Hongze Chen is a CFP® professional with 28 years of experience in the financial services industry. He has worked at MassMutual Investors Services since 2017 and has been affiliated with MassMutual Life Insurance Company since 2016. Prior to that, he spent 18 years at Metlife Securities Inc. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars, with planning engagements structured as annual collaborative relationships using firm-approved analytical tools.

Andrew Tomlinson is a Vice President and Financial Consultant at Fidelity Investments, where he has served since 2018. He works closely with clients to develop comprehensive retirement income strategies, addressing tax-efficient investing and navigating key retirement risks. His collaborative, detail-oriented approach supports families in preserving their wealth and working toward long-term financial goals. He has been with Fidelity Investments since 2012, progressing through roles including Private Client Specialist, Investments Representative, and Financial Consultant before his current position. Andrew holds a California insurance license. Outside of his professional work, Andrew's personal interests include cars, concerts, gardening, hiking, pets, and running.

Kenneth Flax is a financial advisor with UBS Financial Services in Weehawken, NJ, holding Series 63 and Series 65 designations and bringing 31 years of industry experience. He has worked at UBS Financial Services since 2006 and previously at U.S. Bancorp Piper Jaffray Inc. since 2002. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides research-based investment strategies tailored to clients’ goals and risk tolerances.

Pamela Takacs is a Planning Consultant at Fidelity Investments, where she collaborates with Financial Consultants to assist clients in customizing their financial plans to work towards achieving their financial goals. She has been in this role since 2023. Prior to her current position, Pamela served as a Relationship Manager at Fidelity Investments from 2011 to 2022. She holds a California Insurance License.

Simon Lui is a Senior Financial Advisor at Merrill Lynch Wealth Management. He focuses on high net worth individuals and their families, including their businesses, to navigate financial strategies. His expertise includes retirement planning, income distribution strategies, asset allocation, goal planning, education planning, insurance planning, company and business investments, and 401K and deferred compensation. Simon helps clients manage equity compensation services, family wealth management strategies, legacy planning, managing new wealth, philanthropic planning, portfolio management services, socially responsible investing, individual and corporate investment strategy, tax minimization, and retirement income. Simon holds a Bachelor's Degree from San Francisco State University and is a Personal Investment Advisor (PIA). His professional experience includes extensive work in the finance industry prior to becoming a wealth manager, which he applies to assist clients in both short-term and long-term financial planning under changing market conditions. He follows Merrill's tradition of community involvement and volunteers with local organizations. Outside of work, Simon enjoys golfing, spending time with his family, and playing tennis.

Laihingester Ng is a financial advisor at Ameriprise with 29 years of industry experience. She has been with Ameriprise and its affiliated entities since 2005 and holds a Series 63 designation. Ng serves as treasurer on the boards of the Los Altos Rotary Aids Project and the San Jose Christian Alliance Church. Ameriprise offers a retirement-income planning service focused on clients approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to develop tailored recommendations delivered through a centralized consulting team.

Sibyl Woo is a financial advisor at Morgan Stanley with eight years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Charles Schwab Bank, Charles Schwab & Co., Inc., The Vanguard Group, and the University of California Merced. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning using firm-approved tools and structured discovery processes. The firm manages approximately $2.74 trillion in client assets and offers both direct and corporate financial planning services.

Qiao Li is a financial advisor at J.P. Morgan Securities with Series 65 and Series 63 credentials and one year of industry experience. Their work history includes roles at JPMorgan Chase Bank, N.A., Citigroup/Citibank, and Bank of Hebel. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process integrates quantitative and qualitative research and may incorporate an ESG framework.

Jeffrey Froshman is a CFP® certificant with 26 years of industry experience. He has been with Wells Fargo Clearing since 2016 and is also a lecturer at California State University, Monterey Bay, a role he has held for over 30 years. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and employs more than 14,000 financial advisors, providing a range of brokerage and advisory solutions.

Suet Wong is a financial advisor with Charles Schwab in Los Altos, CA, holding a Series 66 designation and six years of industry experience. Prior to joining Charles Schwab, Wong worked at Guarmor and San Francisco State University. Outside of advisory work, Wong is involved in property management for a real estate business. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth clients through its Schwab Wealth Advisory program, offering a combination of non-discretionary and discretionary investment management, brokerage, and custody services.

