Rick Haro is a financial advisor at Merrill with 18 years of industry experience. He holds a Series 66 designation and has worked at Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2008. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services 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.

Jennifer Juday is a financial advisor at Edward Jones with Series 66 credentials and one year of industry experience. Prior to joining Edward Jones, she worked at JPMorgan Chase (First Republic Bank) for four years and at Silicon Valley Bank for five years. She is based in Livermore, CA. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households, pension plans, corporate clients, and charitable organizations. The firm manages over $1 trillion in assets and offers a range of advisory programs and investment solutions through a nationwide network of financial advisors and branches.

Carolyne Charvoz is a financial advisor with MassMutual Investors Services holding a Series 66 designation and five years of industry experience. She has been with MassMutual Life Insurance Co. and its affiliated entity MML Investor Services, LLC since 2020. Prior to her current role, she was involved with Torches on the Hudson, DBA Blu Pointe, from 2017 to 2020. Carolyne also holds an outside insurance sales position as a broker specializing in life, disability, and long-term care insurance. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers ongoing, collaborative financial planning engagements using proprietary software and provides educational seminars along with specialized planning for events such as divorce and estate settlement.

Diego Contreras is Vice President and Financial Consultant. He partners with families and individuals to assist them in navigating wealth planning decisions, emphasizing attention to detail, integrity, and dedication. Diego's professional experience includes roles as a Financial Consultant at Fidelity Investments from 2019 to 2025, a Senior Financial Consultant at TD Ameritrade from 2018 to 2019, and a Financial Consultant at TD Ameritrade from 2017 to 2018. He holds a California Insurance License.

Tanner Mcmillen is a financial advisor at Fidelity with a Series 66 credential and less than one year of industry experience. His prior experience includes roles at Morgan Stanley, Giving Tree Wealth Advisors, and The Wine Group, alongside earlier positions in education and hospitality. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to a diverse client base including retail and institutional investors. The firm employs a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios and serves as a registered commodity pool operator with advisory roles for multiple registered investment companies.

Pagnchaktra Sun is a financial advisor at J.P. Morgan Securities with 9 years of industry experience. She holds Series 63 and Series 66 credentials and has worked at J.P. Morgan Securities and J.P. Morgan Chase Bank since 2017, as well as CITIBANK from 2013 to 2017. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. Their advisory approach combines quantitative and qualitative research to deliver written asset allocation advice, investment manager searches, and customized performance reporting, with clients retaining final decision-making authority.

Michael Evans is a financial advisor with Charles Schwab in Los Altos, CA, holding Series 63 and Series 66 credentials and bringing 28 years of industry experience. He has worked at Charles Schwab since 1999 and at Charles Schwab Bank since 2005. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals, offering wealth advisory, managed-account, and financial planning services through a combination of non-discretionary and discretionary investment solutions. The firm is notable for its scale, integrated service model, and multi-asset investment guidance supported by dedicated research and alternative investment programs.

David Zhou is a Financial Consultant currently working at Fidelity since 2021. He has prior experience as a Vice President Market Manager at Merrill Lynch from 2011 to 2020. His background in financial services includes advisory and management roles, which he utilizes to support his clients effectively. David holds a California Insurance License. He is interested in investing and financial planning and aims to share this knowledge with his clients to assist them. Outside of his professional work, David enjoys snowboarding, swimming, and traveling.

Elizabeth Dong is a financial advisor with Morgan Stanley in Menlo Park, California. She holds a Series 66 designation and has 12 years of industry experience. Her work history includes roles at Morgan Stanley Private Bank and Morgan Stanley since 2013. Outside of her advisory work, she owns and manages a real estate business, DJH Realty LLC. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutions. The firm provides tailored financial planning and manages approximately $2.74 trillion in client assets.

Alina Lloyd is a Private Wealth Advisor and founder of the Lloyd Khatib Group within Merrill Private Wealth Management. She provides tailored advice, proactive outreach, and forward-thinking strategies to ultra-high-net-worth entrepreneurs, executives, and their family members. Throughout her career, Alina has focused on the distinctive needs and priorities of this dynamic clientele, helping them anticipate and navigate critical decision points in their financial lives and legacies. She has particular expertise in pre- and post-liquidity event planning, cash flow analysis, trust and estate planning services, and facilitating access to customized lending through Bank of America. Alina has worked in private banking and wealth management since 2003. Prior to joining Merrill, she held similar roles at Wells Fargo Private Bank and J.P. Morgan Private Bank, serving ultra-high-net-worth clients across San Francisco, Los Angeles, and Houston. She holds a Bachelor’s degree in Finance from the University of Houston, graduating Summa Cum Laude, and an MBA with Honors from the University of California, Los Angeles. She is a CERTIFIED FINANCIAL PLANNER (CFP) and a Personal Investment Advisor (PIA). Alina serves as Chair of the Board at StarVista, a Bay Area nonprofit providing community outreach and social services to children, young adults, and families, and she participates on its Executive and Fundraising Committees. She is also a co-founder of Women in Technology & Finance, a networking organization supporting Silicon Valley women in venture capital, finance, and technology. Alina resides in San Carlos with her husband and two daughters. Her personal interests include cooking, hiking, music, reading, tennis, watching movies, and yoga.

