Timothy Kang is a financial advisor with Thrivent Investment Management in San Jose, CA, holding Series 63 and Series 66 licenses and having one year of industry experience. His prior work includes roles at Thrivent Financial, Walker & Dunlop, LLC, and PredictView Technologies. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering comprehensive, goal-based financial analyses without discretionary trading authority. The firm’s approach separates planning from portfolio management and allows clients to integrate planning with managed accounts under a consolidated billing option.

Benjamin Pang is a financial advisor with Primerica Advisors in San Jose, CA, holding Series 65 and Series 63 licenses with one year of industry experience. Prior to his advisory role, he worked in the education sector at Milpitas Unified School District and San Benito High School District. He is also a partner in Besaga LLC and Besato LLC. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm uses model-delivery strategies managed by third-party asset managers and supports trade execution and custody through BNY Mellon Advisors and Pershing.

Nicolas St Geme is a financial advisor with RBC Capital Markets in San Jose, CA, holding a Series 66 designation and three years of industry experience. He has been with RBC Capital Markets, LLC since 2022 and previously worked at New York Life Insurance Company. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers multiple advisory programs that provide discretionary and non-discretionary portfolio management, financial planning, and brokerage services tailored to clients' risk profiles.

David Crockett is a financial advisor with Primerica Advisors in San Jose, CA, holding Series 63 and Series 65 licenses and 23 years of industry experience. He has worked with Primerica since 2002 and spent one year at UCT Marchi. In addition to his advisory role, he receives compensation for referrals related to home security, automation products, and loan services through affiliated companies. Primerica Advisors is a large institution serving primarily individual investors, as well as corporate and charitable clients, through a wrap-fee asset management program. The firm offers model-based investment strategies and manages approximately $15.5 billion in assets with support from third-party asset managers and custodians.

Ronald Gunawan is a Financial Consultant currently working at Fidelity Investments since 2023. He has held roles in the financial services industry including Private Client Advisor at JPMorgan Securities LLC from 2020 to 2022 and Private Client Banker at JPMorgan Chase Bank from 2016 to 2020. His professional focus includes wealth planning and financial consulting, with an emphasis on building lasting relationships and helping clients work towards goals such as comfortable retirement, wealth accumulation, and maintaining their current lifestyle. Ronald holds a California Insurance License, supporting his expertise in financial planning. No additional information regarding education, credentials beyond insurance licensing, personal interests, or community involvement was provided.

Arian Panahpourtehrani is a financial advisor at Merrill based in San Jose, CA, holding a Series 66 designation. He has prior experience with Bank of America and Citi Bank, spanning roles since 2017. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a diverse client base that includes individuals, high-net-worth clients, and institutional fiduciaries.

Ting O'Connor is a financial advisor with UBS Financial Services in San Jose, CA, holding a Series 66 credential and 26 years of industry experience. Prior to joining UBS in 2023, O'Connor worked at Bank of America and Merrill. Outside of advisory work, O'Connor owns and manages a sole proprietorship investment related to a vacation home and is owner of a single-member LLC used for asset protection and liability management purposes. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory offerings, combining institutional trading capabilities and wealth management services through a broad platform that includes financial planning, portfolio management, and market-making activities.

Alan Huynh is an Investment Consultant at Fidelity Investments, where he collaborates with clients to assist them in making informed decisions regarding their financial futures. He emphasizes understanding each client's goals, time horizon, and risk tolerance to offer personalized guidance. Prior to his current role, Alan worked as a Financial Consultant at Equitable Advisors from 2022 to 2025. He holds a California Insurance License. Outside of his professional work, Alan has interests in food, movies, outdoor adventures, pets, and theater.

Andrew Minker is a financial advisor at Equitable Advisors with 28 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Ameriprise for 27 years. He serves as a trustee for a personal trust. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm uses a hybrid referral and implementation model and offers both advisory and brokerage/insurance channels to implement client recommendations.

Joyce Irmer is Vice President and Financial Consultant at Fidelity Investments, a role she has held since 2020. She has been with Fidelity Investments since 2011, progressing through positions including Financial Services Associate, Financial Representative, Relationship Manager, Investment Consultant, and Financial Consultant. Her professional experience centers on wealth planning and financial consulting. Joyce holds a California Insurance License. She is dedicated to working closely with clients to develop and maintain customized financial plans tailored to their individual needs. Outside of her professional responsibilities, Joyce enjoys comedy, family activities, exploring food, parenthood, reading, and traveling.

