Yanming Lin is a financial advisor with J.P. Morgan Securities in Santa Clara, CA. He holds the Series 66 designation and has six years of industry experience. Prior to joining J.P. Morgan, he worked at Ameriprise for eight years. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm employs a centralized due diligence process combining quantitative and qualitative research to build model allocations and integrates ESG criteria where appropriate.

Heather Wong is a financial advisor at Morgan Stanley in Palo Alto, CA, with six years of industry experience. She holds a Series 66 designation and has worked at several firms including Bank of America, Merrill, and Ameriprise Financial. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning using firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services that include structured planning but generally does not act as an ERISA fiduciary unless separately engaged.

Brian Kadan is a financial advisor at Edelman Financial Engines in Santa Clara, CA, holding Series 63 and Series 65 licenses. He joined the firm in 2024 and has prior work experience at West Marine, Boston Scientific, and Bay Club Redwood Shores. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm offers a combination of discretionary and non-discretionary investment options, supported by proprietary modeling and a large-scale client service model.

Renee Hurni Gray is a financial advisor at Merrill with 23 years of industry experience. She holds a Series 66 designation and has worked at Merrill since 2008, following roles at UBS Financial Services and Waddell & Reed. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Cathy Ha is a financial advisor at Charles Schwab with a Series 66 designation and four years of industry experience. Her prior roles include positions at Merrill Lynch, Citibank, and East West Bank. 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 relationships with access to discretionary separately managed accounts, utilizing multi-asset model portfolios and a formal alternative investment onboarding process.

Jennifer Cardoza is a financial advisor at Edward Jones in Mountain View, CA, holding a Series 66 designation with six years of industry experience. She worked at Merrill for 20 years before joining Edward Jones in 2024. Outside of finance, she serves as an office manager for South Bay Pest Control, where she handles client communications and website tasks. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, supported by a nationwide network of financial advisors and branch offices.

Roland Villanueva is an Investment Consultant with experience in financial planning and client relationship management. He has worked in various roles within the financial services industry, including Planning Consultant and Relationship Manager at Fidelity Investments from 2020 to 2024, Financial Consultant and Client Service Specialist at TD Ameritrade from 2016 to 2019, and Personal Banker at Citibank from 2014 to 2016. In his current role, Roland focuses on understanding clients' unique stories to develop personalized and holistic financial plans and investment strategies that aim to support their financial goals. He holds a California Insurance License, which supports his work in financial consulting. Outside of his professional work, Roland has interests in baseball, fishing, football, kayaking, outdoor adventures, and spends time with his pets.

Min Ma is a financial advisor with LPL Financial in Sunnyvale, CA, holding Series 63 and Series 66 designations and bringing 22 years of industry experience. Prior to joining LPL Financial in 2009, Min worked at Ameriprise from 2005 to 2009. Outside of advisory work, Min is involved in providing in-home supportive services. 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 advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by technology tools and extensive non-advisory financial activities.

Julianna Miller is a financial advisor at Charles Schwab with a Series 66 designation and seven years of industry experience. She has worked at Charles Schwab Bank since 2019 and Charles Schwab & Co., Inc. since 2018. Prior to that, she held positions at Avail, LLC and the City of Sharonville, and she studied at the University of Kentucky. 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 both non-discretionary investment guidance and access to discretionary separately managed accounts, supported by a multi-asset model portfolio approach and centralized operational infrastructure.

Evelyn Huey is a financial advisor with LPL Financial in Fremont, CA, holding Series 63, 65, and 66 licenses and having 26 years of industry experience. She previously worked at Merrill Lynch from 2013 to 2017 and has been associated with both Fremont Bank and LPL Financial since 2017. She is also a commissioned notary public in the state of California. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to various portfolio programs, supported by a large network of investment adviser representatives and technological tools for operational and research support.

Aarushi Khurana is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. Her prior roles include positions at Ameriprise and Ducat Capital Partners. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios. The firm also serves as a commodity pool operator and advisor to multiple registered investment companies.

