Ngan Liang is a Vice President and Financial Consultant at Fidelity Investments, where he currently works to provide financial advice tailored to clients' individual goals. He joined Fidelity in 2023, bringing with him extensive experience from his previous role as Vice President and Financial Solutions Advisor at Bank of America Merrill Edge, where he worked from 2012 to 2023. Ngan holds a California Insurance License, supporting his expertise in financial consulting and investment strategies. Outside of his professional work, he engages in personal interests such as cooking and baking, participating in family activities, social events with friends, hiking, caring for pets, and traveling.

Patrick Ho is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2019. He has previously worked as a Private Client Advisor at J.P. Morgan Chase Bank, N.A. from 2018 to 2019 and as a Financial Advisor at J.P. Morgan Securities, LLC from 2017 to 2018. Patrick focuses on building strong relationships with clients to develop financial plans tailored to their unique needs. He holds a California Insurance License. Patrick's approach emphasizes understanding what is important to his clients and their families to collaboratively create effective financial strategies.

Kenneth Prodger is a financial advisor with Cambridge Investment Research Advisors in Santa Clara, CA, holding Series 63 and Series 65 credentials and 20 years of industry experience. He previously worked at Mass Mutual Investors Services for eight years before joining Cambridge in 2014. Prodger is also the founder of the Special Needs Planning Group, a business focused on insurance, benefits, and human resources services. Cambridge Investment Research Advisors serves a diverse client base, including individual and institutional investors such as pension and charitable organizations. The firm provides financial planning, investment management, retirement-plan advisory, and wrap-fee programs through a network of thousands of financial professionals and manages a multi-billion dollar asset base across multiple platforms.

Huiying Cheng is a financial advisor with Morgan Stanley in Palo Alto, CA, holding a Series 66 designation and 10 years of industry experience. She has previously worked at Bank of America, Merrill, and Fidelity Brokerage Services. Cheng is currently affiliated with Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm utilizes structured planning tools and investment models to support client outcomes, managing approximately $2.74 trillion in assets.

Julie Tung is a financial advisor with Wells Fargo Clearing in Palo Alto, CA, holding Series 63 and Series 65 designations and bringing 28 years of industry experience. Her career includes roles at Wells Fargo Investments and Banc of America Investment Services. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with a range of investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets across more than 14,000 advisors and offers both brokerage and advisory solutions.

Adrian Lee is a financial advisor at Charles Schwab with one year of industry experience. He holds a Series 66 designation and has been with various Charles Schwab entities since 2024. Outside of his advisory role, he occasionally sells used personal items on an online marketplace. 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 non-discretionary advisory relationships with access to discretionary separately managed accounts, multi-asset model portfolios, and a centralized operational structure.

Susan Wohlgemuth is a financial advisor with Morgan Stanley in Menlo Park, CA, holding Series 63 and Series 65 licenses and having 33 years of industry experience. She has worked at Morgan Stanley Smith Barney since 2009, following prior roles at Citigroup Global Markets and Merrill. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services through Financial Advisors and its Estate Planning Strategies Group.

Eatan Vijan is a financial advisor at Cetera with 19 years of industry experience. He holds Series 63 and Series 66 credentials and has previously worked at firms including Avantax and TD Ameritrade. Vijan is the founder and president of Naimava Capital Management Group, an investment management and financial advisory business. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers diversified portfolio management and financial planning through a multi-manager platform with access to affiliated and third-party money managers.

Nolan Michaels is a CFP® and holds a Series 66 license with four years of experience in the financial industry. He has worked at Charles Schwab, Fidelity Investments, Morgan Stanley, Royal Bank of Canada, and Merrill Lynch. Outside of financial services, he has been involved with Room to Read. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of non-discretionary and discretionary investment management along with brokerage, custody, and cash-sweep services. The firm’s scale and integrated operational structure distinguish it within the wealth management industry.

Salvador Fernandez Sandoval is a financial advisor at J.P. Morgan Securities with two years of industry experience. He holds Series 66 and Series 63 credentials and has previous work experience at JPMC Bank NA, Bank of America, General Nutrition Center, and Big 5 Sporting Goods. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research with forward-looking capital market assumptions and includes broader derivatives and commodities capabilities.

