Kelly Lee is a financial advisor at Ameriprise with 26 years of industry experience. She holds the Series 66 designation and has been with Ameriprise and its affiliated entities since 2008. Ameriprise provides retirement-income planning services focused on individuals nearing or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficient strategies to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Nicholas Kelly is a financial advisor at Fidelity with a Series 66 designation and approximately one year of industry experience. His prior work includes roles at UBS and various positions in education and community organizations. Outside of advisory work, he has experience with an insurance services firm. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, emphasizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction, including the use of model portfolios composed of mutual funds, ETFs, and ETPs.

Ling Wang is a financial advisor at Merrill with six years of industry experience. Prior to joining Merrill in 2021, Wang worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney from 2018 to 2021, and at RBC Financial Group from 2016 to 2018. Wang holds a Series 66 designation and is based in San Jose, CA. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to Bank of America fiduciary clients. The firm offers a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Matthew De Garmo is a CFP®-designated financial advisor with eight years of industry experience. He is currently with Wells Fargo Advisors and has prior experience at firms including AW Securities, Allworth Financial, Fidelity Brokerage Services, and The Vanguard Group. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients with investment and fee-based financial planning services. The firm offers a broad range of planning options using proprietary research and tools, delivering tailored recommendations through meetings and written summaries.

Michael Mckay is a Senior Financial Advisor at Merrill Lynch Wealth Management based in San Jose, CA. He has been involved in investing for 20 years across financial markets, real estate, and small businesses. His professional focus includes working with small and medium-sized businesses in the Higher Education industry, providing financial and wealth management strategies, financial education, retirement planning, and portfolio construction and management. Michael holds a Master's Degree in Personal Financial Planning from the College for Financial Planning and a Bachelor's Degree in Business Finance from San Diego State University. He possesses professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He and his wife have lived in Sunnyvale for more than eighteen years, raising their two sons. Michael has served as a Board member with the American Youth Soccer Association (AYSO) Region 44, acting as Community Program Outreach Director, reflecting his involvement in community activities related to youth soccer.

Melissa Barney is a financial advisor at Morgan Stanley with 20 years of industry experience. She has worked with Morgan Stanley Private Bank, National Association since 2015 and has been with Morgan Stanley Smith Barney since 2010. Barney holds the Series 66 designation and is based in San Jose, CA. 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 processes supported by advanced modeling tools.

Mark Grimsrud is a financial advisor with Wells Fargo Clearing in San Jose, CA, holding Series 63 and Series 65 licenses and with 22 years of industry experience. His prior roles include positions at J.P. Morgan Securities, Chase Investment Services Corp., and Wamu Investments. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, offering investment advisory services, financial planning, and retirement plan consulting across a broad range of solutions. The firm utilizes research and analytics to support its investment approach and distributes financial products through affiliated bank and insurance entities.

Erik Nelson is a financial advisor with Wells Fargo Clearing in San Jose, CA, holding Series 63 and Series 65 credentials and 13 years of industry experience. He has been with Wells Fargo Clearing since 2016 and has worked at Wells Fargo Bank NA since 2006. Nelson is a silent partner with 20% ownership in a restaurant business. Wells Fargo Advisors is a national securities firm providing investment advisory, financial planning, and retirement plan consulting services to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research and analytics from Wells Fargo Investment Institute.

Gabriella Wang is a financial advisor at Morgan Stanley in San Jose, CA, with 12 years of industry experience. She holds Series 63 and Series 66 designations. Her work history includes two tenures at Morgan Stanley, from 2015 to 2018 and from 2019 to the present, as well as a period at CyberX from 2018 to 2019. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and delivers its services both directly and through corporate financial planning agreements.

Dean Correa is a financial advisor with Wells Fargo Advisors in San Jose, CA, holding Series 63 and Series 65 licenses and 32 years of industry experience. He has been with Wells Fargo Advisors since 2014 and also owns Correa Wealth Management, a financial practice based in San Jose. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that offers investment and financial planning services to individuals, trusts, and institutions. The firm provides a broad range of planning services, including retirement, education, and specialized areas such as business-owner transition and special-needs planning, utilizing Wells Fargo research and planning tools to develop tailored client recommendations.

