Ching Pong Vicman Ho is a financial advisor with J.P. Morgan Securities in San Francisco, CA, holding Series 63 and Series 66 designations and 25 years of industry experience. He has worked at J.P. Morgan Securities and J.P. Morgan Chase Bank since 2018, and previously spent nearly two decades with Charles Schwab, including Charles Schwab Bank. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The advisory process combines quantitative screens and qualitative research to build model asset allocations, with clients retaining final decision-making authority.

Randall Ng is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at J.P. Morgan Chase Bank and Charles Schwab. 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 and fund searches, and customized performance reporting. The firm’s process combines quantitative and qualitative research with forward-looking capital market assumptions and includes broad derivatives and commodities capabilities.

Hanneke Finones is a financial advisor at Edward Jones in Burlingame, CA, holding a Series 66 designation with two years of industry experience. Prior to joining Edward Jones in 2023, she was involved in a dental practice, Chew & Finones DDS Inc. DBA Nest Dental, from 2012 to 2019. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a variety of advisory programs, offering both discretionary and non-discretionary strategies supported by a nationwide network of over 23,000 financial advisors. The firm provides tax-efficient services, access to separately managed accounts, and maintains affiliated capabilities including a trust company and proprietary mutual funds.

Lilly Zoltak is a financial advisor at J.P. Morgan Securities with 20 years of industry experience. She holds the Series 63 and Series 65 licenses and has previously worked at Citigroup Global Markets, Wells Fargo Advisors LLC, and JPMorgan Chase Bank. Her background also includes roles at LiftUwell and Cater4U. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, offering customized asset allocation advice, investment manager searches, and performance reporting. The firm’s advisory process combines quantitative and qualitative research and incorporates ESG criteria, supported by affiliated entities for implementation and portfolio services.

Todd Ringoen is a financial advisor with UBS Financial Services in Hillsborough, CA, holding Series 63 and Series 65 credentials and 28 years of industry experience. He has been with UBS since 1997. Outside of his advisory role, he serves as a trustee for the KLEF radio station and provides guidance for the University of Oregon Alumni Association. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and advisory offerings, combining institutional trading capabilities with wealth management services. The firm uses proprietary research and model-based asset allocations to tailor financial plans and portfolio management to clients’ goals and risk tolerances.

Gen Tri is a Vice President and Financial Consultant at Fidelity Investments, a role held since 2022. In this capacity, Gen partners with clients by educating and empowering them to understand their financial situation and make sound decisions to pursue their lifelong goals. Gen has been with Fidelity Investments since 2011, progressing through various positions including Financial Consultant, Investment Consultant, Central Relationship Manager, Retirement Solutions Representative, Premium Service Representative, and Financial Representative. This extensive experience reflects a deep understanding of financial consulting and client relationship management. Gen holds a California Insurance License. Outside of professional responsibilities, Gen has interests in fitness, food, snowboarding, tennis, and traveling.

Jizi Gu is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. Jizi has worked at Bank of America, N.A. since 2017 and has been affiliated with Merrill since 2021. 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 individuals, high-net-worth clients, and institutions.

Matthew Dennis is a financial advisor with LPL Financial in Foster City, CA, holding Series 65 and Series 63 licenses and bringing 11 years of industry experience. His prior roles include positions at MML Investors Services LLC and MassMutual Life Insurance Company, where he worked for nine years. Outside of his advisory work, he is involved as a security agent for Matador Risk. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to model portfolios, third-party asset management, and institutional platforms, supported by extensive operational and research tools.

Jackson Kempker is a Financial Consultant at Fidelity Investments, where he works with clients to develop comprehensive financial plans tailored to their unique circumstances. He focuses on risk management, income strategies, and tax-efficient investing to help clients and their families maintain financial plans that align with their goals and adapt to their changing needs. Jackson holds a California Insurance License, which supports his professional practice in the financial services industry. Outside of his work, Jackson enjoys camping, cooking and baking, football, hiking, snowboarding, and traveling.

Dmitry Vasyutinskiy is a financial advisor at Morgan Stanley with eight years of industry experience. He holds the Series 66 designation and has worked at Morgan Stanley Private Bank, Morgan Stanley Smith Barney LLC, Bank of America, Merrill, and AXA Advisors. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and scenario modeling.

