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.

Zhaolin Kang is a financial advisor at Wells Fargo Clearing with eight years of industry experience. He holds the Series 66 designation and previously worked at JP Morgan Securities, JP Morgan Chase Bank, Bank of America, and Merrill. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a range of investment options such as money market funds, collective investment trusts, mutual funds, group annuity contracts, and bank deposit sweep programs.

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.

Jennifer Lo is a financial advisor with Cetera, holding a Series 66 designation and two years of industry experience. Her prior roles include positions at LPL Financial, BMO Harris Bank, Merrill, and Bank of America. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform where advisors can implement diverse investment strategies, supported by a large network of over 10,000 advisors and managing more than $256 billion in assets.

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.

Xiaosheng Mei is a financial advisor at Charles Schwab with 25 years of industry experience. He has been with Charles Schwab since 2000 and with Charles Schwab Bank since 2005. He holds Series 63 and Series 66 credentials. Charles Schwab & Co., Inc. serves a large client base primarily consisting of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm offers both non-discretionary advisory relationships and access to discretionary separately managed accounts, utilizing multi-asset model portfolios and a centralized operational structure.

John Watson Jr. is a financial advisor at UBS Financial Services in San Jose, CA, holding a Series 66 designation with seven years of industry experience. His career includes prior roles at Merrill, Bank of America, and Service Corporation International. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, utilizing proprietary research and model-based asset allocations to tailor plans according to clients’ goals and risk tolerances. The firm combines institutional trading capabilities with wealth management services, offering a broad range of capital markets and advisory solutions.

Erik Peterson is a financial advisor with Thrivent Investment Management in San Jose, CA, holding a Series 66 designation and one year of industry experience. His prior work includes roles at Thrivent Financial, Apex Systems, and Quality First Home Improvement. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofits through a network of financial advisors, offering goal-based analyses and written recommendations across a broad range of planning topics without discretionary trading authority.

Brendan Duffy is a Financial Consultant at Fidelity Investments, a role he has held since 2024. Prior to this, he served as an Investment Consultant and Financial Representative at Fidelity Investments from 2021 through 2024. Brendan's work focuses on providing ongoing financial planning tailored to the specific needs and goals of his clients. With a background that emphasizes analytical skills, Brendan assists clients in addressing various challenges related to their financial objectives. As a native of Silicon Valley, he engages closely with local clients and their families to provide guidance on pertinent financial topics. Brendan holds a California Insurance License. Outside of his professional work, Brendan enjoys activities such as going to the beach, playing board games, spending time with family, listening to music, and swimming.

Thomas Wright is a financial advisor with Wells Fargo Clearing in Campbell, CA, holding a Series 66 designation and 18 years of industry experience. He has been with Wells Fargo Bank, N.A. since 2005 and Wells Fargo Clearing since 2016. Outside of his advisory role, Wright provides transportation services through a personal involvement with Uber in San Francisco. 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.

Jodiah Herbert is a Financial Consultant at Fidelity Investments, where they work with clients to build comprehensive financial plans focused on wealth growth, retirement readiness, and long-term security. Jodiah partners with clients to create personalized strategies that support both their current priorities and future aspirations. Jodiah's professional experience includes roles as a Financial Consultant and Relationship Manager at Fidelity Investments, as well as Registered Representative at NYLIFE Securities LLC. Prior to these positions, Jodiah worked as an Insurance Agent with New York Life Insurance Company and World Financial Group. They hold a California Insurance License. Outside of their professional work, Jodiah enjoys camping, cars, golf, hiking, reading, and traveling.

Anne Michelle Salinda is a financial advisor with Wells Fargo Clearing in San Jose, CA, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. She has been with Wells Fargo Clearing since 2016. Outside of her advisory role, she serves as a co-trustee for her parents' trust. 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 both brokerage and advisory solutions supported by research and analytics.

Phil Nguyen is a financial advisor with Ameriprise in San Jose, CA, holding Series 63 and Series 65 designations and bringing 31 years of industry experience. His prior roles include positions at Purshe Kaplan Sterling Investments and Nf Wealth Management, Inc. Outside of advising, he is involved in real estate ownership, including multi-family properties in Sacramento. Ameriprise offers a retirement-income planning service targeted at individuals nearing or in retirement with substantial investable assets, providing written, non-discretionary recommendations based on research and modeling. The firm combines advisory, brokerage, and insurance solutions through affiliated companies and employs algorithmic tools supported by oversight committees to generate tailored retirement income plans.

Richard Bologna is a financial advisor at Ameriprise in San Ramon, CA, with 16 years of industry experience. He holds Series 63 and Series 65 designations. His prior work includes roles at Foresters Financial and Foresters Advisory Services LLC before joining Ameriprise in 2017. Ameriprise offers a retirement-income planning service targeting individuals with significant investable assets, providing detailed recommendation reports on income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and algorithmic tools to support its advisory process, primarily for clients with assets held in Ameriprise-managed accounts.

Terry Goss is a financial advisor at Morgan Stanley with 16 years of industry experience. He holds the Series 66 designation and has worked at Morgan Stanley since 2019, following eight years at Stifel Nicolaus. Outside of finance, Goss owns Terry Goss Photography, a business focused on photography sales, prints, merchandise, and book licensing, and is active as a bassist and composer in multiple musical groups. Morgan Stanley Wealth Management serves individual and institutional clients with a wide range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and broad investment offerings.

Ryan Tran is a financial advisor at Charles Schwab with a Series 66 designation and two years of industry experience. Prior to joining Charles Schwab, he held positions in various fields including education and technology. 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 and access to discretionary separately managed accounts, supported by multi-asset model portfolios, written advice policies, and research from the Schwab Center for Financial Research.

Vanessa Pan is a financial advisor with LPL Enterprise holding Series 63 and Series 66 credentials and two years of industry experience. She has worked at Prudential Insurance Company of America and other financial firms since 2024. Outside of her advisory role, she coaches at Encore Volleyball Club in Redwood City, CA. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth investors, retirement plans, banks, and charitable entities. The firm’s investment approach is largely model-driven, utilizing portfolios developed by internal and third-party strategists, and it also offers access to third-party asset managers and financial planning services.

Jiyoung Chung is a financial advisor at Fidelity with 17 years of industry experience. She holds the Series 63 and Series 66 designations and has worked at firms including American Investors Company and StarOne Credit Union. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction across mutual funds, ETFs, and ETPs. The firm is notable for its use of systematic methodologies, AI-driven research, and its advisory roles to registered investment companies and fund-of-funds.

Namrata Agrawal is a Wealth Management Advisor at Merrill Lynch Wealth Management. She has been with Merrill Lynch since 2016 and holds the qualification of Senior Portfolio Advisor. In her role, she collaborates with clients to develop personalized financial strategies that address their long-term goals, encompassing a range of services including investment management, education planning, retirement income, and socially responsible investing. Namrata brings expertise in areas such as education planning, liquidity management, managing new wealth, portfolio management, tax minimization, and special needs planning strategies. She and her team, The Barnao Group, serve both individuals and small businesses, leveraging Merrill Lynch's resources along with banking and lending solutions provided through Bank of America. Namrata holds the Chartered Financial Analyst (CFA) designation and is a Personal Investment Advisor (PIA). She earned both her Bachelor's degree in Accounting and Master's degree in Economics from Rajasthan University. Originally from Jaipur, India, Namrata moved to the United States in 2000 and currently resides in Sunnyvale, California. She is involved in community activities, including volunteering with Stocklmeir School in the Cupertino Unified School District. Outside of her professional commitments, Namrata enjoys biking, gardening, spending time with her family, and traveling.