Jabra Ghanayem is a Planning Consultant at Fidelity Investments, where he focuses on developing sustainable financial plans through a deep understanding of clients' needs. He has been with Fidelity since 2021, progressing from Investment Solutions Representative to Relationship Manager before assuming his current role in 2024. Prior to joining Fidelity, Jabra worked as a Financial Professional at Equitable Advisors from 2019 to 2021. He holds a California Insurance License, supporting his expertise in financial planning and insurance services. Outside of his professional work, Jabra enjoys spending time at the beach, engaging in family activities, exploring culinary interests as a foodie, playing golf, and reading.

Hsin Yi Vivian Hsieh is a financial advisor with Charles Schwab, holding a Series 66 designation and seven years of industry experience. Her work history includes roles at Charles Schwab & Co., Inc., Charles Schwab Bank, TD Ameritrade, and Morgan Stanley. 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 and discretionary investment options, utilizing multi-asset model portfolios and a centralized operational structure.

Steven Xu is a financial advisor with Charles Schwab who holds Series 63 and Series 65 licenses and has 23 years of industry experience. Prior to joining Schwab in 2025, he worked at Fidelity Personal and Workplace Advisors and Fidelity Brokerage Services LLC for a combined 10 years. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a combination of non-discretionary investment guidance and access to discretionary separately managed accounts delivered via a large-scale, integrated platform.

Bao Lieu is a financial advisor at Merrill with Series 63 and Series 66 credentials and one year of industry experience. Prior to joining Merrill and Bank of America, he worked at NYLife Securities LLC and New York Life Insurance Company. Before his financial career, he was employed in education at HCMC University of Pedagogy, Tran Phu Highschool, and Nguyen Tri Phuong Middle School. 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.

Apostolos Kiriazis is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and six years of industry experience. He has worked within various divisions of JPMorgan Chase Bank, N.A. since 2012. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, focusing on asset-allocation advice, investment manager selection, and customized performance reporting through a process that incorporates quantitative modeling and ESG considerations.

Anthony Barnao is a Financial Advisor with Merrill Lynch Wealth Management, specializing in providing wealth management strategies tailored to individual client needs. He works with high net-worth individuals and households, helping them navigate the evolving financial landscape to pursue their long-term goals. His client focus areas include college education planning, family wealth management strategies, personal retirement planning, and retirement income. Anthony holds a Bachelor's Degree from Baylor University and has earned the Personal Investment Advisor (PIA) designation. He emphasizes a personalized approach, developing financial strategies collaboratively with clients to align with their specific objectives. In addition to his professional role, Anthony participates in community service, dedicating time to volunteer with local organizations. Outside of work, he interests include adventure sports, baseball, camping, fishing, hunting, and spending time with his family.

Ryan Michaels is a financial advisor with Morgan Stanley in San Jose, CA, holding a Series 66 designation. He has been self-employed since 2012 and has experience working at Morgan Stanley Smith Barney LLC. In addition to his advisory work, he is involved with THAT Entertainment LLC. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and offers tailored planning supported by firm-approved tools and methodologies.

Eric Zhang is a financial advisor with Morgan Stanley in Cupertino, CA, holding the Series 66 designation and one year of industry experience. His prior work includes roles at KPMG and Ernst and Young, as well as a position in the University of California, Santa Barbara Sustainability Office. Morgan Stanley Wealth Management serves both individual and institutional clients with a variety of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and investment forecasts to support its financial planning process.

Deborah Krumwiede is a financial advisor with LPL Financial in Santa Clara, CA, holding Series 63 and Series 65 designations and 31 years of industry experience. Her career includes roles at Cetera, Technology Credit Union, Wescom Financial Services, and Osaic FA, Inc. She is also involved with Technology Credit Union as of 2010. 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 financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting advisory services through a large network of investment adviser representatives.

Lucas Orme is an Investment Consultant at Fidelity Investments, where he has been serving clients since 2024. Prior to his current role, he worked as a Financial Representative at Fidelity Investments from 2023 to 2024. In his capacity as an Investment Consultant, Lucas focuses on helping individuals and families make informed financial decisions through personalized, goal-driven planning tailored to their unique circumstances. Lucas holds a California Insurance License, enabling him to provide comprehensive financial guidance. He emphasizes building enduring client relationships based on trust, transparency, and open communication. Lucas collaborates closely with clients to develop customized financial plans that adapt as their lives change.

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.

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, LLC, based in San Jose, CA. She holds the Series 66 designation and has 32 years of industry experience. Prior to joining RBC in 2018, she worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutional clients, and charitable organizations. The firm offers a range of advisory programs that provide portfolio management, financial planning, and brokerage 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.