Irene Michael is a financial advisor at Morgan Stanley with 28 years of industry experience. She has been with Morgan Stanley and its affiliated entities since 2003. Outside of her advisory role, she is a hotel owner at Lovers Point Inn in Pacific Grove, CA. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and modeling techniques.

William Blick is a Wealth Management Advisor with Merrill Lynch Wealth Management. He specializes in family wealth management strategies, legacy planning, philanthropic planning, tax minimization, and retirement income. His role focuses on guiding clients toward achieving their families' financial goals. William holds a Bachelor's Degree from Colgate University. He has earned multiple professional designations including Certified Private Wealth Advisor® (CPWA®), Chartered Advisor in Philanthropy® (CAP®), Retirement Management Advisor® (RMA®), and Certified Exit Planning Advisor® (CEPA®). These certifications support his comprehensive approach to wealth management and philanthropy. In addition to his professional commitments, William is involved with community organizations such as the Lazerex Cancer Foundation. He also coaches youth sports and has served in leadership roles including former Board Chair at The Athenian School and trustee for ValleyCare Hospital Foundation. William resides in Danville, California with his wife Marilyn and their two daughters.

Nick Antonio is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2010. He has 28 years of experience in the financial services industry, working with wealthy families to develop customized financial plans aimed at wealth accumulation and distribution. His approach emphasizes education, proper planning, and disciplined money management to help clients pursue their financial goals. Prior to his current role, Nick worked as a Senior Wealth Strategy Associate at UBS Financial Services from 2005 to 2010, an Investment Consultant at TD Waterhouse from 2004 to 2005, and a Financial Advisor at Salomon Smith Barney from 1998 to 2002. He holds a California Insurance License. Outside of his professional work, Nick has interests in beach activities, family activities, fitness, and motorcycles.

Michael McGrath is a Certified Financial Planner (CFP®) with 28 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously spent seven years at A. G. Edwards & Sons, Inc. He also serves as a trustee of a family trust. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to a broad range of clients, including individuals and institutions. The firm employs research-driven investment strategies and provides both brokerage and advisory solutions.

Karen Goodwin is a financial advisor with Ameriprise in Pleasanton, CA, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. She has been with Ameriprise and its affiliates since 2012. Ameriprise Financial Services is a large advisory firm serving both individual and institutional clients, offering a Premier Retirement Income service that provides written retirement-income recommendations and ongoing planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Edwin Galindo is a financial advisor with Merrill in Pleasanton, CA, holding a Series 66 designation and with 7 years of industry experience. He has been with Merrill since 2002. Outside of advising, Galindo serves as a consultant for University and Student Services and is the owner and operator of a martial arts gym in Hayward, California. 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, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

Avery Tannenbaum is a financial advisor at Osaic Wealth, Inc. based in San Ramon, CA, holding a Series 66 credential with one year of industry experience. Prior to joining Osaic, Avery worked at Equitable Advisors, LLC and Ascend Financial Group, and has a background that includes five years at Seattle University and ten years with CMG/Diversified Mortgage Group. Osaic Wealth serves a wide range of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including comprehensive financial planning and retirement plan consulting. The firm’s investment process centers on model-based asset allocation and portfolio optimization, supported by discretionary strategies and third-party manager selections.

Daschel Grammer is a CFP® professional with eight years of industry experience, currently affiliated with Raymond James Financial in San Ramon, CA. He has previously worked at Securian Financial Services Inc and American Century Investment Services, Inc. Grammer also serves as an independent contractor financial advisor at Summit Financial Group. Raymond James Financial Services Advisors, Inc. provides comprehensive financial planning, investment consulting, and advisory services for individual, high-net-worth, institutional, and charitable clients. The firm offers customized, non-discretionary planning using analytical and risk-profiling tools and supports a wide network of advisors with specialized municipal and public finance advisory services.

David Liebowitz is a financial advisor with UBS Financial Services in Danville, CA, holding a Series 63 designation and bringing 33 years of industry experience. His career includes roles at Bank of America, Merrill, Morgan Stanley, Citigroup Global Markets, Wells Fargo Clearing, and Prudential Equity Group. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, combining proprietary research and model-based asset allocations to tailor financial plans. The firm integrates institutional trading capabilities with wealth management services across a broad range of investment products and capital markets activities.

Munish Kaila is a Financial Advisor at Merrill Lynch Wealth Management. With over 20 years of experience in the financial services industry, he specializes in providing clients comprehensive advice focused on retirement planning, college education planning, philanthropic planning, portfolio management, small business strategies, and tax minimization. Munish works closely with clients and their families to help them achieve their specific financial goals and develop sound financial plans. He holds a Bachelor's Degree from the University of New Hampshire and is a Personal Investment Advisor (PIA). Munish’s approach centers on delivering a positive client experience and effectively addressing client needs. Outside of work, he enjoys basketball, golfing, hiking, and spending time with his family.

