Meng Zhang is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds the Series 63 and Series 66 designations and has worked at JPMorgan Chase Bank and HSBC Bank USA. Outside of finance, he has experience in the fashion industry and involvement with travel-related ventures. 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 searches, and customized performance reporting. The firm’s process combines quantitative screening and qualitative research, incorporating ESG criteria and utilizing affiliates for portfolio implementation.

Megan Forestieri is a financial advisor with Fidelity, holding a Series 66 designation and nine years of industry experience. Her prior roles include positions at RBC Capital Markets and several capacities within Fidelity beginning in 2016. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors. The firm employs a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, and it is notable for its use of AI and systematic methodologies in investment processes.

Martin Hsu is a Senior Financial Advisor with Merrill Lynch Wealth Management. In his role, he focuses on offering a comprehensive approach to managing wealth that begins with understanding a client and their family's financial situation and priorities. He helps clients create customized wealth management strategies that are adaptable to changing needs and market conditions. Martin brings extensive expertise in financial management, risk management, retirement planning, estate planning, and investment strategy. He utilizes a range of financial instruments including private portfolio management, mutual funds, individual stocks, bonds, annuities, and alternative investments. His client focus areas include education planning, legacy planning, liquidity management, personal retirement planning, small business strategies, tax minimization, and retirement income. He collaborates with clients' legal and tax advisors to develop comprehensive estate plans. He holds a Bachelor's Degree in Legal Studies and Economics from the University of California at Santa Cruz. Martin has earned several professional designations including Chartered Financial Consultant (ChFC), Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He is a member of the Asian Leadership Network and participates in community activities such as the CSPA @Venture Group. Martin lives in San Jose with his wife Anita and their two sons, Calin and Tyler.

Rana Toma is a financial advisor at Charles Schwab with nine years of industry experience. She holds Series 63 and Series 66 credentials and has worked at Charles Schwab and its affiliated bank since 2019, following prior roles at Wells Fargo Clearing Services and Wells Fargo Bank. Charles Schwab & Co., Inc. serves a large client base, 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 a combination of non-discretionary and discretionary investment solutions, utilizing multi-asset model portfolios, strategic asset allocation, and a formal alternative-investment process.

Johnpaul Lonardo is a financial advisor with LPL Financial in San Jose, CA, holding Series 63 and Series 65 licenses and having 21 years of industry experience. His prior work includes roles at Mariner Independent Advisor Network, PFG Advisors, Chase Investment Services, and Wamu Investments. He also provides advisory services through Mariner Independent Advisor Network LLC, an independent registered investment advisor firm. LPL Financial is a national broker-dealer and SEC-registered investment adviser delivering advisory and brokerage services through a large network of investment adviser representatives to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a broad range of financial planning and portfolio management solutions, combining extensive service platforms with technology tools for operational and research support.

Ying Fang is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and 24 years of industry experience. She has worked at J.P. Morgan Securities since 2012 and is also associated with Wm Financial Services since 2007. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. The firm’s advisory process includes systematic due diligence and combines quantitative and qualitative research to deliver written asset allocation advice and customized performance reporting, with clients retaining final decision-making authority.

Dennis Shapses is a financial advisor with Wells Fargo Clearing in San Jose, CA, holding a Series 63 designation and over 33 years of industry experience. His prior roles include positions at Morgan Stanley, Citigroup Global Markets, and UBS Financial Services. Outside of his advisory work, he teaches courses on financial strategies for successful retirement at De Anza College Community Education and San Mateo Community College. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions, employing research and analytics grounded in diversification and modern portfolio theory.

Malika Saumil Ajmera is a financial advisor at Fidelity with one year of industry experience. She holds a Series 66 designation and has worked at several firms including EquAlpha Investments, Axis Securities, and Arihant Capital prior to joining Fidelity. Her background also includes a position at UC Berkeley. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios across a broad investable universe.

Robert Galindo Jr. is a financial advisor with LPL Financial in San Jose, CA, holding a Series 66 designation and 24 years of industry experience. He has worked at LPL Financial since 2017 and previously held roles at The Planners Network, National Planning Corporation, and Ameriprise, among others. Since 2008, he has been involved with the Metropolitan Adult Education Program. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory services, including financial planning, model portfolio programs, and institutional platforms, supported by a large network of investment adviser representatives utilizing both proprietary and third-party strategies.

William Hayward Jr. is a financial advisor with LPL Financial in San Jose, CA, holding Series 63 and Series 66 designations and possessing 23 years of industry experience. He previously worked at Voya Financial and its affiliated entities for 12 years and at Kestra Investment Services for two years. Hayward serves as a board member for the Majors Division of Lincoln Glen Little League. 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 financial planning and asset management services, utilizing a broad network of investment adviser representatives supported by research, technology, and multiple advisory platforms.

