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 with Morgan Stanley in Cupertino, CA, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. She has been with Morgan Stanley Smith Barney since 2012. 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 facilitated by 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 using firm-approved tools and modeling techniques.

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.

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.

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 been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2011 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a broader range of investment options including insurance-related vehicles and bank deposit sweep programs.

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.

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.

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.