Maria Laguna is a financial advisor at Wells Fargo Clearing with 11 years of industry experience. She holds Series 63 and Series 65 designations and has been with Wells Fargo Clearing since 2016, following two years at Wells Fargo Advisors LLC. She has also been associated with Wells Fargo Bank NA since 1999. 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 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.

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.

Sarah Delaney is a financial advisor with Morgan Stanley in Palo Alto, CA, holding Series 63 and Series 65 licenses and bringing 10 years of industry experience. She previously worked at Merrill from 2014 to 2022 before joining Morgan Stanley in 2022. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by structured discovery processes and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and provides services through both direct client relationships and corporate agreements.

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 towards their families' financial goals. He holds a Bachelor's Degree from Colgate University. William has earned professional designations including Certified Private Wealth Advisor (CPWA), Chartered Advisor in Philanthropy (CAP), Certified Exit Planning Advisor (CEPA), and Retirement Management Advisor (RMA). These credentials support his comprehensive approach to wealth management, integrating advanced strategies in retirement, philanthropy, and business exit planning. William is involved in several community activities, including serving with the Lazerex Cancer Foundation and coaching youth sports such as lacrosse and at St. Isidore School. He has held leadership roles as the former Board Chair of The Athenian School and as a former Trustee of the ValleyCare Hospital Foundation. He 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.

Hilary P. Jones is a Senior Financial Advisor and Vice President with Merrill Lynch Wealth Management. She specializes in assisting individuals, families, and small institutions in achieving their financial goals through strategic planning and ongoing monitoring. Ms. Jones offers expertise in areas including college education planning, retirement planning, portfolio management, socially responsible investing, and wealth transfer among generations. Her approach combines traditional investment advice with customized strategies utilizing Merrill Lynch Wealth Management resources and approved third-party managers. With a career beginning at AG Edwards followed by joining Merrill Lynch in 2004, Ms. Jones brings a breadth of life and professional experience to her advisory role. Prior to her financial services career, she held positions in human resources and higher education administration. She holds a Bachelor’s and Master’s degree in Asian Studies from the University of California, Berkeley. Ms. Jones holds the Personal Investment Advisor (PIA) designation. Ms. Jones is active in her local community in Palo Alto, serving as President of the Association for Senior Day Health and participating in organizations such as the Foothills Club, Kappa Kappa Gamma Sorority, and Palo Alto Woman's Club. She maintains a client-centered philosophy emphasizing long-term relationships and personalized financial strategies to help individuals pursue their goals.

Michael McGrath is a CFP® with 28 years of industry experience, currently serving at Wells Fargo Clearing since 2016. He previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, he acts as a trustee for a family trust. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment services. The firm’s process is IPS-driven and includes a range of financial products such as insurance-related vehicles and bank deposit sweep options.

Juan Rojas is a financial advisor with Raymond James Financial, holding Series 63 and Series 66 designations and bringing 24 years of industry experience. He has been with Raymond James Financial Services Advisors, Inc. since 2012 and previously worked at First Tech Federal Credit Union. Outside of his advisory role, he is involved with Phases Financial Group, a multi-member LLC, where he serves as a financial advisor. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, pension plans, corporations, and institutions. The firm offers tailored, non-discretionary consulting using analytical tools and supports a broad network of advisors, with specialized capabilities in municipal finance and employer advisory services.

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.

Eve Meyer is a financial advisor with Primerica Advisors in Fremont, CA, holding Series 63 and Series 65 licenses and over 31 years of industry experience. She has been with Primerica Advisors since 1994 and also works with Esmff since 2000. Her outside activities include part-time referrals for home security and automation products through Primerica Client Services, Inc. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, providing model-delivery strategies and discretionary separately managed account options primarily for individual and high-net-worth clients. The firm curates third-party asset managers and employs a tiered wrap-fee structure while delegating model implementation to BNY Mellon Advisors.

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.

Robert Ha is a financial advisor at Wells Fargo Clearing in Palo Alto, CA, holding Series 63 and Series 66 designations. He has experience with several financial institutions, including Silicon Valley Bank and First Republic Bank. 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 combines research from Wells Fargo Investment Institute with third-party analytics and uses diversification principles and modern portfolio theory in its investment evaluations.

David Enemark is a financial advisor with Morgan Stanley in Palo Alto, CA, holding a Series 66 designation and over 21 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2009 and Morgan Stanley Private Bank, National Association since 2015. Outside of his financial advisory role, he is involved with the Trek Dirt Series, a recreational contracting business based in Canada. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and investment advisory services. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and committee-driven market outlooks to support its advisory programs.

Jen Wei Chi is a financial advisor with Morgan Stanley, holding Series 63 and Series 66 designations and bringing 32 years of industry experience. She has worked at Morgan Stanley Private Bank, N.A. since 2015 and with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management serves both individual and institutional clients with a range of advisory programs, including tailored financial planning delivered through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and modeling techniques as part of its financial planning process.

Michael Rinaldi is a Wealth Management Advisor with Merrill Lynch Wealth Management based in Silicon Valley. He specializes in personal investment and wealth management planning for high-net-worth clients. Michael focuses on creating custom strategies and providing access to private equity opportunities, tailoring solutions to meet each client's unique financial goals and objectives. He holds a Bachelor's Degree from California State University Long Beach and maintains professional designations including CERTIFIED FINANCIAL PLANNER (CFP), Certified Investment Management Analyst (CIMA), and Personal Investment Advisor (PIA). His areas of expertise include college education planning, executive and equity compensation services, family wealth management strategies, liquidity management, retirement planning, portfolio management, tax minimization, and retirement income. Michael is involved in community service through organizations such as Amor Ministries and The San Diego Salvation Army via Mt. Carmel Parish. Outside of his professional work, he enjoys adventure sports, basketball, football, golfing, music, reading, spending time with his family, and traveling.

Melissa Sutikto is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and four years of industry experience. She has been with Wells Fargo Clearing since 2021 and previously worked at Wells Fargo Bank, N.A. Outside of finance, she co-owns Iris Music, a music writing business, with her spouse. Wells Fargo Advisors is a national securities firm offering investment advisory, financial planning, and retirement consulting services to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party databases.

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.

Kelsey Wheaton is the Vice President and Branch Leader at Fidelity Investments, overseeing the Dublin branch. In this role, she leads a team of Financial Professionals to provide client services and support their professional development. Kelsey has been with Fidelity Investments since 2015, progressing through various roles including Financial Representative, Relationship Manager, Senior Relationship Manager, Financial Consultant, and Assistant Branch Leader before her current position. Prior to Fidelity, she worked as a Flagship Client Service Associate at The Vanguard Group. She holds a California Insurance License.

Reeve Ghiass is a financial advisor with Merrill in Palo Alto, CA, holding a Series 66 designation and three years of industry experience. Prior to joining Merrill in 2024, he worked at Morgan Stanley from 2021 to 2023, U.S. Bancorp in 2020-2021, Comerica Bank in 2019, and has experience outside finance including a role at See's Candies and a period dedicated to extended travel and self-studies. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Qian Ma is a financial advisor at Merrill with seven years of industry experience. She holds a Series 66 designation and has been with Bank of America and Merrill since 2013. 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, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.