Sean Cook is a Series 66 credentialed financial advisor with Merrill, based in Oakland, California. He has 25 years of industry experience and has been with Merrill since 2009, concurrently working at Bank of America, N.A. since 2010. Outside of his advisory role, he is involved in managing family-held real estate businesses, including overseeing capital improvements and mortgage payments. Merrill serves a broad range of clients, including individuals, retirement plans, corporations, and institutional clients, offering managed account programs, portfolio management, and brokerage services. The firm emphasizes tax-efficient investment strategies and maintains deep integration with Bank of America’s broader banking and capital markets platform.

Deborah Ebert is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 18 years of industry experience. She has worked at Wells Fargo Clearing since 2016, with a brief tenure at Merrill from 2021 to 2022. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary solutions. The firm’s advisory process is driven by investment policy statements and modern portfolio theory, with a range of investment options including insurance-related vehicles and bank deposit sweep programs.

Carlos Castro Vonk is a financial advisor at Charles Schwab with a Series 66 designation and one year of industry experience. His prior work history includes roles at Charles Schwab Bank, Wild Science Explorers, and involvement with the Next Level Sports Foundation. Charles Schwab & Co., Inc. serves a large client base primarily consisting of 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 a combination of non-discretionary advisory guidance and access to discretionary separately managed accounts, supported by multi-asset model portfolios and a centralized operational structure.

Mark Sanchez is a financial advisor at Morgan Stanley with 39 years of industry experience. He holds Series 63 and Series 66 credentials and has been with Morgan Stanley since 2009, including over a decade at Morgan Stanley Private Bank, N.A. based in Oakland, CA. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and models to support its advisory services.

Margaret Hiller is a CFP® and Series 66-registered financial advisor with 20 years of industry experience. She is currently with Morgan Stanley, having previously worked at The Advisory Group of San Francisco for 18 years before joining Morgan Stanley Smith Barney LLC and Morgan Stanley Private Bank. Outside of her advisory role, she speaks on financial literacy topics for high school seniors through her consulting business, Launchpad. Morgan Stanley Wealth Management serves both individual and institutional clients, providing tailored financial planning and advisory programs supported by firm-approved planning tools and a structured discovery process.

Erin Sinclair is a Certified Financial Planner™ (CFP®) based in San Mateo, CA, affiliated with Edward Jones. She has 27 years of industry experience, including 12 years with Edward Jones. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a broad range of advisory programs and investment options, operating under a fiduciary standard while maintaining a large retail advisor and branch network.

Ronald Bland is a financial advisor at OSAIC with 41 years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at Royal Alliance Associates, Inc. and Signator Investors, Inc. Bland is also involved in insurance and property-casualty businesses, serving as president of AEIS Inc. and as a principal and 50% owner of Allied Brokers Inc. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and investment advisory services. The firm’s approach includes asset-allocation tools, risk-tolerance assessments, and automated rebalancing across portfolios that may include various asset classes, managed on discretionary or non-discretionary bases.

Chau Huynh is a financial advisor at Merrill in San Mateo, CA, with 26 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Merrill Lynch since 2000. 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.

Dean Alves is a financial advisor with Ameriprise Financial Services, LLC, holding Series 65 and Series 63 licenses and 10 years of industry experience. He has been with Ameriprise since 2016, working at both Ameriprise Financial Services, Inc. and LLC. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients. It offers a specialized Premier Retirement Income service focused on retirement-income planning through written recommendation reports and ongoing advice that incorporates tax-aware withdrawal strategies and Social Security options.

Abraham Alesna is a financial advisor at Merrill with a Series 66 license and less than one year of industry experience. His prior roles include positions at Bank of America, Monterra Credit Union, and 24 Hour Fitness. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Daniel Deitrick is a financial advisor with Morgan Stanley in Oakland, CA, holding Series 63 and Series 66 licenses and bringing 18 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutions, offering tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and delivers services through both direct client relationships and corporate financial planning agreements.

