Carol Rice is a financial advisor with Primerica Advisors in San Jose, CA, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. She has been with Primerica Financial Services and Primerica Advisors since the mid-1990s. Outside of advisory work, she is involved in the sale of home security and automation products through affiliated companies. Primerica Advisors provides discretionary asset management primarily for individual and high-net-worth clients through its Lifetime Investment Program, which includes model-delivery strategies and separately managed account options. The firm employs a tiered wrap-fee structure and curates third-party asset managers, delegating trading responsibilities to BNY Mellon Advisors.

Judy Fang is a financial advisor at Morgan Stanley with 30 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Smith Barney since 2012, following prior roles at Wells Fargo Clearing, Wells Fargo Investments, and Banc of America Investment Services. 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 tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and market models.

Jessica Chang is a financial advisor at Morgan Stanley with 21 years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley Private Bank, N.A. since 2015 and at Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management provides a wide array of advisory programs to individuals and institutional clients, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and modeling techniques.

Demetrios Zarefakis is a financial advisor with LPL Financial, holding a Series 66 designation and 15 years of industry experience. He has worked with firms including Fremont Bank, U.S. Bank, U.S. Bancorp Investments, and Waddell & Reed. 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, supported by a large network of advisors and proprietary research tools.

Kevin Proceviat is a financial advisor with LPL Financial in San Jose, CA, holding a Series 66 license and one year of industry experience. Prior to joining LPL, he worked at several firms including MLP Tax and Financial Services and OSAIC. Outside of his advisory role, he is involved with MLP AS Inc., a business focused on tax preparation and accounting services. 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, model portfolios, third-party asset management, and institutional platforms, supported by various investment strategies and technology tools.

Chia An Wang is a financial advisor at Ameriprise with two years of industry experience. Wang holds a Series 66 designation and has previously worked at Northwestern Mutual Investment Services LLC and several other firms. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement who meet specific asset criteria, combining research, modeling, and tax-efficiency analysis to provide written recommendation reports. The firm delivers a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Zachary Lafer is a financial advisor with Charles Schwab in Sunnyvale, CA, holding a Series 66 designation and recently beginning his career in the industry. His prior experience includes roles at Griffith Growth Search Fund and Funko LLC, as well as time spent in full-time education. 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 affiliated discretionary separately managed accounts, supported by multi-asset model portfolios and centralized custody and order-routing operations.

Ivy Luu is a financial advisor with Wells Fargo Clearing in San Jose, CA, holding a Series 66 designation and 20 years of industry experience. She has worked at Wells Fargo Investments and Wells Fargo Clearing since 2005. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm offers both brokerage and advisory solutions and manages approximately $671 billion in assets through a large network of financial advisors.

Ramon Ware is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. Prior to joining Fidelity, he operated RW Leadership Coaching LLC for five years. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, leveraging a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its use of systematic methodologies, advisory roles to multiple registered investment companies, and incorporation of AI and algorithmic methods in its investment process.

Monika Tanwar is a financial advisor with LPL Enterprise in San Jose, CA, holding Series 63 and Series 66 licenses and having one year of industry experience. Her career includes roles at NYLIFE Securities, New York Life Insurance Company, and Northwestern Mutual, as well as consulting work with Atlas Management Consulting. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors and institutional clients, using model-driven portfolios and access to third-party asset managers and TAMPs.

Gayl Hynek is a financial advisor with LPL Financial in San Jose, CA, holding Series 63 and Series 65 credentials and with 42 years of industry experience. Hynek has been with LPL Financial since 2002, following a year at Wells Fargo Investments. Outside of advisory work, Hynek provides notary services to clients. 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, model portfolio programs, third-party asset management, and institutional platforms.

Kathy Chang is a Financial Consultant currently working at Fidelity Investments since 2020. She has been a financial advisor for over 16 years, focusing on helping clients achieve their life goals through personalized financial plans. Her expertise includes retirement planning, education funding, tax-efficient investing, as well as wealth accumulation and preservation. Prior to her current role, Kathy held positions such as Vice President and Financial Solutions Advisor at Bank of America Merrill Lynch from 2015 to 2020, Investment Specialist at American Century Investments in 2014, Investment Counselor at Fisher Investments from 2006 to 2008, and Financial Advisor at Ameriprise Financial from 2002 to 2006. Kathy holds a California Insurance License.

Dan Santillan is a financial advisor with LPL Financial in Fremont, CA, holding a Series 66 designation and 11 years of industry experience. His prior roles include positions at BMO Bank NA, BancWest Investment Services, and Wells Fargo. 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, and institutional platforms.

Tony Phouanenavong is a financial advisor with LPL Enterprise based in San Jose, CA, holding Series 63 and Series 65 licenses and possessing five years of industry experience. His prior roles include positions at Prudential Insurance Company of America and Arkshire Financial. Outside of his advisory work, he sells disability insurance to medical professionals and serves as a community-based instructor at Pleasant Hill Education Center. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and corporate and charitable entities. The firm employs a model-driven investment approach primarily focused on third-party asset managers and offers additional services such as financial planning, insurance product sales, and trustee services.

Davin Lundgren is a financial advisor with Ameriprise in Danville, CA, holding a Series 66 designation and 24 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement with significant investable assets, delivering written Recommendation Reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to generate recommendations, with an emphasis on assets held in Ameriprise-managed accounts.

Elly Chan is a financial advisor with Mass Mutual Investors Services, holding a Series 66 designation and 39 years of industry experience. She previously worked at MetLife Securities Inc. for 32 years before joining Mass Mutual Investors Services in 2017. Chan is also an independent insurance agent, servicing Life/Accident/Health and Property & Casualty insurance. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers ongoing financial planning, asset management, and educational programs, providing collaborative, annual financial planning engagements supported by firm-approved analytical tools.

Navdeep Brar is a financial advisor with J.P. Morgan Securities in San Jose, CA, holding Series 63 and Series 65 licenses and one year of industry experience. Prior to joining J.P. Morgan Securities, he worked at Sequoia Financial LLC and has been involved with Nirmal Brar Md Inc and Cory D Jaques Md Inc. 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 incorporating ESG criteria.

Shiba Mehra is a financial advisor at Ameriprise with one year of industry experience. She holds a Series 66 designation and has worked in various roles including self-employment and positions at Rakuten and Wells Fargo. Mehra’s background also includes a period of extended travel and a role at the San Francisco Museum of Modern Art. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service focused on written Recommendation Reports and ongoing annual retirement planning advice, utilizing proprietary investment research and third-party data within a defined product ecosystem.

Hanyu Zhao is a CFP®-certified financial advisor with 10 years of industry experience. He is currently affiliated with Charles Schwab in Santa Clara, CA, where he has worked since 2016 across various Schwab entities. Prior to that, he was employed by JP Morgan Chase Bank and JP Morgan Securities from 2019 to 2022. 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 investment guidance and access to discretionary separately managed accounts, supported by multi-asset model portfolios and centralized operational resources.

Manoj Das is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and 12 years of industry experience. He has worked at J.P. Morgan Securities and JP Morgan Chase Bank since 2019, and previously at Wells Fargo Clearing, Wells Fargo Advisors, and Credit Suisse Securities. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on non-discretionary asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process integrates quantitative and qualitative research supported by a centralized due diligence team and incorporates ESG considerations within a broad range of eligible strategies.