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.

Martin Lopez is a financial advisor at Charles Schwab with 25 years of industry experience. He holds Series 63 and Series 66 designations and has been with Charles Schwab and its affiliates since 1999. Lopez is based in Sunnyvale, California. Charles Schwab & Co., Inc. serves a large client base primarily composed of 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 offers a combination of non-discretionary and discretionary investment guidance using multi-asset model portfolios and delivers integrated advisory, brokerage, custody, and cash-sweep services.

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 7 years of industry experience. She holds a Series 66 designation and has previously worked at Citigroup for 34 years prior to joining Morgan Stanley Smith Barney LLC in 2021. Outside of her advisory role, she is involved in real estate as an owner of a rental property in Washington. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a broad range of advisory programs to individuals and institutional clients, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools alongside its Global Investment Committee’s analyses to inform client planning.

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.

John Roxas is a financial advisor with Wells Fargo Clearing in San Jose, CA, holding a Series 66 designation and 15 years of industry experience. He has been with Wells Fargo Bank, N.A. since 2005 and has spent the last 10 years at Wells Fargo Clearing. 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 employs over 14,000 advisors and manages approximately $671 billion in assets, offering both brokerage and advisory solutions supported by research and analytics from the Wells Fargo Investment Institute.

Matthew Prentice is a financial advisor with LPL Financial in San Jose, CA, holding a Series 66 credential and 19 years of industry experience. He previously worked at Merrill for seven years and UBS Financial Services for two years. LPL Financial is a national broker‑dealer and SEC‑registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Jeremy Hsia is a financial advisor at Morgan Stanley in Cupertino, CA, holding Series 63 and Series 65 licenses with six years of industry experience. He has worked at Morgan Stanley Smith Barney LLC since 2019, preceded by roles at Wells Fargo Clearing Services LLC and Wells Fargo Bank, N.A., as well as a period of self-employment. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes a structured planning process supported by firm-approved tools and modeling techniques.

Hongze Chen is a CFP® professional with 28 years of experience in the financial services industry. He has worked at MassMutual Investors Services since 2017 and has been affiliated with MassMutual Life Insurance Company since 2016. Prior to that, he spent 18 years at Metlife Securities Inc. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars, with planning engagements structured as annual collaborative relationships using firm-approved analytical tools.

Christopher Koyama is a Financial Consultant currently with Fidelity Investments, where he has worked since 2021. Prior to this, he held the position of Financial Consultant at E*TRADE Financial from 2018 to 2021, and served as a Private Client Advisor at Bank of the West from 2015 to 2018. Christopher holds a California Insurance License, supporting his work in wealth planning and financial consulting. His professional approach centers on building transparent relationships tailored to client priorities, leveraging his team's dedication and Fidelity's network to develop customized strategies. Outside of his professional role, Christopher is engaged in family activities, parenthood, and caring for pets.

Meenakshi Kaushik is a financial advisor at Fidelity with Series 63 and Series 66 credentials and two years of industry experience. Her prior roles include positions at D&A Financial Services Private Limited, KPMG India Private Limited, and IDBI Capital Markets & Securities Ltd. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm serves a broad client base, including registered investment companies and an IRS-qualified Charitable Gift Fund, and employs systematic methodologies supported by oversight and governance controls.

Annie Wakayama is a financial advisor with Morgan Stanley in San Jose, CA, holding Series 63 and Series 66 licenses with 27 years of industry experience. She has been with Morgan Stanley and its affiliates since 2007. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through Corporate Financial Planning agreements.

Simon Lui is a Senior Financial Advisor at Merrill Lynch Wealth Management. He focuses on high net worth individuals and their families, including their businesses, to navigate financial strategies. His expertise includes retirement planning, income distribution strategies, asset allocation, goal planning, education planning, insurance planning, company and business investments, and 401K and deferred compensation. Simon helps clients manage equity compensation services, family wealth management strategies, legacy planning, managing new wealth, philanthropic planning, portfolio management services, socially responsible investing, individual and corporate investment strategy, tax minimization, and retirement income. Simon holds a Bachelor's Degree from San Francisco State University and is a Personal Investment Advisor (PIA). His professional experience includes extensive work in the finance industry prior to becoming a wealth manager, which he applies to assist clients in both short-term and long-term financial planning under changing market conditions. He follows Merrill's tradition of community involvement and volunteers with local organizations. Outside of work, Simon enjoys golfing, spending time with his family, and playing tennis.

Jeffrey Froshman is a CFP® certificant with 26 years of industry experience. He has been with Wells Fargo Clearing since 2016 and is also a lecturer at California State University, Monterey Bay, a role he has held for over 30 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 and employs more than 14,000 financial advisors, providing a range of brokerage and advisory solutions.