Tonia Rhoe is a financial advisor with Primerica Advisors based in San Jose, CA, holding Series 63 and Series 65 licenses and possessing 15 years of industry experience. Her work history includes roles at The Sequoia Group, Valley Church, PFS Investments Inc., and Primerica Financial Services. She is involved in the sale of investment-related products and also participates in referrals for non-investment home security and automation services through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and selectively managed accounts. The firm curates third-party asset managers and uses a tiered wrap fee structure, focusing on personalized portfolio management rather than institutional plan management.

Vinh Tran is a financial advisor with J.P. Morgan Securities in Cupertino, CA, holding Series 63 and Series 66 licenses and 20 years of industry experience. He has been with J.P. Morgan Securities and JPMorgan Chase Bank since 2012. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a program focused on written asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence and a combination of quantitative and qualitative research.

Brian Yoo is a financial advisor with Wells Fargo Clearing in Palo Alto, CA. He holds a Series 66 designation and has over 13 years of experience at Wells Fargo affiliated entities, including Wells Fargo Bank and Wells Fargo Clearing Services. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Simon Bonilla is a financial advisor at Morgan Stanley in Los Gatos, CA, holding Series 63 and Series 65 licenses with eight years of industry experience. His work history includes roles at Morgan Stanley since 2020, as well as previous positions at UnionBanc Investment Services and MUFG Union Bank. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and advisory services without providing individual security recommendations as part of its standalone planning program.

Adam Anderson is a financial advisor with Morgan Stanley in Cupertino, CA, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has worked at Morgan Stanley Smith Barney LLC since 2009 and has been with Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management offers a variety of advisory programs to individuals and institutional clients, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and market modeling techniques.

James Shaw is a financial advisor at Merrill based in San Jose, CA, holding a Series 66 designation with one year of industry experience. His prior work includes roles at Bank of America, Boston Consulting Group, Brown Brothers Harriman, and State Street Global Advisors. Outside of his advisory duties, he serves as President and CEO of Convoy for a Cause, an organization that hosts sports car rallies to raise funds for the L-D Syndrome Foundation. Merrill serves a broad range of clients, including individuals, retirement plans, corporations, and institutional clients, offering managed account programs, third-party manager selection, discretionary portfolio management, and brokerage services. The firm emphasizes tax-focused capabilities and benefits from deep integration with Bank of America affiliates and the broader banking and capital markets platform.

Mark Barnao is a Sales Manager at Merrill Lynch Wealth Management, where he has been employed since 1996. He leads The Barnao Group, which serves small businesses and individual clients, assisting with investments, wealth planning, banking, lending, and estate planning. His client focus includes corporate benefits, corporate executive services, education planning, liquidity management, and portfolio management services. Mark grew up in upstate New York and holds a Bachelor's Degree from Cornell University as well as an Accredited Certificate from the Naval War College. Prior to joining Merrill Lynch, he served in the Navy as a Surface Warfare Officer and worked as a Production Manager. He holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He participates in professional organizations such as the USS Midway and USS Chosin Alumni Associations and is involved in the Cornell University Alumni Association. Mark resides in Morgan Hill, CA, and his team utilizes the broad platform of Merrill and the banking products and services of Bank of America to assist clients.

Donald Elliott is a financial advisor with LPL Financial in Los Gatos, CA, holding Series 65 and Series 63 licenses and 28 years of industry experience. His career includes positions at Janus Henderson Investors, Cadaret, Grant & Co., and Wells Fargo Investments. He is involved with Elliott Family Wealth, a family business entity unrelated to investment activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement participants, banks, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to third-party asset management, utilizing various model portfolios and customized strategies.

Vinay Chandok is a financial advisor at Fidelity with two years of industry experience and holds a Series 66 designation. His background includes roles at Classic Realty and Mortgage, Loan Depot, Wells Fargo Home Mortgage, Bank of America, and Classic Financial Group Inc. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a process that combines proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm serves a diverse client base including charitable funds and registered investment companies, offering discretionary and non-discretionary advisory services along with managed model portfolios.

Lucas Thai is a financial advisor at Fidelity with Series 63 and Series 66 credentials and three years of industry experience. Prior to joining Fidelity, he held roles at JPMorgan Chase and J.P. Morgan Securities. Outside of his advisory work, he owns and operates a car rental business through Luminous Motions LLC. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a broad client base, using a combination of proprietary fundamental research and quantitative analysis to construct model portfolios from mutual funds, ETFs, and ETPs. The firm also serves as a registered commodity pool operator and advises multiple registered investment companies.

