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.

Alan Torrey is a financial advisor at Ameriprise with 31 years of industry experience. He holds Series 63 and Series 65 designations and has been with Ameriprise since 2008. Torrey operates an S-Corp for managing his franchise expenses. Ameriprise provides retirement-income planning services primarily for clients with significant investable assets, combining research, modeling, and tax-efficient strategies to deliver tailored recommendations through a centralized consulting team.

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.

Ricky Luong is a financial advisor at Wells Fargo Clearing with five years of industry experience. He holds the Series 66 designation and has worked at Wells Fargo Clearing since 2020, following four years at Grand Communications. Luong is based in Castro Valley, CA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a range of investment options such as insurance-related vehicles and bank deposit sweep programs.

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.

Yvonne Flores is a financial advisor at Edward Jones in Fremont, CA, holding a Series 66 designation with one year of industry experience. Her prior work history includes positions at JP Morgan Chase, First Republic, and Bank of America. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment strategies supported by a large nationwide network of financial advisors and branch offices.

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.

Paul Bratrude is a financial advisor at Cetera with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Cetera since 2006. In addition to his advisory role, he is a partner and CPA at Bratrude & Jones CPAs, Inc., where he provides accounting assistance and income tax planning and preparation. Cetera is an SEC-registered advisor that supports a large network of independent advisors serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with varied portfolio management options and oversees over $256 billion in assets under management.

Brendaliz Valenzuela is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. She holds Series 63 and Series 65 licenses and has been with J.P. Morgan Securities since 2012, also working at JPMorgan Chase Bank, N.A. since 2018. 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 firm’s advisory process combines quantitative screening and qualitative research, employing forward-looking capital market assumptions and an ESG eligibility framework.

Gregory Cohn is a financial advisor with Mass Mutual Investors Services in Pleasanton, CA, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been with MassMutual Life Insurance Company and MassMutual Investors Services since 2001. Outside of his advisory role, he is a joint owner of a thoroughbred racehorse. MassMutual Investors Services operates as a subsidiary of MassMutual, providing financial planning and asset management services to individuals, business owners, trusts, and charitable organizations. The firm emphasizes collaborative annual financial planning engagements using firm-approved analytical tools and offers a range of investment and educational programs.

Ellen Nguyen is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. She holds Series 63 and Series 66 designations and has been with JPMC Bank NA and J.P. Morgan Securities since 2016. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. Their advisory program focuses on written asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence and a manager solutions team.

Navjit Singh is a financial advisor at Wells Fargo Clearing with 22 years of industry experience and holds a Series 66 designation. His prior experience includes roles at LPL Financial, Wells Fargo Investments, Wamu Investments, Merrill, and Equitable Advisors. 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 a large team of over 14,000 advisors and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party data.

Steven Tran is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 19 years of industry experience. His career includes multiple roles at Wells Fargo entities as well as positions at Harrisdirect LLC and Merrill. 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 provides both brokerage and advisory solutions, using research and analytics to guide investment decisions within diversified portfolios.