Stephanie Atalla is a financial advisor with Ameriprise in San Jose, CA, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. She has worked at Ameriprise since 2018 and previously spent 16 years at Foresters Financial. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement with significant investable assets, providing written recommendations focused on income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research and modeling with a centralized consulting team to deliver tailored, non-discretionary advice.

Melissa Sablan is a Senior Financial Advisor with Merrill Lynch Wealth Management. She joined Merrill in 2007 following 12 years with the Guam Economic Development Authority, where she supported local business initiatives through government programs. Melissa’s professional background also includes experience with an engineering firm and collaboration in launching an environmental services company. She serves a diverse clientele comprising business owners, entrepreneurs, and multigenerational families. Melissa’s expertise lies in areas such as college education planning, family wealth management, legacy planning, portfolio management, and investment consulting for various organizations. She emphasizes financial education, guiding clients to anticipate future financial needs and helping them develop investment strategies aimed at achieving their goals while preserving accumulated wealth. She leverages resources from Merrill and Bank of America to provide comprehensive financial solutions. Melissa holds a high school diploma from the Academy of Our Lady of Guam and professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). With strong ties to Guam, she is involved in community initiatives such as the annual St. Fidelis Friary Christmas Village and organizing a medical mission to the island of Rota. Her personal interests include boating, fishing, cooking, genealogy, traveling, and spending time with her family.

Lisa Odsander Gronowski is a financial advisor at UBS Financial Services with seven years of industry experience. She holds a Series 66 designation and has been with UBS since 2017. Prior to UBS, she worked with the Swedish American Chamber of Commerce and the Swedish School of Silicon Valley. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm provides tailored financial planning and portfolio management using proprietary research and model-based asset allocations.

Mauludin Ghafari is a financial advisor at J.P. Morgan Securities in Santa Clara, CA, holding Series 63 and Series 66 credentials with 18 years of industry experience. He has worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2012 and was previously with Merrill from 2010 to 2012. 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 and fund searches, and customized performance reporting through a non-discretionary advisory program. The firm’s advisory process includes centralized due diligence, quantitative and qualitative research, and may incorporate ESG criteria in its recommendations.

Richard Rogers is a financial advisor at Wells Fargo Clearing with 39 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Charles Schwab, TD Ameritrade, and FIDELITY Brokerage Services LLC. Outside of finance, he co-owns and operates R2 Hillside Ranch in Aptos, California, where he manages an alpaca fiber distribution business. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s advisory process is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Erik Torres is a financial advisor with Merrill, holding a Series 66 designation and six years of industry experience. He previously worked at Citibank from 2013 to 2017 and has been with Merrill and Bank of America since 2017. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to Bank of America fiduciary clients, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Anna Wu is a financial advisor with Morgan Stanley in Cupertino, CA, holding Series 63 and Series 65 licenses and possessing 27 years of industry experience. She has been with Morgan Stanley since 2010, including roles at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs, including tailored financial planning and estate planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and market scenario modeling.

Paige Rexrode is a financial advisor with J.P. Morgan Securities in Scotts Valley, CA, holding a Series 66 designation and 11 years of industry experience. Her work history includes roles at JPMorgan Chase Bank, N.A., J.P. Morgan Securities LLC, Hilltop Securities Inc, and Waddell & Reed. She was also involved with Soroptimist International of Capitola by the Sea from 2016 to 2019. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process utilizes centralized due diligence with quantitative and qualitative research, and it offers broader derivatives and commodities capabilities compared to many institutional advisors.

Thuy Do is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at various J.P. Morgan entities since 2013, including JPMorgan Chase Bank and J.P. Morgan Securities. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on non-discretionary asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process combines quantitative screening and qualitative research to build model asset allocations, with an emphasis on eligible strategies and an ESG eligibility framework.

Vanessa Young is a financial advisor at J.P. Morgan Securities with three years of industry experience. She holds a Series 66 designation and has worked at J.P. Morgan Securities since 2023. Additionally, she has been employed at JPMorgan Chase Bank, N.A. since 2013. 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 and fund searches, and customized performance reporting. Their advisory process combines quantitative and qualitative research and includes capabilities in derivatives and commodities through affiliated entities.

