Raoul Guillarte is a Wealth Management Advisor with Merrill Lynch Wealth Management. In this role, he tailors wealth management strategies to a select number of clients based on their individual goals. He leverages the resources of Merrill Lynch and the banking services of Bank of America to support clients' financial needs. Raoul's expertise encompasses education planning, managing new wealth, personal retirement planning, women and wealth, tax minimization, and retirement income. He earned the Certified Private Wealth Advisor® (CPWA®) designation in 2021 through the Investments and Wealth Institute® and Yale School of Management, which focuses on addressing the complex needs of high net worth clients. He holds a Bachelor of Arts degree from the University of California, Davis, and a Juris Doctorate from the San Francisco School of Law. In his personal time, Raoul enjoys spending time with his wife and daughter and follows sports closely, particularly teams from his hometown of Chicago, including the Bears, Bulls, and Cubs.

Aaron Moore is a financial advisor with LPL Financial in San Mateo, CA, holding a Series 66 credential and nine years of industry experience. He has worked at LPL Financial since 2020 and previously at Securian Financial Services Inc. and Minnesota Life from 2016 to 2020. Moore is also associated with SGC Financial and SageCrest Wealth Management as part of his business activities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Kimbrely Gruidl is a financial advisor with LPL Financial in Fremont, CA, holding Series 63 and Series 66 licenses and bringing 13 years of industry experience. Her prior roles include positions at U.S. Bank and U.S. Bancorp Investments, and she has operated as a self-employed professional since 2005. She is also a Notary Public in Livermore, CA. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual, institutional, and corporate clients through a national network of investment adviser representatives. The firm offers a broad range of advisory and financial planning services, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Deepak Ganju is a Senior Financial Advisor with Merrill Lynch Wealth Management. He specializes in providing personalized wealth management strategies that align with clients’ unique financial goals and life priorities. Drawing on the investment insights from Merrill Lynch strategists and the banking services of Bank of America, he supports clients in areas including retirement planning, family wealth management, education planning, international wealth management, and investment consulting for defined benefit and contribution plans. Deepak holds an MBA from California State University, San Francisco, and a Bachelor's degree from the University of Phoenix. He carries the Personal Investment Advisor (PIA) designation and communicates fluently in English and Hindi. Beyond his professional role, Deepak contributes to his community through involvement with the Kiwanis Club, the Indo American Community Federation, and immigrant services within the Indo American community. His approach centers on developing risk-averse, tax-efficient financial strategies to help clients preserve and build wealth in a manner that supports their long-term objectives. Deepak’s client focus spans a range of financial planning needs, and he emphasizes working closely with clients to create flexible plans that adapt to changing market conditions.

Lauren Gershon is a financial advisor at Fidelity with a Series 66 designation and six years of industry experience. Her career includes roles at Fidelity Investments, FIDELITY Brokerage Services LLC, TD Ameritrade, and TD Bank. Fidelity's Strategic Advisers LLC, where she is based, provides investment management and advisory services to retail and institutional clients. The firm employs a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios and offers advisory services including fund management and consulting.

Mark Hersman is a financial advisor with Charles Schwab in Oakland, CA, holding Series 66 and Series 63 credentials and 36 years of industry experience. He has worked with Charles Schwab since 1994, including roles at Charles Schwab Bank, SSB, and has been involved with Growth Capital Services, Inc., Mazakali LLC, and Portman Enterprises LLC throughout his career. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a combination of non-discretionary and discretionary investment management with multi-asset model portfolios and access to alternative investments. The firm’s large scale and integrated structure provide centralized supervisory, custody, and order-routing services to a broad client base.

Robert Haeusslein is a Wealth Management Advisor with Merrill Lynch Wealth Management, bringing 38 years of experience to his role. Since joining Merrill in July 1984, he has focused primarily on serving high net worth individuals, offering expertise in areas such as college education planning, divorce transition planning, family wealth management strategies, legacy planning, personal retirement planning, philanthropic planning, portfolio management, special needs planning strategies, tax minimization, and retirement income. He holds several professional designations, including CERTIFIED FINANCIAL PLANNER® (CFP), Certified Investment Management Analyst® (CIMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). His educational background includes a High School Diploma from Hillsdale High School. Outside of his professional work, Robert enjoys a variety of personal interests, including baseball, basketball, boating, fishing, football, gardening, golfing, reading, spending time with his family, and tennis.

Antonio Accardo is a financial advisor with Mass Mutual Investors Services in Pleasanton, CA, holding Series 63 and Series 65 credentials and bringing 18 years of industry experience. He has worked at MML Investors Services, Inc. and Mass Mutual Financial Group since 2008. Additionally, he has been involved with Villa Romana Inc. since 1992. Mass Mutual 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 emphasizes collaborative, annual financial planning relationships and offers specialized programs including divorce planning and event-driven services such as estate settlement and employer-sponsored planning.

Kai Li is a Financial Consultant currently affiliated with Fidelity Investments since 2022. In this role, Kai provides comprehensive guidance throughout the financial planning process, working closely with clients to understand their objectives and develop long-term strategies tailored to their unique circumstances. Kai has over a decade of experience in financial services, including previous positions as Vice President and Financial Solutions Advisor at Merrill from 2017 to 2022, Senior Relationship Manager at Bank of America from 2013 to 2017, and Wealth Management Advisor at China Merchants Bank from 2010 to 2012. This extensive background supports Kai's expertise in delivering disciplined and thoughtful financial strategies. Kai holds a CA Insurance License and is a Certified Financial Planner (CFP4) professional.

