Jeffrey Gale is a financial advisor at Morgan Stanley in Walnut Creek, CA, holding Series 63 and Series 65 licenses with 28 years of industry experience. He has worked with Morgan Stanley and its Private Bank division since 2009. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs and tailored financial planning supported by firm-approved tools and analyses. The firm manages approximately $2.74 trillion in client assets and offers services through direct client relationships and Corporate Financial Planning agreements.

Hector Medina is a financial advisor at Merrill with a Series 66 credential and two years of industry experience. He has worked at Merrill since 2019 and is currently associated with Bank of America, N.A. Outside of his advisory role, he owns and operates a tattoo business and works as a delivery driver for Amazon Flex. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

Jason Pera is a CFP® with 23 years of industry experience, currently serving at OSAIC since 2024. He previously worked at Woodbury Financial Services, Inc. for 17 years and at Equitable Advisors for one year. Pera is a board member of the St. Isidore School Foundation, where he helps organize fundraising events and participates on the investment sub-committee. OSAIC Wealth serves a diverse client base including retail investors, retirement plan sponsors, charities, and corporations, offering both brokerage and advisory services through a multi-advisor platform. The firm employs a model-based investment process emphasizing asset allocation, portfolio optimization, and risk management, with a platform notable for its scale, affiliate network, and range of program offerings.

Raymond Noyce is a financial advisor at RBC Capital Markets with 21 years of industry experience. He holds a Series 66 designation and has been with RBC Capital Markets since 2008. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm offers multiple advisory programs that provide discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services tailored to each client’s Advisory Risk Profile.

Gillian Lim is a financial advisor with Primerica Advisors in Brentwood, CA, holding Series 63 and Series 65 licenses and eight years of industry experience. Her work history includes roles at the Internal Revenue Service, PFS Investments Inc., and Primerica Financial Services since 2017, as well as prior experience at Knowledge Lake. Outside of advisory services, she is involved part-time with ASEA, a wellness company offering dietary supplements. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and limited separately managed account options. The firm uses a tiered wrap-fee structure and curates third-party asset managers, delegating trading responsibilities to BNY Mellon Advisors.

Mohammad Qureshi is a financial advisor at Wells Fargo Clearing with 29 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at several firms including Charles Schwab, TD Ameritrade, and Global Philanthropy Advisors. Outside of his advisory role, he owns and operates a used car wholesale business. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions.

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 7 years of industry experience. She holds the Series 66 and Series 63 credentials and has been with J.P. Morgan Securities since 2018, following prior work at JPMorgan Chase Bank, N.A. since 2016. 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 searches, and customized performance reporting through a non-discretionary program. Their advisory process combines quantitative screening and qualitative research, utilizing forward-looking capital market assumptions to develop model asset allocations.

Gary Mills is a CFP®-certified financial advisor with 38 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously spent a decade at UBS Financial Services. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, retirement plan consulting, and brokerage solutions. The firm manages approximately $671 billion in assets and uses research from Wells Fargo Investment Institute alongside third-party analytics to guide portfolio construction.

William Harvey is a CFP® with 20 years of industry experience, currently affiliated with LPL Financial in Walnut Creek, CA. His prior roles include positions at Lincoln Financial Advisors, Charles Schwab, Wells Fargo Investments, and Morgan Stanley DW Inc. Harvey operates Harmonic Wealth Management alongside his work with LPL Financial. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides a range of financial planning and investment management services utilizing various model portfolios and third-party subadvisors, supported by advanced operational tools.

Mariah Delgadillo is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 credentials and six years of industry experience. Her work history includes roles at J.P. Morgan Securities, JPMorgan Chase Bank, N.A., First Republic Bank, and Lending Club. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process integrates centralized due diligence with quantitative and qualitative research to build model asset allocations, incorporating an ESG eligibility framework where applicable.

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 licenses and three years of industry experience. His prior work includes roles at Bank of America and JPMorgan Chase Bank, as well as non-financial experience working 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 individuals, high-net-worth clients, and institutional investors.

Gail Coleman is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. She has been with Wells Fargo Clearing since 2017 and previously worked for 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 and offers both brokerage and advisory solutions supported by research from the Wells Fargo Investment Institute and third-party sources.

Cathy Mu is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 credentials and possessing 26 years of industry experience. She has been with Mass Mutual Life Insurance and MML Investors Services since 2002 and has operated a CPA tax preparation business since 1998. Outside of her financial advisory work, she serves as the board member and executive director of The Thriving Foundation, an educational public charity focused on health and well-being. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning and offers asset management, wrap and money-manager programs, and educational seminars.

Michael Newark is a Series 66-registered financial advisor with Wells Fargo Clearing in Walnut Creek, CA, where he has worked since 2016. He has 18 years of industry experience and has operated a notary public business since 2003. Outside of finance, he participates as a food taster for National Food Lab. 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.

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.