Roberta Arakaki is a financial advisor at Morgan Stanley in San Jose, CA, with 25 years of industry experience. She has been with Morgan Stanley since 2014 and holds Series 63 and Series 65 licenses. Outside of her advisory work, she is involved in paper crafting and stamping, operating a small business focused on greeting cards and crafting products, and she also sells Tupperware as an independent contractor. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and financial planning services that utilize firm-approved tools and models to support client planning needs.

Jose Villalobos is a financial advisor at J.P. Morgan Securities with three years of industry experience. He previously worked at Bank of America, N.A./Merrill Lynch for eight years and has a background that includes legal experience at the Law Offices of Andrew B. Shin. Villalobos holds a Series 66 designation and is based in San Jose, CA. 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. The firm combines large institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

Tony Montini is a financial advisor with Wells Fargo Advisors in San Jose, CA, holding a Series 66 designation and 9 years of industry experience. He has been with Wells Fargo Advisors since 2016. Montini owns LAM Financial Inc., an investment-related business based in San Jose. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad planning menu that includes niche services such as business-owner transition planning and special-needs analysis, utilizing Wells Fargo research and tools to develop tailored client recommendations.

Prashant Dholakia is a Planning Consultant at Fidelity Investments, a role he has held since 2024. In this capacity, he focuses on providing clients with options aimed at achieving financial independence. Prior to his current position, he worked as a Relationship Manager at Fidelity Investments from 2022 to 2024. Before joining Fidelity Investments, Prashant was employed as a Relationship Banker at Wells Fargo Bank from 2019 to 2022. He holds a California Insurance License, which supports his expertise in financial planning and client relations. Outside of his professional responsibilities, Prashant has interests in hiking, traveling, and yoga.

Kanak Agarwal is a Vice President and Financial Consultant at Fidelity Investments, a role held since 2025. Kanak has been with Fidelity since 2021, initially serving as a Financial Consultant. Prior to joining Fidelity, Kanak worked as a Financial Solutions Advisor at Merrill Lynch from 2018 to 2021, and as an Investment Consultant at Scottrade from 2017 to 2018. Earlier, Kanak gained experience as a Personal Banker at Wells Fargo from 2012 to 2017. Kanak holds a California Insurance License. As a financial consultant, Kanak focuses on working closely with clients to understand their goals, concerns, and preferences in order to develop customized financial plans. Kanak emphasizes providing education, guidance, and maintaining ongoing personalized relationships with clients. Outside of work, Kanak enjoys cooking and baking, participating in family activities, outdoor adventures, and traveling.

James Morimoto is a Series 66-credentialed financial advisor with four years of industry experience. He is currently with Morgan Stanley Smith Barney LLC and previously worked at Schwarz Dygos Wheeler Investment Advisors. Outside of finance, he is involved with Arbiter Sports as a referee. Morgan Stanley Wealth Management serves individual and institutional clients with a variety of advisory programs, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process includes structured discovery, firm-approved tools, and modeling techniques such as Secular Return Estimates and Monte Carlo simulations.

Ken Zhang is a financial advisor with Merrill in San Jose, CA, holding Series 63 and Series 65 licenses and 24 years of industry experience. He has worked at Merrill and Bank of America since 2018 and was previously employed at Scottrade, Inc. from 2016 to 2018. Outside of his advisory role, he is associated with The KP Living Trust, a business based in Modesto, California. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Pierre Robin Dualan is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. He holds Series 63 and Series 66 licenses and has been with J.P. Morgan in various capacities since 2011. His background includes a seven-year tenure with the Golden State Warriors. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with affiliated brokerage, distribution, and investment management capabilities.

Cindy Gray is a financial advisor with Wells Fargo Clearing in Los Gatos, CA, holding a Series 66 designation and 20 years of industry experience. She has worked with Wells Fargo Clearing and Wells Fargo Advisors LLC since 2011. 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 grounded in modern portfolio theory. The firm is notable for including insurance-related vehicles and bank deposit sweep options among its investment menus, serving institutional clients with tailored plan solutions.

Katie Bogue is a financial advisor at LPL Financial with eight years of industry experience. She holds a Series 66 designation and previously worked at Waddell & Reed Inc. and Marquez Hsieh Group. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm provides a range of advisory programs, retirement plan consulting, and brokerage services, offering both discretionary and non-discretionary management supported by research and model portfolios.