Susan Brauner is a financial advisor at OSAIC with 44 years of industry experience. She holds a Series 63 designation and has worked previously at Securities America Advisors Inc and Securities America Inc, as well as operating The Brauner Company. Brauner is also involved as a co-trustee of The Brauner Company Profit Sharing Plan. OSAIC Wealth serves a diverse range of clients including individual investors, retirement plans, charities, and corporations through a multi-advisor platform offering brokerage and advisory services. The firm utilizes model-based asset allocation and portfolio optimization tools, supporting various investment programs delivered via affiliated broker-dealer and RIA relationships.

Angelita Kamholz is a financial advisor with Wells Fargo Clearing in Hayward, CA, holding Series 63 and Series 65 licenses and bringing 13 years of industry experience. She has been with Wells Fargo Clearing since 2016 and has worked with Wells Fargo Bank NA since 2013. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with a range of services including investment advisory, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and combines brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Xiang Li is a financial advisor at J.P. Morgan Securities with seven years of industry experience. He holds Series 63 and Series 66 credentials and has worked at JPMorgan Chase Bank, N.A. and First Republic Bank. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, offering non-discretionary, written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process includes centralized due diligence supported by quantitative and qualitative research, with a focus on eligible strategies and ESG considerations.

Juan Garcia is a financial advisor with J.P. Morgan Securities in Menlo Park, CA, holding Series 63 and Series 66 licenses and bringing 15 years of industry experience. He has been with J.P. Morgan Securities since 2013 and has been affiliated with JPMorgan Chase Bank, NA since 2008. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The firm combines quantitative and qualitative research in its advisory process and offers specialized regulatory registrations and broader derivatives and commodities capabilities.

Shereen Louka is a financial advisor with J.P. Morgan Securities in Livermore, CA, holding Series 63 and Series 66 designations and 7 years of industry experience. She has been with J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2014. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. Their advisory process combines quantitative and qualitative research to deliver written asset allocation advice, investment manager searches, and customized performance reporting.

Steven Eggers is a financial advisor at Morgan Stanley with 17 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley Smith Barney and Morgan Stanley Private Bank since 2010 and 2015, respectively. Outside of advising, he owns and manages a rental property with his wife. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm employs a structured planning process that includes firm-approved tools and scenario modeling but typically does not offer individual security recommendations as part of standalone planning.

Gabriel Wright is a financial advisor at Edward Jones in Livermore, CA, holding a Series 66 designation with two years of industry experience. Prior to joining Edward Jones in 2024, he worked at Univar Solutions, Dollar Tree, and PG&E. 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 nationwide network of financial advisors and branch offices.

Fadela Hamidat is currently a Planning Consultant at Fidelity Investments, a role she has held since 2026. She brings a client-focused approach to her work, emphasizing understanding individual needs and providing thoughtful planning support to help clients realize their future visions. Her professional experience includes positions as an Investment Consultant at Charles Schwab from 2025 to 2026, Private Client Banker at JP Morgan Chase from 2021 to 2025, and Relationship Banker at JP Morgan Chase from 2019 to 2021. This background has equipped her with insights across various facets of financial planning and client relationship management. Fadela holds a California Insurance License. Outside of her professional interests, she enjoys activities such as hiking, traveling, and exploring culinary experiences.

Tjindiwati Suttio is a financial advisor with Morgan Stanley in Pleasanton, CA, holding a Series 66 designation and 23 years of industry experience. She has been with Morgan Stanley since 2010. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and financial planning services that utilize structured discovery processes and firm-approved tools to model financial outcomes.

Jeffrey Minamide is a financial advisor with Morgan Stanley in Pleasanton, CA, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2015 and with Morgan Stanley Smith Barney LLC since 2009. Outside of his advisory role, he serves as a board member of the Southern Alameda Buddhist Church. Morgan Stanley Wealth Management provides advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm uses structured planning tools and a disciplined investment process but generally acts in an advisory capacity for retirement accounts unless specifically engaged otherwise.