Todd Bergstrom is a CFP® professional with 17 years of industry experience, currently serving at Edward Jones since 2009. He holds the Series 66 designation and is based in Cupertino, CA. Outside of his advisory role, he is the managing partner of TMB, LLC, an LLC registered in California. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Quoc Pham is a Wealth Management Advisor at Merrill Lynch Wealth Management, specializing in helping high net worth individuals and families build customized financial strategies. His expertise includes executive compensation, equity compensation services, family wealth management strategies, legacy planning, liquidity management, personal retirement planning, philanthropic planning, portfolio management services, and tax minimization. He holds a Bachelor's Degree from Santa Clara University and is a CERTIFIED FINANCIAL PLANNER™ (CFP®) with additional FINRA registrations including Series 7, 66, and 31. Quoc has held financial advisor roles with Morgan Stanley Smith Barney and Smith Barney Citigroup Global Markets, Inc. before joining Merrill Lynch. Quoc and his family reside in the Bay Area where they volunteer in their local communities and charities. He enjoys a variety of personal interests including baseball, basketball, chess, football, gardening, golfing, running, swimming, table tennis, and spending time with his family.

Marc Rogers is a financial advisor at Wells Fargo Clearing with 43 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Wells Fargo Clearing since 2016, following six years at Wells Fargo Advisors LLC. Outside of advisory work, he is a screenwriter involved in script writing and attempts to sell scripts. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broad range of financial products, such as insurance-related vehicles and bank deposit sweep options.

Joseph Lawrence is a financial advisor with Wells Fargo Clearing in San Jose, CA, holding Series 63 and Series 66 licenses and 14 years of industry experience. He has worked with Wells Fargo Advisors and Wells Fargo Bank NA, with over a decade at Wells Fargo Clearing. Outside of finance, he has been involved with Amber India Restaurant for more than 20 years. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute.

Gino Lopez is a Financial Advisor at Merrill Lynch Wealth Management. He brings over 8 years of experience in the securities industry, including his previous role as a Private Client Advisor at J.P. Morgan. In that capacity, he specialized in assisting affluent bank clients by offering tailored solutions for complex personal and business financial needs through Wealth Management Platforms. Gino focuses on providing personalized advice grounded in financial analysis, aiming to help clients meet their short- and long-term goals. His expertise covers areas such as employee benefits planning, legacy planning, liquidity management, retirement planning, portfolio management, tax minimization, and individual and corporate investment strategy. Gino holds a Bachelor of Science in Commerce from the University of Santo Tomas and the Personal Investment Advisor (PIA) designation. Outside of his professional commitments, Gino resides in San Francisco with his wife Alma and their two children. He enjoys playing golf, reading, and spending time with his family. Additionally, he participates in community activities, reflecting the tradition of community involvement upheld by Merrill.

Raymond Ruan is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2012. In this role, he partners with clients to understand their financial goals and develop personalized financial plans tailored to their unique needs. Prior to joining Fidelity Investments, he was an Assistant Vice President and Financial Solutions Advisor at Merrill Lynch from 2009 to 2012, and before that, a Personal Relationship Advisor at Citicorp Investment Services from 2006 to 2009. Raymond holds a California Insurance License. Outside of his professional responsibilities, he has interests in art, hiking, museums, photography, and traveling.

Elier Peraza is a CFP® professional with 19 years of experience in the financial services industry. He is currently with Cetera and has held various roles at firms including Avantax and Johanson & Yau, where he serves as Director of Financial Services. In addition to his advisory work, he has acted as a temporary independent trustee for an irrevocable trust. Cetera Investment Advisers LLC serves a broad client base ranging from individual investors to institutional accounts, offering portfolio management, financial planning, and retirement services. The firm operates as a multi-manager platform, allowing advisors to implement diverse investment strategies and program options across discretionary and non-discretionary accounts.

Vera Laver is a financial advisor at Edward Jones in Sunnyvale, CA, holding a Series 66 designation with four years of industry experience. Prior to joining Edward Jones, she worked at firms including Raymond James and has been involved in various roles since 2007. Outside of financial advising, she provides notary services in California, including document notarization and wedding services. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a wide range of advisory programs and investment solutions, supported by a large nationwide network of financial advisors and branch offices.

