Kazuyoshi Kimura is a Senior Financial Advisor with Merrill Lynch Wealth Management based in Sacramento, California. With 23 years of experience, he specializes in managing new wealth, personal retirement planning, and retirement income. Kazuyoshi works closely with clients to develop personalized financial strategies tailored to their long-term goals, leveraging the investment insights of Merrill along with the banking and lending solutions of Bank of America. He holds a Bachelor's Degree from Pacific Union College and has earned professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Beyond his professional responsibilities, Kazuyoshi participates in community volunteering consistent with Merrill’s tradition of service. In his personal time, he enjoys camping, fishing, gardening, and spending time with his family.

Miguel Ballesteros is a financial advisor at Merrill based in Houston, TX, holding a Series 66 license with three years of industry experience. His prior roles include positions at Bank of America, LPL Enterprise, and The Prudential Insurance Company of America. Outside the financial industry, he has worked as a bartender at Mama Chang’s in Colmar, PA. Merrill, along 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 a range of clients including individuals, high-net-worth investors, and institutions.

Jenisteen Davier is a financial advisor with Wells Fargo Clearing in Houston, TX, holding the ChFC® and Series 66 credentials and bringing 19 years of industry experience. Her prior work includes positions at PRUCO Securities, LLC, Morgan Stanley, and UBS Financial Services. Outside of her advisory role, she works as a part-time dog walker. 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 combines research from Wells Fargo Investment Institute with third-party analytics to evaluate investment options, offering both brokerage and advisory solutions.

Paula Scales is a financial advisor at Morgan Stanley in Houston, TX, with 29 years of industry experience. She holds Series 63 and Series 66 credentials and has been with Morgan Stanley since 2015. Outside of her advisory role, she owns a resume writing business and operates a retail and online customer service company. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutions with tailored financial planning and a broad range of advisory programs. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools to model financial outcomes.

Monica Woodward is a financial advisor at Morgan Stanley with 39 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Smith Barney since 2009 and at Citigroup Global Markets from 1997 to 2009. Outside of her advisory role, she owns and operates a life coaching business in Houston, Texas. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs and financial planning services. The firm employs a structured planning process and leverages tools such as Monte Carlo simulations, managing approximately $2.74 trillion in client assets.

Douglas Sobotik is a Senior Financial Advisor with Merrill Lynch Wealth Management. He specializes in developing personalized financial strategies that align with clients' individual goals and the dynamic conditions of today’s market. Leveraging the investment insights of Merrill and the banking services of Bank of America, he focuses on comprehensive wealth management tailored to each client's unique financial picture. Douglas holds the Personal Investment Advisor (PIA) designation. His educational background includes an Associate's Degree from San Jacinto College, coursework completed at the University of Houston System, and a Bachelor's Degree from the University of Phoenix. Committed to community involvement, he participates in volunteer activities within the local area, reflecting Merrill’s tradition of serving the communities where clients live and work.

Ian Fredrick is a financial advisor at Morgan Stanley in Houston, TX, holding Series 63 and Series 65 licenses with three years of industry experience. His prior work includes roles at E*Trade Securities, Caliber Home Loans, and CEI Logistics. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and a variety of advisory programs supported by firm-approved planning tools and investment research.

Tattiana Quiros Vargas is a financial advisor with Morgan Stanley in Houston, TX, holding Series 65 and Series 63 licenses and 13 years of industry experience. Her career includes roles at BBVA Compass Insurance Agency and BBVA Wealth Solutions, among others, prior to joining Morgan Stanley Smith Barney in 2020. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and financial planning services supported by structured discovery processes and firm-approved tools.

Steven Ross is a financial advisor at Merrill with over 40 years of industry experience. He holds a Series 63 designation and has worked at Merrill since 1985, concurrently serving with Bank of America since 2010. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies to individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Colby Hunt is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 designations and 12 years of industry experience. He has worked at JPMorgan Securities since 2017 and previously with Axa Advisors from 2014 to 2017. 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 searches, and customized performance reporting. Their advisory process uses centralized due diligence combining quantitative and qualitative analysis to build model asset allocations and incorporates an ESG eligibility framework.

Allen Baker is a financial advisor at Ameriprise in Houston, TX, holding Series 63 and Series 65 licenses with 42 years of industry experience. He has worked at Ameriprise since 2019 and previously spent 10 years at RBC Capital Markets Corporation. Ameriprise provides retirement-income planning services primarily for individuals with substantial investable assets, delivering written recommendation reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm employs a centralized consulting team and algorithmic tools to support tailored, non-discretionary advice, emphasizing assets held in Ameriprise Managed Accounts.

