San Jose, CA Office

Reuben Chen is a CFP® with 37 years of industry experience, currently serving at M HOLDINGS SECURITIES, Inc. since 2015. He also founded and leads Wellspring Consulting, where he has worked since 2001. Outside of advisory work, Chen is actively involved in community and professional organizations, including founding and chairing roles in the Silicon Valley Lions Club and its foundation, as well as serving as chairman of the Asian American Insurance & Financial Professional Association (NorCal Chapter). M HOLDINGS SECURITIES, Inc. serves individuals, retirement plans, charitable organizations, corporations, and other entities through a nationwide network of independent firms and professionals, offering a broad range of advisory and brokerage services including discretionary and non-discretionary investment management, retirement plan consulting, and insurance advisory. The firm combines portfolio management with third-party sub-advisors and provides ongoing monitoring and annual reviews tailored to client suitability.

Kelly Fong is a financial advisor with M HOLDINGS SECURITIES, Inc. in San Jose, CA, holding Series 63 and Series 65 licenses with 28 years of industry experience. She has worked at M Holdings since 2015 and has provided consulting services through Wellspring Consulting since 2003. Outside of her financial advisory work, she teaches cooking classes at various retail locations. M HOLDINGS SECURITIES, Inc. serves a diverse client base that includes individuals, retirement plans, charitable organizations, and corporations. The firm offers a range of advisory and brokerage services, including discretionary and non-discretionary investment management, retirement plan consulting, and insurance advisory, supported by ongoing monitoring and annual reviews.

Dennis Shao is a financial advisor at M Holdings Securities, Inc. with one year of industry experience. He holds the Series 66 designation and has worked concurrently at Wellspring Consulting and M Holdings Securities since 2016. M Holdings Securities, Inc. serves individuals, retirement plans, charitable organizations, corporations, and other business entities through a nationwide network of independent Member Firms and Financial Professionals. The firm offers a broad range of advisory and brokerage services, including discretionary and non-discretionary investment management, retirement plan consulting, financial planning, and insurance advisory, using both internal portfolio managers and third-party sub-advisors to deliver investment solutions.

Howard Cheng is a financial advisor with M HOLDINGS SECURITIES, Inc. in San Jose, CA, holding Series 63 and Series 65 licenses, and has 24 years of industry experience. He has been with M Holdings Securities since 2015 and also operates Wellspring Consulting and his own CPA practice, Howard Cheng, CPA, providing tax and accounting services. Cheng is involved in life, health, and annuities insurance activities alongside his advisory work. M Holdings Securities, Inc. serves a broad client base including individuals, retirement plans, charitable organizations, and corporations through a nationwide network of independent firms and financial professionals. The firm offers a range of advisory and brokerage services, including investment management, retirement plan consulting, insurance advisory, and sub-advisory arrangements, utilizing both in-house portfolio management and third-party sub-advisors.