Melvin Honda is a financial advisor at Mass Mutual Investors Services with 44 years of industry experience. He holds the ChFC® designation along with Series 63 and Series 66 licenses. His career includes roles at MetLife Securities and Massachusetts Mutual Life Insurance Company. Outside of advising, he operates as an independent insurance agent specializing in dental, group disability income, life, accident, health, and long-term care insurance. Mass Mutual Investors Services, a subsidiary of MassMutual, provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative, annual financial planning relationships and offers a range of programs including educational seminars and divorce planning.

Phong Ly is a financial advisor at J.P. Morgan Securities with nine years of industry experience. He holds the Series 66 designation and has worked at multiple JPMorgan-affiliated entities since 2017, with prior experience at Chase from 2007 to 2017. 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 research, and customized performance reporting. Their advisory process incorporates both quantitative and qualitative due diligence and includes specialized regulatory registrations that support derivatives and commodities capabilities.

Kevin Fitzgerald is a financial advisor at OSAIC with 38 years of industry experience. He holds a Series 66 designation and has worked at firms including Securities America Advisors, Inc. and Investacorp Inc. He is also the owner of Trinity Financial Services, a fixed insurance business. OSAIC serves a diverse client base including retail and institutional investors, offering brokerage and advisory services through a multi-advisor platform. The firm emphasizes model-based asset allocation and portfolio optimization, supporting a variety of investment programs and managing complex affiliate relationships.

Michael Santangelo is a Series 66-registered financial advisor with 12 years of industry experience. He has worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2018. Outside of his financial career, he has been involved with several community churches. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. Their advisory approach combines quantitative and qualitative research to deliver written asset allocation advice, investment manager searches, and customized performance reporting, with clients retaining final decision-making authority.

Paul Wong is a financial advisor at Cetera with 27 years of industry experience. He holds a Series 66 designation and has been with Cetera and its affiliates since 1999. In addition to his advisory role, he provides notarial services for clients. Cetera Investment Advisers LLC serves a broad client base including individuals, employer-sponsored retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager investment platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Ronald Lohbeck is a financial advisor at UBS Financial Services with 57 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Wells Fargo Clearing and RBC Capital Markets. Outside of his advisory role, he manages rental properties in Kamuela, Hawaii. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides research and capital markets solutions through its proprietary platforms.

Eliezer Lopez is a financial advisor with LPL Financial in San Jose, CA, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. His prior work includes roles at Wells Fargo Clearing, UBS Financial Services, and Citigroup Global Markets. He operates a business under the name Sequoia Wealth Advisors & Investment Management, Inc. 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 portfolio programs, third-party asset management, and institutional platforms.

Yingquan Zhang is a financial advisor at Wells Fargo Clearing with Series 65 and Series 63 credentials and two years of industry experience. Prior to joining Wells Fargo Clearing, Zhang held positions at BMO Harris Bank, LPL Financial, CitiGroup, and CitiBank. Outside of his advisory work, he has been involved with IHSS since 2017. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm employs over 14,000 advisors and manages approximately $671 billion in assets, offering both brokerage and advisory solutions supported by research from the Wells Fargo Investment Institute.

Collin Chu is a financial advisor at Merrill with five years of industry experience. He holds a Series 66 designation and has worked at Bank of America, N.A., Merrill, Ardent Capital, and has prior experience at San Jose State University and Round Table Pizza. 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 strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Te Hsin Yuan is a financial advisor at Charles Schwab in Fremont, CA, holding a Series 66 designation with 19 years of industry experience. He has worked at Charles Schwab since 2013, following previous roles at Merrill, Fidelity, and Banc of America Investment Services. Charles Schwab serves a large client base primarily consisting of 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 advisory relationships and access to discretionary separately managed accounts, supported by multi-asset model portfolios and due diligence on alternative investments.

Vivek Thoppay is a Wealth Management Advisor at Merrill Lynch Wealth Management. He leads The Thoppay Team, serving a select group of executives, entrepreneurs, business owners, and multi-generational families. Since starting his career at Merrill Lynch in 2002, Vivek has built a team emphasizing intellectual rigor, thoughtful customization, and committed service to address the complex financial needs of his clients. Vivek advises clients on a variety of areas including management of concentrated stock, liquidity events, estate planning, tax minimization, retirement income, and philanthropy. His approach includes coordinating with clients' CPAs, attorneys, and other professional advisors to ensure a comprehensive financial strategy. He holds multiple professional designations, including Certified Exit Planning Advisor (CEPA), CERTIFIED FINANCIAL PLANNER (CFP), Certified Investment Management Analyst (CIMA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Certified Private Wealth Advisor (CPWA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Vivek earned bachelor's and master's degrees from the University of Virginia, University of Houston System, and Santa Clara University. He resides in Saratoga, California, with his wife and two sons.