Michael Laport is a financial advisor at UBS Financial Services with 19 years of industry experience. He holds the Series 66 designation and has been with UBS since 2006. Outside of his advisory role, he is the owner and president of LAPORT GROUP LLC, an engineering consulting firm. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm uses proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances.

Steven Bono is a financial advisor with Morgan Stanley in Palo Alto, California, holding Series 63 and Series 66 licenses and possessing 31 years of industry experience. He previously worked at First Republic Securities Company and First Republic Investment Management from 2015 to 2023. Outside of his advisory role, Bono serves on the boards of the 49ers Foundation and Lamonica’s Pizza Dough Company, contributing to nonprofit and manufacturing sectors. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutions, delivering tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers services including estate planning and corporate financial planning agreements.

Weijie Yuan is a financial advisor with Merrill in Mountain View, CA, holding a Series 66 designation and four years of industry experience. He has been with Merrill and Bank of America since 2019. Prior to his current role, he held positions at Premier Nissan of San Jose and Next Generation Marketing Inc. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Angelina Yu is a financial advisor at Morgan Stanley with three years of industry experience. She holds a Series 66 license and previously worked at JPMorgan Chase Bank and JPMorgan Securities LLC. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and delivers services through Financial Advisors and its Estate Planning Strategies Group.

Christopher Ortiz is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. He holds Series 66 and Series 63 designations. His prior experience includes positions at Wells Fargo and Union Bank of California. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on asset allocation advice, investment manager searches, and customized performance reporting. Their approach combines quantitative screening and qualitative research to develop model asset allocations, incorporating ESG criteria where applicable.

Ardeshir Toussi is a financial advisor with Morgan Stanley in Cupertino, CA, holding Series 63 and Series 66 licenses and having 23 years of industry experience. He has been with Morgan Stanley since 2014. Morgan Stanley Wealth Management offers a broad range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and provides services that include both direct individual planning and corporate financial planning agreements.

Marie Wreaks is a financial advisor at Fidelity with a Series 66 designation and over two years of experience at the firm. Prior to joining Fidelity Investments in 2024, she worked for Leean Sera DDS Inc for 11 years. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including registered investment companies and Charitable Gift Funds. The firm uses proprietary fundamental research combined with quantitative analysis and algorithmic portfolio construction to create model portfolios from a range of mutual funds, ETFs, and ETPs.

Jiaying Sun is a Financial Advisor at Merrill Lynch Wealth Management. In this role, she works closely with clients to understand their financial goals and develop strategies to pursue their short-, mid-, and long-term objectives. She serves as a resource for various financial matters, including investing, retirement planning, and saving for unexpected expenses. Jiaying also facilitates access to specialists within Bank of America, covering areas such as banking, credit, home financing, and small business solutions. Jiaying holds professional designations including Accredited Wealth Management Advisor (AWMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). She earned a Bachelor's Degree from the University of Electronic Science and Technology of China. Jiaying communicates with clients in both Chinese and English to provide comprehensive financial advice and guidance.

Duncan Eng is a financial advisor with OSAIC based in Los Gatos, California. He holds a Series 63 designation and has 32 years of industry experience. Prior to joining OSAIC in 2025, he worked for Lincoln Financial Advisors Corporation and Osaic FA, Inc. for over two decades. Additionally, he is licensed to offer various insurance products, including accident and health, disability, fixed and traditional life insurance, health savings accounts, and indexed annuities. OSAIC serves a broad mix of retail and institutional clients through a multi-advisor platform, offering brokerage and advisory services that include financial planning, managed portfolios, third-party money manager programs, and retirement plan consulting. The firm emphasizes model-based asset allocation and portfolio optimization through a complex affiliate network and proprietary investment strategies.

Samuel Veytser is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and four years of industry experience. His work history includes roles at JPMorgan Chase Bank, California Fine Wine & Spirits LLC, and All Spectrum Insurance Brokers. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager searches, and customized performance reporting.