Yash Talreja is a Senior Financial Advisor with Merrill Lynch Wealth Management. He assists clients in managing their financial goals and aspirations, focusing on both asset and liability management to help preserve and grow wealth. His expertise encompasses financial and retirement planning, executive compensation, RSUs, college planning, small business strategies, corporate cash management, and tax-aware investments. Additionally, Yash supports clients interested in impact investing, helping them use their investments to promote social and environmental progress and equality while seeking competitive returns. He also guides qualified clients in selecting suitable alternative investments, including private real estate, private equity, and private credit through Merrill's platform. Prior to joining Merrill, Yash was a Financial Advisor at Morgan Stanley Wealth Management and has experience in the technology sector with roles at Amazon, Oracle, and PeopleSoft. He holds a bachelor's degree from the Indian Institute of Technology Delhi and a master's degree in computer engineering from the University of California, Davis. He has completed non-accredited certificate programs at the Massachusetts Institute of Technology and the University of Chicago. Yash holds the Certified Investment Management Analyst (CIMA) and Personal Investment Advisor (PIA) designations. Yash is involved with professional and community organizations including Sukarma, Asian Leadership Network, IIT Bay Area Alumni Association, and the Thyroid Cancer Survivor Association. He lives in Fremont with his wife and two daughters.

David Garcia is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 12 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously held roles at Wells Fargo Advisors LLC and Wells Fargo Bank NA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm’s advisory approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Thomas O'Neill is a financial advisor at OSAIC with 15 years of industry experience. He holds a Series 66 designation and previously worked at Lincoln Financial Advisors from 2009 to 2025. Outside of advisory services, he is also an insurance agent offering accident/health insurance, fixed/indexed annuities, long-term care insurance, and traditional life insurance products. OSAIC serves a diverse client base including individual and institutional investors, offering integrated brokerage, investment advisory services, and access to various managed account platforms. The firm employs asset-allocation tools, risk-tolerance questionnaires, and automated rebalancing to construct portfolios across multiple asset classes for discretionary or non-discretionary management.

Michelle Massey is a Wealth Management Advisor at Merrill Lynch Wealth Management, with over 20 years of experience in the industry. She specializes in a coordinated wealth management approach that aims to simplify wealth accumulation, provide protection, and plan for future generations. Her client focus areas include college education planning, corporate executive services, executive compensation, equity compensation services, family wealth management strategies, legacy planning, LGBT wealth planning, liquidity management, personal retirement planning, and philanthropic planning. Michelle holds multiple professional designations, including Accredited Asset Management Specialist (AAMS), CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). She earned both her Bachelor's and Master's degrees from the University of Phoenix. Outside of her professional responsibilities, Michelle is involved in her community through the North Pleasanton Rotary. In her spare time, she enjoys camping, hiking, gardening, and volunteering for children and veterans.

Sean Anderson is a financial advisor at Morgan Stanley in Oakland, CA, holding a Series 66 designation with one year of industry experience. Prior to joining Morgan Stanley, he worked in security services and law enforcement for several years, including a position with the California Highway Patrol. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs and financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm uses structured planning tools and a comprehensive discovery process to deliver tailored financial plans.

William King III is a Certified Financial Planner (CFP®) with 25 years of industry experience. He has worked with Wells Fargo Advisors, LLC since 2016. 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.

Undralyn Williams Reed is a financial advisor at Charles Schwab with four years of industry experience. She holds a Series 66 designation and previously worked at TIAA Kaspick from 2013 to 2022. Reed is based in Oakland, CA. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated financial planning services. The firm offers a combination of non-discretionary and discretionary investment management, supported by a multi-asset model portfolio approach and centralized operational infrastructure.

Stephen Koh is a financial advisor with Mass Mutual Investors Services in Hayward, CA, holding Series 63 and Series 65 licenses and having 39 years of industry experience. He has been with MML Investors Services Inc. and Mass Mutual Life since 2007. Outside of his advisory work, he serves as a pastor, preaching and pastoring in Fremont, CA. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, using collaborative, software-supported analyses to develop client recommendations.

Michael Devere is a financial advisor at OSAIC with 18 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Lincoln Financial Advisors Corporation, Mass Mutual Investors Services, Massachusetts Mutual Life Insurance Company, and Metlife Securities Inc. In addition to his advisory role, he is an agent offering accident, health, disability, long-term care, and traditional life insurance products along with fixed and equity-indexed annuities. OSAIC serves a wide range of retail and institutional clients, providing integrated brokerage and advisory services, financial planning, and access to multiple investment platforms and third-party money managers. The firm employs various asset-allocation tools and supports both discretionary and non-discretionary account management, offering diversified portfolios across multiple asset classes.

