Melinda Cao
Advisor at SoFi Wealth LLC
Updated today
Data sourced from SEC public records (and other sources when available). Some details may be added by the advisor after claiming their profile. Refreshed daily • Updated today.
Firm
SoFi Wealth LLC
Location
Missouri City, TX
Credentials
CFP®, Series 63, Series 65
Industry experience
7 years
About
Melinda Cao is a CFP® professional with seven years of industry experience, currently serving as a financial advisor at SoFi Wealth LLC since 2020. Her prior roles include positions at Axa Advisors, LLC, AXA Equitable, LLC, and Charles Schwab. SoFi Wealth provides automated investment management and digital advice primarily to individual investors through online and mobile platforms, using model portfolios of mutual funds and ETFs managed on a discretionary basis. The firm serves a large retail client base and integrates proprietary software, self-service tools, and remote planner interactions in its service delivery.
Client services
Based on SoFi Wealth LLC
Financial planning
Portfolio management
Newsletters or periodicals
Educational seminars or workshops
Expertise
Based on SoFi Wealth LLC
College savings (529s, UTMA, etc.)
ESG / Sustainable investing
Private / alternative investments
Fee options
0.25% annually (wrap fee)
Location
Missouri City, TX
Most active in
Melinda C has reported serving >5 clients in these states in the last 12 months.
Texas
Work history
SoFi Wealth LLC
2020 - Present (6 years)
SoFi Securities LLC
2020 - Present (6 years)
Axa Advisors, LLC
2019 - 2020 (1 year)
AXA Equitable, LLC
2019 - 2020 (1 year)
Charles Schwab Bank
2019 - 2019 (1 year)
Charles Schwab
2016 - 2019 (3 years)
Unemployed
2016 - 2016 (1 year)
University of Texas at El Paso
2014 - 2016 (2 years)
Disclosures
Disclosures include customer complaints, regulatory actions, employment terminations, bankruptcies, and certain legal protections.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
Bank
They're affiliated with a bank that may offer its own financial products and services.
Is not active or affiliated with:
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
William Z
Series 65
Houston, TX
Coastal Wealth Management, LP
Andrew N
Series 65
Houston, TX
Alpha-Tech Investments, LLC
Debra H
ChFC®, Series 63
Pearland, TX
DPH Financial
David B
ChFC®, Series 66
Houston, TX
Decision Tree Advisor
Stephanie S
CFP®, Series 63
Houston, TX
SM Scherr Financial LLC
Orie H
ChFC®, PFS™, Series 65
Houston, TX
Epiphany Wealth Management
Not sure where to start?
We'll help you think it through – whether you ultimately need an advisor or not.
Warmer provides personalized recommendations and introductions to independent fiduciary advisors. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
Each advisor listed on our site is an independent fiduciary responsible for their own advice. Warmer may receive fees from advisors for participation or referrals; these fees are paid by advisors and do not affect the fees clients pay for advisory services.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Please review an advisor's Form ADV and do your own diligence before entering into an advisory relationship.
By using our service, you agree to Warmer's Terms of Service and Advisory Agreement and Privacy Policy. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. ("Warmer")