Zach Nugent

Jonathan Pollack is a Financial Consultant currently serving clients at Fidelity. He has held several roles within Fidelity Investments since 2023, including Investment Consultant, Relationship Manager, and Financial Representative. Prior to joining Fidelity, he was a Financial Advisor at Ameriprise Financial Services LLC from 2022 to 2023. His professional background is complemented by his service as a U.S. Army Special Forces Green Beret, which has contributed to his strategic approach to financial planning. Jonathan holds a California Insurance License, supporting his work in financial consulting. Born and raised in Northern Nevada, Jonathan is committed to serving his community. His personal interests include family activities, fitness, football, military service, pets, and volunteering.

Scott Macdonald is a Senior Financial Advisor at Merrill Lynch Wealth Management and the founder and leader of the firm's Special Needs Team. Since joining Merrill Lynch in 1987, he has dedicated his career to providing financial advice and guidance specifically tailored to disabled, special-needs, and elder-abuse victims and their families. His team focuses on complex wealth planning and investment management for Special Needs Trusts, court-supervised trusts, conservatorships, and guardianships, working closely with attorneys, caregivers, trustees, fiduciaries, and benefits counselors to address the unique short- and long-term financial needs of society’s most vulnerable populations. Scott holds a Bachelor of Science in Finance and a Bachelor of Arts in Economics with honors from the California State University system. He is a Personal Investment Advisor (PIA) and a Senior Portfolio Manager, managing discretionary investment strategies that may include individualized stocks and bonds as well as various model portfolios and third-party strategies. His expertise includes California Probate Code restrictions, the Uniform Prudent Investor Act, and National Guardianship Standards. Scott has been recognized with Merrill Lynch’s David Brady Community Service Award and has been named to Forbes’ "Best-in-State Wealth Advisors" list for multiple consecutive years from 2020 through 2025. Active in his community, Scott is a member of the Rotary Club of Tahoe Incline and involved with the Society for disAbilities. He lives in Incline Village, Nevada, with his wife Meredith and their four children. Outside of his professional work, he enjoys boating, fishing, hiking, skiing, and spending time with his family.

Ralph Agostini is a Financial Advisor with Merrill Lynch Wealth Management who works primarily with small business owners and entrepreneurs. He focuses on helping clients preserve and grow retirement savings, manage personal and business assets, and establish strong succession plans to ensure financial independence and a secure retirement. His approach begins with a realistic assessment of each client's unique situation, taking into account their life, business, and family circumstances to develop a tailored financial roadmap. Ralph holds a Bachelor's and a Master's degree from The City College of New York and is a Personal Investment Advisor (PIA). Beyond his professional work, he is a member of the League To Save Lake Tahoe and supports community organizations including the ASPCA and Keep Tahoe Blue. In his personal time, Ralph enjoys antiquing, various sports, hiking, music, reading, skiing, spending time with family, and traveling.

Bill Harkey is a Planning Consultant at Fidelity Investments, a position he has held since 2021. Prior to this role, he worked as a Relationship Manager at Fidelity Investments from 2019 to 2021, and as a Financial Advisor at Edward Jones from 2017 to 2019. He holds a California Insurance License. Bill focuses on building long-lasting relationships with his clients to understand their priorities and assist them in working toward their financial goals. His professional experience spans various aspects of financial advising and client relationship management. Outside of his professional work, Bill's personal interests include baseball, concerts, golf, reading, theater, and traveling.