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.

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.

Komal Shah is a financial advisor with Merrill in Mountain View, CA, holding a Series 66 designation and one year of industry experience. Prior to joining Merrill, Shah worked at Bank of America and has also been involved with the Desh Apnayen Foundation. 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, offering model-based and discretionary strategies for a range of individuals and institutional clients.

Kimberly Gaxiola is a CFP®-certified financial advisor with 27 years of industry experience, currently practicing at Cambridge Investment Research Advisors. She has been with Cambridge since 2010. Outside of advisory work, she is involved as a board member of Informed Choices and owns a consulting business. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through independent Financial Professionals, utilizing a range of portfolio management strategies and custody platforms tailored to client objectives.

Navdeep Brar is a financial advisor at J.P. Morgan Securities with one year of industry experience. He holds Series 63 and Series 65 licenses. His prior roles include positions at Sequoia Financial LLC and JPMorgan Chase Bank, N.A., as well as business activities with Nirmal Brar Md Inc and Cory D Jaques Md Inc. J.P. Morgan Securities primarily serves institutional clients and retirement plan sponsors, offering investment consulting and advisory services focused on asset allocation, manager searches, and customized performance reporting. The firm combines quantitative modeling with centralized due diligence and applies an ESG eligibility framework in its recommendations.

Shiba Mehra is a financial advisor at Ameriprise with a Series 66 credential and one year of industry experience. Prior to joining Ameriprise, Mehra held roles at Rakuten and Wells Fargo and has experience as a self-employed professional. Outside of finance, Mehra has worked with the San Francisco Museum of Modern Art. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning that includes written recommendations and annual advice focused on income sources and tax-aware withdrawal strategies.

Hanyu Zhao is a financial advisor at Charles Schwab with 10 years of industry experience and a Series 66 credential. His work history includes roles at Charles Schwab Bank and Charles Schwab & Co., Inc., as well as JP Morgan Chase Bank and JP Morgan Securities. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory wrap fee program and associated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment management, utilizing multi-asset model portfolios and a centralized operational structure.

Roxana Jauregui Lambert is a financial advisor at Morgan Stanley based in Los Gatos, CA, holding a Series 66 designation with seven years of industry experience. Her career includes roles at Morgan Stanley, Bank of America, Merrill, Nasdaq Private Market Securities, and Wells Fargo. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning supported by structured discovery conversations and firm-approved tools.

Manoj Das is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. He has worked at J.P. Morgan Chase Bank and Wells Fargo Advisors, holding a Series 66 designation. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Anusha Sapharu is a financial advisor at Edward Jones with seven years of industry experience. Prior to joining Edward Jones in 2024, she worked at Bank of America/Merrill Lynch and J.P. Morgan Securities LLC. She also has experience in the energy sector with Doosan Power Systems Americas LLC. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, supported by a large nationwide network of financial advisors and branch offices.

Margaret Chan is a CFP®-certified financial advisor at OSAIC with 26 years of industry experience. Her prior work includes roles at Securities America and Foothill Securities, along with her ongoing involvement in accounting and tax consulting through Vasona CPA & Associates and Pacific CFO & Business Solutions. She also acts as an agent for long-term care insurance. OSAIC serves a wide range of clients—including individual investors, institutional clients, and charitable organizations—offering integrated brokerage and advisory services alongside multiple investment platforms. The firm employs a variety of asset-allocation tools and third-party managed-account solutions to construct diversified portfolios tailored to client risk profiles.

Brian Ramirez is a Financial Consultant at Fidelity Investments, where he collaborates with clients to develop comprehensive financial plans tailored to their individual goals and circumstances. He emphasizes understanding clients' interests and passions to create flexible strategies that adapt to their evolving needs. Brian has been with Fidelity Investments since 2017, progressing through various roles including Financial Representative, Relationship Manager, and Planning Consultant before his current position. Prior to joining Fidelity, he held several positions at Wells Fargo Bank, starting as a Teller and advancing to Licensed Personal Banker. He holds a California Insurance License.

Daniel Gregg is a financial advisor with Wells Fargo Clearing in San Jose, CA, holding a Series 66 designation. He has prior experience at Merrill, Peninsula Equity Capital, NorthWestern Mutual, and Locale, with a background that includes time in the fitness and retail industries as well as attending Foothill College and San Jose State University. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions, utilizing research from Wells Fargo Investment Institute and third-party sources.

Nancy Pyzel is a financial advisor at OSAIC with 20 years of industry experience. She holds a Series 66 designation and has worked for firms including Lincoln Financial Advisors Corp, Royal Alliance Associates, and Acord & Fong Wealth Strategies. Outside of advising, Pyzel writes a monthly humor column for the Foolish Times of Monterey and serves as secretary and board member for Women in Financial Services. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisors and multiple platforms, offering integrated brokerage and advisory services, financial planning, and access to third-party money managers. The firm uses asset-allocation tools and automated rebalancing to construct diversified portfolios across a wide range of investment types.

Maile Huynh is a Vice President and Financial Consultant at Fidelity Investments, a position she has held since 2021. She has been with Fidelity Investments since 2012, progressing through roles including Financial Consultant, Investment Consultant, Relationship Manager, and Financial Representative. Her work focuses on partnering with clients and their families to understand their financial goals and needs, leveraging Fidelity's resources to create customized financial plans. Throughout her career, Maile has emphasized building and maintaining close relationships with clients to establish trust and reliability. She holds a California Insurance License. Outside of her professional role, Maile's personal interests include cars, family activities, music, sailing, and traveling.

Trevor Schwartz is a CFP® with 31 years of industry experience, currently serving as an advisor at Raymond James Financial Services Advisors, Inc. He has been with various branches of Raymond James since 2013. He is also the owner and lead advisor of Trevor Schwartz Investments, a support company operating under the Raymond James Financial Services umbrella. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual and institutional clients. The firm offers tailored, non-discretionary planning using analytical tools and supports a broad client base that includes high-net-worth individuals, corporations, pension plans, and charitable organizations.

Brian Shih is a financial advisor at Morgan Stanley in Cupertino, CA, holding a Series 66 designation. He has prior work experience at Nimble Robotics, Amazon, and serves in the United States Army Reserve. His industry experience as a financial advisor is under one year. 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 including tailored financial planning and manages approximately $2.74 trillion in client assets.

Hui Ting Chang is a Series 66-licensed financial advisor with six years of industry experience. She is currently with Morgan Stanley, where she has worked since 2022, after prior roles at Bank of America, Merrill, and Charles Schwab. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets through a structured planning process that includes firm-approved tools and modeling techniques.

Brian Marquez is a financial advisor with LPL Financial in San Jose, CA, holding Series 63 and Series 66 credentials and 19 years of industry experience. His prior work includes roles at Cadaret, Grant & Co., Inc., and a decade at J.P. Morgan Chase Bank NA and J.P. Morgan Securities. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management solutions supported by technology tools and oversees significant discretionary assets through a large network of advisors.