Kristy Takacs is a Planning Consultant at Fidelity Investments, where she focuses on building relationships with clients and their families to maintain accurate and current financial plans. Since joining Fidelity in 2019, she has held roles including Financial Representative and Relationship Manager before assuming her current position in 2020. Kristy's professional experience encompasses financial planning and client relationship management within Fidelity Investments. She holds a California Insurance License, supporting her work in financial services. Outside of her professional role, Kristy enjoys activities such as camping, attending concerts, exploring culinary experiences, spending time at the lake, listening to music, and practicing Pilates.

Michael McGibben is a financial advisor at Morgan Stanley with nine years of industry experience. He holds a Series 66 designation and has worked at Stifel, Nicolaus & Company prior to joining Morgan Stanley in 2024. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and uses a structured planning process supported by firm-approved tools and modeling techniques.

My Lang is a financial advisor with Ameriprise Financial Services, LLC, holding Series 63 and Series 66 licenses and having 16 years of industry experience. He has worked at Ameriprise since 2005 across its related entities. In addition to his advisory role, he is involved in independent insurance brokering with multiple health plans. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides clients with written recommendation reports and ongoing planning focused on dependable income sources and tax-aware withdrawal strategies.

Jinyuan Ren is a financial advisor with Fidelity Investments in Los Altos, CA. He holds Series 63 and Series 66 designations and has been with Fidelity since 2026. Prior to joining Fidelity, he held positions at Bain & Company, KPMG, and several financial firms. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base including retail and institutional investors, offering discretionary and non-discretionary portfolio management, fund advisory, and model portfolio delivery that integrates proprietary research, quantitative analysis, and algorithmic construction.

Naim Kawadri is a Financial Consultant currently working at Fidelity Investments since 2022. In this role, he collaborates closely with clients to assist them in making sound financial decisions and building comprehensive financial plans. He focuses on helping clients work towards financial success by periodically reviewing their investment strategies and goals. Prior to his current position, Naim served as a Financial Solutions Advisor at Merrill Lynch from 2017 to 2022. His professional experience encompasses advising clients on financial strategies and solutions over several years. Naim holds a California Insurance License.

Tuyetanh Tran is a financial advisor at J.P. Morgan Securities with 14 years of industry experience. She holds Series 63 and Series 66 credentials and has worked with JPMorgan Chase Bank N.A. and its affiliated entities since 2011. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Matthew Atkins is a financial advisor at J.P. Morgan Securities with a Series 66 designation and three years of industry experience. He has been affiliated with the J.P. Morgan organization since 2015, including roles at JPMorgan Chase Bank, N.A. 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.

Lawrence Larson is a financial advisor at Charles Schwab with 27 years of industry experience. He holds a Series 66 designation and has been with Charles Schwab since 2003, including concurrent roles at Charles Schwab Bank since 2005. 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 services with access to discretionary separately managed accounts and employs multi-asset model portfolios supported by centralized custody and operational infrastructure.

Brent Kuhne is a financial advisor at Morgan Stanley with seven years of industry experience. He holds the Series 66 designation and has worked at firms including First Republic Investment Management, First Republic Securities, and UBS Financial Services. His background also includes roles with the City of Milpitas, Levi's Stadium, and San Francisco State University. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to both individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and integrates structured planning tools and investment models in its advisory approach.

Violet Lee is a Senior Financial Advisor at Merrill Lynch Wealth Management, bringing over three decades of experience in financial advising since 2000. She specializes in a wide range of client focus areas including college education planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, tax minimization, and retirement income. Her approach centers on developing personalized financial strategies that align with each client's goals and values. Violet and her team utilize a disciplined process that includes establishing objectives, developing strategies, recommending personalized plans, and updating them in response to clients' life changes. She is involved in managing investments, cash flow, liabilities, asset allocation, tax exposure, insurance coordination, retirement assets, and trust and estate planning services. Violet holds a Master's degree in Business Administration with an emphasis in Finance from San Jose State University and a Bachelor's degree from the University of Texas at Austin. She has earned the Personal Investment Advisor (PIA) designation. Violet participates in her local community through involvement with the De Anza Cupertino Aquatics Team and the Los Gatos Saratoga Unified School District. She resides in the Bay Area with her family and enjoys traveling, reading, swimming, hiking, and other activities.

