Cindy Chan is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. She holds a Series 66 designation and has been with J.P. Morgan in various capacities since 2012. Based in San Francisco, CA, her career has been focused within the J.P. Morgan organization. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm’s approach integrates quantitative asset-allocation modeling with centralized due diligence and includes an ESG eligibility framework in its investment recommendations.

Richard Ralston is a financial advisor with J.P. Morgan Securities in San Francisco, holding a Series 66 designation and six years of industry experience. His prior roles include positions at Morgan Stanley and First Republic Investment Management. 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 through a combination of advisory and brokerage capabilities.