Patricia Miranda is a Vice President and Financial Consultant at Fidelity Investments, a position she has held since 2024. She has been serving clients for over twenty-five years, focusing on helping them pursue their financial goals and dreams through personalized strategies that consider their unique needs at any life stage. Her professional experience includes roles as a Financial Consultant and Workplace Financial Consultant at Fidelity Investments, as well as positions at UBS Financial Services, Toronto Dominion Securities Inc., Marathon Brokerage, Merrill Lynch Canada Inc., and the Investment Dealers' Association in Toronto. Patricia holds a CA Insurance License. Outside of her professional work, Patricia enjoys art, cooking and baking, family activities, gardening, hiking, and traveling.

Christopher Grado is a Financial Consultant currently working at Fidelity Investments since 2021. In this role, he partners with clients to develop comprehensive financial plans that align with their short-term and long-term goals. He focuses on understanding clients' priorities and works to ensure they feel confident in their financial future. Prior to his current position, Christopher served as a Financial Advisor at Edward Jones from 2018 to 2021. He holds a California Insurance License, supporting his ability to provide insurance-related financial guidance. Outside of his professional work, Christopher engages in family activities, parenthood, photography, and traveling.

Jason Adams is a Financial Consultant currently working at Fidelity Investments since 2024. He has been involved in the financial services industry since 2020, having previously served as an Investment Consultant at Fidelity Investments from 2023 to 2024 and as a Financial Advisor at Northwestern Mutual from 2020 to 2023. His experience focuses on retirement plans, tax-efficient investing, and investment allocation. Jason emphasizes a professional approach that values simplicity, transparency, and trust to assist clients in making informed financial decisions. He holds a California Insurance License.

Davyere Reed is a Financial Consultant with experience in investment and workplace financial planning. Prior to the current role, Davyere served as an Investment Consultant at Fidelity Investments from 2023 to 2024 and as a Workplace Planning Associate at Fidelity Investments from 2022 to 2023. Earlier, Davyere worked as a Financial Representative at Northwestern Mutual from 2021 to 2022. Davyere's approach to financial consulting emphasizes understanding each client's unique circumstances and goals to develop tailored financial plans. Key areas of focus include investment planning, tax-efficient investing, and estate planning considerations. Davyere is licensed with the California Insurance License. The commitment to professionalism, respect, and honesty guides Davyere's client relationships and financial planning process.

Paul Gregory serves as a Senior Financial Advisor and Managing Director at Merrill Lynch Wealth Management in the Monterey, California branch office. Since joining Merrill Lynch in 1997, he has specialized in working with high net worth families, businesses, institutions, and endowments to provide a comprehensive range of financial services and strategies. His role includes serving as a Retirement Benefits Consultant, focusing on fiduciary services for corporate retirement plans and employee education to help plan participants understand Social Security benefits, retirement income, and contribution strategies. Paul holds several professional designations, including Certified 401(k) Professional (C(k)P®), Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Plans Specialist (CRPS®), and Chartered Retirement Planning Counselor (CRPC®). He earned a bachelor's degree from California State University Stanislaus after graduating from Grace Davis High School. Throughout his career, Paul has emphasized combining empirical data with personalized guidance to address complex financial circumstances. Outside of his professional work, Paul enjoys golfing, music, and spending time with his family. He and his wife Dominique have been married since 2002 and have three children.

Ryan McCormick is a Wealth Management Advisor at Merrill Lynch Wealth Management. He has been in the financial services industry since 2003 and joined Merrill Lynch Wealth Management in 2009. Ryan works closely with clients to understand their unique financial goals and develop tailored strategies that align with their objectives, risk tolerance, and timelines. His areas of expertise include college education planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, individual and corporate investment strategies, tax minimization, and retirement income. Ryan holds the Certified Divorce Financial Analyst (CDFA) certification, is a CERTIFIED FINANCIAL PLANNER (CFP), and a Personal Investment Advisor (PIA). He earned a Bachelor of Science degree in Business Finance from San Francisco State University in 2002. Ryan serves on several nonprofit boards, including Jacob's Heart Children's Cancer Support Services and the Old Monterey Business Association. He and his wife, Rosanna, live in Monterey, where they enjoy outdoor activities and the natural beauty of the peninsula.