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.

Vijaylakshmi Shetty is a financial advisor at Merrill with 17 years of industry experience and a Series 66 designation. She has worked at Merrill since 2011, including the current affiliation through Bank of America since 2017, and previously held positions at TIAA-CREF, MSI Financial Services, and Ameriprise. 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, and institutional investors.

Daphne Chan is a financial advisor at J.P. Morgan Securities with Series 63 and Series 66 designations and two years of industry experience. Her work history includes roles at J.P. Morgan Securities, JPMorgan Chase Bank, Bank of America/Merrill Lynch, Futu Inc/MooMoo Financial Inc, Standard Chartered/Hong Kong Bank, and other firms. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. Their advisory process combines systematic quantitative screens and qualitative research to offer written asset allocation advice, investment manager searches, and customized performance reporting while clients retain final decision-making authority.

Adriana Maria Da Cruz is a financial advisor at Morgan Stanley with nine years of industry experience. She has previously worked at UBS Financial Services Inc. for eight years before joining Morgan Stanley in 2025. She holds a Series 66 designation. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including customized financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and provides services through a combination of direct client relationships and corporate financial planning agreements.

Robert Gonzalez is a financial advisor with Wells Fargo Clearing in Palo Alto, CA, holding a Series 66 designation and 22 years of industry experience. He has worked at Wells Fargo Investments, LLC and Wells Fargo Clearing, totaling 17 years within the Wells Fargo organization. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions informed by research and analytics.

Benjamin Pang is a financial advisor with Primerica Advisors in San Jose, CA, holding Series 63 and Series 65 licenses and having one year of industry experience. He has worked with Primerica Advisors and Primerica Financial Services since 2025 and has a background in education with roles in the Milpitas Unified School District and San Benito High School District spanning from 2013 to the present. Outside of his advisory work, he is a partner in Besaga LLC and Besato LLC. Primerica Advisors serves primarily individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients, through a wrap-fee asset management program that emphasizes model-delivery strategies managed by unaffiliated asset managers.

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.

Ronald Gunawan is a Financial Consultant currently working at Fidelity Investments since 2023. He has held roles in the financial services industry including Private Client Advisor at JPMorgan Securities LLC from 2020 to 2022 and Private Client Banker at JPMorgan Chase Bank from 2016 to 2020. His professional focus includes wealth planning and financial consulting, with an emphasis on building lasting relationships and helping clients work towards goals such as comfortable retirement, wealth accumulation, and maintaining their current lifestyle. Ronald holds a California Insurance License, supporting his expertise in financial planning. No additional information regarding education, credentials beyond insurance licensing, personal interests, or community involvement was provided.

Matthew Barker is a financial advisor with Morgan Stanley in Palo Alto, CA, holding Series 63 and Series 65 credentials and having 23 years of industry experience. He has been with Morgan Stanley since 2014, including a role at Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory work, he is a partner in Reef Hunters, LLC, an investment and real estate firm based in San Francisco. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individuals and institutions, managing approximately $2.74 trillion in client assets. The firm’s financial planning uses structured discovery and proprietary tools, serving clients with a wide range of investment and planning services.

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.

Frank Almendarez is a financial advisor with Morgan Stanley in Menlo Park, CA, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He has worked at Morgan Stanley since 2017 and previously held roles at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities from 2008 to 2017. 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 and estate planning. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm‑approved tools and modeling techniques.

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.

Michael Anki is a financial advisor with J.P. Morgan Securities in Palo Alto, CA, holding a Series 66 designation and two years of industry experience. His prior experience includes roles at First Republic Bank and Andersen Tax. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process integrates quantitative and qualitative research supported by centralized due diligence and incorporates ESG considerations where applicable.

Alan Huynh is an Investment Consultant at Fidelity Investments, where he collaborates with clients to assist them in making informed decisions regarding their financial futures. He emphasizes understanding each client's goals, time horizon, and risk tolerance to offer personalized guidance. Prior to his current role, Alan worked as a Financial Consultant at Equitable Advisors from 2022 to 2025. He holds a California Insurance License. Outside of his professional work, Alan has interests in food, movies, outdoor adventures, pets, and theater.

Jacobo Koen Ruben is a financial advisor at Fidelity with the Series 66 designation and two years of industry experience. His prior roles include six years at Rockefeller Capital Management and earlier positions at Financial Clarity and Willamette University. 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. The firm offers discretionary and non-discretionary advisory services and manages multiple registered investment companies and fund-of-funds.

Joyce Irmer is Vice President and Financial Consultant at Fidelity Investments, a role she has held since 2020. She has been with Fidelity Investments since 2011, progressing through positions including Financial Services Associate, Financial Representative, Relationship Manager, Investment Consultant, and Financial Consultant. Her professional experience centers on wealth planning and financial consulting. Joyce holds a California Insurance License. She is dedicated to working closely with clients to develop and maintain customized financial plans tailored to their individual needs. Outside of her professional responsibilities, Joyce enjoys comedy, family activities, exploring food, parenthood, reading, and traveling.

Timon Shaw is an Investment Consultant at Fidelity Investments, a role he has held since 2025. His approach centers on understanding clients' risk tolerance, investment preferences, and personal backgrounds to develop financial plans aimed at achieving financial freedom for individuals and families. Prior to his current position, Timon served as Associate Vice President of Private Markets at Upmarket from 2023 to 2024. He also has experience as a Financial Advisor and Client Associate at Merrill between 2019 and 2021. Timon holds a California Insurance License. Outside of his professional work, Timon has personal interests that include attending concerts, fitness activities, football, golf, and snowboarding.

Vy Dang is a financial advisor with J.P. Morgan Securities in Santa Clara, CA, holding Series 63 and Series 66 licenses and eight years of industry experience. She has been with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2018. Outside of her advisory role, she operates an e-commerce business selling used clothes and branded bags. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on non-discretionary asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process includes both quantitative screening and qualitative research and incorporates an ESG eligibility framework in its recommendations.

John Mathews is a financial advisor at Morgan Stanley with 38 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management serves both individual and institutional clients with a range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and proprietary modeling techniques to support its advisory services.

Brian Lamb is a Series 66 licensed financial advisor with J.P. Morgan Securities, based in Los Gatos, CA. He has 18 years of industry experience, including roles at JPMorgan Chase Bank, N.A., Chase Investment Services Corp., and TD Ameritrade. Lamb has been with J.P. Morgan Securities and related entities since 2011. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a team of Wealth Advisors. The firm’s approach combines quantitative and qualitative research with forward-looking capital market assumptions to deliver written asset allocation advice, investment manager searches, and customized performance reporting.