Lulu Xiong is a financial advisor at J.P. Morgan Securities with nine years of industry experience. She holds Series 63 and Series 66 licenses and has worked at both J.P. Morgan and Citigroup in various capacities since 2014. J.P. Morgan Securities 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 select group of Wealth Advisors. The firm combines institutional advisory operations with brokerage and investment management functions, delivering recommendations on a non-discretionary basis.

Anushree Dave is a Senior Financial Advisor at Merrill Lynch Wealth Management. She has over 15 years of experience in the financial services industry, specializing in helping clients pursue their short- and long-term financial objectives. Anushree focuses on providing and managing customized financial strategies for individuals, families, and businesses. Her areas of expertise include college education planning, executive compensation, equity compensation services, family wealth management strategies, legacy planning, LGBT wealth planning, personal retirement planning, women and wealth, individual and corporate investment strategies, and tax minimization. Anushree holds professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). She earned a Master of Marketing Management from Jamnalal Bajaj Institute of Management Studies. Anushree is fluent in English, Gujarati, Hindi, and Marathi. Outside of work, she enjoys hiking, painting, reading, and traveling with family and friends.

Luisa Martinez is a Financial Consultant currently working at Fidelity Investments since 2020. She has experience in wealth management and equities trading, having previously served as a Portfolio Wealth Manager at Abendstern Wealth Management from 2015 to 2020 and as a Representative and Equities Trader at Golden Beneficial Securities from 2008 to 2010. Luisa holds a California Insurance License. In her role, she partners with clients to identify personal financial goals and develop comprehensive plans to meet ongoing needs. She aims to foster trusting and collaborative relationships where clients can openly share their challenges and aspirations. Outside of her professional work, Luisa enjoys camping, cooking and baking, visiting museums, outdoor adventures, playing soccer, and traveling.

Seth Tom is a financial advisor at Fidelity with two years of industry experience. He holds the Series 66 designation and has worked at Fidelity Investments since 2024. Outside of his advisory role, Seth serves as the head coach for the Tonga Weightlifting Federation, coaching an athlete and attending competitions. Fidelity’s affiliated Strategic Advisers LLC provides investment management and advisory services to a broad client base, including retail and institutional investors. The firm employs a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios comprised of mutual funds, ETFs, and ETPs.

Robert Leland is a financial advisor at LPL Financial with 22 years of industry experience. He holds a Series 66 designation and previously worked at Ameriprise Financial Services, Inc. for 19 years. Outside of his advisory role, he is involved in fixed insurance products. 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 financial planning and investment management services, utilizing both proprietary and third-party strategies.

Allan Alcayde is a financial advisor at LPL Financial with 29 years of industry experience. He holds the Series 63 and Series 65 designations and has worked at firms including Woodbury Financial Services and U.S. Bancorp Investments. He is also affiliated with Fremont Bank through FB Investment Services. 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 and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Kenny Merlo is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 20 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2011 to 2016. Outside of his advisory role, he manages a rental property in Redwood City, CA. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, serving as an ERISA fiduciary and offering a range of investment options that include insurance-related vehicles and bank deposit sweep programs.

Jonathan Martinez Cervantes is a financial advisor with LPL Financial, holding a Series 66 designation and three years of industry experience. He previously worked at Ameriprise Financial and Pace Supply Corp. He operates a balanced approach wealth management practice under LPL’s umbrella. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, and institutions, offering a range of financial planning and advisory services supported by model portfolios, third-party asset managers, and proprietary research tools.

Kevin Yee is a financial advisor with J.P. Morgan Securities in Palo Alto, CA, holding a Series 66 designation and having one year of industry experience. His prior roles include positions at JPMorgan Chase Bank, First Republic Bank, and Aflac. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework when recommending strategies.

Bhawna Kochhar is a financial advisor at Wells Fargo Clearing with nine years of industry experience. She holds Series 63 and Series 65 designations and has been with Wells Fargo Clearing since 2016. Prior to that, she worked at Wells Fargo Bank, NA starting in 2015. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a range of investment options that include insurance-related vehicles and bank deposit sweep programs.

Weldon Poole is a Wealth Management Advisor at Merrill Lynch Wealth Management. He has been with Merrill since 1995 and focuses on assisting clients in the planning and realization of their financial goals. His work includes developing personalized financial strategies and managing portfolios, including traditional advisement and discretionary management of investment strategies. Weldon holds the CERTIFIED FINANCIAL PLANNER® (CFP) designation awarded by the Certified Financial Planner Board of Standards, Inc., and is a qualified Portfolio Manager. He graduated with a Bachelor of Science degree in Economics from Brigham Young University. Over his career, he has built a practice dedicated to client-centered service with an emphasis on intellectual rigor, customization, and long-term planning. He is active in his community, volunteering 10-15 hours per week, and is affiliated with The Church of Jesus Christ of Latter-Day Saints. Weldon lives in Fremont, California with his wife and their four adult children, enjoying activities such as hiking, photography, reading, and skiing.