Thomas J. Bisceglia is a financial advisor at UBS Financial Services with 16 years of industry experience. He holds the Series 66 designation and has been with UBS since 2009 in San Jose, CA. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, utilizing proprietary capital market assumptions and research to tailor plans to clients’ goals and risk tolerances. The firm combines institutional trading capabilities with wealth management services and provides custody, underwriting, and capital markets services.

Ian Mcintosh is a financial advisor at Ameriprise with 20 years of industry experience. He holds a Series 66 designation and has been with Ameriprise since 2005 in various capacities. Outside of his advisory work, he is involved with Fieldday Solutions, a business providing software applications for technical support groups. Ameriprise offers retirement-income planning services primarily for clients with significant investable assets, combining research and modeling with tax-efficient strategies. The firm delivers these services through a centralized consulting team working alongside financial advisors, supported by algorithmic tools and oversight committees.

Karen Lam is a financial advisor with Wells Fargo Clearing in Cupertino, CA, holding Series 63 and Series 65 licenses and having 22 years of industry experience. She has worked at Wells Fargo Clearing since 2017 and previously at Merrill from 2009 to 2017. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions grounded in an IPS-driven process and modern portfolio theory. The firm’s offerings include a range of investment options, including insurance-related vehicles and bank deposit sweep programs, serving institutional clients with tailored plan-level advisory services.

Penelope Kim is a financial advisor with LPL Financial in San Jose, CA, holding a Series 66 designation and two years of industry experience. She previously worked at UBS Financial Services and Wells Fargo Bank. Outside of advising, she is involved as an In-Home Supportive Services provider and participates in a family business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management supported by model portfolios and research.

Kimberly Grubisich is a financial advisor at Morgan Stanley with eight years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley Smith Barney LLC since 2013 and Morgan Stanley Private Bank, N.A. since 2022. She is based in San Jose, California. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s financial planning process involves structured discovery and firm-approved tools, but clients are responsible for implementing and updating their plans.

Suzy Fisk is a financial advisor at Edward Jones with 30 years of industry experience. She holds Series 63 and Series 65 designations and has been with Edward Jones since 2018. Suzy is approved to serve as a non-public arbitrator on FINRA’s roster, participating in dispute resolution panels occasionally. Edward Jones is a full-service wealth management firm serving over four million clients, including individual and institutional investors. The firm offers a range of advisory programs and investment strategies, operating under a fiduciary standard and supporting its services with a nationwide network of financial advisors and branch offices.

Rashmina Lalani is a Financial Consultant at Fidelity Investments, a role she has held since 2025. She has been with Fidelity Investments since 2023, initially serving as a Planning Consultant and Financial Representative. Prior to this, Rashmina worked as a Financial Advisor at Merrill Lynch from 2018 to 2020 and has held various analyst positions at firms including IGI Finex Securities, Tundra Fonder AB, Arif Habib Limited, and Alfalah GHP Investment Management. With over a decade of experience in the financial industry, Rashmina holds a CFA designation and an MBA. She possesses a California Insurance License. Her professional focus includes helping clients navigate life transitions with clarity and confidence, emphasizing personal and values-driven financial planning. Outside of her professional life, Rashmina's personal interests include family activities, fitness, social events with friends, movies, music, and reading.

Joshua Payne is a financial advisor with Primerica Advisors in San Jose, CA, holding Series 63 and Series 65 licenses and 17 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 2007. Outside of his advisory role, he is the owner of The Payne Group, Inc., which operates for Primerica business purposes. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and a limited number of discretionary separately managed account options to individual and high-net-worth clients. The firm curates third-party asset managers and delegates trading responsibilities to BNY Mellon Advisors, operating under a tiered wrap-fee structure.

Daphne Chan is a financial advisor at J.P. Morgan Securities with Series 63 and Series 66 credentials and two years of industry experience. She has worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A., and previously held roles at Futu Inc/MooMoo Financial Inc and Standard Chartered/Hong Kong Bank. 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.

Manuel Baca is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and nine years of industry experience. His career includes multiple roles at Wells Fargo entities since 2015 and a one-year position at Fidelity Investments. Outside of finance, he was involved with West Coast Fitness LLC from 2021 to 2022. 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 advisory process is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.