David Chen is a Financial Consultant at Fidelity Investments, where he focuses on understanding his clients' unique situations to develop tailored financial plans aimed at meeting their family goals. He is committed to helping clients implement strategies that address their individual needs. David's professional experience includes roles as a Financial Consultant at Fidelity Investments since 2022, a Financial Consultant at E*Trade Financial from 2020 to 2022, a Relationship Manager at Fidelity Investments from 2019 to 2020, a Financial Representative at Fidelity Investments from 2018 to 2019, and a New Client Onboarding Specialist at LPL Financial from 2017 to 2018. He holds a California Insurance License. Outside of his professional work, David enjoys camping, cars, motorcycles, outdoor adventures, snowboarding, and traveling.

Richard Catipon is a financial advisor with Morgan Stanley in Palo Alto, CA, holding a Series 66 license and 14 years of industry experience. He has been with Morgan Stanley since 2012 and has worked at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves individuals and institutional clients by providing advisory programs and tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process using firm-approved tools and quantitative models.

Meng Zhang is a financial advisor at J.P. Morgan Securities with Series 66 and Series 63 licenses and four years of industry experience. Prior to joining J.P. Morgan, Zhang worked at HSBC Bank USA and has been involved in entrepreneurial activities including roles at Luckybird Fashion and 6 kiss travel. Zhang also spent five years at De Anza College. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework to guide investment decisions.

Megan Forestieri is a financial advisor with Fidelity, holding a Series 66 designation and nine years of industry experience. Her prior roles include positions at RBC Capital Markets and several capacities within Fidelity beginning in 2016. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors. The firm employs a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, and it is notable for its use of AI and systematic methodologies in investment processes.

Martin Hsu is a Senior Financial Advisor with Merrill Lynch Wealth Management. In his role, he focuses on offering a comprehensive approach to managing wealth that begins with understanding a client and their family's financial situation and priorities. He helps clients create customized wealth management strategies that are adaptable to changing needs and market conditions. Martin brings extensive expertise in financial management, risk management, retirement planning, estate planning, and investment strategy. He utilizes a range of financial instruments including private portfolio management, mutual funds, individual stocks, bonds, annuities, and alternative investments. His client focus areas include education planning, legacy planning, liquidity management, personal retirement planning, small business strategies, tax minimization, and retirement income. He collaborates with clients' legal and tax advisors to develop comprehensive estate plans. He holds a Bachelor's Degree in Legal Studies and Economics from the University of California at Santa Cruz. Martin has earned several professional designations including Chartered Financial Consultant (ChFC), Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He is a member of the Asian Leadership Network and participates in community activities such as the CSPA @Venture Group. Martin lives in San Jose with his wife Anita and their two sons, Calin and Tyler.

Rana Toma is a financial advisor at Charles Schwab with nine years of industry experience. She holds Series 63 and Series 66 credentials and has worked at Charles Schwab and its affiliated bank since 2019, following prior roles at Wells Fargo Clearing Services and Wells Fargo Bank. Charles Schwab & Co., Inc. serves a large client base, primarily 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 and discretionary investment solutions, utilizing multi-asset model portfolios, strategic asset allocation, and a formal alternative-investment process.

Johnpaul Lonardo is a financial advisor with LPL Financial in San Jose, CA, holding Series 63 and Series 65 credentials and having 21 years of industry experience. He has worked with LPL Financial since 2012 and previously served at PFG Advisors and Mariner Independent Advisor Network. He also provides investment advisory services through Mariner Independent Advisor Network LLC, an independent registered investment advisor. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including model portfolios, retirement plan consulting, and brokerage services.

Thuy Hoang is a Senior Financial Advisor with Merrill Lynch Wealth Management, specializing in providing tailored wealth management strategies. Since beginning her career in 2010, she has worked primarily with healthcare and technology professionals, business owners, and entrepreneurs. Her approach focuses on a goal-based wealth management process that emphasizes accountability, service, and results, helping clients pursue objectives such as college education planning, executive and equity compensation, family wealth management, tax minimization, retirement income, and small business strategies. Thuy holds a Bachelor's Degree from Seattle University and holds professional designations including CERTIFIED FINANCIAL PLANNER (CFP), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Fluent in Vietnamese and English, she offers personalized financial strategies grounded in an understanding of her clients' full financial pictures and evolving market conditions. Based in Seattle, Thuy values spending time with her wife and two sons, enjoying family travel and outdoor activities. She is involved in the community through organizations such as Helping Link and is an avid supporter of local sports teams.