Kelsey Wheaton is the Vice President and Branch Leader at Fidelity Investments, overseeing the Dublin branch. In this role, she leads a team of Financial Professionals to provide client services and support their professional development. Kelsey has been with Fidelity Investments since 2015, progressing through various roles including Financial Representative, Relationship Manager, Senior Relationship Manager, Financial Consultant, and Assistant Branch Leader before her current position. Prior to Fidelity, she worked as a Flagship Client Service Associate at The Vanguard Group. She holds a California Insurance License.

Mc Rae Grace is a financial advisor at Charles Schwab with a Series 66 designation and two years of industry experience. Prior to joining Charles Schwab, Grace worked at Equitable Advisors for two years and has a varied background including roles outside of finance. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services, combining non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts.

Kimberly Damiani is a Certified Financial Planner® with 14 years of industry experience, currently serving as a financial advisor at Raymond James Financial Services Advisors, Inc. She has worked at Raymond James since 2023 and previously held roles at Summit Financial Group and Securian Financial Services. Damiani serves on the board and investment committee of the Three Valleys Community Foundation, contributing to the foundation’s investment oversight. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, and institutional investors. The firm offers non-discretionary planning tailored to client goals, supported by analytical tools and a range of advisory programs.

Haiwen Ye is a financial advisor at Merrill with seven years of industry experience and holds a Series 66 designation. Ye’s career includes roles at Bank of America, N.A., Merrill, and Citigroup. 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 offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Ronald Guirnalda is a financial advisor at Merrill with 31 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at several firms, including Morgan Stanley, Wells Fargo Clearing, Ameriprise, and UBS Financial Services. Outside of his advisory role, he is employed part-time as a store associate at CVS Health. 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, pension plans, corporations, and charitable organizations.

William Butler is a Private Wealth Advisor and Managing Director at Merrill Private Wealth Management in San Francisco. He is the founder of the Butler Group and specializes in providing wealth management advice to ultra-high-net-worth individuals, family offices, private equity principals, and entrepreneurs. William focuses on helping clients deploy, grow, and transfer their wealth by addressing complex financial situations and offering customized solutions. William Butler has worked in wealth management since 2005, with previous roles including Private Banker and Managing Director at Citi Private Bank, as well as experience in Mellon’s Private Wealth Management Group. Prior to his wealth management career, he served over nine years as a Naval Officer and pilot, including operational duties at the Pentagon and multiple deployments. He holds a Bachelor of Science degree in Economics from the United States Naval Academy and an MBA from George Washington University. William is a Personal Investment Advisor (PIA) professional designated through Merrill.

Lingyun Qian is a financial advisor at Charles Schwab with 10 years of industry experience. Qian holds Series 66, Series 63, and Series 65 licenses and has previously worked at HSBC Securities USA, MUFG Union Bank, and Citigroup. Outside of financial services, Qian has been involved in property management unrelated to investment advisory. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios supported by research from its Center for Financial Research.

Puja Aggarwal is Vice President and Financial Consultant at Fidelity Investments, a role she has held since 2021. She has been with Fidelity Investments since 2015, progressing through various positions including Financial Consultant, Investment Consultant, and Relationship Manager. Prior to joining Fidelity, she worked as a Financial Advisor at Merrill Lynch and as a Relationship Banker at JP Morgan Chase. With 15 years of experience in the financial services industry, Puja specializes in wealth planning and works with individuals, families, business owners, executives, and institutions. She guides clients through rising, declining, and volatile markets by employing a comprehensive financial planning process aimed at helping them take educated and disciplined actions toward their goals. Puja holds a California Insurance License. Outside of work, her interests include spending time at the beach, comedy, social events with friends, hiking, caring for pets, and traveling.

David Halperin is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. He previously worked at Citigroup Global Markets for eight years before joining Wells Fargo in 2016. Outside of his advisory role, he serves as a trustee for a family-related investment trust. Wells Fargo Advisors provides investment advisory, financial planning, and retirement plan consulting services to individual, corporate, and institutional clients, managing approximately $671 billion in assets across more than 14,000 advisors.

Chee Hon is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 66 credentials and 26 years of industry experience. Before joining Cambridge in 2018, he worked at U.S. Bancorp Investments, Inc. from 2014 to 2018. Outside of his advisory role, he owns First Sequoia Financial, LLC, a business entity based in San Ramon, CA. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension plans, and charitable organizations, providing financial planning, investment management, and retirement-plan advisory services. The firm offers both discretionary and non-discretionary management through multiple platforms and proprietary model strategies under the Founders Gate Capital brand.