael Newark is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 18 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory work, he serves as a notary public and participates as a food taster for National Food Lab. 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.

Keith Seibert is a financial advisor with UBS Financial Services in Walnut Creek, CA, holding Series 63 and Series 65 designations and bringing 41 years of industry experience. He has been with UBS since 2009. Outside of his advisory role, he is involved in the wine industry through TwiningVine LLC, where he grows grapes, produces wine, and maintains a vineyard. UBS Financial Services serves individual, corporate, and institutional clients by offering brokerage and investment advisory services, including financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management and utilizes proprietary research and model-based strategies to tailor client plans.

Joel Faber is a financial advisor with Cetera, holding a Series 66 designation and 23 years of industry experience. Prior to joining Cetera in 2019, he worked at Summit Financial Group and Summit Brokerage Services for over 16 years. Outside of his advisory work, he is active in his community as the treasurer of Contra Costa Christian Schools and a youth soccer coach. Cetera Investment Advisers LLC serves a wide range of clients including individuals, retirement plans, corporate and charitable clients, and institutions. The firm offers diverse portfolio management and financial planning services through a multi-manager platform with both discretionary and non-discretionary options.

Matthew Lyon is an Investment Consultant currently working at Fidelity Investments since 2024. He focuses on simplifying the investment process and helping clients manage the complexities and emotional challenges associated with investing. Matthew emphasizes the importance of having a financial advisor to maintain focus and adapt to life's changes. He holds a California Insurance License, which supports his role in providing comprehensive financial advice. His approach is informed by personal experiences, motivating him to assist others in achieving their financial goals. Outside of his professional responsibilities, Matthew has interests that include baseball, golf, snowboarding, movies, traveling, and exploring various cuisines.

Stephen Platter is a financial advisor at Morgan Stanley with 33 years of industry experience. He holds Series 63 and Series 65 designations and has been with Morgan Stanley and its Private Bank since 2011. Outside of his advisory work, he is involved with LiftAFinger.org, a nonprofit organization based in Danville, California. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and financial planning services supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides investment and planning solutions through its network of Financial Advisors and specialized groups.

Craig Zaron is a financial advisor with UBS Financial Services in Walnut Creek, CA, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He has been with UBS Financial Services Inc. since 2010. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances.

Christina Lira is a financial advisor at Raymond James & Associates with six years of industry experience. She holds a Series 66 license and has worked at Raymond James & Associates since 2016, with a brief tenure at Citibank in 2021. 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 high-net-worth individuals, institutions, and municipal entities, providing financial planning and non-discretionary investment consulting through various advisory programs.

Jalaleddin Afifi is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and nine years of industry experience. His prior roles include positions at Citigroup and Morgan Stanley, as well as consulting in the oil and gas sector. He is also involved with Wells Fargo Catering Services, LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s approach is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Maria Bymakos is a financial advisor with LPL Enterprise and holds Series 63 and Series 65 licenses. She has 12 years of industry experience, including prior roles at Prudential Insurance Company of America and Pruco Securities, LLC. LPL Enterprise serves a diverse client base, including individuals, retirement plans, charitable organizations, and institutional clients, offering financial planning, advisory services, and access to brokerage and insurance products through an integrated platform.

Jacob Zoller is a financial advisor with Charles Schwab in Walnut Creek, CA, holding a Series 66 designation and three years of industry experience. Prior to his current roles at Charles Schwab & Co., Inc. and Charles Schwab Bank SSB, he worked various jobs including positions at Ivar's Salmon House and periods of full-time education. Charles Schwab & Co., Inc. serves a large client base, 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 mix of non-discretionary and discretionary investment solutions using multi-asset model portfolios, with integrated brokerage, custody, and advisory services.