Michael Khaw is a Wealth Management Advisor at Merrill Lynch Wealth Management with 23 years of experience in wealth planning. He assists clients with wealth accumulation and distribution, focusing on tax efficiency to enhance return on investments. His areas of expertise include family wealth management strategies, liquidity management, managing new wealth, personal retirement planning, portfolio management services, socially responsible and ESG investing, tax minimization, and retirement income. Michael holds a Bachelor of Science degree from San Diego State University, where he majored in Biology and minored in Finance. He is a Chartered Financial Analyst® (CFA) charterholder and a CERTIFIED FINANCIAL PLANNER® (CFP) professional. He is also a Personal Investment Advisor (PIA). Michael has been married for 28 years to his wife Jennifer, who holds a PhD in Clinical Social Work and is an adjunct professor. They have two daughters, Lauryn, who began attending Duke Law in Fall 2022, and Jessica, who is a sophomore at the University of California, Santa Barbara. Michael and his wife are adjusting to life as empty nesters and enjoy traveling. He also has personal interests in biking, billiards, chess, hiking, racquetball, woodworking, yoga, and recently started playing pickleball and bocce.

Travis Tam is a CFP® professional with 21 years of experience in the financial services industry. He has been with Wells Fargo Clearing since 2016 and previously worked at Equitable Advisors for 11 years. He is based in Walnut Creek, CA. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, including pension and charitable organizations. The firm offers a range of advisory services, financial planning, and retirement plan consulting, utilizing research and analytics from Wells Fargo Investment Institute and third-party sources.

Monu Ahluwalia is a financial advisor at J.P. Morgan Securities with 21 years of industry experience. He holds Series 63 and Series 66 licenses and has been with JPMorgan Chase Bank and J.P. Morgan Securities since 2009. 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 searches, and customized performance reporting. Their advisory process combines quantitative screens and qualitative research to build model asset allocations and incorporates an ESG eligibility framework in its recommendations.

Jason Martin is a financial advisor with Wells Fargo Advisors in Brentwood, CA, holding a Series 66 designation and 17 years of industry experience. His prior roles include positions at Wells Fargo Clearing, Waddell & Reed, and Morgan Stanley & Co. LLC. Outside of his advisory work, Martin has ownership in a portfolio management business, Martin Financial Group Inc. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that offers investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services, including niche areas such as business-owner transition and special-needs analysis, using proprietary research and planning tools.

Chelsie Lui is a financial advisor at Fidelity with a Series 66 designation and two years of industry experience. Prior to joining Fidelity, she held roles at Meta, Burberry, and other companies across various sectors. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a range of clients, including retail and institutional investors. The firm employs a systematic investment process combining fundamental research, quantitative analysis, and algorithmic portfolio construction, and it maintains formal advisory roles with multiple registered investment companies.

Ian Epstein is a financial advisor at Fisher Investments with 22 years of industry experience. He holds the Series 65 designation and has been with Fisher Investments since 2004. Fisher Investments serves a global mix of institutional and private clients, including pension plans, foundations, and high-net-worth individuals, providing discretionary portfolio management across various asset classes. The firm uses a centralized investment process combining quantitative and qualitative research to construct diversified portfolios and offers sub-advisory and retirement plan services.

Mick Rognlien is a Wealth Management Advisor at Merrill Lynch Wealth Management in Walnut Creek, California, where he has served since 2011. He works closely with individuals and families who are growing their wealth and managing demanding careers, providing collaboration and accountability to help them achieve their financial goals. Mick's approach involves full transparency and purposeful conversations tailored to each client's unique situation. Mick began his career in financial services in 1998. He holds the Certified Financial Planner (CFP) designation, the Chartered Retirement Planning Counselor (CRPC) designation, and is a Personal Investment Advisor (PIA). He earned a Bachelor's degree from San Diego State University and a Master's degree from Saint Mary's College of California. In addition to his professional work, Mick is involved in youth coaching as part of his community activities.

Hana Redzic is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. She has worked at Bank of America, N.A. since 2022 and joined Merrill in 2020. Outside of financial advising, she owns a photography and social media business called Maass Photography. 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 a range of model-based and discretionary strategies and serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Benjamin Hearnsberger is a CFP® professional with 19 years of industry experience. He is currently with Wells Fargo Clearing and has held positions at Bank of America, Merrill, and Destinational Wealth Management. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm utilizes research from Wells Fargo Investment Institute and third-party sources, applying diversification principles and modern portfolio theory in its investment evaluations.

