Steve Fang is an advisor at LPL Financial with four years of industry experience. He holds Series 63 and Series 66 designations and has worked at firms including J.P. Morgan Securities LLC, Fidelity Investments, and Charles Schwab. Fang is also a notary. 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 provides a range of advisory and brokerage services through a large network of investment adviser representatives, offering financial planning, model portfolio programs, third-party asset management access, and institutional platforms.

Kwanghyon Park is a CFP® professional with 20 years of industry experience, currently serving at Wells Fargo Clearing since 2019. He previously worked at Bank of America, N.A. for 10 years and Merrill for 13 years. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Demitra Kabitsis is a financial advisor at Ameriprise with two years of industry experience. She holds the Series 66 designation and has worked at Ameriprise since 2021. Prior to her advisory role, she was affiliated with the University of Colorado and Notre Dame High School. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement who meet specific eligibility criteria, providing written Recommendation Reports that address income sources, Social Security claiming options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Akbar Sahibzada is a financial advisor at Morgan Stanley in Mountain View, CA, holding a Series 66 designation with one year of industry experience. Prior to joining Morgan Stanley, he worked at U.S. Bank for three years and has held roles at BurgerIM and LocalNetwrks. 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, including tailored financial planning supported by structured discovery and firm-approved tools.

Vanessa Zapanta is a Series 66 licensed financial advisor with Morgan Stanley in Palo Alto, CA, where she has worked since 2021. She has two years of industry experience and previously spent nine years at Citibank N.A. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a broad range of advisory programs, including customized financial planning that employs structured discovery methods and firm-approved planning tools.

Edward Sickel III is a financial advisor with Wells Fargo Clearing in Palo Alto, CA, holding Series 63 and Series 65 licenses and bringing 56 years of industry experience. He previously worked at Wells Fargo Advisors LLC from 2009 to 2016 before joining Wells Fargo Clearing, where he has been since 2016. Outside of his advisory role, he serves as a co-trustee for family trusts. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with discretionary options and a broader set of financial product offerings, including insurance-related vehicles and bank deposit sweep programs.

Tran Ngo is a financial advisor at Fidelity with 17 years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at New York Life, Charles Schwab, and Charles Schwab Bank. Outside of his advisory role, he provides in-home supportive services as an independent contractor to assist an elderly family member. Tran is part of Strategic Advisers LLC, a Fidelity Investments company that offers investment management and advisory services to retail and institutional clients. The firm employs a blend of fundamental research and quantitative methods to construct model portfolios from mutual funds, ETFs, and ETPs, and serves a variety of clients including registered investment companies and charitable funds.

Gloria Infante is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and bringing 20 years of industry experience. Her career includes roles at Merrill and First Republic Investment Management prior to joining J.P. Morgan. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering asset-allocation advice, investment manager searches, and customized performance reporting. The firm's investment approach combines quantitative modeling and centralized due diligence, incorporating an ESG eligibility framework when recommending strategies.

Timothy Wallis is a Financial Consultant currently working at Fidelity Investments. He has been serving in this role since 2022, following his previous position as an Investment Consultant at Fidelity Investments from 2020 to 2022. Prior to that, he worked as a Financial Advisor at Merrill Lynch from 2017 to 2020. His professional experience encompasses financial consulting and investment advising, focusing on helping clients work towards achieving their financial goals. Timothy holds a California Insurance License, supporting his advisory capabilities. Outside of his professional activities, Timothy has personal interests in baseball, comedy, fitness, and hiking.

Alan Lui is a financial advisor with Wells Fargo Clearing in Palo Alto, CA, holding a Series 63 designation and 16 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2011 to 2016. He has also been employed by Wells Fargo Bank, N.A. since 2007. 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 a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Pavan Ravilisetty is a financial advisor at Wells Fargo Clearing with nine years of industry experience. He holds the Series 63 and Series 66 designations and has worked previously with firms including TIAA and J.P. Morgan Securities. 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 Wells Fargo Investment Institute and third-party sources.

Lucie Honosutomo is a financial advisor with RBC Capital Markets in San Jose, CA, holding Series 63 and Series 65 credentials and having 30 years of industry experience. Her prior roles include positions at Morgan Stanley Smith Barney and Morgan Stanley Private Bank. She currently serves clients through City National Bank and 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 a range of advisory programs that provide discretionary and non-discretionary portfolio management, financial planning, and brokerage services tailored to clients’ Advisory Risk Profiles.

Sharon Chung is a financial advisor with Morgan Stanley in Palo Alto, CA, holding a Series 66 designation and two years of industry experience. Her prior roles include work with the Judicial Council of California and various consulting and civic organizations. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and modeling techniques.

Marc Roth is a financial advisor with LPL Enterprise holding a Series 66 designation. He has less than one year of industry experience and has held roles at firms including Hertz Mobility Fleet Solutions, MassMutual, New York Life Insurance Company, and So Far Ocean Technologies. Outside of advisory work, he has been self-employed as an IHSS worker and has experience as a gig/app worker and in manufacturing with SF Laser/Abricate. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, and corporate and charitable entities. The firm employs a model-driven investment approach using portfolios developed by LPL’s Research Department and third-party strategists and offers services spanning financial planning, third-party asset management access, and affiliated insurance products.

Vallapuzha Sandhya is a financial advisor at Edelman Financial Engines with 12 years of industry experience. She holds a Series 65 designation and has been with Financial Engines Advisors L.L.C. since 2011. Edelman Financial Engines provides technology-enabled investment advisory services focused on workplace retirement accounts, IRAs, taxable accounts, and institutional clients. The firm manages model-based and customized portfolios, offers sub-advisory services, and supports a large participant base through both advisor-led and online platforms.

Gia Luu Phan is a financial advisor at Merrill with Series 63 and Series 66 licenses and three years of industry experience. Prior to joining Merrill, Phan worked at Bank of America, J.P. Morgan Securities, and JPMorgan Chase Bank. Additionally, Phan has been affiliated with Mission College since 2021. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party teams.

Runtao Liu is a financial advisor at Merrill with Series 66 designation and one year of industry experience. His prior work includes roles at Bank of America and positions outside the financial industry such as with Shanghai Flavor and the American Academy of English. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations.

Irene Allen is a financial advisor at Morgan Stanley with 26 years of industry experience. She holds the Series 63 and Series 65 licenses and has been with Morgan Stanley since 2009, including over a decade at Morgan Stanley Private Bank. Morgan Stanley Wealth Management provides a wide range of advisory services to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and investment research. The firm manages approximately $2.74 trillion in client assets and serves clients through direct relationships and corporate financial planning agreements.

Troy Okumura is a CFP®-designated financial advisor with Ameriprise, based in San Jose, CA, and has 13 years of industry experience. He previously worked at Kestra Advisory Services, LLC, and Transitions Wealth Advisors. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, known for its specialized Premier Retirement Income service that provides written recommendations and ongoing retirement-income planning focused on dependable income and tax-aware withdrawal strategies.

Yijuan Fan is a financial advisor at Cetera with the PFS™ designation and one year of industry experience. She has held roles at Cetera, JY Wealthcare, Avantax Advisory Services, and has been a tax partner at Johanson & Yau Accountancy Corporation since 2019. Fan is involved in providing comprehensive tax and accounting services through her referral financial advisory business, JY Wealthcare, LLC. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers portfolio management, financial planning, and a variety of program structures with access to multiple third-party managers and model portfolios.