Tony Montini is a financial advisor with Wells Fargo Advisors in San Jose, CA, holding a Series 66 designation and 9 years of industry experience. He has been with Wells Fargo Advisors since 2016. Montini owns LAM Financial Inc., an investment-related business based in San Jose. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad planning menu that includes niche services such as business-owner transition planning and special-needs analysis, utilizing Wells Fargo research and tools to develop tailored client recommendations.

Prashant Dholakia is a Planning Consultant at Fidelity Investments, a role he has held since 2024. In this capacity, he focuses on providing clients with options aimed at achieving financial independence. Prior to his current position, he worked as a Relationship Manager at Fidelity Investments from 2022 to 2024. Before joining Fidelity Investments, Prashant was employed as a Relationship Banker at Wells Fargo Bank from 2019 to 2022. He holds a California Insurance License, which supports his expertise in financial planning and client relations. Outside of his professional responsibilities, Prashant has interests in hiking, traveling, and yoga.

Pierre Robin Dualan is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. He holds Series 63 and Series 66 licenses and has been with J.P. Morgan in various capacities since 2011. His background includes a seven-year tenure with the Golden State Warriors. 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 large institutional advisory operations with affiliated brokerage, distribution, and investment management capabilities.

Cindy Gray is a financial advisor with Wells Fargo Clearing in Los Gatos, CA, holding a Series 66 designation and 20 years of industry experience. She has worked with Wells Fargo Clearing and Wells Fargo Advisors LLC since 2011. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice grounded in modern portfolio theory. The firm is notable for including insurance-related vehicles and bank deposit sweep options among its investment menus, serving institutional clients with tailored plan solutions.

Katie Bogue is a financial advisor at LPL Financial with eight years of industry experience. She holds a Series 66 designation and previously worked at Waddell & Reed Inc. and Marquez Hsieh Group. 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 provides a range of advisory programs, retirement plan consulting, and brokerage services, offering both discretionary and non-discretionary management supported by research and model portfolios.

Thomas J. Bisceglia is a financial advisor at UBS Financial Services with 16 years of industry experience. He holds the Series 66 designation and has been with UBS since 2009 in San Jose, CA. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, utilizing proprietary capital market assumptions and research to tailor plans to clients’ goals and risk tolerances. The firm combines institutional trading capabilities with wealth management services and provides custody, underwriting, and capital markets services.

Karen Lam is a financial advisor with Wells Fargo Clearing in Cupertino, CA, holding Series 63 and Series 65 licenses and having 22 years of industry experience. She has worked at Wells Fargo Clearing since 2017 and previously at Merrill from 2009 to 2017. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions grounded in an IPS-driven process and modern portfolio theory. The firm’s offerings include a range of investment options, including insurance-related vehicles and bank deposit sweep programs, serving institutional clients with tailored plan-level advisory services.

Penelope Kim is a financial advisor with LPL Financial in San Jose, CA, holding a Series 66 designation and two years of industry experience. She previously worked at UBS Financial Services and Wells Fargo Bank. Outside of advising, she is involved as an In-Home Supportive Services provider and participates in a family business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management supported by model portfolios and research.

Kimberly Grubisich is a financial advisor at Morgan Stanley with eight years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley Smith Barney LLC since 2013 and Morgan Stanley Private Bank, N.A. since 2022. She is based in San Jose, California. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s financial planning process involves structured discovery and firm-approved tools, but clients are responsible for implementing and updating their plans.

Rashmina Lalani is a Financial Consultant at Fidelity Investments, a role she has held since 2025. She has been with Fidelity Investments since 2023, initially serving as a Planning Consultant and Financial Representative. Prior to this, Rashmina worked as a Financial Advisor at Merrill Lynch from 2018 to 2020 and has held various analyst positions at firms including IGI Finex Securities, Tundra Fonder AB, Arif Habib Limited, and Alfalah GHP Investment Management. With over a decade of experience in the financial industry, Rashmina holds a CFA designation and an MBA. She possesses a California Insurance License. Her professional focus includes helping clients navigate life transitions with clarity and confidence, emphasizing personal and values-driven financial planning. Outside of her professional life, Rashmina's personal interests include family activities, fitness, social events with friends, movies, music, and reading.