Daniel Kolb is a financial advisor with Morgan Stanley in Menlo Park, CA, holding a Series 66 designation and 15 years of industry experience. He has worked with Morgan Stanley Smith Barney since 2011 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing advisory programs and tailored financial planning to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools supported by its Global Investment Committee.

Donghyup Shin is a CFP® professional with 16 years of industry experience, currently advising at Charles Schwab in Los Altos, CA. He has worked at Charles Schwab and Charles Schwab Bank since 2017 and previously at U.S. Trust from 2015 to 2017. 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 combines a non-discretionary advisory model with access to discretionary separately managed accounts and uses multi-asset model portfolios supported by proprietary research and a formal alternative-investment process.

Gilbert Zucker is a financial advisor with Morgan Stanley in Palo Alto, CA, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. His career includes tenures at Merrill and Bank of America before joining Morgan Stanley and its affiliated entities in 2020. Morgan Stanley Wealth Management provides a wide range of advisory programs and financial planning services to individuals and institutions, managing approximately $2.74 trillion in client assets. The firm’s approach involves structured planning tools and investment modeling, serving clients through personalized financial advice and estate planning strategies.

Robert Gardner is a Series 66-licensed financial advisor with 22 years of industry experience. He has worked at Wells Fargo Clearing since 2024 and previously held positions at Charles Schwab and TD Ameritrade. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory services. The firm’s approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options in its investment menus.

David Mumford is a financial advisor with Morgan Stanley in Palo Alto, CA, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. His career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and committee-driven investment estimates in its financial planning process.

Kiara Adrienne Jaro is a financial advisor at Fidelity with a Series 66 credential and one year of industry experience. Her prior roles include work with the Bay Area Ballet Con, Myriad Music School, and the San Francisco Giants. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional investors, including fund advisory and model portfolio delivery. The firm integrates fundamental research with quantitative analysis and algorithmic portfolio construction, and serves as an advisor to multiple registered investment companies.

Carl Wong is a Financial Consultant currently working at Fidelity Investments since 2024. He has extensive experience in the financial services industry, having served as a Financial Consultant at Charles Schwab from 2020 to 2024, Branch Manager roles at TD Ameritrade from 2018 to 2020 and at Scottrade from 2016 to 2018, and as an Investment Consultant at TD Ameritrade from 2014 to 2016. In his role, Carl focuses on helping clients strengthen their financial wellbeing by collaborating to create customized planning strategies. He emphasizes understanding clients' goals thoroughly and providing personalized guidance, aiming to build lasting relationships and support clients through various life stages. Carl holds a California Insurance License. Outside of his professional work, Carl has personal interests in comedy, hiking, and movies.

Robert Nemec is a financial advisor with Mass Mutual Investors Services in Cupertino, CA, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. He has been with MML Investors Services and Mass Mutual Life Insurance since 2006. Outside of his advisory role, he is involved in life and health insurance as an outside insurance agent. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning, asset management, and educational seminars, employing firm-approved software tools and structured annual planning engagements.

Dione Luu Wong is a Wealth Management Advisor with Merrill Lynch Wealth Management. She has been serving clients since 1993, focusing on creating individually customized wealth management strategies that consider each client's risk tolerance, time horizon, liquidity needs, investment goals, and cost implications. Dione collaborates with a team of specialists to offer services including portfolio management, education funding, retirement planning, estate and trust services, liability management, tax minimization, and asset preservation strategies. Dione holds a Bachelor's Degree in Economics with an emphasis in International Business from the University of California Santa Cruz. She has earned professional designations including Certified Private Wealth Advisor (CPWA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Fluent in Cantonese, Mandarin, and Vietnamese, she is equipped to work with a diverse clientele. Outside of her professional work, Dione enjoys music, reading, yoga, and spending time with her husband and two daughters. She is committed to building long-term relationships with clients and helping them make informed financial decisions.

Andrew Kropp is a financial advisor with Morgan Stanley, holding a Series 66 designation and two years of industry experience. He has worked in various roles, including positions at Morgan Stanley Private Bank and Northwestern Mutual. Outside of finance, he has been involved with entrepreneurial ventures such as Speedy Racket Stringing and Courtside Racket Sports LLC. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a wide range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process incorporating firm-approved tools and modeling techniques.