Kenny Heller is a Financial Advisor with Merrill Lynch Wealth Management. He provides financial guidance tailored to clients' goals, priorities, and concerns, focusing on strategies for investing, retirement planning, liquidity needs, and managing unexpected events. Kenny connects clients with Bank of America specialists for services such as banking, credit, home financing, and small business solutions, adjusting strategies as clients' circumstances evolve. His areas of expertise include equity compensation services, LGBT wealth planning, liquidity management, personal retirement planning, portfolio management services, tax minimization, and retirement income. Kenny holds a Personal Investment Advisor (PIA) designation and earned a Bachelor of Science degree in Justice Studies from San Jose State University. Outside of his professional work, Kenny enjoys adventure sports, biking, boating, fishing, gardening, hiking, photography, reading, skiing, and traveling.

Yvan Fung is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has over 12 years of experience in finance, including wealth management, loans, and real estate. Yvan works with a range of clients including individuals, families, small businesses, and large corporations, focusing on identifying and defining their financial goals and objectives to create customized wealth management strategies. He holds the Personal Investment Advisor (PIA) designation and earned his bachelor's degree from the University of California, Berkeley. Yvan emphasizes an interactive relationship with his clients to help them prioritize and pursue the financial goals that matter most to them. Outside of his professional work, Yvan is involved with community nonprofit organizations and regularly participates in youth programs in the Bay Area. He is connected with groups such as the Asian Youth Service committee, Cal Martial Art Program, and Wa Sung Community Service. Additionally, he contributes to martial arts events nationwide by managing and judging tournaments.

Virgil Threlkeld is a financial advisor with LPL Financial in Alamo, CA, holding Series 63 and Series 65 licenses and with 29 years of industry experience. He has been associated with Advantage Wealth Advisors and LPL Financial since 2015. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a diverse client base including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services, providing both discretionary and non-discretionary management supported by research and model portfolios.

Patrick Mc Ginty is a financial advisor at Morgan Stanley with a Series 66 credential and three years of industry experience. He has worked at Morgan Stanley since 2023, including a role at Morgan Stanley Private Bank, N.A. since 2025. His prior experience includes positions at First Republic Securities Company, LLC and First Republic Investment Management, Inc. Morgan Stanley Wealth Management serves both individual and institutional clients by offering a range of advisory programs and tailored financial planning. The firm employs a structured planning process utilizing firm-approved tools and models to assist clients in managing approximately $2.74 trillion in assets.

Dina Hall is a financial advisor with UBS Financial Services in San Mateo, CA, holding a Series 63 designation and over 38 years of industry experience. She has been with UBS since 1987. In addition to her advisory role, she serves as a co-trustee for a family trust, managing estate affairs and making investment decisions. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management and offers a broad range of products and research to tailor investment strategies to clients’ goals and risk tolerances.

Benjamin Lam is a financial advisor at UBS Financial Services with 43 years of industry experience. He holds Series 63 and Series 65 credentials and has been with UBS since 2016. Lam jointly owns several rental properties with his spouse, though he does not participate in their management. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining proprietary asset allocation models and research to tailor plans to clients’ goals. The firm integrates institutional trading capabilities with wealth management and provides a broad range of financial services including fee-based planning, portfolio management, and capital markets support.

Alina Mihai is a financial advisor at J.P. Morgan Securities with five years of industry experience. She holds Series 63 and Series 66 registrations. Her career includes multiple roles within J.P. Morgan Securities and JPMorgan Chase Bank, N.A. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework. The firm operates within the broader J.P. Morgan organization and offers a range of products through an internal review process.

Ricky Siu is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 13 years of industry experience. He has worked with Wells Fargo in various capacities since 2013, including roles at Wells Fargo Advisors LLC and Wells Fargo Bank NA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broader range of financial products, such as insurance-related vehicles and bank deposit sweep options.

Robby Engeldinger is a financial advisor at Wells Fargo Clearing with nine years of industry experience. He holds Series 66 and Series 63 licenses and has worked at several firms, including LPL Financial, BMO Bank NA, and Bank of America. Outside of his advisory role, he is a co-owner of a rental property in Arnold, California. Wells Fargo Advisors is a national securities firm offering investment advisory, financial planning, and retirement plan consulting services to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Ron Freund is a financial advisor with LPL Financial in Emeryville, CA, holding a Series 63 designation and over 42 years of industry experience. His prior experience includes nearly three decades with The Social Equity Group, as well as roles at Western International Securities, Inc. and Financial West Group. Freund also provides research services to The Social Equity Group, an independent registered investment advisor. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a broad network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, retirement plan consulting, and brokerage services.

William Thaddius La Rue is a financial advisor at Edelman Financial Engines with 15 years of industry experience. His prior roles include tenures at Fisher Investments and TIAA-CREF. He holds Series 65 and Series 63 licenses. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm uses a committee-driven, proprietary modeling process combined with planner delivery and online tools, emphasizing diversified model portfolios, periodic rebalancing, and long-term strategies.