David Marroquin is a financial advisor at Merrill with one year of industry experience. He holds a Series 66 designation and has previously worked at Bank of America, New York Life, and AT&T. Outside of his advisory role, he works part-time as a driver consultant for Uber in San Francisco. 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.

Mark Hansen is a financial advisor with OSAIC, holding Series 63 and Series 65 credentials and 11 years of industry experience. His prior roles include positions at Securities America Advisors, Inc., KMS Financial Services, Inc., and National Planning Corporation. OSAIC serves a diverse client base, including individual investors, retirement plans, charities, and corporations, offering brokerage and advisory services through a multi-advisor platform. The firm’s investment approach features model-based asset allocation and portfolio optimization with discretionary and third-party management options.

Sandra Kopanos is a financial advisor with UBS Financial Services in San Jose, CA, holding a Series 66 designation and 17 years of industry experience. She previously worked at Wells Fargo Clearing for six years before joining UBS in 2022. Outside of her advisory role, she provides consulting on alternative energy through Ambit Energy and serves as a notary public. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and advisory offerings, including financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor advice to clients’ goals and risk tolerances.

Diana Llegue is a financial advisor at J.P. Morgan Securities in Mountain View, CA, holding a Series 66 designation. She has been working in the financial industry since 2024, with prior experience at Wells Fargo and B & L Lee Inc. Before entering finance, she worked in the development and hospitality sectors. 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 written asset allocation advice, investment manager searches, and customized performance reporting. The firm combines quantitative and qualitative research with a forward-looking approach to build model asset allocations and offers broader derivatives and commodities capabilities.

James Park is a financial advisor with Edward Jones in San Jose, CA, holding Series 66 and Series 63 licenses and two years of industry experience. Prior to joining Edward Jones, he worked at several mortgage and lending firms, including Loan Factory Inc. and Ameritrust Mortgage Corporation. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions, supported by a nationwide network of financial advisors and branch offices.

Jason Styczynski is a financial advisor with Ameriprise in Morgan Hill, CA, holding a Series 66 designation and 23 years of industry experience. He has been with Ameriprise and its affiliated entities since 2003. Outside of his advisory role, he serves as Chair of the Investment Committee at Notre Dame San Jose High School, overseeing the stewardship of the school’s investments. Ameriprise offers retirement-income planning services primarily for individuals with significant investable assets, combining research and modeling with tax-efficient strategies. As a large institutional firm, it provides a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Antonio Arlia is a financial advisor at Fidelity with a Series 66 designation and six years of industry experience. He previously worked at Bank of America and Merrill, and has held roles at West Valley College and San Jose State University. Fidelity's Strategic Advisers LLC provides investment management and advisory services to both retail and institutional clients, employing a process that combines proprietary fundamental research with quantitative analysis and algorithmic portfolio construction. The firm is notable for its formal advisory role to multiple registered investment companies and its use of algorithmic methods and AI in portfolio management.

Feroz Subedar is a financial advisor with Charles Schwab in Los Altos, CA, holding a Series 66 designation and 18 years of industry experience. His career includes prior roles at Ummah Investments LLC, Optima Investment Management LLC, and Scottrade/TD Ameritrade Services. He has been with Charles Schwab and Charles Schwab Bank since 2019. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering both non-discretionary investment guidance and access to discretionary separately managed accounts. The firm’s integrated structure combines advisory, brokerage, custody, and cash-sweep services with a focus on multi-asset model portfolios and alternative investments.

Laura Grant is a Financial Consultant at Fidelity Investments, a position she has held since 2023. She has been with Fidelity Investments since 2015, serving in various roles including Planning Consultant, Relationship Manager, and Financial Representative. Laura focuses on wealth planning and collaborates with clients to develop customized financial plans tailored to their individual needs. She holds a California Insurance License, supporting her expertise in financial services. Outside of her professional work, Laura enjoys cooking and baking, fitness, music, spending time with pets, running, and traveling.