Grace Ngai is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 29 years of industry experience. She previously worked at Charles Schwab Co., Inc. and Charles Schwab Bank, SSB for 12 years. Outside of her advisory role, she manages a rental property in Napa, California. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

Timothy Kwong is a financial advisor at J.P. Morgan Securities with 23 years of industry experience. He holds the Series 63 and Series 66 designations. His prior roles include positions at Bank of America/Merrill Lynch, Citigroup, Wells Fargo Bank NA, and Charles Schwab Bank. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Mei Lian is a Planning Consultant at Fidelity Investments, where she partners with individuals and families to develop financial plans aligned with their evolving goals. She focuses on educating and empowering clients to understand their full financial picture and make informed decisions to pursue their lifelong objectives. She has been with Fidelity Investments since 2024, serving initially as a Financial Representative, then as a Relationship Manager before assuming her current role in 2026. Prior to joining Fidelity Investments, Mei worked as a Private Client Banker at J.P. Morgan Chase from 2023 to 2024 and as an Appraisal Specialist at First Republic Bank from 2022 to 2023. Mei holds a California Insurance License. Outside of her professional work, she enjoys exploring food and traveling.