Apostolos Kiriazis is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and six years of industry experience. He has worked within various divisions of JPMorgan Chase Bank, N.A. since 2012. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, focusing on asset-allocation advice, investment manager selection, and customized performance reporting through a process that incorporates quantitative modeling and ESG considerations.

Anthony Barnao is a Financial Advisor with Merrill Lynch Wealth Management, specializing in providing wealth management strategies tailored to individual client needs. He works with high net-worth individuals and households, helping them navigate the evolving financial landscape to pursue their long-term goals. His client focus areas include college education planning, family wealth management strategies, personal retirement planning, and retirement income. Anthony holds a Bachelor's Degree from Baylor University and has earned the Personal Investment Advisor (PIA) designation. He emphasizes a personalized approach, developing financial strategies collaboratively with clients to align with their specific objectives. In addition to his professional role, Anthony participates in community service, dedicating time to volunteer with local organizations. Outside of work, he interests include adventure sports, baseball, camping, fishing, hunting, and spending time with his family.

Deborah Krumwiede is a financial advisor at LPL Financial with 31 years of industry experience. She holds Series 63 and Series 65 designations and has previously worked at Cetera and Technology Credit Union. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad range of clients, including individuals, retirement plans, banks, and charitable organizations through a national network of investment adviser representatives. The firm offers various advisory programs and retirement plan consulting, providing both discretionary and non-discretionary management supported by research and model portfolios.

Lucas Orme is an Investment Consultant at Fidelity Investments, where he has been serving clients since 2024. Prior to his current role, he worked as a Financial Representative at Fidelity Investments from 2023 to 2024. In his capacity as an Investment Consultant, Lucas focuses on helping individuals and families make informed financial decisions through personalized, goal-driven planning tailored to their unique circumstances. Lucas holds a California Insurance License, enabling him to provide comprehensive financial guidance. He emphasizes building enduring client relationships based on trust, transparency, and open communication. Lucas collaborates closely with clients to develop customized financial plans that adapt as their lives change.

Bao Chau Nguyen Sun is a Wealth Management Advisor with Merrill Lynch Wealth Management. She specializes in working with families, individual investors, and business owners to define and help achieve their financial goals. Sun collaborates with Merrill Lynch Wealth Management specialists and Bank of America banking specialists to provide retirement planning services, focusing on lifetime income streams, education savings, estate planning, insurance, and asset preservation. Since joining Merrill Lynch Wealth Management in 1996, Sun has gained experience in family wealth management strategies, education planning, divorce transition planning, socially responsible investing, tax minimization, and retirement income. She works closely with clients and their trusted advisors such as attorneys and accountants to ensure individualized attention and solutions tailored to their unique financial circumstances. Sun holds several professional designations, including CERTIFIED FINANCIAL PLANNER™ (CFP), Certified Private Wealth Advisor® (CPWA), Chartered Retirement Planning Counselor™ (CRPC), and Personal Investment Advisor (PIA). She earned a master's degree from the University of Oregon and a bachelor's degree from Hanyang University. Sun is fluent in English and Korean. Outside of her professional work, she enjoys cooking, golfing, swimming, and spending time with her family, and she is involved in community volunteer activities.

A.J. del Castillo is a Financial Consultant currently working at Fidelity Investments since 2023. He has held various roles in the financial services industry, including positions as a Financial Advisor at Ameriprise Financial Services, LLC, Vice President and Financial Consultant at Charles Schwab, and multiple roles at Fidelity Investments dating back to 2004. With over twenty years of experience, A.J. specializes in working closely with clients to develop financial plans tailored to their individual goals. His approach emphasizes building strong relationships founded on trust and a thorough understanding of each client's needs. A.J. holds a California Insurance License. Outside of his professional work, he has personal interests in music and traveling.

Lisa Ball is a financial advisor with RBC Capital Markets, LLC, based in San Jose, CA. She holds the Series 66 designation and has 32 years of industry experience. Prior to joining RBC in 2018, she worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutional clients, and charitable organizations. The firm offers a range of advisory programs that provide portfolio management, financial planning, and brokerage services, utilizing both in-house and third-party investment managers.

Ye Luo is a financial advisor at LPL Enterprise with Series 66 registration and one year of industry experience. Prior to joining LPL Enterprise, Ye worked at PRUCO Securities, LLC and has a background in biotechnology and software, having held roles at Genapsys Inc and Pierry Software. Ye is also involved with Eutychia Venture LLC, an entrepreneurial venture ongoing since 2020. LPL Enterprise serves a diverse range of clients including individuals, retirement plans, charitable organizations, and institutional investors. The firm offers financial planning, advisory services, and access to model portfolios and third-party asset management, utilizing an integrated platform that combines advisory programs with brokerage and insurance products.

Selina Wu is a Financial Consultant at Fidelity Investments, a position she has held since 2024. Prior to this role, she served as Vice President Wealth Relationship Manager at HSBC from 2019 to 2024. She holds a California Insurance License, supporting her work in financial consulting and wealth management. Outside of her professional career, Selina has interests in art, family activities, fitness, food, pets, and singing.

