Jacobo Koen Ruben is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. Prior to joining Fidelity, he worked for Rockefeller Capital Management for six years and has additional experience at Financial Clarity and Willamette University. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, employing a process that combines fundamental research with quantitative analysis and algorithmic portfolio construction to manage portfolios using mutual funds, ETFs, and ETPs. The firm also provides multi-manager fund advisory and serves as a commodity pool operator registered with the CFTC.

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 bringing seven years of industry experience. She has worked at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2018. Outside of her advisory role, she operates a small e-commerce business selling used clothing and branded bags. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, combining large-scale institutional advisory with brokerage and investment management capabilities. The firm offers asset allocation advice and investment manager searches on a non-discretionary basis, with recommendations supported by an in-house manager solutions team and a centralized due-diligence framework.

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 financial advisor with J.P. Morgan Securities in San Jose, CA, holding a Series 66 designation and 18 years of industry experience. He has been with J.P. Morgan Chase Bank and J.P. Morgan Securities since 2011. 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 through a large team of Wealth Advisors. The firm combines institutional advisory operations with brokerage, distribution, and investment management services.

Paul Kim is a financial advisor with Stifel in San Jose, CA, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. He previously worked at Morgan Stanley and Morgan Stanley Private Bank, National Association, before joining Stifel in 2018. Stifel serves a wide range of clients, including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services supported by a proprietary investment methodology developed by its Investment Strategy Group. The firm also provides services to private funds and municipal entities, operating alongside affiliated trust companies and banks.

Christopher Milner is a financial advisor at Merrill with eight years of industry experience and holds a Series 66 designation. He has been with Merrill and Bank of America since 2018. Prior to that, he worked at Northwestern Mutual for one year and has experience in both financial services and corporate environments. 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. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations, offering model-based and discretionary investment strategies developed by internal and third-party managers.

Andrew Liu is a CFP® and Series 66-registered financial advisor with Wells Fargo Clearing, based in San Jose, CA. He has 23 years of industry experience, including over a decade at Wells Fargo Clearing and prior experience at Wells Fargo Advisors, LLC. Wells Fargo Clearing offers retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, providing both discretionary and non-discretionary investment advisory options. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

Linh Truong is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds Series 63 and Series 65 credentials and has 23 years of industry experience. He has worked at Raymond James since 2012 and at First Tech Federal Credit Union since 2014. Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to a diverse range of clients including individuals, high-net-worth clients, corporations, and institutions. The firm uses tailored, non-discretionary planning supported by analytical tools and offers specialized programs such as municipal advisory services and SIMPLE IRA Employer Advisory & Consulting Services.

Marcela Gonzalez is a Vice President and Financial Consultant at Fidelity Investments, a position she has held since 2020. She brings extensive experience in personal financial planning, emphasizing client engagement in the planning process to develop disciplined financial strategies. Prior to her current role, Marcela served as Vice President -- Investments and Private Client Advisor at JPMorgan Securities from 2012 to 2020. Her earlier experience includes positions as a Licensed Banker at Chase Bank from 2010 to 2012 and as a Registered Client Associate at Merrill Lynch from 2008 to 2010. She holds a California Insurance License.

Maximilian Mc Kelvy is a financial advisor at Morgan Stanley with nine years of industry experience. He previously worked at BlackRock Investments, LLC for five years before joining Morgan Stanley Private Bank and Morgan Stanley in 2021. Mc Kelvy is the sole proprietor of Pacific Succession Planning LLC, a marketing entity based in San Francisco focused on business development and growth. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by proprietary tools and market modeling techniques.

Jenny Brummer is a financial advisor at UBS Financial Services with 23 years of industry experience. She holds a Series 66 designation and previously worked at Merrill for 23 years before joining UBS in 2023. She is based in San Jose, CA. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management and offers proprietary research, affiliated banking, and securities-backed lending programs.

Zipeng Zheng is a financial advisor at Morgan Stanley with five years of industry experience. He holds a Series 66 designation and previously worked at UBS Financial Services and Shoji Sushi. 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 uses structured planning processes supported by firm-approved tools and modeling techniques.

Paula Thielen is a financial advisor at Cetera with 19 years of industry experience. She holds the PFS™ designation and Series 66 license. In addition to her advisory work, she is a CPA and owner of Thielen & Associates, an accounting and tax preparation firm where she oversees tax planning and return review for individual and business clients. Cetera Investment Advisers LLC provides services through a nationwide network of independent advisors, serving individual, institutional, and retirement plan clients. The firm offers a variety of portfolio management and financial planning options, including access to third-party money managers and model portfolios, supported by a multi-manager platform and diverse program structures.

Maha Riaz is a Planning Consultant at Fidelity Investments, a position she has held since 2026. In this role, she focuses on helping clients navigate complex financial strategies by tailoring plans to their evolving life stories, aiming to facilitate objective and confident decision-making aligned with clients' values and goals. Prior to her current role, Maha worked as an Associate at Morgan Stanley from 2025 to 2026, and she has experience in wealth operations from her time at SVB Private between 2021 and 2024. Her professional background encompasses financial planning and wealth management. Outside of her professional career, Maha enjoys badminton, family activities, social events with friends, horseback riding, movies, and parenthood.

Chris Hu is a CFA® charterholder and holds a Series 66 license, with six years of experience in the financial services industry. He is currently with Morgan Stanley in Menlo Park, CA, and previously worked at Charles Schwab, Fidelity Investments, Bank of America N.A., and Merrill. His background also includes involvement with Blockchain At Berkeley. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individuals and institutions, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools alongside input from its Global Investment Committee.

Mary Winchester is a financial advisor with Morgan Stanley in Menlo Park, CA, holding Series 63 and Series 66 licenses and bringing 32 years of industry experience. She has worked at Morgan Stanley Smith Barney since 2012. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs, including tailored financial planning supported by structured processes and advanced modeling tools.

Madeline Van Hoorickx is a financial advisor at UBS Financial Services with nine years of industry experience. She holds the Series 66 designation and has been with UBS Financial Services since 2016. UBS Financial Services Inc. 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 provides access to proprietary research and various capital markets solutions.

Chandra Dulam is a Wealth Management Advisor with Merrill Lynch Wealth Management. He works with affluent individuals, families, senior executives, specialized doctors, and small businesses to understand their medium- and long-term financial needs. Chandra provides strategies to help clients reach their goals by utilizing Merrill Lynch investment products, Bank of America banking services, and resources from Bank of America Private Bank specialists, tailored to clients’ financial sophistication. Chandra’s expertise includes managing investments and risks for the long term, implementing wealth preservation and transfer strategies, and offering services such as college education planning, divorce transition planning, equity compensation, family wealth management, legacy planning, retirement planning, portfolio management, socially responsible investing, and tax minimization. He combines a strong financial background with Merrill’s wealth management platform to develop customized strategies that address his clients’ unique financial situations. He holds a Bachelor's degree from Osmania University, a Master’s degree from the University of Connecticut, and an MBA in Finance from the University of Arizona. Chandra is a Chartered Financial Analyst (CFA) and a Personal Investment Advisor (PIA). He is involved in community organizations including AIM For Seva (Bay Area, CA), Foundation For Excellence (Bay Area, CA), and the Silicon Valley Rotary Club. Chandra speaks English, Hindi, and Telugu.