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, with a focus on custom strategies and private equity opportunities. His approach involves working one-on-one with clients to develop personalized financial strategies that aim to address their long-term goals. Michael holds professional designations as a CERTIFIED FINANCIAL PLANNER (CFP) and a Certified Investment Management Analyst (CIMA). He earned a Bachelor's Degree from California State University Long Beach. His client focus areas include college education planning, executive and equity compensation services, family wealth management strategies, liquidity management, personal retirement planning, portfolio management services, tax minimization, and retirement income. Outside of his professional work, Michael participates in community service through organizations such as Amor Ministries and The San Diego Salvation Army through Mt. Carmel Parish. His personal interests include 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 five years of industry experience. She has been with Wells Fargo since 2017, including her current role at Wells Fargo Clearing since 2021. Outside of her advisory work, she is involved in a music writing venture co-owned with her spouse. 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 manages approximately $671 billion in assets and provides both brokerage and advisory solutions supported by research and analytics.

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.

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.

Jeffrey Marks is a financial advisor at Fidelity with two years of industry experience and holds a Series 66 designation. His prior work includes roles at Equitable Advisors and various educational institutions. He is part of Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios and offers a range of advisory services including model portfolios and fund advisory.

Aaron Valadez is a financial advisor at Morgan Stanley with a Series 66 designation and three years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2022 and has prior work experience spanning corporate and restaurant sectors. Morgan Stanley Wealth Management provides advisory programs to individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process utilizes structured discovery conversations and approved tools, focusing on advisory services rather than individual security recommendations.

Gary Chiang is a financial advisor with Wells Fargo Clearing in Palo Alto, CA, holding Series 63 and Series 65 credentials and 36 years of industry experience. He previously worked at Wells Fargo Investments, LLC for ten years before joining Wells Fargo Clearing in 2016. He serves as an investment committee member at The King's Academy in Sunnyvale, CA. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm offers both brokerage and advisory solutions supported by research and analytics from Wells Fargo Investment Institute and third-party databases.

Tingting Chen is a financial advisor with J.P. Morgan Securities in Palo Alto, CA, holding Series 63 and Series 66 licenses and 12 years of industry experience. Prior to joining J.P. Morgan Securities in 2024, she worked at Morgan Stanley, UBS Financial Services, and HSBC in various capacities. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory approach integrates centralized due diligence with quantitative and qualitative research and includes an ESG eligibility framework.

Rachel Lu is a financial advisor at Fidelity with four years of industry experience and holds a Series 66 designation. Her prior experience includes roles at Citigroup Inc. and Lucrative Ventures. Outside of her advisory work, she is a partner involved in bookkeeping for Mckendree Assets LLC. Fidelity’s Strategic Advisers LLC, the company she is associated with, offers a range of investment management and advisory services for retail and institutional clients, including fund advisory and model portfolio delivery. The firm utilizes a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction in its investment process.

Roberto Martinez is a financial advisor with Morgan Stanley in Menlo Park, CA, holding Series 63 and Series 65 licenses and bringing 47 years of industry experience. His career includes long tenures at Merrill and Bank of America prior to joining Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC in 2025. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and offers structured planning processes supported by firm-approved tools and analysis.

Ryan Brown is a financial advisor with Morgan Stanley, holding a Series 66 designation and 19 years of industry experience. He has been with Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2011. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets.

Jessalind Tsui is a financial advisor at Morgan Stanley in Menlo Park, CA, holding a Series 66 designation with five years of industry experience. Her career includes roles at Merrill and Bank of America before joining Morgan Stanley in 2021. She has a background of extended travel and academic positions at the University of Southern California, Chinese University of Hong Kong, and Occidental College. Morgan Stanley Wealth Management offers a broad range of advisory programs to individuals and institutions, focusing on tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services both directly and through corporate financial planning agreements.

Kelly Simms is a financial advisor at J.P. Morgan Securities with 30 years of industry experience. She holds a Series 63 designation and has worked for JPMorgan Chase Bank, N.A., J.P. Morgan Securities, Chase Investment Services Corp., and Wamu Investments, Inc. since 2006. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. The firm’s advisory process includes written asset allocation advice, investment manager and fund searches, and customized performance reporting, supported by centralized due diligence and a combination of quantitative and qualitative research.

Alan Torrey is a financial advisor at Ameriprise with 31 years of industry experience. He holds Series 63 and Series 65 designations and has been with Ameriprise since 2008. Torrey operates an S-Corp for managing his franchise expenses. Ameriprise provides retirement-income planning services primarily for clients with significant investable assets, combining research, modeling, and tax-efficient strategies to deliver tailored recommendations through a centralized consulting team.

Haiwen Ye is a financial advisor at Merrill with seven years of industry experience and holds a Series 66 designation. Ye’s career includes roles at Bank of America, N.A., Merrill, and Citigroup. 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 offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Stephen Clarke is a financial advisor with Morgan Stanley in Palo Alto, CA, holding Series 63 and Series 65 licenses and bringing 44 years of industry experience. His career includes roles at Citigroup Global Markets from 1993 to 2009, followed by positions at Morgan Stanley Smith Barney and Morgan Stanley Private Bank, National Association. He also serves as a trustee for a trust in San Carlos, California. Morgan Stanley Wealth Management offers a wide range of advisory services to individuals and institutional clients, including personalized financial planning and estate planning strategies, managing approximately $2.74 trillion in client assets. The firm employs a structured planning process using advanced modeling tools and provides both direct and employer-sponsored financial plans.

Roosevelt Kirk is a financial advisor at Wells Fargo Clearing with five years of industry experience. He holds a Series 66 designation and has previously worked at Edward Jones, Loomis Sayles, and Assetmark Financial Inc. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advice. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broader set of investment options than typical institutional advisers, such as insurance-related vehicles and bank deposit sweep programs.

James Patt is a Financial Advisor at Merrill Lynch Wealth Management. He focuses on managing new wealth, personal retirement planning, and small business strategies. James holds the designation of Personal Investment Advisor (PIA). He earned a Bachelor's Degree from Cal Poly State University San Luis Obispo. James emphasizes building trust and providing straightforward guidance to help clients create clear financial plans tailored to their goals. His approach centers on understanding clients' priorities and simplifying financial advice to support them through various stages of their financial lives.

Thomas Hunt is a financial advisor with Merrill in Palo Alto, CA, holding a Series 66 designation and 20 years of industry experience. He has been with Merrill Lynch since 2007 and previously worked at M.L. Stern & Co., LLC. 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.