Terrence Byrnes is a Wealth Management Advisor at Merrill Lynch Wealth Management. He holds multiple professional designations including CERTIFIED FINANCIAL PLANNER® (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR® (CPFA), Chartered Retirement Planning Counselor™ (CRPC), and the Sports & Entertainment Accredited Wealth Management Advisor™ (SE-AWMA®). Terrence focuses on helping high net-worth individuals, families, business owners, retirees, and endowments and foundations develop and maintain customized wealth management strategies. His expertise includes college education planning, corporate retirement plan services, legacy planning, personal retirement planning, tax minimization, and addressing the unique financial challenges faced by athletes and entertainers. Central to his approach is the principle of asset allocation and diversification, aiming to construct portfolios that balance risk while pursuing growth aligned with clients' goals. He earned a Bachelor of Science degree in Business Marketing from San Jose State University. Before joining Merrill Lynch, Terrence lived and worked in Japan for approximately seven years and speaks Japanese. He resides in Los Gatos with his wife Tammy and their three children. In his personal time, he enjoys playing pickleball, practicing karate, staying physically active, reading, and spending time with his family.

Silphy Ou is a financial advisor with LPL Enterprise in San Jose, CA, holding Series 63 and Series 65 licenses and totaling 17 years of industry experience. Prior to joining LPL Enterprise in 2024, Ou worked at Prudential Insurance Company of America and Pruco Securities, LLC from 2010 to 2024. Outside of advisory work, Ou is involved in real estate rental activities in Marina and Santa Clara, California. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers financial planning, consulting, access to model wealth portfolios, third-party asset management, and a range of brokerage and insurance products through an integrated advisory and brokerage platform.

Craig Cymrot is a financial advisor at Morgan Stanley with 33 years of industry experience. He has been with Morgan Stanley and its affiliates since 2007, including roles at Morgan Stanley Smith Barney and Morgan Stanley Private Bank. Outside of his advisory work, he is involved as a successor trustee in a trust based in Mountain View, California. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and financial planning services that utilize firm-approved tools and methodologies to support clients in achieving their financial goals.

Steven Shieh is a financial advisor at LPL Financial with one year of industry experience. He holds the Series 63 and Series 65 designations. Prior to his current role, he worked at BMO Harris Bank and Moss Adams. Outside of his advisory work, he is involved with JDA TSG Tax in a part-time capacity. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations. The firm offers a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management supported by LPL Research and third-party subadvisors.

Karen Peck is a financial advisor at Wells Fargo Clearing with 11 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Wells Fargo Clearing since 2016, following roles at Wells Fargo Advisors LLC and Wells Fargo Bank NA. Outside of her advisory work, she is involved in managing a commercial rental property through a family trust. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s IPS-driven process incorporates modern portfolio theory and includes a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Xiaoyu Jiang is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and six years of industry experience. Prior to joining Wells Fargo in 2024, Jiang worked at Citigroup, Merrill, and Bank of America. Outside of finance, Jiang has ownership in a rental property located in Honolulu, Hawaii. 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 offers both brokerage and advisory solutions, managing approximately $671 billion in assets through over 14,000 financial advisors.

Jessica Levan is a Certified Financial Planner (CFP®) with 17 years of industry experience. She has worked with J.P. Morgan Securities and JP Morgan Chase Bank, N.A. since 2013. Based in Morgan Hill, CA, she holds a Series 66 license. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors. The firm offers asset allocation advice, investment manager and fund searches, and customized performance reporting, combining large institutional advisory operations with broker-dealer and investment adviser registrations.

Gitanjali Mishra is a financial advisor with Fidelity who holds the Series 66 designation and has one year of industry experience. Prior to joining Fidelity, she worked at HSBC Securities (USA) Inc. and HSBC Bank USA National Association, and she spent ten years at Punjab National Bank. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to both retail and institutional clients, employing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to create model portfolios from mutual funds, ETFs, and ETPs. The firm also serves as a registered commodity pool operator and advises multiple registered investment companies and fund‑of‑funds.

Fernando Mellin is a financial advisor with J.P. Morgan Securities in San Jose, CA, holding Series 63 and Series 65 credentials and 11 years of industry experience. He previously worked at Wells Fargo for 18 years and is the owner of My Coco Inc, a business focused on the sales of imported coconuts and coconut water. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework. The firm delivers services on a non-discretionary basis, with client decision-making retained, and operates within the broader J.P. Morgan banking and broker-dealer organization.

Fane Opperman is a CFP® with 37 years of industry experience, currently serving at Wells Fargo Clearing since 2016. Prior to this, he worked at Wells Fargo Advisors LLC for seven years. He is an adjunct instructor at California State University, where he teaches a course on personal financial management. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a broader range of financial products than typical large institutional advisers.

Jason Cheng is Vice President and Branch Leader at Fidelity Investments, a role he has held since 2018. He has been with Fidelity Investments since 2013, previously serving as Assistant Branch Manager and Vice President - Financial Consultant. Prior to his tenure at Fidelity, Jason held various positions at Charles Schwab from 2006 to 2013, including Vice President - Financial Consultant, Investment Consultant, and Financial Representative. He began his financial services career at E*Trade Securities, working as a Financial Representative and Active Trader Specialist between 2003 and 2006. Jason holds a California Insurance License. He emphasizes the importance of hiring and developing financial advisors with integrity and dedication to effectively support clients as their primary advisors.