Jonathan Reynolds is a Financial Consultant at Fidelity Investments, a role he has held since 2023. He supports clients in making informed investment and financial decisions by guiding them through a disciplined planning process and utilizing Fidelity's resources to create customized financial plans tailored to their unique family needs. Jonathan has been with Fidelity Investments since 2017, progressing through roles including Planning Consultant, Relationship Manager, and Financial Representative. Prior to joining Fidelity, he worked as a Financial Service Representative at Forex Capital Markets from 2015 to 2017. He holds a California Insurance License.

Allan Abrams is a financial advisor at LPL Financial with 38 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Cetera Advisor Networks, Reliastar, VOYA Financial Advisors, and operated Abrams Insurance & Investments for 35 years. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a large network of investment adviser representatives.

Michael Hughes is a financial advisor with LPL Financial in San Mateo, CA, holding Series 63 and Series 65 credentials and bringing 42 years of industry experience. His prior roles include positions at Wells Fargo Advisors Financial Network LLC, Citigroup Global Markets, and Citicorp Investment Services. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network of representatives. The firm serves individuals, retirement plan participants, banks, trust companies, and institutions with a variety of financial planning and investment management solutions.

Daniel Sanchez is a financial advisor at Morgan Stanley in Burlingame, CA, holding a Series 66 designation with three years of industry experience. His prior work includes multiple roles at Morgan Stanley and a brief period in extended travel. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individuals and institutional clients. The firm offers tailored financial planning using structured discovery conversations and firm-approved planning tools, managing approximately $2.74 trillion in client assets.

Elena Fassio is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. Her previous roles include positions at Global Wealth Partners and Levcor, Inc. She has an academic background from Villanova University and experience working in education-related roles prior to entering the financial industry. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to both retail and institutional clients, employing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm offers a range of services including discretionary portfolio management and fund advisory, and is noted for its use of systematic methodologies and involvement with registered investment companies.

Salvador Rodriguez is a financial advisor at Cetera with 25 years of industry experience and holds a Series 66 designation. He has worked with Cetera and its affiliates since 2004 and has additional professional involvement in credit card processing, transportation, and real estate investment consulting. Rodriguez also serves on the advisory board of a technology firm and is active in several sales and management roles outside of his advisory practice. Cetera Investment Advisers LLC serves a wide range of clients, including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers diverse portfolio management and financial planning services, operating as a multi-manager platform with access to affiliated and third-party money managers.

Lorenzo Patron is a financial advisor at Merrill with Series 63 and Series 66 credentials and one year of industry experience. His prior roles include positions at J.P. Morgan Securities and JPMorgan Chase Bank, N.A., as well as experience in other industries such as commercial real estate and retail. 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 strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Michele Michaels is a financial advisor with Charles Schwab in San Mateo, CA, holding a Series 66 designation and six years of industry experience. Her prior work includes roles at TD Ameritrade and Natren Probiotics. 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 offers both non-discretionary and discretionary investment options supported by multi-asset model portfolios and research from the Schwab Center for Financial Research.

Joseph Peironnet is a financial advisor at Charles Schwab in San Mateo, CA, holding a Series 66 designation with one year of industry experience. Prior to joining Charles Schwab and Charles Schwab Bank in 2025, he worked at Related Companies, CU Denver Wellness Center, Minio Inc, R&C Brown Associates, Hotel Los Gatos, and spent four years in full-time education. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated financial planning services. The firm offers a combination of non-discretionary advisory relationships, discretionary separately managed accounts, and an integrated operational model that includes custody, brokerage, and alternative investment services.

Edward Kofman is a CFP® professional with 40 years of industry experience, currently affiliated with OSAIC Wealth, Inc. He has held roles at Leading Edge Financial Design and Royal Alliance Associates, Inc., among others. Kofman serves on several nonprofit boards in Alameda, including positions as president and treasurer, and officiates weddings as an ordained Universal Life Church minister. OSAIC Wealth serves a diverse client base, including retail and institutional investors, retirement plans, charities, and corporations, offering brokerage and advisory services with a model-based investment approach and multiple program options.