Humberto Mendivil Jr. is a financial advisor at Ameriprise with one year of industry experience. He previously worked at RBC Capital Markets, LLC for three years and has a background that includes roles at California State University Monterey Bay and Cypress Coast Physical Therapy. He holds the Series 66 designation and is based in San Jose, CA. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides clients with written recommendations and ongoing planning focused on income sources and tax-aware withdrawal strategies.

Thomas Bruckner is a financial advisor with Thrivent Investment Management in San Jose, CA. He holds a Series 66 designation and has 23 years of industry experience. He has been with Thrivent Financial for Lutherans and Thrivent Investment Management since 2002 and 2003, respectively. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering comprehensive written recommendations on various financial planning topics. The firm focuses on holistic, goal-based analyses and allows clients to integrate planning with managed-account services through a consolidated billing option called “WealthPlan,” while maintaining separate planning and investment management functions.

Jonathan Cymrot is a financial advisor at Morgan Stanley with a Series 66 designation and two years of industry experience. His prior experience includes roles at Legends Pizza Co. and teaching positions at San Francisco State University, University of Kansas, and Valley Christian schools. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and offers planning tools supported by its Global Investment Committee’s analyses.

Ayman Kahale is a financial advisor with Wells Fargo Clearing in San Jose, CA, holding Series 63 and Series 65 credentials and 39 years of industry experience. He previously worked at UBS Financial Services for 12 years before joining Wells Fargo in 2016. 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 and analytics.

Nhan Dang is a Financial Consultant currently working with Fidelity Investments since 2021. In this role, he collaborates closely with clients to provide personalized financial guidance, emphasizing the importance of building trust and empowering clients to make informed financial decisions. His professional experience spans several roles in the financial services industry, including positions as an Investment Consultant at Fidelity Investments from 2020 to 2021, Financial Solutions Advisor at Merrill in 2020, Associate Financial Consultant at Charles Schwab from 2018 to 2020, Private Client Banker at J.P. Morgan Chase from 2017 to 2018, and Business Banker at Citibank from 2014 to 2017. This diverse background supports his expertise in delivering individualized financial strategies. Nhan holds a California Insurance License, which complements his advisory capabilities. His team-oriented approach focuses on serving clients as unique partners, utilizing thoughtful and tailored strategies to address their financial goals.

Carol Rice is a financial advisor with Primerica Advisors in San Jose, CA, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. She has been with Primerica Financial Services and Primerica Advisors since the mid-1990s. Outside of advisory work, she is involved in the sale of home security and automation products through affiliated companies. Primerica Advisors provides discretionary asset management primarily for individual and high-net-worth clients through its Lifetime Investment Program, which includes model-delivery strategies and separately managed account options. The firm employs a tiered wrap-fee structure and curates third-party asset managers, delegating trading responsibilities to BNY Mellon Advisors.

Judy Fang is a financial advisor at Morgan Stanley with 30 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Smith Barney since 2012, following prior roles at Wells Fargo Clearing, Wells Fargo Investments, and Banc of America Investment Services. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and market models.

Jessica Chang is a financial advisor at Morgan Stanley with 21 years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley Private Bank, N.A. since 2015 and at Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management provides a wide array of advisory programs to individuals and institutional clients, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and modeling techniques.

Chia An Wang is a financial advisor at Ameriprise with two years of industry experience. Wang holds a Series 66 designation and has previously worked at Northwestern Mutual Investment Services LLC and several other firms. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement who meet specific asset criteria, combining research, modeling, and tax-efficiency analysis to provide written recommendation reports. The firm delivers a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Ivy Luu is a financial advisor with Wells Fargo Clearing in San Jose, CA, holding a Series 66 designation and 20 years of industry experience. She has worked at Wells Fargo Investments and Wells Fargo Clearing since 2005. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm offers both brokerage and advisory solutions and manages approximately $671 billion in assets through a large network of financial advisors.