Tonia Rhoe is a financial advisor with Primerica Advisors based in San Jose, CA, holding Series 63 and Series 65 licenses and possessing 15 years of industry experience. Her work history includes roles at The Sequoia Group, Valley Church, PFS Investments Inc., and Primerica Financial Services. She is involved in the sale of investment-related products and also participates in referrals for non-investment home security and automation services through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and selectively managed accounts. The firm curates third-party asset managers and uses a tiered wrap fee structure, focusing on personalized portfolio management rather than institutional plan management.

Vinh Tran is a financial advisor with J.P. Morgan Securities in Cupertino, CA, holding Series 63 and Series 66 licenses and 20 years of industry experience. He has been with J.P. Morgan Securities and JPMorgan Chase Bank since 2012. 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, supported by centralized due diligence and a combination of quantitative and qualitative research.

Simon Bonilla is a financial advisor at Morgan Stanley in Los Gatos, CA, holding Series 63 and Series 65 licenses with eight years of industry experience. His work history includes roles at Morgan Stanley since 2020, as well as previous positions at UnionBanc Investment Services and MUFG Union Bank. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals 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 structured planning tools and advisory services without providing individual security recommendations as part of its standalone planning program.

Adam Anderson is a financial advisor with Morgan Stanley in Cupertino, CA, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has worked at Morgan Stanley Smith Barney LLC since 2009 and has been with Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management offers a variety of advisory programs to individuals and institutional clients, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and market modeling techniques.

James Shaw is a financial advisor at Merrill based in San Jose, CA, holding a Series 66 designation with one year of industry experience. His prior work includes roles at Bank of America, Boston Consulting Group, Brown Brothers Harriman, and State Street Global Advisors. Outside of his advisory duties, he serves as President and CEO of Convoy for a Cause, an organization that hosts sports car rallies to raise funds for the L-D Syndrome Foundation. Merrill serves a broad range of clients, including individuals, retirement plans, corporations, and institutional clients, offering managed account programs, third-party manager selection, discretionary portfolio management, and brokerage services. The firm emphasizes tax-focused capabilities and benefits from deep integration with Bank of America affiliates and the broader banking and capital markets platform.

Mark Barnao is a Sales Manager at Merrill Lynch Wealth Management, where he has been employed since 1996. He leads The Barnao Group, which serves small businesses and individual clients, assisting with investments, wealth planning, banking, lending, and estate planning. His client focus includes corporate benefits, corporate executive services, education planning, liquidity management, and portfolio management services. Mark grew up in upstate New York and holds a Bachelor's Degree from Cornell University as well as an Accredited Certificate from the Naval War College. Prior to joining Merrill Lynch, he served in the Navy as a Surface Warfare Officer and worked as a Production Manager. He holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He participates in professional organizations such as the USS Midway and USS Chosin Alumni Associations and is involved in the Cornell University Alumni Association. Mark resides in Morgan Hill, CA, and his team utilizes the broad platform of Merrill and the banking products and services of Bank of America to assist clients.

Donald Elliott is a financial advisor with LPL Financial in Los Gatos, CA, holding Series 65 and Series 63 licenses and 28 years of industry experience. His career includes positions at Janus Henderson Investors, Cadaret, Grant & Co., and Wells Fargo Investments. He is involved with Elliott Family Wealth, a family business entity unrelated to investment activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement participants, banks, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to third-party asset management, utilizing various model portfolios and customized strategies.

Alty Kosherbek is a Financial Consultant at Fidelity Investments, a position held since 2021. In this role, Alty partners with clients to develop comprehensive financial strategies that align with their individual goals throughout different stages of life. His focus areas include personalized retirement planning, tax-efficient investing, and estate planning considerations. With a foundation in stock and bond markets, Alty applies his expertise to help clients gain clarity and confidence regarding their financial futures. He holds a California Insurance License, supporting his capacity to guide clients through various financial decisions. Outside of his professional responsibilities, Alty has interests in comedy, outdoor adventures, and traveling.

Tyler Nguyen is a financial advisor with J.P. Morgan Securities in San Jose, CA, holding Series 63 and Series 65 licenses and bringing 18 years of industry experience. His career includes roles at JPMorgan Chase Bank, N.A., J.P. Morgan Securities LLC, and Citigroup Global Markets Inc. and Citigroup. 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 searches, and customized performance reporting. The firm’s advisory process integrates quantitative and qualitative research with forward-looking capital market assumptions and includes offerings that incorporate ESG eligibility frameworks.

Rufino Tiongson is a Planning Consultant at Fidelity Investments, a position he has held since 2024. He has been with Fidelity Investments since 2022, previously serving as a Central Relationship Manager from 2022 to 2023 and as a Relationship Manager from 2023 to 2024. Prior to joining Fidelity Investments, Rufino worked as a Relationship Banker at Wells Fargo from 2017 to 2022. In his current role, Rufino focuses on educating and partnering with clients to develop personalized financial strategies that support their goals. He is committed to understanding the significance of financial decisions and their impact on clients' lives and families. Rufino holds a California Insurance License. Outside of his professional work, Rufino enjoys bowling, exploring food, football, hiking, and snowboarding.