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.

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.

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.

Rowell John dela Rosa is a Planning Consultant at Fidelity Investments, a position he has held since 2025. Prior to this, he worked as a Relationship Manager at Fidelity Investments from 2023 to 2025. In his current role, he partners with clients to understand their personal and financial goals and collaborates with them to develop tailored financial plans. He holds a California Insurance License which supports his work in financial planning and client advisory. Outside of his professional responsibilities, Rowell enjoys watching movies and running.

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.

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.

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 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.

Margaret Chan is a CFP® professional with 26 years of experience, currently serving as a financial advisor at OSAIC since 2024. Her prior experience includes roles at Securities America, Inc., and Foothill Securities, Inc. She is also a certified public accountant with Vasona CPA & Associates and works as a consultant with Pacific CFO & Business Solutions, Inc. OSAIC Wealth serves a broad mix of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including comprehensive financial planning and managed portfolio solutions. The firm’s investment process emphasizes model-based asset allocation and portfolio optimization supported by various analytical tools and offers access to multiple custodial arrangements and alternative investments.

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 at Wells Fargo Clearing with a Series 66 designation and one year of industry experience. His work history includes positions at Merrill, Peninsula Equity Capital, NorthWestern Mutual, and Locale. Prior to his financial services career, he has experience working at Orange Theory Fitness and Big 5 Sporting Goods, and studied at Foothill College and San Jose State University. 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 a blend of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute.