Matthew Atkins is a financial advisor at J.P. Morgan Securities with a Series 66 designation and three years of industry experience. He has been affiliated with the J.P. Morgan organization since 2015, including roles at JPMorgan Chase Bank, N.A. 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, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

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.

Susan Huang Cramer is a financial advisor with Morgan Stanley in Cupertino, CA, holding Series 63 and Series 65 licenses and possessing 28 years of industry experience. She has worked with Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2010. Outside of her advisory role, she is the owner of the Cramer Family Trust. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools as part of its advisory services.

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 with Merrill in San Jose, CA, holding a Series 66 designation and beginning his advisory career recently. His work experience includes roles at Bank of America, JPMorgan Chase, Citibank, and Premierone Credit Union. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Estanislao Saenz is a Financial Advisor with Merrill Lynch Wealth Management. She specializes in guiding families and entrepreneurs through critical financial transitions, including employment changes, retirement, business protection, expansion, and sales. Estanislao and her team develop tailored wealth management strategies aimed at enhancing growth and promoting financial security, with a focus on client-centered service. Her areas of expertise include family wealth management, services for endowments, foundations, and non-profits, liquidity management, personal retirement planning, portfolio management, small business strategies, tax minimization, and retirement income planning. Estanislao holds a Bachelor's Degree from New Mexico State University and maintains the Personal Investment Advisor (PIA) designation. She communicates fluently in both Spanish and English. As a naturalized immigrant and a mother of two, Estanislao emphasizes the importance of being present and prepared, striving to provide her clients with confidence and trustworthy guidance during life’s financial challenges. In her personal time, she enjoys running, traveling, and spending time with her family.

Daljibhai Chaudhari is a financial advisor at Wells Fargo Clearing with a Series 66 designation and four years of industry experience. He has been with Wells Fargo Clearing since 2021 and also has experience at Wells Fargo Bank, NA dating back to 2018. Prior to his financial services career, he worked in roles including at Global Space Web Tech Pvt Ltd and Costa Coffee. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a broad investment menu that includes insurance-related vehicles and bank deposit sweep options.

Lwin Mar Myint is a financial advisor with J.P. Morgan Securities in San Jose, CA, holding Series 63 and Series 66 designations and 18 years of industry experience. Prior to joining J.P. Morgan Securities and JPMorgan Chase Bank in 2022, she worked at HSBC Securities USA Inc and HSBC Bank USA NA from 2017 to 2022, and at UnionBanc Investment Services, LLC and MUFG Union Bank from 2014 to 2017. Outside of her advisory role, she is a property owner managing an investment property. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities, delivering recommendations on a non-discretionary basis while clients retain final decision-making authority.

David Farkouh is a CFP® with 22 years of industry experience, currently serving as a financial advisor at Ameriprise in San Jose, CA. He has been with Ameriprise and its affiliated entities since 2003. Ameriprise is an institutional firm offering a retirement-income planning service focused on clients with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide annual, non-discretionary retirement recommendations, supported by a centralized consulting team and algorithmic tools overseen by a Retirement Income Oversight Committee.

Carlton Pace is a financial advisor at RBC Capital Markets with 35 years of industry experience. He holds Series 63 and Series 65 designations and previously worked at Wells Fargo Advisors and Wells Fargo Clearing. He is based in San Jose, CA. RBC Wealth Management, a division of RBC Capital Markets, serves individual and institutional clients with a range of advisory programs offering portfolio management, financial planning, custody, and brokerage services. The firm customizes strategies to clients’ risk profiles and utilizes both in-house and third-party investment managers.

Hyun Soo Jeon is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 credentials and 11 years of industry experience. He previously worked at The Prudential Insurance Company of America and Pruco Securities LLC. Based in San Jose, CA, Jeon has been with LPL Enterprise since 2024. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through both advisory and brokerage channels. The firm offers financial planning, consulting, access to model wealth portfolios, and a range of brokerage and insurance products via an integrated platform that combines advisory services with other financial products.

Thomas Blakeley is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and 18 years of industry experience. He has been with Wells Fargo Clearing since 2016 and has prior experience at Wells Fargo Advisors LLC and Wells Fargo Bank NA. Outside of his advisory work, he co-owns a rental property in Santa Clara, California, with his spouse. 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 advisory solutions. The firm’s process is driven by investment policy statements and modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

Thomas Vanderzwaag is a financial advisor with LPL Financial in San Jose, CA, holding Series 63 and Series 66 licenses and bringing 12 years of industry experience. He worked at National Planning Corporation for three years before joining LPL Financial in 2017. Vanderzwaag is also involved with VZ Financial, a separate business entity used for payroll purposes. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad range of clients including individuals, retirement plans, banks, and corporations. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management approaches supported by research and model portfolios.