Kai Li is a Financial Consultant currently affiliated with Fidelity Investments since 2022. In this role, Kai provides comprehensive guidance throughout the financial planning process, working closely with clients to understand their objectives and develop long-term strategies tailored to their unique circumstances. Kai has over a decade of experience in financial services, including previous positions as Vice President and Financial Solutions Advisor at Merrill from 2017 to 2022, Senior Relationship Manager at Bank of America from 2013 to 2017, and Wealth Management Advisor at China Merchants Bank from 2010 to 2012. This extensive background supports Kai's expertise in delivering disciplined and thoughtful financial strategies. Kai holds a CA Insurance License and is a Certified Financial Planner (CFP4) professional.

Douglas Kaminski is a financial advisor with Charles Schwab in Walnut Creek, CA, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. He has worked with Charles Schwab and its affiliates since 2005. Outside of his advisory role, he is involved in property management as a landlord. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, offering comprehensive wealth advisory, brokerage, custody, and financial planning services through its integrated wrap fee programs. Schwab provides both non-discretionary and discretionary investment options, utilizing multi-asset model portfolios and research-based due diligence to support client investment decisions.

Virgil Threlkeld is a financial advisor with LPL Financial in Alamo, CA, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. His prior roles include positions at Advantage Wealth Advisors, First Allied Advisory Services, Cetera Wealth Services, UBS Financial Services, and Morgan Stanley. Threlkeld’s professional background includes a decade at Advantage Wealth Advisors, which operates as a DBA under LPL Financial. 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 wide range of services including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by both discretionary and non-discretionary investment strategies.

Andrey Movsesyan is a Wealth Management Advisor at Merrill Lynch Wealth Management. He brings 20 years of experience in financial services, having started his career at Citibank in 2005 and subsequently working at Wells Fargo Private Bank, Abbot Downing (formerly Wells Fargo Family Wealth), First Republic Bank, Prudential Financial, and BBVA Global Wealth. Throughout his career, he has assisted teams in managing investments for institutional and individual clients with assets ranging from $1 million to $1 billion. Andrey holds a Bachelor's degree in Economics and an MBA from San Francisco State University. He has earned several professional designations, including Chartered Financial Analyst (CFA), CERTIFIED FINANCIAL PLANNER (CFP), Chartered Market Technician (CMT), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). His expertise includes education planning, family wealth management strategies, liquidity management, retirement income planning, and tax minimization. Residing in Danville, California, Andrey enjoys spending time with his wife, Anastasiia, and their two children, Katerina and Viktor. The family often spends time outdoors, particularly at their cabin in Groveland, near Yosemite National Park. He is actively involved in his community and serves as a board member for the Epilepsy Foundation of Northern California.

Ricky Siu is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 14 years of industry experience. His work history includes roles at Wells Fargo Clearing since 2012 and Wells Fargo Bank NA since 2013, as well as a brief tenure at J.P. Morgan Securities in 2013. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, retirement plan consulting, and brokerage solutions to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and utilizes research from Wells Fargo Investment Institute and third-party sources to support its investment evaluations.

Robby Engeldinger is a financial advisor at Wells Fargo Clearing with nine years of industry experience. He holds Series 66 and Series 63 licenses and has worked at firms including LPL Financial, BMO Bank NA, Bank of America, Merrill, and Wells Fargo. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with a wide range of investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Vener Lansang is a financial advisor at Ameriprise with nine years of industry experience. He holds a Series 66 designation and has been with Ameriprise since 2014, including its predecessor firm. Ameriprise is a large institutional firm that offers a retirement-income planning service focused on clients approaching or in retirement with significant investable assets. The firm provides a range of advisory, brokerage, and insurance solutions, combining research, modeling, and tax-efficient strategies to deliver personalized, non-discretionary recommendations.

James Collini is a financial advisor with Stifel in Walnut Creek, CA, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has been with Stifel Nicolaus & Co. Inc. since 2008. Outside of his advisory role, Collini serves as a board member for Friends of Camp Concord, a nonprofit that raises funds to send underprivileged children to summer camp, and is president of the Charles Reid Foundation, which organizes an annual Christmas event for poor children. Stifel provides brokerage and investment advisory services to a diverse client base including individuals, institutional clients, and charitable organizations. The firm employs a proprietary investment methodology developed by its Investment Strategy Group to offer asset allocation and planning analyses, with clients retaining discretion over implementation.

David Weed is the Vice President and Branch Leader at Fidelity Investments, a position he has held since 2023. He leads a team of financial advisors who work with clients to pursue their financial goals. Prior to this role, he served as Vice President and Regional Planning Consultant from 2018 to 2023, Assistant Branch Office Manager from 2015 to 2018, and began his career with Fidelity as a Financial Consultant from 2012 to 2015. David holds a California Insurance License. Outside of his professional responsibilities, he enjoys camping, family activities, fitness, football, social events with friends, and snowboarding.

