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.

Carmen Irving is a financial advisor at Edward Jones in Scotts Valley, CA. She holds a Series 66 designation and has experience working at Edward Jones since 2024, with prior roles at Pacific Home Design and SJ Kellerman & Associates. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including both high-net-worth and non-high-net-worth households. The firm offers a range of investment advisory programs and maintains a large nationwide network of financial advisors and branch offices.

Linda Smestad is a financial advisor with LPL Financial in San Jose, CA, holding Series 63 and Series 65 licenses and 28 years of industry experience. She previously worked at Commonwealth Financial Network for 20 years and has been involved with Investment House for over three decades. Outside of advising, she has engaged in tax preparation services. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions through a large network of advisors. The firm offers a range of financial planning and asset management solutions, utilizing model portfolios, third-party subadvisors, and customized strategies.

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 in San Jose, CA, holding a Series 66 designation and bringing 33 years of industry experience. Her career includes prior roles at Wells Fargo Clearing and UBS Financial Services, as well as earlier tenure with RBC Capital Markets. 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 various advisory programs that provide tailored portfolio management and financial planning services, utilizing both in-house and third-party investment managers.

Ye Luo is a Series 66-licensed financial advisor with LPL Enterprise in San Jose, CA, and has one year of industry experience. Prior to joining LPL Enterprise, Ye worked at PRUCO Securities, LLC and has been involved with Eutychia Venture LLC for six years. Ye's background also includes experience in biotech diagnostics and software companies. LPL Enterprise, LLC offers investment advisory and brokerage services to a wide range of clients, including individuals, high-net-worth investors, retirement plans, and corporate entities. The firm employs a model-driven investment approach using portfolios developed by internal research and third-party strategists, and provides financial planning, access to asset managers, and insurance product facilitation through affiliated entities.

Stephen Crowell is a Financial Consultant based in the Sunnyvale office at Fidelity Investments. He works with individuals, families, and business owners, focusing on advanced financial goals including financial planning and organization, tax efficient investing, equity compensation, and managing complex transition events. Stephen has been with Fidelity Investments since 2018, initially serving as an Investment Consultant before becoming a Financial Consultant in 2019. Prior to joining Fidelity, he worked as a Financial Advisor at Edward Jones from 2017 to 2018. He holds a California Insurance License.

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 with 18 years of industry experience. His prior experience includes roles at Prudential Insurance Company of America and Pruco Securities, LLC. Outside of advisory work, he is involved in real estate rental activities. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth investors, retirement plans, and institutional entities. The firm primarily employs a model-driven investment approach and offers access to third-party asset managers, financial planning, and affiliated trust and insurance services.

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 with LPL Financial based in San Jose, CA. He holds Series 63 and Series 65 credentials and has one year of industry experience. Prior to joining LPL Financial, he worked at BMO Harris Bank and Moss Adams. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management services, utilizing both proprietary research and third-party strategies across advisory and brokerage platforms.

Karen Peck is a financial advisor with Wells Fargo Clearing in San Jose, CA, holding Series 63 and Series 65 licenses and bringing 12 years of industry experience. She has been with Wells Fargo Clearing since 2016 and has worked at Wells Fargo Bank NA since 2012. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by research from the Wells Fargo Investment Institute and third-party sources.

Aaron Schure is a financial advisor at Charles Schwab in Sunnyvale, CA, holding a Series 66 designation with one year of experience. His prior work experience includes roles at Charles Schwab Bank, Sports Basement, AmeriCorps, and Stingray Volleyball Club. Charles Schwab & Co., Inc. serves primarily 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 guidance alongside access to discretionary separately managed accounts and employs multi-asset model portfolios with strategic asset allocation.

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 CFP® professional with 18 years of industry experience, currently working with J.P. Morgan Securities since 2013. Her prior roles include positions at Chase Investment Services Corp. and MSI Financial Services, Inc. She is based in Morgan Hill, CA. J.P. Morgan Securities provides institutional consulting services focused on written asset allocation advice, investment manager and fund searches, and customized performance reporting for plan sponsors, corporations, and endowments. The firm’s advisory process combines quantitative and qualitative research to build model asset allocations, and it offers capabilities including derivatives and commodities through various regulatory registrations.

Gitanjali Mishra is a financial advisor at Fidelity with two years of industry experience. She holds a Series 66 designation and has held positions at HSBC Securities, HSBC Bank USA, and Punjab National Bank prior to joining Fidelity. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a mix of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm serves a diverse client base, including registered investment companies, and utilizes systematic methodologies and delegated sub-advisers in its management approach.

Fernando Mellin is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Wells Fargo and JPMorgan Chase Bank, N.A. From 2015 to 2018, he was the owner of My Coco Inc., a business focused on the sales of imported coconuts and coconut water. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process combines quantitative and qualitative research with a forward-looking approach to capital markets and incorporates ESG criteria where applicable.

Fane Opperman is a CFP® professional with 38 years of industry experience, currently affiliated with Wells Fargo Clearing since 2016. He previously worked at A. G. Edwards & Sons, Inc. for 11 years. Opperman serves as an adjunct instructor in Personal Financial Management at California State University. 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 across more than 14,000 financial advisors and offers both brokerage and advisory solutions.

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.