Phuong Pham is a financial advisor with Ameriprise in San Jose, CA, holding a Series 66 designation and 20 years of industry experience. Pham has been with Ameriprise and its affiliate Ameriprise Financial Services since 2005. Ameriprise provides a retirement-income planning service focused on individuals approaching or in retirement with significant investable assets. The firm employs a combination of research, modeling, and tax-efficiency analysis to deliver tailored recommendation reports through a centralized consulting team.

Timon Shaw is an Investment Consultant at Fidelity Investments, a role he has held since 2025. His approach centers on understanding clients' risk tolerance, investment preferences, and personal backgrounds to develop financial plans aimed at achieving financial freedom for individuals and families. Prior to his current position, Timon served as Associate Vice President of Private Markets at Upmarket from 2023 to 2024. He also has experience as a Financial Advisor and Client Associate at Merrill between 2019 and 2021. Timon holds a California Insurance License. Outside of his professional work, Timon has personal interests that include attending concerts, fitness activities, football, golf, and snowboarding.

Vy Dang is a financial advisor with J.P. Morgan Securities in Santa Clara, CA, holding Series 63 and Series 66 licenses and bringing seven years of industry experience. She has worked at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2018. Outside of her advisory role, she operates a small e-commerce business selling used clothing and branded bags. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, combining large-scale institutional advisory with brokerage and investment management capabilities. The firm offers asset allocation advice and investment manager searches on a non-discretionary basis, with recommendations supported by an in-house manager solutions team and a centralized due-diligence framework.

Brian Lamb is a financial advisor with J.P. Morgan Securities in San Jose, CA, holding a Series 66 designation and 18 years of industry experience. He has been with J.P. Morgan Chase Bank and J.P. Morgan Securities since 2011. 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 through a large team of Wealth Advisors. The firm combines institutional advisory operations with brokerage, distribution, and investment management services.

Paul Kim is a financial advisor with Stifel in San Jose, CA, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. He previously worked at Morgan Stanley and Morgan Stanley Private Bank, National Association, before joining Stifel in 2018. Stifel serves a wide range of clients, including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services supported by a proprietary investment methodology developed by its Investment Strategy Group. The firm also provides services to private funds and municipal entities, operating alongside affiliated trust companies and banks.

Chi Kim is a financial advisor with Ameriprise in San Jose, CA, holding a Series 66 designation and 20 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Ameriprise offers a retirement-income planning service tailored for individuals approaching or in retirement who meet specific asset criteria, combining research, modeling, and tax-efficiency analysis to provide written recommendations. The firm serves clients through a centralized consulting team and provides a broad range of advisory, brokerage, and insurance solutions typical of a large institutional firm.

Christopher Milner is a financial advisor at Merrill in San Jose, CA, holding a Series 66 designation with eight years of industry experience. His prior work includes positions at Northwestern Mutual Life Insurance Company and Northwestern Mutual Investment Services LLC. Merrill provides managed account services to Bank of America fiduciary clients through the 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. The firm integrates into Bank of America’s corporate platform, providing access to a broad set of products and services.

Andrew Liu is a CFP® and Series 66-registered financial advisor with Wells Fargo Clearing, based in San Jose, CA. He has 23 years of industry experience, including over a decade at Wells Fargo Clearing and prior experience at Wells Fargo Advisors, LLC. Wells Fargo Clearing offers retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, providing both discretionary and non-discretionary investment advisory options. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

Jesus Maciel is a financial advisor with J.P. Morgan Securities in San Jose, CA, holding Series 63 and Series 66 licenses and having 10 years of industry experience. He has worked at various J.P. Morgan entities since 2016. Outside of his advisory role, he is an owner and partner of La Michoacana Plus, an ice cream parlor. J.P. Morgan Securities LLC primarily serves institutional clients and retirement plan sponsors, providing investment consulting and advisory services that include asset-allocation advice, investment manager searches, and customized performance reporting on a non-discretionary basis.

Linh Truong is a financial advisor with Raymond James Financial Services Advisors, Inc. in Cupertino, CA, holding Series 63 and Series 65 credentials and possessing 23 years of industry experience. Linh has been associated with Raymond James since 2012 and concurrently works with First Tech Federal Credit Union since 2014. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, charitable organizations, corporations, and public entities. The firm primarily provides financial planning and non-discretionary investment consulting, utilizing a range of implementation options and supported by extensive research and an affiliate network.