David Santos is a financial advisor with Wells Fargo Clearing in Castro Valley, CA, holding Series 63 and Series 65 credentials and eight years of industry experience. He has worked with Wells Fargo Clearing Services LLC since 2017 and has been associated with Wells Fargo Bank NA since 2015. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable range of investment options including insurance-related vehicles and bank deposit sweep programs.

Danny Pham is a financial advisor with Charles Schwab, holding a Series 66 designation and 27 years of industry experience. He has been with Charles Schwab since 2000 and has worked at Charles Schwab Bank 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 offers both non-discretionary investment guidance and access to discretionary separately managed accounts, supported by a centralized operational structure and multi-asset model portfolios.

Eunice Scholten is a CFP® professional with over 26 years of industry experience, currently advising clients at Edward Jones since 2006. She holds Series 63 and Series 65 licenses. Outside of her advisory role, Eunice is involved as an owner and trustee of family investment trusts holding rental properties in California and Iowa. Edward Jones is a full-service wealth management firm serving individual and institutional clients with over $1 trillion in assets under management. The firm offers a wide range of advisory programs and investment solutions supported by a national network of more than 23,000 financial advisors and over 15,000 branch offices.

Narges Kadirzada is a financial advisor at Merrill with nine years of industry experience. She holds a Series 66 designation and has previously worked at UBS Financial Services, J.P. Morgan Securities, Morgan Stanley, and Wells Fargo Advisors. 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. The firm offers model-based and discretionary strategies developed by internal teams and third-party managers, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Gurmeet Gulati is a financial advisor with Merrill based in Livermore, CA, holding a Series 66 designation and 19 years of industry experience. He has been with Merrill and its affiliate Bank of America, N.A. since 2012. Merrill, together with Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies to a range of clients including individuals, high-net-worth clients, and institutions.

Kevin Olison is a financial advisor with LPL Financial in San Ramon, CA, holding Series 63 and Series 65 credentials and 22 years of industry experience. His prior roles include positions at Grove Point Investments, LLC, Grove Point Advisors, LLC, and H. Beck, Inc. He is involved in financial planning and wealth management, including a focus on college planning strategies and caregiving support for boomers through related business activities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, and institutions. The firm offers comprehensive advisory programs and financial planning services supported by research and technology to deliver discretionary and non-discretionary portfolio management.

Bolor Erdene Nergui is a financial advisor at Merrill with a Series 66 designation. She has held positions at Merrill and Bank of America since 2025 and 2026 respectively, and previously worked at ABB LLC, Bugat Corporation, and Instacart. 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 for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Ambreen Baig is a financial advisor at Wells Fargo Clearing with four years of industry experience. She holds a Series 66 designation and has worked previously at IndusInd Bank and ICICI Bank Ltd. Baig is based in Walnut Creek, 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 advice grounded in modern portfolio theory. The firm includes a broad range of financial products, such as insurance-related vehicles and bank deposit sweep options, in its investment menus.

Russell Huebschle is a financial advisor at Morgan Stanley in Oakland, CA, holding Series 63 and Series 66 licenses with 25 years of industry experience. He has worked at Morgan Stanley since 2019, including time at Morgan Stanley Private Bank, and previously held roles at Wells Fargo Clearing and Wells Fargo Advisors. 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 uses a structured planning process supported by proprietary tools and research.

Robert Duncan Anderson is a CFP® with 19 years of industry experience, currently affiliated with Raymond James Financial Services Advisors, Inc. He previously spent 14 years at Commonwealth Financial Network. In addition to his advisory work, he serves as Treasurer and Board Member for the Danville Oaks Rugby Club, overseeing its financial policies and reporting. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base including individuals, institutions, and charitable organizations. The firm emphasizes tailored, non-discretionary planning using risk profiling and analytical modeling to support client goals.

Thu Duong is a financial advisor at Wells Fargo Clearing with 10 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Wells Fargo Clearing since 2016, following prior roles at WELLS FARGO Advisors, LLC and Wells Fargo Bank, N.A. Thu Duong also manages a rental property in San Lorenzo, CA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non‑qualified deferred compensation plans, offering both discretionary and non‑discretionary options. The firm’s advisory process is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.