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.

Tom Nguyen is a CFP® professional with 18 years of industry experience, currently serving at Wells Fargo Clearing since 2025. His prior roles include positions at Bank of America, Merrill, Citigroup, and J.P. Morgan Securities. Outside of his advisory work, he holds a minority ownership stake in a retail store in Cupertino, CA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s process is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Michael Aubel is a financial advisor with Wells Fargo Advisors in San Jose, CA, holding a Series 63 designation and over 37 years of industry experience. He has worked at Wells Fargo Advisors and affiliated entities since 2009. Outside of his advisory role, he owns FSBMICHAEL INC, an investment-related business based in Mountain House, CA. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients, offering a broad range of investment and financial planning services. The firm provides tailored recommendations supported by proprietary research and planning tools, with clients able to choose how to implement these through various brokerage or advisory programs.

Justin Pearce serves as a Financial Advisor at Merrill Lynch Wealth Management. He focuses on providing financial guidance that supports clients in achieving their life goals through personalized and holistic financial planning. Justin leverages over 20 years of business experience to understand the complexities of his clients' work and personal lives and to create tailored financial plans. His areas of expertise include college education planning, managing new wealth, personal retirement planning, portfolio management services, tax minimization, and retirement income. Justin holds several professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned a Bachelor's Degree from California Polytechnic State University and a Master of Business Administration (MBA) from Pepperdine University. Outside of his professional work, Justin is a family man who prioritizes his wife and two college-aged sons. His family's activities often involve sports such as soccer and snowboarding. He is committed to building long-term relationships with his clients to support them through various life stages and financial needs.

Adrian Castillo is a financial advisor with Ameriprise in San Jose, CA, holding Series 63 and Series 65 credentials and 11 years of industry experience. His prior work includes roles at JP Morgan Securities LLC, JP Morgan Chase Bank, and Amazon. Ameriprise offers retirement-income planning services primarily for individuals nearing or in retirement with significant investable assets, delivering tailored Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and algorithmic tools to provide non-discretionary advice through a centralized consulting team.

Dione Luu Wong is a Wealth Management Advisor with Merrill Lynch Wealth Management. She has been serving clients since 1993, focusing on creating individually customized wealth management strategies that consider each client's risk tolerance, time horizon, liquidity needs, investment goals, and cost implications. Dione collaborates with a team of specialists to offer services including portfolio management, education funding, retirement planning, estate and trust services, liability management, tax minimization, and asset preservation strategies. Dione holds a Bachelor's Degree in Economics with an emphasis in International Business from the University of California Santa Cruz. She has earned professional designations including Certified Private Wealth Advisor (CPWA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Fluent in Cantonese, Mandarin, and Vietnamese, she is equipped to work with a diverse clientele. Outside of her professional work, Dione enjoys music, reading, yoga, and spending time with her husband and two daughters. She is committed to building long-term relationships with clients and helping them make informed financial decisions.

Nick Almasov is a Financial Consultant currently working at Fidelity Investments since 2020. He has over a decade of experience in the financial services industry, specializing in assisting high-net-worth clients with their financial decision-making. Prior to his current role, Nick served as a Wealth Financial Advisor at Bank of the West from 2016 to 2020 and as a Premier Banker at Wells Fargo from 2014 to 2016. He holds a California Insurance License.

Shelley Goglio is a financial advisor at UBS Financial Services with 33 years of industry experience. She has been with UBS since 1989 and holds Series 63 and Series 65 designations. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, offering fee-based financial planning, portfolio management, and access to mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management and provides research-driven, model-based asset allocation tailored to clients’ goals and risk tolerances.

Mike Hoang is a financial advisor with Morgan Stanley in San Jose, CA, holding a Series 66 designation and 18 years of industry experience. He has been with Morgan Stanley Private Bank, National Association since 2015 and with Morgan Stanley Smith Barney since 2010. Outside of his advisory work, he is a partner in The League Sports, LLC, a private company in Santa Clara, and also works as a contractor for food delivery services Uber Eats and DoorDash. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutions, offering tailored financial planning supported by structured discovery processes and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and combines retail and institutional services with various investment company relationships and principal trading activities.

Trevor Bright is a financial advisor with Charles Schwab in Campbell, CA, holding a Series 66 designation and 23 years of industry experience. His prior work includes positions at LPL Financial and Strategic Wealth Advisors Group. He has been with Charles Schwab and its affiliated bank since 2020. Charles Schwab & Co., Inc. serves 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios supported by Schwab’s research capabilities.