Leo Meneses is a Senior Financial Advisor at Merrill Lynch Wealth Management. He specializes in offering a comprehensive approach to managing wealth that begins with understanding each client's financial situation and what matters most to them. Leo works to create customized wealth management strategies that remain flexible as client needs and market conditions change. He provides access to the investment insights of Merrill and the banking services of Bank of America to address various aspects of clients' financial lives. His areas of expertise include college education planning, divorce transition planning, family wealth management strategies, legacy planning, liquidity management, personal retirement planning, portfolio management services, tax minimization, and retirement income. Leo holds professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). He earned a Bachelor's Degree from San Jose State University and is fluent in English and Spanish. In addition to his professional pursuits, Leo is involved in his community as a Millbrae Recreation Baseball Coach. He enjoys spending time with his family and participating in activities such as baseball, biking, football, hiking, reading, running, swimming, traveling, and watching movies.

Brandon Seanez is a financial advisor at UBS Financial Services with three years of industry experience. He holds the Series 66 designation and has worked at UBS since 2021. Prior to his advisory role, he had experience in the hospitality and wine industries. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings. The firm combines institutional trading capabilities with wealth management services, providing a broad range of solutions including portfolio management, financial planning, and capital markets activities.

Raymond Kong is a financial advisor with LPL Financial in San Jose, CA, holding the Series 66 designation and possessing 22 years of industry experience. He has a longstanding background at Avantax Advisory Services LLC and Avantax Insurance Agency LLC. Outside of advisory work, he owns and operates a tax preparation and accounting business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and specialized institutional services.

Charlie Ramos is a financial advisor at Morgan Stanley with 22 years of industry experience. He holds a Series 66 license and has worked at Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Ramos serves as a non-voting member of the Investment Committee at Saint Peter's University. Morgan Stanley Wealth Management provides advisory and financial planning services to individuals and institutions, managing approximately $2.74 trillion in client assets through a structured planning process supported by firm-approved tools and investment committee insights.

Jacob Rabin is a financial advisor at Wells Fargo Clearing with seven years of industry experience. He holds a Series 66 designation and has previously worked at Bank of America, Merrill, Carbahal and Company, and Upwelling Capital. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research and analytics.

Glynis Wineinger is a financial advisor at Edward Jones with 29 years of industry experience. She has held her role at Edward D. Jones & Co., L.P. since 1996. She holds the Series 63 and Series 66 designations. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

Mathew Mcclain is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 24 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2011 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions. The firm’s process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options within its investment menus.

William Gerdts is a financial advisor with Raymond James & Associates in San Jose, CA, holding Series 63 and Series 65 licenses and bringing 53 years of industry experience. His prior experience includes roles at Wells Fargo Clearing and Wells Fargo Advisors LLC. Raymond James & Associates offers financial planning and investment consulting through its Wealth Advisory Services Program, serving individual clients, employer-sponsored retirement plans, corporate and charitable entities, and government clients. The firm provides tailored financial plans and investment recommendations, supporting both discretionary and non-discretionary advisory relationships.

Khoi Le is a financial advisor at Wells Fargo Clearing in San Jose, CA, holding Series 66 and Series 63 licenses with 13 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors, LLC. and Wells Fargo Bank, N.A. His professional background is exclusively within the Wells Fargo affiliated entities. 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 from Wells Fargo Investment Institute and third-party sources.

Calvin Shiu is a financial advisor at Wells Fargo Clearing in San Jose, CA, holding the ChFC® designation with 23 years of industry experience. His career includes multiple roles at Wells Fargo entities and Morgan Stanley Private Bank. Outside of his advisory work, he owns and operates an online coffee K-Cup sales business. 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 investment menu that features insurance-related products and bank deposit sweep options.

Jack Hsia is a financial advisor with Wells Fargo Clearing in Houston, TX, holding a Series 66 designation and 22 years of industry experience. He has been with Wells Fargo Clearing since 2016, following a year at Wells Fargo Advisors, LLC. Outside of advisory work, he holds a minority ownership in a manufacturing company, Union Tech Co, LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions. The firm’s approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options within its investment menus.

Daniel Dipietro is a financial advisor at Merrill based in San Jose, CA, holding Series 63 and Series 66 licenses with two years of industry experience. His prior roles include positions at Bank of America, J.P. Morgan Securities, Northwestern Mutual, and T3 Trading Group. He also has experience in the hospitality sector, having worked with Una Mas Restaurants. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a broad client base that includes individuals, high-net-worth clients, and institutional fiduciaries. The firm leverages its integration with Bank of America to provide access to a wide range of products and services beyond traditional investment management.