Kevin Espinoza is a financial advisor at Merrill with a Series 66 designation and no prior industry experience. His work history includes roles at Bank of America, N.A., Merrill, STN Inc, and several other companies. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, providing model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

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.

Marina Strasser is a CFP® with five years of industry experience, currently affiliated with Charles Schwab in Los Altos, CA. Her work history includes multiple roles at Charles Schwab & Co., Inc. and Charles Schwab Bank, SSB. Outside of financial services, she owns an investment property that she plans to rent out beginning in December 2025. Charles Schwab serves a large client base of 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 offers both non-discretionary and discretionary investment solutions, supported by multi-asset model portfolios and research from the Schwab Center for Financial Research.

Hilary P. Jones is a Senior Financial Advisor and First Vice President with Merrill Lynch Wealth Management. She primarily serves individuals, families, and small institutions, helping them achieve their financial goals through strategic development and ongoing management. Ms. Jones incorporates her personal experience with saving for college, retirement planning, elder care, wealth transfer, and divorce into her client services. She has been with Merrill Lynch since 2004 and previously worked as a Financial Advisor at AG Edwards. Before her career in financial advising, she held roles managing Human Resource departments at Hewlett Packard and Agilent, and served as Dean of Admissions at a private college in northern California. Ms. Jones earned both her Bachelor's and Master's degrees in Asian Studies from the University of California at Berkeley. She holds the Personal Investment Advisor (PIA) designation. Her investment philosophy is informed by a long-term market perspective and a family tradition of commitment to client relationships, spanning three generations. She focuses on combining traditional investments with Merrill Lynch Wealth Management strategies and approved third-party portfolios, with a particular interest in retirement issues affecting the Baby Boom generation. Outside of her professional work, Ms. Jones is active in the Palo Alto community. She serves as President of the Association for Senior Day Health and is involved with various local organizations including the Foothills Club, Kappa Kappa Gamma Sorority, and the Palo Alto Woman's Club.

Esfandiar Zartoshty is a financial advisor with LPL Financial in Foster City, CA, holding Series 63 and Series 65 licenses and bringing 10 years of industry experience. His prior roles include positions at Mass Mutual Pacific and Vector Insurance. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering a wide range of advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides financial planning and asset management solutions through its network of investment adviser representatives, utilizing model portfolios and customized strategies supported by proprietary research and technology tools.

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.

Scott Morris is a CFP® and Series 66 licensed advisor with 19 years of industry experience. He has worked at Osaic since 2025 and previously spent 18 years with Lincoln Financial Advisors. In addition to his advisory role, he offers fixed and indexed annuities as well as traditional life insurance. Osaic Wealth serves a broad mix of retail and institutional clients through a multi-advisor platform, offering brokerage and advisory services that include comprehensive financial planning, managed portfolios, and retirement plan consulting. The firm’s investment approach uses model-based asset allocation and portfolio optimization with options for discretionary strategies and third-party manager selection.

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.

Jane Khalaf is a CFP® with 16 years of industry experience. She is currently with LPL Financial and has previously worked at Edward Jones and UBS Financial Services. Her background includes advisory roles across major financial firms. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

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 in Palo Alto, CA, holding Series 63 and Series 66 registrations and bringing 33 years of industry experience. Her career includes roles at several Morgan Stanley entities since 2006 and a prior position at Charles Schwab. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs including tailored financial planning supported by firm-approved tools and modeling techniques.

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.

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.

Ravindranath Gondipalli is a financial advisor with Cambridge Investment Research Advisors, holding Series 65 and Series 63 licenses and possessing 18 years of industry experience. He has been with Cambridge Investment Research Advisors since 2014. Outside of his advisory role, he is involved in several business activities including serving as CEO and founder of Ravi Tax Preparation Services Inc., working as a realtor and mortgage loan originator, and acting as CFO and founder of Gnansoft Inc., a software consulting firm. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension plans, and charitable organizations by providing financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm operates through thousands of financial professionals and manages a multi-billion dollar asset base across multiple platforms and custodians.

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.

Chun Yeung Tsang is a financial advisor at Fidelity with Series 63 and Series 66 credentials and one year of industry experience. Prior to joining Fidelity, Tsang held roles at NYLife Securities LLC and New York Life Insurance Company. Outside of finance, Tsang previously worked with Automata Arts and Angeles Academy of Music. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors, utilizing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its use of systematic methodologies and delegation to sub-advisers, as well as its advisory roles with registered investment companies and delivery of model portfolios for Fidelity Institutional Wealth Adviser.

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.

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.