Lisa Ball is a financial advisor with RBC Capital Markets, LLC, based in San Jose, CA. She holds the Series 66 designation and has 32 years of industry experience. Prior to joining RBC in 2018, she worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutional clients, and charitable organizations. The firm offers a range of advisory programs that provide portfolio management, financial planning, and brokerage services, utilizing both in-house and third-party investment managers.

Ye Luo is a financial advisor at LPL Enterprise with Series 66 registration and one year of industry experience. Prior to joining LPL Enterprise, Ye worked at PRUCO Securities, LLC and has a background in biotechnology and software, having held roles at Genapsys Inc and Pierry Software. Ye is also involved with Eutychia Venture LLC, an entrepreneurial venture ongoing since 2020. LPL Enterprise serves a diverse range of clients including individuals, retirement plans, charitable organizations, and institutional investors. The firm offers financial planning, advisory services, and access to model portfolios and third-party asset management, utilizing an integrated platform that combines advisory programs with brokerage and insurance products.

Stephen Crowell is a Financial Consultant based in the Sunnyvale office at Fidelity Investments. He works with individuals, families, and business owners, focusing on advanced financial goals including financial planning and organization, tax efficient investing, equity compensation, and managing complex transition events. Stephen has been with Fidelity Investments since 2018, initially serving as an Investment Consultant before becoming a Financial Consultant in 2019. Prior to joining Fidelity, he worked as a Financial Advisor at Edward Jones from 2017 to 2018. He holds a California Insurance License.

Selina Wu is a Financial Consultant at Fidelity Investments, a position she has held since 2024. Prior to this role, she served as Vice President Wealth Relationship Manager at HSBC from 2019 to 2024. She holds a California Insurance License, supporting her work in financial consulting and wealth management. Outside of her professional career, Selina has interests in art, family activities, fitness, food, pets, and singing.

Terrence Byrnes is a Wealth Management Advisor at Merrill Lynch Wealth Management. He holds multiple professional designations including CERTIFIED FINANCIAL PLANNER® (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR® (CPFA), Chartered Retirement Planning Counselor™ (CRPC), and the Sports & Entertainment Accredited Wealth Management Advisor™ (SE-AWMA®). Terrence focuses on helping high net-worth individuals, families, business owners, retirees, and endowments and foundations develop and maintain customized wealth management strategies. His expertise includes college education planning, corporate retirement plan services, legacy planning, personal retirement planning, tax minimization, and addressing the unique financial challenges faced by athletes and entertainers. Central to his approach is the principle of asset allocation and diversification, aiming to construct portfolios that balance risk while pursuing growth aligned with clients' goals. He earned a Bachelor of Science degree in Business Marketing from San Jose State University. Before joining Merrill Lynch, Terrence lived and worked in Japan for approximately seven years and speaks Japanese. He resides in Los Gatos with his wife Tammy and their three children. In his personal time, he enjoys playing pickleball, practicing karate, staying physically active, reading, and spending time with his family.

Khoa Le is a financial advisor with Charles Schwab, holding Series 63 and Series 65 licenses and nine years of industry experience. He previously worked at Wells Fargo Clearing Services LLC and Wells Fargo Bank NA before joining Charles Schwab in 2025. Outside of his advisory role, he engages in ride-sharing and food delivery services as an Uber driver. Charles Schwab 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 affiliated discretionary separately managed accounts, supported by centralized custody and operational infrastructure.

Silphy Ou is a financial advisor with LPL Enterprise in San Jose, CA, holding Series 63 and Series 65 licenses and totaling 17 years of industry experience. Prior to joining LPL Enterprise in 2024, Ou worked at Prudential Insurance Company of America and Pruco Securities, LLC from 2010 to 2024. Outside of advisory work, Ou is involved in real estate rental activities in Marina and Santa Clara, California. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers financial planning, consulting, access to model wealth portfolios, third-party asset management, and a range of brokerage and insurance products through an integrated advisory and brokerage platform.

Craig Cymrot is a financial advisor at Morgan Stanley with 33 years of industry experience. He has been with Morgan Stanley and its affiliates since 2007, including roles at Morgan Stanley Smith Barney and Morgan Stanley Private Bank. Outside of his advisory work, he is involved as a successor trustee in a trust based in Mountain View, California. 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 and financial planning services that utilize firm-approved tools and methodologies to support clients in achieving their financial goals.

Steven Shieh is a financial advisor at LPL Financial with one year of industry experience. He holds the Series 63 and Series 65 designations. Prior to his current role, he worked at BMO Harris Bank and Moss Adams. Outside of his advisory work, he is involved with JDA TSG Tax in a part-time capacity. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations. The firm offers a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management supported by LPL Research and third-party subadvisors.