Joshua Payne is a financial advisor with Primerica Advisors in San Jose, CA, holding Series 63 and Series 65 licenses and 17 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 2007. Outside of his advisory role, he is the owner of The Payne Group, Inc., which operates for Primerica business purposes. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and a limited number of discretionary separately managed account options to individual and high-net-worth clients. The firm curates third-party asset managers and delegates trading responsibilities to BNY Mellon Advisors, operating under a tiered wrap-fee structure.

Rick Boynton is a financial advisor with OSAIC, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has worked with Securities America Advisors, Inc. and SECURITIES AMERICA, Inc. for 15 years prior to joining OSAIC. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, financial planning, retirement plan consulting, and access to third-party money managers and wrap programs.

Daphne Chan is a financial advisor at J.P. Morgan Securities with Series 63 and Series 66 credentials and two years of industry experience. She has worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A., and previously held roles at Futu Inc/MooMoo Financial Inc and Standard Chartered/Hong Kong Bank. 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.

Manuel Baca is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and nine years of industry experience. His career includes multiple roles at Wells Fargo entities since 2015 and a one-year position at Fidelity Investments. Outside of finance, he was involved with West Coast Fitness LLC from 2021 to 2022. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Timothy Kang is a financial advisor with Thrivent Investment Management in San Jose, CA, holding Series 63 and Series 66 licenses and having one year of industry experience. His prior work includes roles at Thrivent Financial, Walker & Dunlop, LLC, and PredictView Technologies. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering comprehensive, goal-based financial analyses without discretionary trading authority. The firm’s approach separates planning from portfolio management and allows clients to integrate planning with managed accounts under a consolidated billing option.

Benjamin Pang is a financial advisor with Primerica Advisors in San Jose, CA, holding Series 65 and Series 63 licenses with one year of industry experience. Prior to his advisory role, he worked in the education sector at Milpitas Unified School District and San Benito High School District. He is also a partner in Besaga LLC and Besato LLC. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm uses model-delivery strategies managed by third-party asset managers and supports trade execution and custody through BNY Mellon Advisors and Pershing.

Nicolas St Geme is a financial advisor with RBC Capital Markets in San Jose, CA, holding a Series 66 designation and three years of industry experience. He has been with RBC Capital Markets, LLC since 2022 and previously worked at New York Life Insurance Company. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers multiple advisory programs that provide discretionary and non-discretionary portfolio management, financial planning, and brokerage services tailored to clients' risk profiles.

David Crockett is a financial advisor with Primerica Advisors in San Jose, CA, holding Series 63 and Series 65 licenses and 23 years of industry experience. He has worked with Primerica since 2002 and spent one year at UCT Marchi. In addition to his advisory role, he receives compensation for referrals related to home security, automation products, and loan services through affiliated companies. Primerica Advisors is a large institution serving primarily individual investors, as well as corporate and charitable clients, through a wrap-fee asset management program. The firm offers model-based investment strategies and manages approximately $15.5 billion in assets with support from third-party asset managers and custodians.

Arian Panahpourtehrani is a financial advisor with Merrill in San Jose, CA, holding a Series 66 designation and beginning their industry experience in 2026. Prior to joining Merrill, Arian worked at Bank of America from 2019 to 2026, Citi Bank from 2017 to 2019, and Sears from 2015 to 2017. 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, pension plans, corporations, and charitable organizations.

Ting O'Connor is a financial advisor with UBS Financial Services in San Jose, CA, holding a Series 66 credential and 26 years of industry experience. Prior to joining UBS in 2023, O'Connor worked at Bank of America and Merrill. Outside of advisory work, O'Connor owns and manages a sole proprietorship investment related to a vacation home and is owner of a single-member LLC used for asset protection and liability management purposes. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory offerings, combining institutional trading capabilities and wealth management services through a broad platform that includes financial planning, portfolio management, and market-making activities.