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.

Ryan Overton is a financial advisor at Charles Schwab with 11 years of industry experience. His prior roles include positions at Wells Fargo Clearing, TIAA-CREF, Morgan Stanley, Harris Direct, E*TRADE Capital Management, Merrill, Bank of America, and JP Morgan Securities. He has held Series 63 and Series 66 licenses. Charles Schwab & Co., Inc. serves a large client base primarily consisting of 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 combination of non-discretionary investment guidance and access to discretionary separately managed accounts, supported by an integrated operational structure and centralized custody and order-routing services.

Jason Pera is a CFP® with 23 years of industry experience, currently serving as a financial advisor at OSAIC since 2024. Prior to this, he worked at Woodbury Financial Services, Inc for 17 years. He is a board member of the St. Isidore School Foundation, where he helps organize fundraising events and participates in an investment sub-committee overseeing the foundation's Merrill Lynch-managed account. OSAIC serves a diverse client base including individual investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a broad range of integrated brokerage and advisory services, utilizing asset-allocation tools and third-party platforms to manage portfolios across stocks, bonds, mutual funds, ETFs, and alternative investments.

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.

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.

Alfonso Madrigal Pantoja is a financial advisor at Merrill with Series 63 and Series 66 licenses and three years of industry experience. He has previously worked at firms including J.P. Morgan Securities and Wells Fargo Bank. Outside of his advisory role, he works part-time as a Receiving Associate at Home Depot on weekends. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

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.

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.

Anne Nishiura Seto is a financial advisor at Morgan Stanley with 31 years of industry experience. She holds Series 63 and Series 65 designations and has worked at Morgan Stanley since 2009, including a role at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is a registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs and financial planning services. The firm employs a structured planning process supported by firm-approved tools and manages approximately $2.74 trillion in client assets.

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.

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 financial advisor with Wells Fargo Clearing in Walnut Creek, CA, holding a Series 66 designation and 17 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, he serves as a notary public and participates as a food taster for a food marketing company. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a broader range of financial products, such as insurance-related vehicles and bank deposit sweep options.

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.