Jonathan Negrete Torres is a Financial Consultant at Fidelity Investments, where he has been working since 2026. He has held various roles at Fidelity since 2022, including Investment Consultant, Relationship Manager, and High Net Worth Associate. Prior to his tenure at Fidelity, he worked as a Registered Administrative Associate at LPL Financial from 2021 to 2022. Jonathan holds a California Insurance License, supporting his work in financial consulting. His approach involves listening to clients and understanding their financial priorities to create customized strategies that align with their life goals. Outside of his professional work, Jonathan's interests include family activities, fitness, golf, outdoor adventures, and soccer.

Daniel Morcos currently serves as a Planning Consultant at Fidelity Investments. In this role, he focuses on working closely with clients to develop individualized financial plans that navigate markets and investments effectively. Daniel's experience at Fidelity Investments spans multiple roles, including Relationship Manager, Financial Representative, and Financial Services Representative. This progression reflects a comprehensive understanding of financial services and client relationship management. He holds a California Insurance License. Outside of his professional career, Daniel enjoys fishing, gardening, golf, and running.

Huayan Xiao is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. Prior to joining Merrill in 2022, Xiao worked at Bank of America and Tod's. Merrill provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm uses internal and third-party investment models and supports various trading and account administration functions.

Mei Xie is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. Her prior roles include positions at National Life Group, Oak Valley Community Bank, and Wells Fargo Bank. She also has experience with HomeSmart PV & Associates and Delight Signing LLC, and served at Redeemer Church for nine years. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, providing model-based and discretionary investment strategies for individuals, high-net-worth clients, and various institutions.

Janna Magdaleno is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and 15 years of industry experience. Her background includes roles at Morgan Stanley Wealth Management, Bank of America Merrill Lynch, and Merrill. Outside of her advisory work, she is involved with Terra Nova Trading Inc. and TNT Land Holdings LLC. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. Their advisory approach combines quantitative and qualitative research to offer written asset allocation advice, investment manager searches, and customized reporting, with clients retaining final decision-making authority.

Brandon Wise is a financial advisor at Wells Fargo Advisors with two years of industry experience. He holds the Series 66 designation and has previously worked at Osano and Multiview. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that offers investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services, including specialized areas such as business-owner transition and sports & entertainment planning, using proprietary research and tools to develop customized recommendations.

Jaime Zapata is a financial advisor with Cambridge Investment Research Advisors, holding a Series 65 designation and one year of industry experience. He has been associated with Cambridge Investment Research since 2016. Cambridge Investment Research Advisors serves a diverse client base that includes individuals, pension plans, and charitable organizations, offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm supports both discretionary and non-discretionary management through multiple platforms and provides access to third-party advisers and proprietary model strategies.

Nick Klarman is a Financial Consultant who collaborates with clients and their families to develop secure financial plans that encompass retirement planning, investment strategy, and income protection. He emphasizes education to simplify complex financial topics and strives to provide a white-glove experience that facilitates the co-creation of holistic financial plans tailored to individual needs. Nick's professional experience includes roles as an Investment Consultant at Fidelity Investments from 2025 to 2026, and as a Financial Representative at the same firm from 2023 to 2025. He holds a California Insurance License, supporting his expertise in income protection and insurance-related financial planning. Outside of his professional work, Nick engages in family activities, social events with friends, golf, and outdoor adventures.

John Bruzzone is a financial advisor with UBS Financial Services in Walnut Creek, California, holding a Series 63 designation and 41 years of industry experience. He has been with UBS since 2015. Outside of his advisory role, he is a partner in an Angus cattle ranch involved in basic animal care. UBS Financial Services Inc. provides brokerage and investment advisory services to individual, corporate, and institutional clients, combining institutional trading capabilities with wealth management offerings and utilizing proprietary research and model-based asset allocations to tailor client plans.

Cody Smith is a CFP® credentialed financial advisor with 20 years of industry experience. He is currently affiliated with Raymond James Financial Services Advisors, Inc. and Summit Financial Group, where he has worked since 2010 and holds an active role as an independent contractor financial advisor. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional investors. The firm emphasizes tailored, non-discretionary planning using analytical tools and supports a broad network of advisors with specialized offerings such as municipal advisory services and SIMPLE IRA Employer Advisory programs.

David Chang is a financial advisor with Mass Mutual Investors Services in Pleasanton, CA, holding Series 63 and Series 65 licenses with 21 years of industry experience. He previously worked at METLIFE Securities Inc and MassMutual Life Insurance Company. Chang serves as president of the Asian American Insurance & Financial Professional Association. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative annual planning engagements, educational seminars, and specialized programs including divorce and estate-settlement planning.