Madiyar Rakhymzhan is a financial advisor with Charles Schwab holding Series 66 and Series 63 licenses and one year of industry experience. Prior to joining Schwab, he had brief tenures at Fidelity Investments, J.P. Morgan Securities, and JPMorgan Chase Bank, among other firms. Charles Schwab & Co., Inc. serves primarily 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 a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by multi-asset model portfolios and centralized operational infrastructure.

James Oszust is a financial advisor with Wells Fargo Clearing in Palo Alto, CA, holding Series 63 and Series 66 licenses and 15 years of industry experience. His prior roles include positions at JP Morgan Securities and First Republic Bank. 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 through a large network of over 14,000 advisors, offering a range of brokerage and advisory solutions supported by research and analytics.

Alexander Lamont is a Financial Advisor at Merrill Lynch Wealth Management. In his role, he works one-on-one with clients to develop personalized financial strategies aimed at pursuing their long-term goals. He assists clients in managing their wealth by providing investment insights and access to banking and lending solutions through Bank of America. With a focus on helping clients handle various financial priorities, including home purchases, education savings, and healthcare planning, Alexander defines goals collaboratively and chooses portfolio strategies designed to achieve them. He offers ongoing advice and adapts portfolios as clients' situations evolve. Alexander holds a Bachelor's Degree from Saint Mary's College of California and carries the Personal Investment Advisor (PIA) designation.

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.

Lora Williams is a financial advisor at Merrill in Palo Alto, CA, with 25 years of industry experience. She holds a Series 66 license and has been with Merrill Lynch, Pierce, Fenner & Smith Incorporated for 20 years. 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 model-based and discretionary investment strategies for a diverse client base including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Maicie Levitt is a financial advisor at Morgan Stanley in Menlo Park, CA, holding a Series 66 designation. She began her career at Morgan Stanley in 2025 and has prior experience in coaching softball at Norcal Fusion. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, including tailored financial planning that utilizes firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and offers services through its Financial Advisors and Estate Planning Strategies Group.

Mohammed Khan is a financial advisor with Charles Schwab, holding a Series 66 designation and nine years of industry experience. He has been with Charles Schwab since 2003. 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 services. The firm offers a combination of non-discretionary and discretionary investment management, leveraging multi-asset model portfolios and alternative investment options within an integrated operational structure.

Qiqin Zhu is a Wealth Management Advisor with Merrill Lynch Wealth Management, based in Paramus, New Jersey. With over 30 years of experience, she has held roles including controller, corporate finance analyst, and wealth management advisor. She provides personalized wealth management strategies tailored to the unique financial goals of individuals, families, small business owners, nonprofit organizations, and international corporations. Qiqin focuses on areas such as corporate executive services, executive compensation, family wealth management strategies, investment consulting for defined contribution plans, personal retirement planning, small business strategies, and tax minimization. Qiqin holds a Master’s degree in Finance from Rutgers, The State University of New Jersey, and a Bachelor of Science degree in Computer Science from East China Institution of Technology. She is a CERTIFIED FINANCIAL PLANNER® certificant, as well as a Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Fluent in both English and Chinese, she employs a process-oriented, personalized approach to build long-term trust and help clients pursue their financial goals through customized investment strategies. Outside of her professional work, Qiqin enjoys dancing, music, reading, swimming, table tennis, traveling, volleyball, and watching movies. She resides in Paramus with her husband and son.

Ronni Andrews is a financial advisor at Morgan Stanley with 10 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Morgan Stanley Smith Barney LLC from 2015 to 2021 and again since 2022, with a one-year tenure at RBC Capital Markets in between. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm’s planning process uses structured discovery conversations and firm-approved tools but does not provide individual security recommendations as part of the standalone planning service.

Casey Korsak is a financial advisor with Wells Fargo Clearing in Palo Alto, CA, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has been with Wells Fargo Clearing since 2016. Outside of his advisory role, he serves as a trustee for family-related trusts. 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 utilizes research and analytics to guide investment decisions and offers a broad range of brokerage and advisory solutions.