Kingston Thai Ngo is a financial advisor at J.P. Morgan Securities with two years of industry experience. He holds Series 66 and Series 63 licenses and has previously worked at First Republic Bank, Bank of America, and Ghirardeli Chocolate Company. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a combination of quantitative asset-allocation modeling and centralized due diligence. The firm offers non-discretionary advice through a select group of Wealth Advisors and incorporates an ESG eligibility framework in its investment recommendations.

Boris Melamud is a financial advisor at Morgan Stanley with 24 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley since 2009, including roles at Morgan Stanley Private Bank, N.A. since 2015. He is based in Palo Alto, CA. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individuals and institutional clients. The firm offers a range of advisory programs and financial planning services supported by structured discovery processes and firm-approved tools.

Plato Wang is a financial advisor at Merrill with 12 years of industry experience. He holds Series 65 and Series 63 licenses and has worked previously at Bank of America and Fidelity Investments. Outside of his advisory role, he occasionally sells used books online through Amazon and assists his mother with managing her brokerage accounts. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with a range of model-based and discretionary investment strategies.

Mary Jin is a Vice President and Financial Consultant at Fidelity Investments, where she has been serving since 2025. She is a CERTIFIED FINANCIAL PLANNER™ professional with over 18 years of experience in the financial services industry. Throughout her career, Mary has held various roles at Fidelity Investments, including Financial Consultant, Investment Consultant, and Relationship Manager. Prior to joining Fidelity, she worked at Edelman Financial Engines, Credit Suisse, Morgan Stanley, and E*Trade Financial. Mary's expertise spans working with individuals, families, and business owners to address their unique financial needs and assist them in achieving their financial goals. She holds a California Insurance License, which supports her ability to provide comprehensive financial advice. Outside of her professional work, Mary enjoys family activities and running.

David Nguyen is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. His prior roles include positions at BMO Financial Group, JP Morgan Chase Bank, J.P. Morgan Securities, Wells Fargo Bank, and several technology and security companies. 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 to develop model portfolios from mutual funds, ETFs, and ETPs. The firm is noted for its registration with the CFTC, advisory roles to multiple registered investment companies, and use of AI-driven research methods.

Susan Huang Cramer is a financial advisor with Morgan Stanley in Cupertino, CA, holding Series 63 and Series 65 licenses and possessing 28 years of industry experience. She has worked with Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2010. Outside of her advisory role, she is the owner of the Cramer Family Trust. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools as part of its advisory services.

Zifeng Chen is a financial advisor with Fidelity Investments in Campbell, CA, holding a Series 66 designation and one year of industry experience. Prior to joining Fidelity in 2025, Chen worked at East West Bank and UBS. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including Charitable Gift Funds and registered investment companies. The firm combines proprietary fundamental research with quantitative analysis and algorithmic portfolio construction, offering model portfolios built from mutual funds, ETFs, and ETPs through systematic methodologies and long-term asset allocation benchmarks.

Byron Ishiwata is a financial advisor at Cetera with 23 years of industry experience and holds a Series 66 credential. His prior work includes significant tenures at Avantax and 1st Global Advisors. Outside of his advisory role, he serves as the Head Minister of the Konko Church of San Jose and as Assistant Chief Administrative Minister for the Konko Church of North America. He is also a partner in the CPA firm Johanson & Yau and serves on the advisory board of the Japanese American Museum of San Jose. Cetera Investment Advisers LLC is an SEC-registered adviser that supports a large network of independent advisors, serving individuals from non-high-net-worth to high-net-worth clients, as well as retirement plans, corporate, charitable, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through a multi-manager platform featuring both affiliated and third-party managers.

Lance Buckeldee is a financial advisor with Morgan Stanley in Palo Alto, CA, holding a Series 66 designation and 19 years of industry experience. He has been with Morgan Stanley since 2009, including roles at Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individuals and institutional clients. The firm offers tailored financial planning through structured discovery conversations and firm-approved tools, managing approximately $2.74 trillion in client assets.

Mark Gillelen is a financial advisor at LPL Financial with 37 years of industry experience. He holds Series 63 and Series 65 credentials. His prior experience includes roles at First Allied Advisory Services and First Allied Securities. He serves as president and board member of The Eva and John Ross Foundation, a nonprofit organization. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a broad network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by research and model portfolios.