Rong Wang is a financial advisor at Merrill with 7 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Bank of America, J.P. Morgan Securities, and J.P. Morgan Chase Bank. Merrill provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations. The firm combines internal Chief Investment Office teams and third-party style managers to implement trading, account administration, and custody support.

Eric Anderson is a financial advisor at Merrill with a Series 66 credential. He has experience at Bank of America and Merrill since 2025. Prior to his current roles, he was the owner of Method15, LLC, an engineering services business that has since been closed. He also worked at Northrop Grumman Corp from 2009 to 2017. Merrill serves a broad range of clients including individuals, retirement plans, corporations, and institutional clients by offering managed account programs, discretionary portfolio management, brokerage execution, and custody services. The firm utilizes multiple program strategies and emphasizes manager selection and tax-efficient implementation, supported by its integration with Bank of America affiliates.

Richard Bratincevic is a financial advisor at Morgan Stanley with 34 years of industry experience. He has been with Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009. Outside of his advisory role, he owns a real estate investment property in Glendora, CA. Morgan Stanley Wealth Management is a registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a broad range of advisory programs and financial planning services supported by advanced modeling tools and a structured discovery process.

Jennifer Gershon is a Wealth Management Advisor with Merrill Lynch Wealth Management. She holds the CERTIFIED FINANCIAL PLANNER® certification and the Personal Investment Advisor designation. Jennifer helps individuals grow their financial assets and realize their life priorities by developing personalized financial strategies. Her areas of expertise include college education planning, managing new wealth, personal retirement planning, portfolio management services, socially responsible and values-based investing, women and wealth, and tax minimization. Jennifer earned her bachelor's degree from Santa Clara University. Jennifer participates in the communities she serves, including volunteering with the American Red Cross. Outside of work, she enjoys boating, cooking, gardening, hiking, music, reading, spending time with her family, swimming, and tennis.

Guillermo Salas is a Series 66 registered advisor with 18 years of industry experience. He has been with J.P. Morgan Securities since 2012 and also has experience at JPMorgan Chase Bank, N.A., Wells Fargo Clearing, and Wells Fargo Investments. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on asset allocation advice, investment manager searches, and customized performance reporting. The program incorporates centralized due diligence, quantitative and qualitative research, and may include an ESG eligibility framework.

Pablo Flores Maza is a financial advisor at Merrill based in Los Angeles, CA, holding a Series 66 designation. He has been with Merrill and Bank of America since 2026, with additional prior experience at Bank of America since 2019 and at other firms dating back to 2010. 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, offering model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, and charitable organizations.

Harout Garabedian is a financial advisor at Charles Schwab with 21 years of industry experience. He holds Series 63 and Series 66 designations. His prior work includes 15 years at TD Ameritrade before joining Charles Schwab in 2022. 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 combination of non-discretionary and discretionary investment options supported by multi-asset model portfolios and centralized operational infrastructure.

Shanon Still is a financial advisor with Merrill in Los Angeles, CA, holding Series 63 and Series 65 registrations and 18 years of industry experience. Before joining Merrill in 2019, Shanon worked at Morgan Stanley for seven years. 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. The firm serves individuals, high-net-worth clients, and institutional investors using model-based and discretionary strategies developed by internal CIO teams and third-party managers.

Danny Kim is a financial advisor at Morgan Stanley with 22 years of industry experience. He holds a Series 66 designation and has worked with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. He is based in Los Angeles, CA. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs that include tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and provides services that combine broad retail and institutional offerings with access to investment companies, private funds, and structured-product activities.

Hovhannes Markosyan serves as a Client Experience Advisor at Merrill Lynch Wealth Management. In this role, he collaborates with clients to assess their financial situations and introduce solutions available through Merrill and Bank of America. He aims to support clients in understanding their financial options and selecting platforms that align with their needs. Hovhannes holds the designation of Personal Investment Advisor (PIA). He earned both a Bachelor's Degree and a Master of Business Administration (MBA) from the California State University System. His approach emphasizes helping clients identify their priorities to develop strategies tailored to pursue their financial goals.