Marc Larhette is a CFP® professional with 36 years of industry experience. He is currently with Osaic and previously worked at Woodbury Financial for 17 years and Equitable Advisors for 2 years. Larhette serves as chair of the education committee for the International Society of Certified Employee Benefits and holds officer and ownership roles in employee benefits firms. Osaic Wealth serves a diverse client base—including individual investors, retirement plan sponsors, charities, and corporate clients—through a multi-advisor platform offering brokerage and advisory services. The firm emphasizes model-based asset allocation and portfolio optimization and is notable for its scale, recent consolidation, and complex affiliate network.

Jiaze Li is a financial advisor at J.P. Morgan Securities with eight years of industry experience. He holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities, JPMorgan Chase Bank, and HSBC Securities (USA) Inc. Prior to his financial services career, he worked as an Accounting Principal at Sephora/Adecco NA. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research supported by a centralized due diligence team and includes broader derivatives and commodities capabilities.

Jason Selzer is a financial advisor with Cambridge Investment Research Advisors and holds a Series 66 designation. He has 12 years of industry experience, including prior roles at Morgan Stanley, Merrill Lynch, Bank of America, and LPL Financial. Outside of his advisory work, he owns and operates an online T-shirt and figure head sales business called Cottn Stuff. Cambridge Investment Research Advisors serves individual and institutional clients through financial planning, investment management, and retirement-plan advisory services, managing a multi-billion dollar asset base across multiple platforms and custodians.

Craig Rochin is a financial advisor with LPL Financial in Walnut Creek, CA, holding Series 63 and Series 66 licenses and bringing 31 years of industry experience. He has been with LPL Financial since 2009 and previously worked at FSC Securities Corporation. He also provides clients with life insurance through Flight Financial Group, an affiliated non-variable insurance business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory services including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by a large network of advisors and proprietary research tools.

Caroline Cherezian is a CFP® and holds a Series 66 license with 12 years of industry experience. She has been with UBS Financial Services in Walnut Creek, CA since 2013. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning, portfolio management, and access to mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and delivers advisory work using proprietary research and model-based asset allocations tailored to clients’ goals and risk tolerances.

Timothy White is a financial advisor with UBS Financial Services in Dublin, CA, holding Series 63 and Series 65 licenses and 14 years of industry experience. He has previously worked with firms including Morgan Stanley, Guardian Life Insurance Company, and Wells Fargo Advisors. Outside of his advisory work, Timothy co-owns Hidden Apex LLC, a digital marketing and media company he operates with his wife. 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, utilizing proprietary research and model-based asset allocations to tailor strategies to clients’ goals and risk tolerances.

Catherine Bradford is a financial advisor with Cetera, holding the CFP® designation and Series 63 and 65 licenses, and has 27 years of industry experience. She has worked at Cetera and its affiliated entities since 2020 and previously spent five years at TIAA-CREF. She also teaches certified financial planning courses as an instructor at UC Berkeley Extension. Cetera Investment Advisers LLC is an SEC-registered adviser serving individual, corporate, charitable, and institutional clients through a large nationwide network of independent advisors. The firm offers a range of portfolio management, financial planning, and retirement services using a multi-manager platform with options including model portfolios, third-party managers, and bespoke strategies.

Ming Chen is a financial advisor with Charles Schwab in Walnut Creek, CA, holding a Series 66 designation and 21 years of industry experience. He has been with Charles Schwab since 2007. Outside of his advisory role, he owns and manages several rental properties in California and Nevada. Charles Schwab 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 combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and employs a multi-asset, model portfolio investment approach.

George Noceti is a financial advisor with Morgan Stanley in Walnut Creek, CA, holding a Series 66 designation and over 21 years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2007, including Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Outside of his advisory role, Mr. Noceti serves as an auctioneer for charity events. Morgan Stanley Wealth Management provides comprehensive financial advisory and planning services to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s approach includes structured financial planning tools and investment modeling, serving clients through a range of programs without providing individual security recommendations in standalone plans.

Hisashi Sano is a financial advisor at LPL Enterprise with 14 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Prudential Insurance Company of America and Pruco Securities, LLC. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth investors, employer-sponsored retirement plans, and charitable entities. The firm uses model-driven investment implementation and offers access to third-party asset managers, financial planning, and insurance products through affiliated entities.

Thomas Morris is a financial advisor at Morgan Stanley with 10 years of industry experience. He holds the Series 66 designation and has worked at Morgan Stanley Private Bank, N.A. since 2024 and Morgan Stanley Smith Barney LLC since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a range of advisory programs, including tailored financial planning, and manages approximately $2.74 trillion in client assets.