Gloria Montesinos is a financial advisor at Merrill with 30 years of industry experience and a Series 66 designation. She has been with Merrill since 1991. Outside of her advisory role, she is an authorized check signer on a family business unrelated to investments. 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 plans, corporations, and charitable organizations.

Jeffrey Schottenstein is a financial advisor at J.P. Morgan Securities with 30 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Merrill, Bank of America, First Republic Investment Management, and J.P. Morgan. Outside of his advisory role, he serves as president of the Sara Schottenstein Foundation, which supports the development of new cancer treatments, and is a board member of the Gastric Cancer Foundation. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations and delivers its program on a non-discretionary basis.

David Whalen is a financial advisor with Morgan Stanley in Oakland, CA, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has worked at Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney since 2009, with prior experience at Citigroup Global Markets dating back to 1993. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by proprietary tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and provides services both directly and through employer-based agreements.

Angela Herico is a financial advisor at Wells Fargo Clearing with 10 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2007 to 2016. She holds the Series 66 designation. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a broader investment menu that includes insurance-related vehicles and bank deposit sweep options.

Geoffrey Aden is a financial advisor at OSAIC with 34 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Woodbury Financial Services Inc and Cetera Advisors. Outside of his advisory role, he operates a sole proprietorship providing insurance case design and serves as a trustee managing family trust investments. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, using various tools and third-party providers to construct and manage portfolios across a wide range of asset classes.

Christian Frederiksen is a financial advisor with Cetera who holds a Series 66 designation and has 28 years of industry experience. He has worked at Cetera and its affiliated entities since 2025, with prior experience at Avantax Investment Services and 1 St Global Capital Corp. Frederiksen is also a shareholder and officer of Frederiksen-Crawford CPAs Inc., a tax and consulting firm, and serves as vice president of Cyber 631 Inc., a company involved in cybersecurity software sales. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers diverse portfolio management and financial planning services through a large network of independent advisors, employing a multi-manager platform with a range of program structures and custodial relationships.

Erik Pulley is a financial advisor with Morgan Stanley in Oakland, CA, holding Series 63 and Series 65 designations and having 28 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2009 and at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a broad range of advisory programs to individuals and institutional clients, including customized financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that incorporates proprietary tools and market modeling methods.

Samuel Oliver is a CFP® with 20 years of industry experience, currently affiliated with LPL Financial since 2021. He previously worked at Avantax Investment Services and Avantax Insurance Services and has operated Oliver Financial, Inc., a tax and investment business, since 1986. In addition to his advisory work, he owns a CPA business specializing in tax preparation and accounting. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, utilizing both discretionary and non-discretionary management, and incorporates research from internal and third-party sources to support diversified and alternative investment strategies.

Sarah Pieri is a financial advisor at Wells Fargo Clearing with a Series 66 designation and two years of industry experience. She has held various roles including positions at RMI Mechanical Contractors and Sonoma State University. 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 offers both brokerage and advisory solutions.

Peter Salcuni is a financial advisor at Fidelity with 14 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Caldwell Sutter Capital and Computershare NA. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients, including an IRS-qualified Charitable Gift Fund and registered investment companies. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios built from mutual funds, ETFs, and ETPs.

Loren Kertz is a financial advisor with Charles Schwab, holding a Series 63 designation and 32 years of industry experience. He has been with Charles Schwab since 1996 and associated with Charles Schwab Bank, SSB since 2005. 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. The firm operates as both a broker-dealer and investment adviser, offering bundled advisory, brokerage, custody, and cash-sweep services with a combination of non-discretionary and discretionary investment management options.

Michael Peri is a financial advisor at Morgan Stanley with 41 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank since 2015, holding Series 63 and Series 65 licenses. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs and tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services through its Financial Advisors and Estate Planning Strategies Group.

Philip Camicia is a financial advisor at Morgan Stanley with 42 years of industry experience. He holds a Series 63 designation and has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, as well as Citigroup Global Markets since 1993. Outside of his advisory role, he is a partner in a rental property business in Alameda, California. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and integrates structured planning tools and modeling techniques in its financial planning process.

Fatima Romo is a financial advisor with Wells Fargo Clearing in Corte Madera, CA. She holds a Series 63 designation and has nine years of industry experience, including four years with Wells Fargo Advisors, LLC prior to joining Wells Fargo Clearing. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions.

Richard Roman is a CFP® professional with 24 years of experience, currently affiliated with Mass Mutual Investors Services in Novato, CA. He has been with MassMutual since 1997 and MML Investors Services since 2001. Outside of his advisory role, he is also licensed as an insurance agent. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational programs, utilizing firm-approved analytical tools to develop customized strategies.

Kristen Lybrand is a financial advisor at Merrill with six years of industry experience. She holds a Series 66 designation and has worked at Merrill since 2020, with prior roles at RBC Capital Markets, Bank of America, Coach, Tapestry, and Office Depot. 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.

Michael Gorton is a financial advisor at Wells Fargo Clearing with 44 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Wells Fargo Clearing since 2016, following a seven-year tenure at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory solutions. The firm’s process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Miranda Chang is a financial advisor at Cetera with 23 years of industry experience and holds a Series 66 designation. She previously worked at Avantax Investment Services and LPL Financial. Outside of advisory work, she is president of Chang & Associates Tax and Financial Professionals, providing tax preparation and small business accounting services. Cetera Investment Advisers LLC serves a diverse client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and consulting services through a multi-manager platform with access to both affiliated and third-party managers.

Maria Del Rio is a financial advisor at Morgan Stanley with 8 years of experience, holding a Series 66 designation. She previously worked at Wells Fargo Bank for 6 years before joining Morgan Stanley Smith Barney LLC in 2018. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by proprietary tools and models.

Percy Mc Gee Jr. is a Senior Financial Advisor at Merrill Lynch Wealth Management. He specializes in providing comprehensive wealth management strategies to a diverse client base, including athletes, doctors, entrepreneurs, and families at various stages of life. Percy works with a sense of purpose to assist clients in defining their financial goals, establishing priorities, and adjusting strategies to accommodate changing life circumstances. He serves as a Portfolio Manager within Merrill's Investment Advisory Program, managing personalized and defined investment strategies that may incorporate stocks, bonds, and other models. Percy began his career in accounting before joining Merrill Lynch in 2000, initially assisting law enforcement officers with legacy and retirement planning. His expertise areas include college education planning, executive and equity compensation, international wealth management, socially responsible investing, and services for endowments and non-profits. He holds a Bachelor of Science degree in business administration and finance from Humboldt State University and is a Personal Investment Advisor (PIA). Percy is a member of the Black Professional Group. Outside of his professional role, Percy engages in outdoor activities such as fishing, hiking, snowboarding, and competitive meat smoking. He enjoys adventure sports, boating, camping, cooking, gardening, golfing, skiing, reading, and spending time with his family. Percy is active in his community, volunteering and raising funds for organizations such as Strive Through Self Academy and participating in mentoring through the Big Brother Mentoring program and at Merrill for young financial advisors.