Carlos Ruiz is a financial advisor with LPL Enterprise in San Jose, CA. He holds the Series 66 designation and has been with LPL Enterprise since 2026. Prior to joining LPL, he worked at Oregon Axe and was involved with the Lane County Umpires Association. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, and corporate entities. The firm employs a model-driven investment approach and offers access to third-party asset managers, financial planning, and various affiliated financial services.

James Li is a Financial Consultant currently working at Fidelity Investments since 2022. He has held roles as a Senior Wealth Advisor at Citi Global Markets Inc in 2022, Financial Solutions Advisor at Merrill Lynch from 2018 to 2022, and Universal Banker at Unionbanc Investment Services from 2017 to 2018. His professional experience spans various aspects of financial consulting and wealth advising, focusing on creating sound financial plans to help clients navigate life transitions. James holds a California Insurance License.

Ellice Papp is a financial advisor with UBS Financial Services in Los Altos Hills, CA, holding Series 63 and Series 65 credentials and possessing 49 years of industry experience. She has been with UBS since 2002. Papp serves on the board of directors for TheatreWorks Silicon Valley, a nonprofit theatre company. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services to tailor plans based on proprietary research and model-based asset allocations.

John Sheehan Jr. is a CFP® with 31 years of industry experience, currently associated with Charles Schwab. His prior roles include positions at TD Ameritrade and USAA Investment Management Company. He is based in Menlo Park, CA. Charles Schwab serves a large client base primarily composed of 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 both non-discretionary guidance and access to discretionary separately managed accounts, combining scale with an integrated structure that includes custody and brokerage services.

Souad Hasbini is a financial advisor at Merrill with Series 63 and Series 65 licenses and two years of industry experience. Prior to joining Merrill, she worked at Cetera, Bank of America, and J.P. Morgan Securities, among other firms. She has also held roles outside of financial services, including positions at Apple Inc. and several real estate-related companies. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers a range of model-based and discretionary investment strategies supported by internal teams and third-party managers for individuals, high-net-worth clients, and institutional investors.

Blerina Mucaj is a Financial Consultant currently working with Fidelity Investments since 2022. She collaborates closely with clients to understand their financial needs and develop tailored plans and strategies to help them pursue their goals. Her professional experience includes roles at JP Morgan Chase Bank, N.A. and JP Morgan Securities LLC, where she served as a Private Client Advisor from 2019 to 2022, Financial Advisor from 2018 to 2019, and Financial Advisor Associate Trainee in 2018. Prior to that, she worked as a Premier Banking Advisor at RBC Wealth Management from 2016 to 2017. Blerina holds a California Insurance License. Outside of her professional work, she has interests in photography, reading, and traveling.

Liming Cai is a Series 66-licensed financial advisor with J.P. Morgan Securities, based in Fremont, CA, and has 15 years of industry experience. His work history includes roles at JPMorgan Chase Bank, N.A., Banc Of America Investment Services, Inc., and In Home Supportive Services. Outside of his advisory duties, he owns a rental property. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program that emphasizes written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process integrates both quantitative and qualitative research and includes capabilities in derivatives and commodities.

Joseph Duca is a financial advisor at LPL Financial with 20 years of industry experience and holds the Series 66 designation. His prior work includes roles at Commonwealth Financial Network, 7 Streets Financial, and Securities America Advisors. Outside of advisory work, he co-owns several entities in Ketchikan, Alaska, involved in tourism, charter fishing, and retail operations. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, and institutions through a large network of investment adviser representatives. The firm offers a range of advisory services including financial planning, model portfolios, third-party asset management, and institutional platforms.

Richard Amaechi is Vice President and Financial Consultant at Fidelity Investments, where he has been serving clients since 2023. In his current role, he focuses on building strong relationships with clients to develop personalized financial strategies that evolve over time. His approach emphasizes clear communication and steady guidance to help clients make informed decisions and achieve peace of mind. Before becoming Vice President, Richard held the position of Financial Consultant at Fidelity Investments and gained prior experience as a Training Manager at UBS, Retail Sales Supervisor at Vanguard, and participated in Vanguard's Emerging Leadership Development Program. He holds a California Insurance License, supporting his expertise in financial and insurance products. Outside of his professional work, Richard has interests in cars, fitness, and museums.