Melissa Knutson is a Financial Consultant at Fidelity Investments, a role she has held since 2023. She has been with Fidelity since 2022, previously serving as a Planning Consultant and Financial Representative. Melissa's professional experience includes positions at JPMorgan Chase as a Private Client Banker and Relationship Banker, as well as roles at Wells Fargo as a Personal Banker, Lead Teller, and Teller. Melissa holds a California Insurance License. She focuses on providing financial planning that is thoughtful and approachable, aiming to empower her clients by understanding their unique goals, values, and circumstances. Through this personalized approach, she offers unbiased guidance and clear action steps tailored to each client's specific needs.

Antonio Accardo is a financial advisor with Mass Mutual Investors Services in Pleasanton, CA, holding Series 63 and Series 65 credentials and bringing 18 years of industry experience. He has worked at MML Investors Services, Inc. and Mass Mutual Financial Group since 2008. Additionally, he has been involved with Villa Romana Inc. since 1992. 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 emphasizes collaborative, annual financial planning relationships and offers specialized programs including divorce planning and event-driven services such as estate settlement and employer-sponsored planning.

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.

Kenny Heller is a Financial Advisor with Merrill Lynch Wealth Management. He provides financial guidance tailored to clients' goals, priorities, and concerns, focusing on strategies for investing, retirement planning, liquidity needs, and managing unexpected events. Kenny connects clients with Bank of America specialists for services such as banking, credit, home financing, and small business solutions, adjusting strategies as clients' circumstances evolve. His areas of expertise include equity compensation services, LGBT wealth planning, liquidity management, personal retirement planning, portfolio management services, tax minimization, and retirement income. Kenny holds a Personal Investment Advisor (PIA) designation and earned a Bachelor of Science degree in Justice Studies from San Jose State University. Outside of his professional work, Kenny enjoys adventure sports, biking, boating, fishing, gardening, hiking, photography, reading, skiing, and traveling.

Yvan Fung is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has over 12 years of experience in finance, including wealth management, loans, and real estate. Yvan works with a range of clients including individuals, families, small businesses, and large corporations, focusing on identifying and defining their financial goals and objectives to create customized wealth management strategies. He holds the Personal Investment Advisor (PIA) designation and earned his bachelor's degree from the University of California, Berkeley. Yvan emphasizes an interactive relationship with his clients to help them prioritize and pursue the financial goals that matter most to them. Outside of his professional work, Yvan is involved with community nonprofit organizations and regularly participates in youth programs in the Bay Area. He is connected with groups such as the Asian Youth Service committee, Cal Martial Art Program, and Wa Sung Community Service. Additionally, he contributes to martial arts events nationwide by managing and judging tournaments.

Virgil Threlkeld is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and possessing 29 years of industry experience. He has worked at several firms including Advantage Wealth Advisors, First Allied Advisory Services, First Allied Securities, Cetera Wealth Services, UBS Financial Services, and Morgan Stanley. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, utilizing both discretionary and non-discretionary strategies supported by advisor tools, with oversight of substantial discretionary assets and a large advisor network.

Patrick Mc Ginty is a financial advisor at Morgan Stanley with a Series 66 credential and three years of industry experience. He has worked at Morgan Stanley since 2023, including a role at Morgan Stanley Private Bank, N.A. since 2025. His prior experience includes positions at First Republic Securities Company, LLC and First Republic Investment Management, Inc. Morgan Stanley Wealth Management serves both individual and institutional clients by offering a range of advisory programs and tailored financial planning. The firm employs a structured planning process utilizing firm-approved tools and models to assist clients in managing approximately $2.74 trillion in assets.

Dina Hall is a financial advisor at UBS Financial Services with 39 years of industry experience, all of which has been with UBS since 1987. She holds a Series 63 designation. Outside of her advisory role, she serves as a co-trustee for a family trust involved in settling an estate. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor client plans.

Alina Mihai is a financial advisor at J.P. Morgan Securities with five years of industry experience. She holds Series 63 and Series 66 registrations. Her career includes multiple roles within J.P. Morgan Securities and JPMorgan Chase Bank, N.A. 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 an ESG eligibility framework. The firm operates within the broader J.P. Morgan organization and offers a range of products through an internal review process.

Ricky Siu is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 13 years of industry experience. He has worked with Wells Fargo in various capacities since 2013, including roles at Wells Fargo Advisors LLC and Wells Fargo Bank NA. 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. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broader range of financial products, such as insurance-related vehicles and bank deposit sweep options.

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 several firms, including LPL Financial, BMO Bank NA, and Bank of America. Outside of his advisory role, he is a co-owner of a rental property in Arnold, California. Wells Fargo Advisors is a national securities firm offering investment advisory, financial planning, and retirement plan consulting services to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Ron Freund is a financial advisor with LPL Financial, holding a Series 63 license and over 42 years of industry experience. His career includes long tenures at The Social Equity Group, Inc., Financial West Group, and Western International Securities, Inc. He also provides research services to The Social Equity Group, an independent investment advisor firm. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a wide range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by extensive operational and research tools.

William Thaddius La Rue is a financial advisor at Edelman Financial Engines with 15 years of industry experience. His prior roles include tenures at Fisher Investments and TIAA-CREF. He holds Series 65 and Series 63 licenses. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm uses a committee-driven, proprietary modeling process combined with planner delivery and online tools, emphasizing diversified model portfolios, periodic rebalancing, and long-term strategies.

Pervin Ozer is a financial advisor at Morgan Stanley in San Mateo, CA, holding Series 65 and Series 63 licenses with one year of industry experience. Prior to joining Morgan Stanley, Ozer worked at Wells Fargo Clearing and Wells Fargo Bank, NA, and has earlier experience in non-financial roles including at Starbucks and Universidade Estadual de Goias. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a wide range of advisory programs and tailored financial planning services, managing approximately $2.74 trillion in client assets.

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.

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.

Ethan Moberg is a financial advisor at Morgan Stanley in Oakland, CA, holding a Series 66 designation. He has been with Morgan Stanley since 2025 and previously worked at Alo, Vuori, and Ritz-Carlton. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm provides tailored financial planning and a wide range of advisory programs, managing approximately $2.74 trillion in client assets.

David Brown is a financial advisor with Primerica Advisors and holds Series 65 and Series 63 licenses. He has five years of industry experience and has worked with Primerica Financial Services since 1995. Outside of his advisory role, he is the founder and pastor of One Way Bible Fellowship and is the author of the book "It's Natural to be Gay," along with other faith-based writings. Primerica Advisors manages a wrap-fee asset management program primarily serving individual investors, including both non-HNW and high-net-worth clients, as well as corporate and charitable entities. The firm offers model-driven investment strategies supported by third-party asset managers and maintains a large advisory network with approximately $15.5 billion in assets under management.

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.