Andrew Tang is a CFP® with 24 years of industry experience, currently affiliated with Charles Schwab. His prior roles include positions at TD Ameritrade and Fidelity, where he worked for a combined total of 14 years. Outside of his advisory work, Tang serves as an assistant girls junior varsity basketball coach for the Santa Clara Unified School District. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its wealth advisory wrap fee program and affiliated managed-account services, offering both non-discretionary and discretionary investment options with a multi-asset model portfolio approach.

Taylor Frias is a financial advisor with J.P. Morgan Securities in San Jose, CA, holding Series 63 and Series 66 licenses and eight years of industry experience. Prior to joining J.P. Morgan Securities and JPMorgan Chase Bank N.A., Frias worked at California Mattress. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Jared Sanchez is a financial advisor with Primerica Advisors in Santa Clara, CA, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 2001. Outside of his advisory role, he consults part-time for Rivel Athletics, an athletic clothing company. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and a limited selection of separately managed accounts. The firm curates third-party asset managers and employs a tiered wrap-fee structure, focusing on non-institutional portfolios.

John Ubaldi is a financial advisor at UBS Financial Services with four years of industry experience. He holds Series 63 and Series 65 licenses and has prior work experience at Digital Media Solutions and Nordstrom. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, including fee-based financial planning and discretionary portfolio management. The firm integrates institutional trading capabilities with wealth management services, supported by proprietary research and a broad platform of capital markets and lending solutions.

Rey Deborja Jr. is a financial advisor at OSAIC with 22 years of industry experience. He holds a Series 66 designation and has worked at firms including Ameriprise, Lincoln Financial Advisors, and Prudential Insurance Company of America. Outside of his advisory role, he co-owns a tax preparation business, PDC Taxes. Osaic Wealth, Inc. serves a broad mix of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and advisory services, financial planning, retirement consulting, and access to third-party money managers and managed-account solutions. The firm employs asset-allocation tools, risk-tolerance assessments, and automated rebalancing in portfolio construction and supports multiple platforms and third-party services.

Pashmeena Vyas is a Financial Advisor with Merrill Lynch Wealth Management, specializing in assisting young professionals, business owners, and retirees in the Bay Area. She focuses on developing comprehensive wealth plans that address clients' unique needs and goals, emphasizing long-term financial security, wealth accumulation, retirement preparedness, and income generation. Pashmeena offers expertise in education planning, personal retirement planning, portfolio management, special needs planning strategies, tax minimization, and retirement income. She holds multiple professional designations, including CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA). Pashmeena earned a Master's Degree from Mumbai University and a Bachelor's Degree from Sreemati Nathibai Damodat Thackersey Women's University. Additionally, she completed a Master of Business Administration from the State University of New York at New Paltz and a non-accredited certificate program from the University of California Berkeley Extension. She is affiliated with the CFP® Board of Standards Inc. Outside of her professional responsibilities, Pashmeena enjoys music, spending time with her family, watching movies, and practicing yoga.

William Murphy is a financial advisor with Wells Fargo Clearing in Campbell, CA, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. He has worked with Wells Fargo firms since 2009 and serves as a power of attorney for a family member. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services grounded in an IPS-driven approach and modern portfolio theory. The firm includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

My Lang is a financial advisor with Ameriprise Financial Services, LLC, holding Series 63 and Series 66 licenses and having 16 years of industry experience. He has worked at Ameriprise since 2005 across its related entities. In addition to his advisory role, he is involved in independent insurance brokering with multiple health plans. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides clients with written recommendation reports and ongoing planning focused on dependable income sources and tax-aware withdrawal strategies.

Michael Kavanaugh is a financial advisor at Cetera with 32 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Cetera and its affiliates since 2021, following a long career at Voya Financial Advisors and Preretirement Marketing Insurance Service. Outside of his advisory role, he is an independent insurance agent specializing in fixed insurance products. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base that includes individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a large network of independent advisors and employs a multi-manager platform with diverse investment strategies.

John Callan is a financial advisor at LPL Financial with 23 years of industry experience. He holds a Series 66 designation and has been with LPL Financial since 2003. Callan serves as co-trustee for a family revocable living trust. LPL Financial is a national investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management supported by LPL Research and third-party subadvisors.

Lawrence Larson is a financial advisor at Charles Schwab with 27 years of industry experience. He holds a Series 66 designation and has been with Charles Schwab since 2003, including concurrent roles at Charles Schwab Bank since 2005. Charles Schwab & Co., Inc. serves 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 combines non-discretionary advisory services with access to discretionary separately managed accounts and employs multi-asset model portfolios supported by centralized custody and operational infrastructure.

