Veronica Wang is a financial advisor at UBS Financial Services with a Series 66 designation and five years of industry experience. She has worked at UBS since 2018 and has prior experience in the metal fabrication and restaurant industries. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining proprietary capital market research with model-based asset allocations. The firm provides a range of services including fee-based financial planning and portfolio management, operating with both wealth management and institutional trading capabilities.

John Nash is a financial advisor with Cetera who holds a Series 66 designation and has 26 years of industry experience. His prior roles include positions at Bank of America, Merrill, Sageview Advisory Group, and Cetera Advisor Networks. He is also CEO of a consulting business he founded in 2023. Cetera Investment Advisers LLC serves individual, corporate, charitable, and institutional clients through a nationwide network of independent advisors, offering a variety of portfolio management, financial planning, and retirement services. The firm utilizes a multi-manager platform with discretionary and non-discretionary options, managing over $256 billion in assets across more than 10,000 advisors.

Crystal Gomez is a financial advisor with Wells Fargo Clearing in Pleasanton, CA, holding Series 63 and Series 65 designations and 14 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and has been with Wells Fargo Bank, N.A. since 2009. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions, utilizing research from the Wells Fargo Investment Institute and applying diversification principles and modern portfolio theory.

Sherwin Coleman is a financial advisor at Cetera with 38 years of industry experience. He holds Series 63 and Series 65 designations and has prior experience at Voya Financial Advisors and as the principal of Coleman Financial Services since 1993. He also operates as an independent insurance agent. Cetera Investment Advisers LLC is an SEC-registered firm serving a diverse client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options, including model portfolios, third-party managers, and bespoke strategies, overseeing more than $256 billion in assets.

Jennifer Loyer is a financial advisor with Ameriprise in Pleasanton, CA, holding Series 66 and Series 65 designations and 17 years of industry experience. She has been with Ameriprise and its affiliates since 2000. 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, which focuses on dependable income sources and tax-aware withdrawal strategies.

Diem Tran is a financial advisor at Morgan Stanley with 16 years of industry experience. He holds the Series 63 and Series 66 designations and has been with Morgan Stanley since 2013, including a recent role at Morgan Stanley Private Bank, N.A. in Pleasanton, California. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs and tailored financial planning services supported by firm-approved tools and comprehensive planning processes.

Jenna Byrd is a financial advisor with Mass Mutual Investors Services in Pleasanton, CA, holding a Series 66 designation and two years of industry experience. She has been with MML Investors Services, LLC since 2017 and has prior experience at MassMutual Life Insurance Company and MSI Financial Services. Mass Mutual Investors Services, LLC operates as a broker-dealer and SEC-registered investment adviser offering financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides collaborative, annual financial planning engagements using firm-approved tools and offers specialized services including divorce planning and employer-sponsored planning programs.

Kevin Espinoza is a financial advisor at Merrill with a Series 66 designation and no prior industry experience. His work history includes roles at Bank of America, N.A., Merrill, STN Inc, and several other companies. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, providing model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Newton Ilawole is a financial advisor with OSAIC in Lafayette, CA, holding Series 63 and Series 66 licenses and bringing 29 years of industry experience. He has worked with Royal Alliance Associates, Inc. since 2018 and previously with Signator Investors, Inc. from 2016 to 2018. In addition to his advisory role, he has served as an associate broker agent with Spec Homes Realtors for over 20 years on a limited, non-soliciting basis. OSAIC Wealth serves a broad range of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including comprehensive financial planning and advisor-managed portfolios. The firm emphasizes model-based asset allocation and portfolio optimization, supporting various investment strategies and maintaining a complex affiliate network.

Irene Michael is a financial advisor at Morgan Stanley with 28 years of industry experience. She has been with Morgan Stanley and its affiliated entities since 2003. Outside of her advisory role, she is a hotel owner at Lovers Point Inn in Pacific Grove, CA. 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 supported by firm-approved tools and modeling techniques.

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 toward achieving their families' financial goals. William holds a Bachelor's Degree from Colgate University. He has earned multiple professional designations including Certified Private Wealth Advisor® (CPWA®), Chartered Advisor in Philanthropy® (CAP®), Retirement Management Advisor® (RMA®), and Certified Exit Planning Advisor® (CEPA®). These certifications support his comprehensive approach to wealth management and philanthropy. In addition to his professional commitments, William is involved with community organizations such as the Lazerex Cancer Foundation. He also coaches youth sports and has served in leadership roles including former Board Chair at The Athenian School and trustee for ValleyCare Hospital Foundation. William 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 Certified Financial Planner (CFP®) with 28 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously spent seven years at A. G. Edwards & Sons, Inc. He also serves as a trustee of a family trust. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to a broad range of clients, including individuals and institutions. The firm employs research-driven investment strategies and provides both brokerage and advisory solutions.

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.

Edwin Galindo is a financial advisor with Merrill in Pleasanton, CA, holding a Series 66 designation and with 7 years of industry experience. He has been with Merrill since 2002. Outside of advising, Galindo serves as a consultant for University and Student Services and is the owner and operator of a martial arts gym in Hayward, California. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

Avery Tannenbaum is a financial advisor at Osaic Wealth, Inc. based in San Ramon, CA, holding a Series 66 credential with one year of industry experience. Prior to joining Osaic, Avery worked at Equitable Advisors, LLC and Ascend Financial Group, and has a background that includes five years at Seattle University and ten years with CMG/Diversified Mortgage Group. Osaic Wealth serves a wide range of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including comprehensive financial planning and retirement plan consulting. The firm’s investment process centers on model-based asset allocation and portfolio optimization, supported by discretionary strategies and third-party manager selections.

Daschel Grammer is a CFP® professional with eight years of industry experience, currently affiliated with Raymond James Financial in San Ramon, CA. He has previously worked at Securian Financial Services Inc and American Century Investment Services, Inc. Grammer also serves as an independent contractor financial advisor at Summit Financial Group. Raymond James Financial Services Advisors, Inc. provides comprehensive financial planning, investment consulting, and advisory services for individual, high-net-worth, institutional, and charitable clients. The firm offers customized, non-discretionary planning using analytical and risk-profiling tools and supports a wide network of advisors with specialized municipal and public finance advisory services.

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. His career includes roles at Bank of America, Merrill, Morgan Stanley, Citigroup Global Markets, Wells Fargo Clearing, and Prudential Equity Group. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, combining proprietary research and model-based asset allocations to tailor financial plans. The firm integrates institutional trading capabilities with wealth management services across a broad range of investment products and capital markets activities.

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.