Molly Sakahara is a financial advisor with Morgan Stanley in Los Angeles, holding Series 63 and Series 65 licenses with 26 years of industry experience. She has been with Morgan Stanley Private Bank since 2016 and Morgan Stanley Smith Barney LLC since 2015. Outside of her advisory role, she serves on the finance committee and board of SoCal Squash, a social and recreational organization. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing advisory programs to individuals and institutional clients, including tailored financial planning and estate planning services. The firm manages approximately $2.74 trillion in client assets and uses structured discovery processes and firm-approved tools in its planning approach.

Jack Crawford is a financial advisor with Thrivent Investment Management in Glendale, CA. He holds the Series 66 designation and has six years of industry experience, including prior roles at Swiss Growth Forum and Paso Robles Joint Unified. Outside of finance, he assists with organizing and facilitating offsite wine pouring events for SCULPTERRA. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering comprehensive, goal-based financial plans without portfolio management or institutional advisory services.

Buhyun Shin is a financial advisor at Merrill with 13 years of industry experience and holds a Series 66 designation. Shin has worked at Merrill since 2011 and has been affiliated with Bank of America, N.A. since 2014. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services to fiduciary clients of Bank of America through the Select Portfolio Solutions Program. The firm provides model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Audrey Chang is a financial advisor at Morgan Stanley with 22 years of industry experience. She holds Series 63 and Series 66 designations and has worked at several firms including Merrill, Citigroup Global Markets, RBC Capital Markets, and Morgan Stanley. Morgan Stanley Wealth Management serves individuals and institutional clients with a range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets. The firm’s approach includes structured financial planning using firm-approved tools and investment models, combined with advisory services across a broad spectrum of retail and institutional offerings.

Lilta Talavat is a financial advisor at J.P. Morgan Securities with 14 years of industry experience. She holds a Series 66 designation and has worked at UBS Financial Services, First Republic Securities Company, and JPMORGAN Chase Bank. In addition to her advisory role, she is a licensed Notary Public. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments, focusing on written asset allocation advice, investment manager searches, and customized performance reporting through a non-discretionary program. Their process incorporates quantitative and qualitative due diligence and includes capabilities in derivatives and commodities.

Joseph Naiman is a Wealth Management Advisor with Merrill Lynch Wealth Management. He works with individuals, businesses, and nonprofit organizations, focusing on investment management, retirement planning, and philanthropic services. Joseph collaborates with clients to develop detailed wealth plans and investment frameworks, helping them implement strategies suited to their financial situations. His expertise includes retirement strategy, long-term planning, investment analysis, and management of individual and small business retirement offerings, including 401(k), profit sharing, and defined-benefit plans. Joseph has been with Merrill since 2012 and has worked in financial services since 2007. He previously held positions at Northwestern Mutual as a Financial Security Associate, New England Financial as a Financial Advisor, and began his career as an Equities Trader with Chimera Securities. He earned both his Bachelor of Science degree and his Master of Business Administration from the University of California, Los Angeles. Joseph holds the Chartered Financial Consultant (ChFC) and Certified Plan Fiduciary Advisor (CPFA) designations, among others. Born and raised in southern California, Joseph lives in the area with his wife and three daughters. He has served on the board of the Los Angeles Valley College Foundation. In his free time, Joseph enjoys basketball, boxing, camping, hiking, skiing, table tennis, traveling, and spending time with his family.

Annie Yu is a financial advisor at Morgan Stanley with 17 years of industry experience. She holds the Series 66 designation and has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management provides a broad range of advisory programs to individual and institutional clients, focusing on tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-based financial planning services.

William Hoa is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. He holds Series 63 and Series 66 designations and has been with J.P. Morgan Securities and JPMC BANK NA (Southwest) since 2016. Outside of his advisory work, he operates an online sales business specializing in rare Nintendo products and secondhand items. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. Their advisory program focuses on non-discretionary asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence and incorporating ESG frameworks where applicable.

Juan De La Rama is a financial advisor with UBS Financial Services, holding Series 63 and Series 66 licenses and bringing 38 years of industry experience. He has been with UBS 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, utilizing proprietary research and model-based asset allocations to tailor solutions to client goals.

Qing He is a financial advisor at Morgan Stanley in Pasadena, CA, holding a Series 66 designation with one year of industry experience. His prior roles include positions at Cetera Investment Services, East West Bank, and Bank of America, as well as work with Easy Ways USA LLC. Morgan Stanley Wealth Management provides a range of advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s financial planning process uses structured discovery conversations and approved planning tools but does not provide individual security recommendations as part of standalone plans.