Samm Hannula is a financial advisor with Fidelity Investments, holding a Series 66 designation and beginning his industry career in 2026. Prior to joining Fidelity, he held positions at Equitable Advisors and Fester & Chapman, alongside several years dedicated to full-time education. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios from mutual funds, ETFs, and ETPs. The firm serves a diverse client base and incorporates oversight and delegated management to address conflicts of interest.

Sabrina Kheirolomoom is a financial advisor at Morgan Stanley with one year of industry experience. She holds a Series 66 designation and previously worked at the Training, Rehabilitation & Development Institute. Outside of finance, she is involved in ballet as a dancer, instructor, and choreographer, working with organizations such as Deanna Stanton Choreography and Piedmont Ballet Academy in Oakland. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and a broad range of advisory programs. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and market models to support financial strategies.

Shishun Kryskalla is a financial advisor at Ameriprise in San Mateo, CA, holding Series 65 and Series 63 licenses with five years of industry experience. Prior to joining Ameriprise in 2024, he worked at The Blakeley Group, Morgan Stanley, UBS Financial Services, Mercer Global Advisors Inc., and Dragon Financial Group. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement-income planning with tax-aware withdrawal strategies and a written Recommendation Report.

Daniel Zachary is a financial advisor at Edward Jones in Fremont, CA, with 14 years of industry experience. He holds the CFP®, ChFC®, and Series 66 credentials. Prior to joining Edward Jones in 2018, he worked at E*TRADE Capital Management LLC and E*Trade Securities LLC from 2015 to 2018. Outside of his advisory role, he participates as a visitor host for BNI Business Success Partners in Newark, CA. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets through a nationwide network of over 23,000 financial advisors and provides a range of advisory programs with discretionary and non-discretionary strategies under a fiduciary standard.

Michael Milton is a financial advisor at LPL Financial with 17 years of industry experience. He holds the Series 66 designation and has been with LPL Financial since 2016. Prior to and concurrently with his role at LPL, he has worked at Fremont Bank since 2015, where he also serves as a Director of Branch Banking overseeing nine bank locations. LPL Financial is a national investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a broad network of representatives. The firm offers diverse advisory programs, financial planning, and retirement consulting, utilizing research and model portfolios from various sources to support both discretionary and non-discretionary investment management.

Roland Martin is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds a Series 66 designation and has 14 years of industry experience, including a decade at Edward Jones before joining Raymond James in 2022. Outside of his advisory role, he is the owner of a small design business, Endless Mindset. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, institutions, and charitable organizations. The firm offers tailored, non-discretionary advisory services supported by analytical tools and maintains a notable municipal advisory affiliation.

Grant Johnson is a financial advisor at Charles Schwab with one year of industry experience. He holds the Series 66 designation and previously worked at Stifel, Nicolaus & Company, Inc. from 2022 to 2025. 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, offering a combination of non-discretionary and discretionary investment options with centralized custody and operational support.

Tyler Bailey is a financial advisor with Raymond James Financial in San Ramon, CA, holding a Series 66 license and eight years of industry experience. His career includes roles at Summit Financial Group, Securian Financial Group, Ameriprise, Morgan Stanley, Bank of America, and Merrill. He is also involved with Summit Financial Group, where he supports financial planning and client service activities. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual, high-net-worth, corporate, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using analytical tools and maintains specialized programs, including municipal advisory services and SIMPLE IRA employer consulting.

Jeff Borges is Vice President, Wealth Planner at Fidelity Investments, a position he has held since 2016. He leverages over 20 years of industry experience to assist clients in developing customized financial plans tailored to their current needs and future legacy goals. Prior to joining Fidelity, Mr. Borges worked as a Financial Consultant at Charles Schwab & Co., Inc. from 2005 to 2016, and at Citicorp Investment Services from 2003 to 2005. He began his career as an Account Executive at Morgan Stanley DW Inc. from 1998 to 2003. He holds a California Insurance License.