Jeremy Helmcamp is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 licenses and three years of industry experience. He previously worked at Northwestern Mutual and has had diverse roles including a position at WoodsEdge Community Church. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser, providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers structured, collaborative financial planning engagements utilizing firm-approved tools, with implementation of recommendations handled through separate arrangements.

Jacob Dingle is a financial advisor with Cetera, holding Series 63 and Series 65 designations and 12 years of industry experience. He has been with Cetera and its related entities since 2019 and previously worked at Foresters Advisory Services and Foresters Financial. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform that supports model portfolios, third-party managers, and customized strategies.

Curtis Deinert is a financial advisor with Morgan Stanley in Houston, TX, holding Series 63, 65, and 66 licenses and bringing 18 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2017 and previously at Northern Lights Distributors, Orion Advisor Services, and TD Ameritrade. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and models to support its advisory process.

Eduardo Speck Fierro is a First Vice President and Private Wealth Manager at Merrill Private Wealth Management, a Bank of America company. In this role, he provides strategic financial guidance and wealth management solutions to a diverse clientele, including Ultra High Net Worth individuals, family offices, and financial advisors. His expertise encompasses areas such as international wealth management, liquidity management, personal retirement planning, philanthropic planning, and portfolio management services. Prior to joining Merrill, Eduardo served as a trusted advisor at JPMorgan, where he contributed to the growth of the wealth management business for the Mexico market. His background also includes engineering work in Ecuador, where he applied his skills to the construction of a hydro-electric power plant within an ecological reserve and worked on an experimental high-protein crop plantation. Eduardo holds an MBA with concentrations in Finance, Entrepreneurship, and Marketing from the Goizueta Business School at Emory University, as well as a degree in Industrial Technologies Engineering from the University of Navarra in Spain. He is a Personal Investment Advisor (PIA) and is bilingual in English and Spanish. Outside of his professional life, Eduardo resides in Houston, Texas, with his wife and two children, and his personal interests include golfing, music, soccer, and traveling.

Michael D'Onofrio is a Financial Advisor at Merrill Lynch Wealth Management and a Merrill Financial Solutions Advisor. He specializes in helping clients develop strategies to pursue their short-, mid-, and long-term financial goals, providing resources for investing, retirement planning, and saving. He also facilitates access to Bank of America specialists for banking, credit, home financing, and small business solutions. Michael's expertise encompasses family wealth management strategies, managing new wealth, personal retirement planning, individual and corporate investment strategy, tax minimization, and retirement income. Beginning his career in investment banking, he transitioned to financial planning to foster more personal relationships with clients. He holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) professional designations and earned a Bachelor's Degree from Ohio State University. Outside of his professional work, Michael enjoys football, reading, skiing, and spending time with his family. He is involved in community activities through Social Venture Partners Dallas.

Fernando Parada is a financial advisor with Morgan Stanley in Houston, TX, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2021, and previously at Wells Fargo Clearing from 2016 to 2021. Outside of his advisory work, he is a partner in a family agriculture business and has part ownership in a plastic recycling company in Mexico. Morgan Stanley Wealth Management provides a wide range of advisory programs to both individual and institutional clients, offering tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and serves clients through both direct engagements and employer-sponsored financial planning agreements.

Maria Mayhood is a financial advisor with Merrill in Houston, TX, holding Series 63 and Series 66 credentials and 11 years of industry experience. Her work history includes multiple roles at Merrill and Bank of America, as well as managing Gruver Diversified Investments LLC, a real estate business focused on purchasing, renovating, and selling single-family homes. In that capacity, she oversees contractors and realtors involved in these transactions. Merrill, along 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 and profit-sharing plans, corporations, and charitable organizations.

Cynthia Tanaka is a financial advisor at Morgan Stanley with 22 years of industry experience. She holds Series 65 and Series 63 licenses and has been with Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2014. Outside of her advisory work, Tanaka owns and manages wellness-related businesses in Houston, including a meditation group and educational wellness initiatives. Morgan Stanley Wealth Management provides a range of advisory programs and financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm employs a structured planning process using proprietary tools and market outlook models, offering comprehensive wealth management alongside its broad retail and institutional offerings.

Pedro Rodriguez is a Planning Consultant at Fidelity Investments, where he has been working since 2017. In his role, he partners with clients and their consultants to co-create tailored financial plans that align with their goals and aspirations. Pedro serves as a primary point of contact for clients, addressing their questions, concerns, and needs related to financial planning and achieving their financial objectives.