Essam Ibrahim is a financial advisor at OSAIC with 29 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Aig Financial Advisors since 2005 before joining OSAIC in 2023. Outside of his advisory role, he owns a mortgage brokerage and operates as a real estate broker and tax preparer. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension plans, and charitable organizations through a large network of advisors and multiple advisory platforms. The firm provides integrated brokerage and investment advisory services, utilizing asset-allocation tools and third-party managers to construct diversified portfolios.

Aaron Sellers is a financial advisor at UBS Financial Services with nine years of industry experience. He holds a Series 66 designation and has been with UBS Financial Services Inc. since 2016. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and leverages proprietary research and model-based asset allocations to tailor client plans.

Nanette Flanagan is a financial advisor with RBC Capital Markets in Walnut Creek, CA, holding Series 63 and Series 65 designations and bringing 21 years of industry experience. She has been with RBC Capital Markets Corporation since 2008. RBC Wealth Management serves a diverse client base including individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm offers various advisory programs with customizable portfolio management approaches, combining in-house and third-party investment managers, and provides integrated lending and cash management options.

Tyler Folk is a financial advisor with Wells Fargo Clearing in Walnut Creek, CA, holding Series 63 and Series 65 licenses and possessing 11 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC and Wells Fargo Bank, N.A. since 2012. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Megan Linford is an Investment Consultant at Fidelity Investments, where she partners with individuals and their families to create, implement, and monitor financial plans aimed at achieving their personal financial goals. She has held several roles at Fidelity Investments, including Planning Consultant from 2022 to 2023 and Relationship Manager from 2018 to 2022. Prior to joining Fidelity, Megan worked as a Financial Advisor at Merrill Lynch from 2017 to 2018. She holds a California Insurance License. Outside of her professional work, Megan is interested in family activities, golf, spending time at the lake, parenthood, and caring for pets.

Kathryn Tuemmler is a CFP® and Series 66-registered financial advisor with Cambridge Investment Research Advisors, bringing four years of industry experience. She has worked with Cambridge Investment Research since 2021 and has also been involved in authoring, educating, podcasting, and speaking through Intersect Financial, LLC. Cambridge Investment Research Advisors is an SEC-registered firm serving a diverse client base that includes individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent professionals, utilizing a range of portfolio management and model-based solutions tailored to client objectives.

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.

Samantha Balboni is a financial advisor with Osaic, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. She spent three decades with Lincoln Financial Advisors Corporation before joining Osaic in 2025. Outside of advising, she volunteers as a Veteran’s Coordinator with the Elks Lodge, assisting formerly homeless veterans in furnishing their homes. Osaic Wealth, Inc. serves a diverse client base, including individual and institutional investors, offering integrated brokerage and advisory services through a large network of affiliated advisers. The firm employs asset-allocation tools, risk assessments, and automated rebalancing to manage portfolios that may include a range of securities across discretionary and non-discretionary accounts.

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 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.

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 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.

Neil Hunter Smith is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds Series 63 and Series 65 licenses and has three years of industry experience. Prior to joining Raymond James, he worked at NYLIFE Securities LLC and New York Life Insurance Company. Outside of finance, he previously managed entrepreneurial ventures including Lightning Fit and Urban Golf Performance. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual and institutional clients. The firm offers tailored, non-discretionary planning and utilizes analytical tools to model potential outcomes, supporting implementation through advisory programs or other providers.

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.