Karen Peck is a financial advisor at Wells Fargo Clearing with 11 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Wells Fargo Clearing since 2016, following roles at Wells Fargo Advisors LLC and Wells Fargo Bank NA. Outside of her advisory work, she is involved in managing a commercial rental property through a family trust. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s IPS-driven process incorporates modern portfolio theory and includes a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Aaron Schure is a financial advisor at Charles Schwab in Sunnyvale, CA, holding a Series 66 designation with one year of experience. His prior work experience includes roles at Charles Schwab Bank, Sports Basement, AmeriCorps, and Stingray Volleyball Club. 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 guidance alongside access to discretionary separately managed accounts and employs multi-asset model portfolios with strategic asset allocation.

David Tran is a financial advisor with Wells Fargo Clearing, holding Series 66 and Series 63 designations and 14 years of industry experience. He has worked with various Wells Fargo entities since 2005, including Wells Fargo Advisors and Wells Fargo Bank. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and brokerage solutions. The firm manages approximately $671 billion in assets and relies on research and analytics to support its investment approach.

Xiaoyu Jiang is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and six years of industry experience. Prior to joining Wells Fargo in 2024, Jiang worked at Citigroup, Merrill, and Bank of America. Outside of finance, Jiang has ownership in a rental property located in Honolulu, Hawaii. 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 offers both brokerage and advisory solutions, managing approximately $671 billion in assets through over 14,000 financial advisors.

Gitanjali Mishra is a financial advisor with Fidelity who holds the Series 66 designation and has one year of industry experience. Prior to joining Fidelity, she worked at HSBC Securities (USA) Inc. and HSBC Bank USA National Association, and she spent ten years at Punjab National Bank. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to both retail and institutional clients, employing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to create model portfolios from mutual funds, ETFs, and ETPs. The firm also serves as a registered commodity pool operator and advises multiple registered investment companies and fund‑of‑funds.

Dustin Sherlock is a financial advisor at Charles Schwab with a Series 66 designation and one year of industry experience. His prior work includes roles at Andale Management Group Inc., Popi's Oysterette, and several other companies across various industries. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering non-discretionary investment guidance alongside access to affiliated discretionary separately managed accounts and a range of advisory, brokerage, and custody services.

Fernando Mellin is a financial advisor with J.P. Morgan Securities in San Jose, CA, holding Series 63 and Series 65 credentials and 11 years of industry experience. He previously worked at Wells Fargo for 18 years and is the owner of My Coco Inc, a business focused on the sales of imported coconuts and coconut water. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework. The firm delivers services on a non-discretionary basis, with client decision-making retained, and operates within the broader J.P. Morgan banking and broker-dealer organization.

Jennifer Lo is a financial advisor with Cetera, holding a Series 66 designation and two years of industry experience. Her prior roles include positions at LPL Financial, BMO Harris Bank, Merrill, and Bank of America. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform where advisors can implement diverse investment strategies, supported by a large network of over 10,000 advisors and managing more than $256 billion in assets.

Fane Opperman is a CFP® with 37 years of industry experience, currently serving at Wells Fargo Clearing since 2016. Prior to this, he worked at Wells Fargo Advisors LLC for seven years. He is an adjunct instructor at California State University, where he teaches a course on personal financial management. 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 IPS-driven advisory process incorporates modern portfolio theory and includes a broader range of financial products than typical large institutional advisers.

Jason Cheng is Vice President and Branch Leader at Fidelity Investments, a role he has held since 2018. He has been with Fidelity Investments since 2013, previously serving as Assistant Branch Manager and Vice President - Financial Consultant. Prior to his tenure at Fidelity, Jason held various positions at Charles Schwab from 2006 to 2013, including Vice President - Financial Consultant, Investment Consultant, and Financial Representative. He began his financial services career at E*Trade Securities, working as a Financial Representative and Active Trader Specialist between 2003 and 2006. Jason holds a California Insurance License. He emphasizes the importance of hiring and developing financial advisors with integrity and dedication to effectively support clients as their primary advisors.

Xiaosheng Mei is a financial advisor at Charles Schwab with 25 years of industry experience. He has been with Charles Schwab since 2000 and with Charles Schwab Bank since 2005. He holds Series 63 and Series 66 credentials. 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 managed-account and financial planning services. The firm offers both non-discretionary advisory relationships and access to discretionary separately managed accounts, utilizing multi-asset model portfolios and a centralized operational structure.