Robert Stoll serves as Senior Resident Director at Merrill Lynch Wealth Management in Guam. He oversees the management of the Guam office and acts as the relationship manager for clients within the Stoll-Sablan Group. In this capacity, he focuses on delivering a client experience that meets and exceeds expectations, helping clients pursue their long-term financial goals through personalized strategies. Rob joined Merrill in 1996, continuing a family tradition started by his father. His expertise includes individual and corporate investment strategy, tax minimization, and retirement income planning. He holds a Bachelor's degree in international business from Seattle University and has earned the Personal Investment Advisor (PIA) designation. Raised in Guam, Robert is active in the local community, having served on boards such as Big Brothers Big Sisters of Guam and the Rotary Club of Guam. Outside of work, he enjoys golfing and spending time with his wife, Amber, and their two daughters.

Leon Roat is a financial advisor with Ameriprise in San Jose, CA, holding a Series 63 designation and 34 years of industry experience. He has been with Ameriprise and its affiliate since 2005. Outside of advising, he is involved in independent insurance brokering. Ameriprise provides retirement-income planning services targeting individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Hung Vu is a financial advisor with Ameriprise in Gilroy, CA, holding a Series 63 designation and 35 years of industry experience. He has worked with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 1990. Outside of his advisory role, he has provided a personal loan to a long-term friend. Ameriprise offers retirement-income planning services primarily for individuals nearing or in retirement who meet specific asset criteria, combining research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary recommendations. The firm provides a broad range of advisory, brokerage, and insurance solutions through its extensive institutional platform.

Jason St. Claire is a financial advisor at Morgan Stanley with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutions, offering tailored financial planning and investment services supported by firm-approved planning tools and strategies.

Avni Dubey is a financial advisor at Charles Schwab with a Series 66 designation and less than one year of industry experience. Prior to joining Schwab, Avni's background includes roles at Nordstrom and periods focused on full-time education. Charles Schwab & Co., Inc. serves a large client base of primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers investment guidance via multi-asset model portfolios and alternative investment options.

Dan Hogan is the Vice President and Branch Leader at Fidelity Investments, a role he has held since 2025. In this capacity, he leads a team of financial professionals, focusing on delivering a world-class experience for clients and upholding Fidelity's Standards of Care. His professional experience spans several positions in the financial services industry, including Financial Consultant at Charles Schwab from 2022 to 2025, and various roles at Ameriprise Financial from 2013 to 2022, such as Branch Manager, Regional Sales Manager, and Financial Advisor. Dan holds a California Insurance License. Outside of his professional responsibilities, Dan's personal interests include art, cars, music, pets, snowboarding, and traveling.

Mai Le is a financial advisor with OSAIC based in San Jose, CA, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. Prior to joining OSAIC in 2023, she worked at Sagepoint Financial, Inc. for 14 years. Aside from her advisory role, she is involved in mortgage loan origination and health insurance agency work. OSAIC Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporations, offering a variety of brokerage and advisory services. The firm employs a model-based investment approach with portfolio optimization tools and supports multiple custodial and legacy program arrangements across a large multi-advisor platform.

Christopher Kovarik is a financial advisor at Wells Fargo Clearing with 25 years of industry experience. He holds the Series 66 designation and has worked at Wells Fargo Clearing since 2016, with prior experience at Citigroup Global Markets and Citicorp Investment Services. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Diane Baer is a financial advisor at Morgan Stanley with six years of industry experience. She holds a Series 66 certification and previously worked at Citigroup for 34 years. Outside of her advisory role, she is involved in managing a rental property in Snohomish, Washington. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutions, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s financial planning process uses structured discovery conversations and firm-approved tools, focusing on advisory services without individual security recommendations as part of standalone plans.

Luiz Carlos Macedo is a financial advisor at Ameriprise with the Series 66 designation and five years of industry experience. His prior roles include positions at Wells Fargo Clearing and Wells Fargo Bank. Macedo is based in San Jose, California. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service. The firm emphasizes tax-aware withdrawal strategies and dependable income sources, using research and algorithmic tools to support client recommendations.