Ying Fang is a financial advisor at J.P. Morgan Securities with 24 years of industry experience. She has been with J.P. Morgan Securities since 2012 and also has a longstanding affiliation with Wm Financial Services. Fang holds Series 63 and Series 65 licenses. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering asset-allocation advice, investment manager and fund searches, and customized performance reporting through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Cynthia Wemyss is a CFP®, ChFC®, and Series 63–licensed financial advisor with Edward Jones in Los Altos, CA, where she has worked since 1999. She has 27 years of industry experience. Outside of Edward Jones, she is a partner in a consulting business called C A Resources. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and operates through a nationwide network of over 23,700 financial advisors.

Charles Sosa is a financial advisor with LPL Financial in San Jose, CA, holding a Series 66 credential and 16 years of industry experience. His prior work includes roles at Securities America Advisors, National Planning Corporation, and Lifestyle Financial Services, the latter of which he continues to operate as a non-variable insurance business. He is also associated with a non-investment entity, Integrated Wealth Solutions, and an Altera Corp subsidiary related to Big Bear Mountain Resorts. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network. The firm offers financial planning, advisory programs, retirement consulting, and brokerage services, providing both discretionary and non-discretionary management with access to model portfolios, research, and various technology-driven investment solutions.

Chanelle Murphy is a Financial Consultant I at Fidelity Investments, based in the Mountain View location. In her role, she works with a diverse range of clients in Silicon Valley, focusing on helping them improve their financial situations. She specializes in assisting clients with retirement and investment planning, guiding them through these complex areas. Chanelle holds a California Insurance License, supporting her expertise in financial consulting. Outside of her professional work, she enjoys playing golf and tennis.

Lin Sun is a financial advisor with Charles Schwab in Los Altos, CA, holding a Series 66 designation and 22 years of industry experience. Sun has been with Charles Schwab and Charles Schwab Bank since 2012. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm combines non-discretionary client relationships with access to affiliated discretionary separately managed accounts, supported by centralized custody and comprehensive investment research.

Dennis Shapses is a financial advisor with Wells Fargo Clearing, holding a Series 63 designation and over 32 years of industry experience. He has been with Wells Fargo Clearing since 2016, following two years at Wells Fargo Advisors LLC. In addition to his advisory role, Shapses teaches a course titled "Financial Strategies for Successful Retirement" at De Anza College and San Mateo Community College. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a broader set of financial products, such as insurance-related vehicles and bank deposit sweep options.

Malika Saumil Ajmera is a financial advisor at Fidelity with one year of industry experience. She holds a Series 66 designation and has worked at several firms including EquAlpha Investments, Axis Securities, and Arihant Capital prior to joining Fidelity. Her background also includes a position at UC Berkeley. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios across a broad investable universe.

Robert Galindo Jr. is a financial advisor at LPL Financial with 24 years of industry experience and holds a Series 66 designation. He has worked at LPL Financial since 2017 and previously spent eight years at National Planning Corporation. Additionally, he has been involved with the Metropolitan Adult Education Program since 2008. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, and charitable organizations. The firm offers a range of advisory programs and financial planning services, providing both discretionary and non-discretionary management supported by model portfolios and research.

Nhan Nguyen is a financial advisor with Mass Mutual Investors Services in San Jose, CA, holding Series 63 and Series 66 licenses and having 18 years of industry experience. He has been with Massachusetts Mutual Life Insurance Company and Mass Mutual Investors Services since 2015. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers a range of programs, including educational seminars and event-driven planning services such as divorce and estate settlement planning.

Riley Thompson is a financial advisor at Fidelity with one year of industry experience. He holds a Series 66 designation and previously worked with LA Pension Planners. Outside of his advisory role, he is involved in pension education through an online platform. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios that include mutual funds, ETFs, and ETPs.

Tonia Rhoe is a financial advisor with Primerica Advisors based in San Jose, CA, holding Series 63 and Series 65 licenses and possessing 15 years of industry experience. Her work history includes roles at The Sequoia Group, Valley Church, PFS Investments Inc., and Primerica Financial Services. She is involved in the sale of investment-related products and also participates in referrals for non-investment home security and automation services through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and selectively managed accounts. The firm curates third-party asset managers and uses a tiered wrap fee structure, focusing on personalized portfolio management rather than institutional plan management.

Vinh Tran is a financial advisor at J.P. Morgan Securities with 19 years of industry experience. He holds Series 63 and Series 66 licenses and has been with J.P. Morgan in various roles since 2012. J.P. Morgan Securities LLC 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 institutional advisory operations with affiliated brokerage and investment management services, delivering recommendations on a non-discretionary basis while clients retain final decision authority.