Irene Michael is a financial advisor at Morgan Stanley with 27 years of industry experience. She has been with Morgan Stanley since 2009 and holds a Series 66 designation. Outside of her advisory role, she owns the Lovers Point Inn hotel in Pacific Grove, CA. Morgan Stanley Wealth Management serves both individual and institutional clients, offering comprehensive financial planning and advisory programs supported by firm-approved planning tools and resources.

Asha Mendes is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and six years of industry experience. She has worked at Wells Fargo Bank, N.A. since 2016 and Wells Fargo Clearing since 2019. In addition to her advisory role, Mendes is a commissioned notary public in California. 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 investment approach is IPS-driven and incorporates modern portfolio theory, with notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

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 towards their families' financial goals. He holds a Bachelor's Degree from Colgate University. William has earned professional designations including Certified Private Wealth Advisor (CPWA), Chartered Advisor in Philanthropy (CAP), Certified Exit Planning Advisor (CEPA), and Retirement Management Advisor (RMA). These credentials support his comprehensive approach to wealth management, integrating advanced strategies in retirement, philanthropy, and business exit planning. William is involved in several community activities, including serving with the Lazerex Cancer Foundation and coaching youth sports such as lacrosse and at St. Isidore School. He has held leadership roles as the former Board Chair of The Athenian School and as a former Trustee of the ValleyCare Hospital Foundation. He 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 CFP® with 28 years of industry experience, currently serving at Wells Fargo Clearing since 2016. He previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, he acts as a trustee for a family trust. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment services. The firm’s process is IPS-driven and includes a range of financial products such as insurance-related vehicles and bank deposit sweep options.

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.

Eve Meyer is a financial advisor with Primerica Advisors in Fremont, CA, holding Series 63 and Series 65 licenses and over 31 years of industry experience. She has been with Primerica Advisors since 1994 and also works with Esmff since 2000. Her outside activities include part-time referrals for home security and automation products through Primerica Client Services, Inc. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, providing model-delivery strategies and discretionary separately managed account options primarily for individual and high-net-worth clients. The firm curates third-party asset managers and employs a tiered wrap-fee structure while delegating model implementation to BNY Mellon Advisors.

Edwin Galindo is a Series 66-licensed financial advisor with Merrill in Pleasanton, CA, with 7 years of industry experience. He has been with Merrill for 24 years in various roles. Outside of his advisory duties, he serves as a consultant for University and Student Services and owns a martial arts gym in Hayward, California. Merrill provides managed account services through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a diverse client base that includes individuals, high-net-worth clients, and institutional fiduciaries.

Avery Tannenbaum is a financial advisor with OSAIC in San Ramon, CA, holding a Series 66 designation and one year of industry experience. His work history includes roles at OSAIC Wealth, Equitable Advisors, Ascend Financial Group, and prior experience with CMG/Diversified Mortgage Group and Seattle University. OSAIC Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a range of advisory and brokerage services and employs advanced asset-allocation tools and third-party managers to construct and manage portfolios.

Daschel Grammer is a CFP® with seven years of industry experience, currently serving as a financial advisor at Raymond James Financial in San Ramon, CA. His prior roles include positions at Securian Financial Services Inc and American Century Investment Services, Inc. Grammer also works as an independent contractor for Summit Financial Group. Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to individual and high-net-worth investors, pension and profit-sharing plans, charitable organizations, and state and municipal government entities. The firm offers tailored, mostly non-discretionary advisory services and maintains notable involvement in municipal and public finance activities.

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. He has worked at Bank of America and Merrill since 2010. Outside of his advisory role, he owns a vacation condo at Seascape Resort. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management and offers a broad range of products and services supported by proprietary research and trading platforms.

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.

Francesco Jones is a Series 66-licensed financial advisor with Merrill, based in Alamo, CA, and has 10 years of industry experience. He has worked at Merrill since 2012 and concurrently at Bank of America, N.A. since 2016. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, and institutional investors. The firm’s integration with Bank of America’s platform allows access to an extensive set of products and services beyond typical managed accounts.

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 CFP® with 14 years of industry experience, currently serving with Raymond James Financial. She has held advisory and insurance roles at Summit Financial Group and Securian Financial Services Inc., among others. Damiani is a board member and finance committee member of the Three Valleys Community Foundation. Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to individual and institutional clients, including state and municipal entities. The firm offers tailored, typically non-discretionary solutions supported by institutional resources and has a notable presence in municipal and public finance advisory.

Tracy Parker is a financial advisor with Merrill in Pleasanton, CA, holding Series 63 and Series 65 credentials and having 29 years of industry experience. She has been with Merrill since 1996. Outside of her advisory role, she helps manage a family-run LLC that maintains cellular site properties. Merrill provides managed account services through the Select Portfolio Solutions program, serving a broad client base including individuals, high-net-worth clients, and institutional fiduciaries. The firm employs model-based and discretionary investment strategies integrated within Bank of America’s broader platform.

Richard Scarpitti is a financial advisor with Charles Schwab, holding a Series 66 designation and 19 years of industry experience. His prior roles include positions at TD Ameritrade Investment Management, Scottrade, Inc., and Commonwealth Financial Network. He is currently based in Pleasanton, CA. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering both non-discretionary and discretionary investment options. The firm combines advisory, brokerage, custody, and cash-sweep services within an integrated operational structure.

Haiwen Ye is a financial advisor at Merrill with six years of industry experience. He holds the Series 66 designation and has previously worked at Bank of America, N.A. and Citigroup. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors. The firm integrates with Bank of America’s broader corporate platform, providing access to a wide set of financial products and services.

Kimberly Rosati is a Vice President, Wealth Planner at Fidelity Investments, a position she has held since 2013. In this role, she works with multiple generations of families to develop personalized wealth strategies focused on growth, preservation, and wealth transfer. She aims to build long-term relationships and assist clients in achieving their wealth planning and legacy objectives. Her professional experience is centered around wealth planning, where she leverages her expertise to help clients navigate complex financial decisions. Kimberly holds a California Insurance License, which supports her work in providing comprehensive financial advice.