Violet Lee is a Senior Financial Advisor at Merrill Lynch Wealth Management, bringing over three decades of experience in financial advising since 2000. She specializes in a wide range of client focus areas including college education planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, tax minimization, and retirement income. Her approach centers on developing personalized financial strategies that align with each client's goals and values. Violet and her team utilize a disciplined process that includes establishing objectives, developing strategies, recommending personalized plans, and updating them in response to clients' life changes. She is involved in managing investments, cash flow, liabilities, asset allocation, tax exposure, insurance coordination, retirement assets, and trust and estate planning services. Violet holds a Master's degree in Business Administration with an emphasis in Finance from San Jose State University and a Bachelor's degree from the University of Texas at Austin. She has earned the Personal Investment Advisor (PIA) designation. Violet participates in her local community through involvement with the De Anza Cupertino Aquatics Team and the Los Gatos Saratoga Unified School District. She resides in the Bay Area with her family and enjoys traveling, reading, swimming, hiking, and other activities.

Mary Jin is a Vice President and Financial Consultant at Fidelity Investments, where she has been serving since 2025. She is a CERTIFIED FINANCIAL PLANNER™ professional with over 18 years of experience in the financial services industry. Throughout her career, Mary has held various roles at Fidelity Investments, including Financial Consultant, Investment Consultant, and Relationship Manager. Prior to joining Fidelity, she worked at Edelman Financial Engines, Credit Suisse, Morgan Stanley, and E*Trade Financial. Mary's expertise spans working with individuals, families, and business owners to address their unique financial needs and assist them in achieving their financial goals. She holds a California Insurance License, which supports her ability to provide comprehensive financial advice. Outside of her professional work, Mary enjoys family activities and running.

David Nguyen is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. His prior roles include positions at BMO Financial Group, JP Morgan Chase Bank, J.P. Morgan Securities, Wells Fargo Bank, and several technology and security companies. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios from mutual funds, ETFs, and ETPs. The firm is noted for its registration with the CFTC, advisory roles to multiple registered investment companies, and use of AI-driven research methods.

Stephen Lucero is a financial advisor with UBS Financial Services in San Jose, CA, holding Series 63 and Series 65 credentials and over 33 years of industry experience. He has been with UBS since 1999. Lucero serves as a board member and advisor for Camp Kesem, a nonprofit organization supporting children with parents who have terminal illnesses. UBS Financial Services serves individual, corporate, and institutional clients through 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 according to clients’ goals and risk tolerances.

Zifeng Chen is a financial advisor with Fidelity Investments in Campbell, CA, holding a Series 66 designation and one year of industry experience. Prior to joining Fidelity in 2025, Chen worked at East West Bank and UBS. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including Charitable Gift Funds and registered investment companies. The firm combines proprietary fundamental research with quantitative analysis and algorithmic portfolio construction, offering model portfolios built from mutual funds, ETFs, and ETPs through systematic methodologies and long-term asset allocation benchmarks.

Byron Ishiwata is a financial advisor at Cetera with 23 years of industry experience and holds a Series 66 credential. His prior work includes significant tenures at Avantax and 1st Global Advisors. Outside of his advisory role, he serves as the Head Minister of the Konko Church of San Jose and as Assistant Chief Administrative Minister for the Konko Church of North America. He is also a partner in the CPA firm Johanson & Yau and serves on the advisory board of the Japanese American Museum of San Jose. Cetera Investment Advisers LLC is an SEC-registered adviser that supports a large network of independent advisors, serving individuals from non-high-net-worth to high-net-worth clients, as well as retirement plans, corporate, charitable, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through a multi-manager platform featuring both affiliated and third-party managers.

Thomas Cochran is a financial advisor with LPL Financial, holding a Series 63 designation and having 41 years of industry experience. He previously worked at BancWest Investment Services for 27 years and joined LPL Financial in 2023. Outside of his advisory role, Cochran is employed part-time with the Civil Service Commission in San Jose. 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 variety of advisory programs, retirement plan consulting, and brokerage services, utilizing discretionary and non-discretionary management along with model portfolios and research from multiple sources.

Sumer Tatangelo is a financial advisor with Ameriprise in Santa Cruz, CA, holding a Series 66 designation and nine years of industry experience. Tatangelo has been with Ameriprise and its affiliated entities since 2015. Ameriprise offers retirement-income planning services primarily for clients nearing or in retirement who meet specific asset criteria, combining research-driven modeling and tax-efficiency analysis to provide tailored, written recommendation reports. The firm delivers a broad range of advisory, brokerage, and insurance solutions typical of a large institutional provider.

Talin Shaheen is a financial advisor at Merrill with a Series 66 credential and one year of industry experience. Prior to joining Merrill and Bank of America, N.A., Shaheen held positions at JPMorgan Chase and Premierone Credit Union. Outside of finance, Shaheen worked in the food service industry and has experience in education. 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, offering model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, and institutions.