Christopher Genetti is a financial advisor with Charles Schwab in Santa Clara, CA, holding Series 63 and Series 66 licenses and 15 years of industry experience. He previously worked at Scottrade Inc. for nine years before joining Charles Schwab in 2018. Outside of his advisory role, he serves as a club officer for Los Gatos Toastmasters, contributing to member education and training. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program and affiliated managed accounts. The firm offers a combination of non-discretionary advisory services and access to discretionary separately managed accounts, supported by strategic asset allocation models and alternative investment due diligence.

Thomas Boscardin is a financial advisor at Edward Jones in Los Gatos, CA, holding a Series 66 designation with one year of industry experience. His prior work includes roles at Local Eyes LLC, 90 Degrees West, and Don't Panic Production LLC. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment options supported by a large national network of financial advisors and branch offices.

Jaime Rojas Gonzalez is an Investment Consultant at Fidelity Investments, a position held since 2026. Prior to this role, he worked as a Relationship Manager at Fidelity Investments in 2025 and as a Financial Services Professional at New York Life from 2023 to 2025. His approach to financial advising involves open conversations to understand clients' situations and priorities, ensuring their goals are central to every discussion. Jaime reviews existing financial plans, explores potential options, and provides recommendations collaboratively to help clients make informed decisions with clarity and long-term confidence. He holds a California Insurance License. Outside of his professional work, Jaime's personal interests include fitness, hiking, movies, and music.

Gabriela De Oliveira is a financial advisor at J.P. Morgan Securities with six years of industry experience. She holds Series 63 and Series 66 licenses and has worked at multiple J.P. Morgan affiliated entities as well as HSBC Securities and HSBC Bank USA. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing a combination of quantitative asset-allocation modeling and centralized due diligence. The firm applies an ESG eligibility framework and offers services on a non-discretionary basis, with clients retaining final decision-making authority.

Adriana Torres is a financial advisor at Wells Fargo Clearing with a Series 66 designation and five years of industry experience. She previously worked at One Main Financial and Bank of America. Based in San Jose, CA, she has been with Wells Fargo Clearing since 2021. 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 both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party analytics.

Ernest Lau is a financial advisor at Wells Fargo Clearing with 19 years of industry experience. He holds the Series 66 designation and has worked at Wells Fargo and Fidelity Investments in various roles since 2005. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory approach is IPS-driven and grounded in modern portfolio theory, with options that include insurance-related vehicles and bank deposit sweep programs.

Jabra Ghanayem is a Planning Consultant at Fidelity Investments, where he focuses on developing sustainable financial plans through a deep understanding of clients' needs. He has been with Fidelity since 2021, progressing from Investment Solutions Representative to Relationship Manager before assuming his current role in 2024. Prior to joining Fidelity, Jabra worked as a Financial Professional at Equitable Advisors from 2019 to 2021. He holds a California Insurance License, supporting his expertise in financial planning and insurance services. Outside of his professional work, Jabra enjoys spending time at the beach, engaging in family activities, exploring culinary interests as a foodie, playing golf, and reading.

Hsin Yi Vivian Hsieh is a financial advisor at Charles Schwab with seven years of industry experience and holds a Series 66 designation. Her prior work includes roles at Morgan Stanley, TD Ameritrade, and Borelli Investment Company. She is currently based in Cupertino, CA. Charles Schwab & Co., Inc. serves a large client base primarily consisting of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering both non-discretionary and discretionary investment options supported by centralized custody and a multi-asset investment approach.

Steven Xu is a financial advisor with Charles Schwab who holds Series 63 and Series 65 licenses and has 23 years of industry experience. Prior to joining Schwab in 2025, he worked at Fidelity Personal and Workplace Advisors and Fidelity Brokerage Services LLC for a combined 10 years. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a combination of non-discretionary investment guidance and access to discretionary separately managed accounts delivered via a large-scale, integrated platform.

Bao Lieu is a financial advisor at Merrill with Series 63 and Series 66 credentials and one year of industry experience. Prior to joining Merrill and Bank of America, he worked at NYLife Securities LLC and New York Life Insurance Company. Before his financial career, he was employed in education at HCMC University of Pedagogy, Tran Phu Highschool, and Nguyen Tri Phuong Middle School. Merrill, along 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.