Susang Sijapati is a Planning Consultant at Fidelity Investments, where she collaborates with Financial Consultants to provide personalized planning experiences for clients. She supports advisors by proactively reaching out to clients to ensure their financial goals are understood and addressed, fostering engagement and collaboration to help clients navigate their financial futures confidently. Susang's experience at Fidelity Investments includes roles as a Relationship Manager from 2024 to 2025 and as a Financial Service Representative from 2023 to 2024. Prior to joining Fidelity, she worked as a Bank Teller at Wells Fargo from 2020 to 2021. She holds a California Insurance License. Outside of her professional role, Susang has interests in fitness, food, motorcycles, reading, and traveling.

Josh Tanaka is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. His previous roles include positions at GuardDog.ai and Hathaway Dinwiddie, as well as work connected to the University of Washington. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm uses a combination of proprietary research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios composed of mutual funds, ETFs, and ETPs.

Stephen Zanolli is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he has been serving clients since 1991. He brings over 30 years of financial services experience in Silicon Valley, focusing on concentrated stock issues and strategies related to selling, liquidity, hedging, and risk management. Stephen employs a goals-based approach to wealth management, retirement income planning, and wealth transfer strategies tailored for ultra-high-net-worth clients. He collaborates with clients' external professionals to provide comprehensive estate planning services and strategies. Stephen previously served as resident director in the San Mateo office for two years, where he led other financial advisors and supported them in client engagement and building wealth management practices. He holds a bachelor's degree in industrial engineering from Stanford University and has earned the Certified Investment Management Analyst® (CIMA®) designation awarded by the Investments & Wealth Institute™ (The Institute). He is also recognized as a Personal Investment Advisor (PIA). Residing in Menlo Park with his wife, Jill, and their three daughters, Stephen remains active in his community by supporting local educational foundations. He is a member of the Half Moon Bay Men's Golf Club and has interests that include baseball, football, golfing, spending time with family, surfing, and traveling.

Masoud Mohebi is a financial advisor at Morgan Stanley with eight years of industry experience. He has held positions at Morgan Stanley Private Bank, J.P. Morgan Securities LLC, JPMorgan Chase Bank, and Wells Fargo. Morgan Stanley Wealth Management serves both individual and institutional clients, offering comprehensive financial planning and advisory programs supported by structured planning processes and advanced modeling tools.

John Israel is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2020. He has been in the financial services industry since 1999, working with clients and families to support their financial goals. His professional focus is on wealth planning and providing tailored strategies for a variety of investor styles. Before his current role, John worked as a Relationship Manager at Fidelity Investments from 2015 to 2019. Prior to that, he served as a Brokerage Consultant at Wells Fargo Advisors between 2011 and 2015. His earlier career includes roles at Crédit Agricole as an Internal Auditor Manager from 2007 to 2011 and as a Capital Market Operation Supervisor from 2005 to 2007, as well as an Associate in Capital Market Operations at American Express from 1999 to 2005. John holds a California Insurance License.

Cynthia Cougoule is a financial advisor at J.P. Morgan Securities with 21 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Merrill, Bank of America, First Republic Investment Management, and JPMorgan Chase. Outside of her advisory role, she maintains a notary public appointment in California. 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 applying an ESG eligibility framework in its recommendations.

Brent Ross is a CFP® with 19 years of industry experience, currently affiliated with LPL Financial. He previously worked at Securities America, Inc. for 18 years and has maintained DC Design Studio since 2000. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, utilizing model portfolios, third-party subadvisors, and customized strategies, supported by advisor-facing technologies and a broad platform of non-advisory financial products.

Valentine Huang is a Senior Financial Advisor and Portfolio Manager at Merrill Lynch Wealth Management, located in Silicon Valley. He provides financial advisory services to corporations, affluent investors, and families, focusing on delivering tailored solutions to address complex wealth management challenges. His client services include support in areas such as education planning, employee benefits planning, equity compensation services, legacy planning, liquidity management, personal retirement planning, philanthropic planning, portfolio management services, and tax minimization. With over 23 years of experience in the financial services industry, Valentine has held key roles prior to joining Merrill Lynch. He was a Portfolio Manager and Wealth Advisor at Morgan Stanley's Menlo Park office, where he specialized in equity compensation strategies and worked closely with venture capital clients. He also served as a Director and Vice President at Barclays Capital and Lehman Brothers, heading the west coast Asia ex-Japan institutional equities desk. Valentine is registered with FINRA and holds the Series 7, 63, and 65 licenses, along with the Personal Investment Advisor (PIA) designation. He earned his Bachelor of Arts in Economics from the University of California Davis. Valentine resides in Belmont with his three sons. His personal interests include playing piano, golf, tennis, running, hiking, visiting museums, attending symphonies and concerts, and dining out.

Sandra Jerez is Vice President and Branch Leader at Fidelity Investments, where she leads a team of Financial Consultants and investment service associates. In her role, she oversees all aspects of branch operations, including customer interactions, team building, and training strategies. Sandra focuses on developing associates and managing operational activities to provide value to clients and assist them in achieving their financial goals through planning. Prior to joining Fidelity Investments in 2023, Sandra held positions at Merrill Lynch, serving as Performance Manager from 2019 to 2022 and as Market Leader from 2013 to 2019. She holds a California Insurance License.