Chinh Lai serves as Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2019. In this role, he focuses on financial planning with an emphasis on retirement, including planning for retirement, transitioning into retirement, and planning during retirement. He adopts an educational approach to help clients understand key financial concepts and feel confident in their decisions. Before joining Fidelity Investments, Chinh worked as an Assistant Vice President and Private Banker at Wells Fargo Bank, N.A. from 2008 to 2019. He holds a California Insurance License. Outside of work, Chinh enjoys family activities, football, tennis, traveling, and socializing with friends.

Anthony Rossi-Berg is the Vice President, Financial Consultant at Fidelity Investments, a role he has held since 2023. He has been with Fidelity Investments since 2014, progressing through various positions including Financial Consultant, Investment Consultant, and Workplace Planning and Guidance Consultant. His professional experience spans nearly a decade in financial planning and consulting. Anthony holds a California Insurance License, which supports his work in the financial services industry. He focuses on helping clients simplify the complexities of financial planning. Outside of his professional life, Anthony enjoys cooking and baking, golf, reading, and surfing.

John Spruill is a Wealth Management Advisor with Merrill Lynch Wealth Management. He brings over 25 years of experience in financial advising, focusing on areas such as college education planning, divorce transition planning, family wealth management strategies, personal retirement planning, and retirement income. John leverages his background as a former U.S. Air Force Weather Officer and his training to simplify complex financial matters, helping clients achieve clarity and confidence in their financial decisions. John holds a Bachelor of Science degree in Meteorology from Florida State University and an MBA in Financial Planning from California Lutheran University. He is a CERTIFIED FINANCIAL PLANNER® professional and holds several designations including Certified Plan Fiduciary Advisor (CPFA), Retirement Benefits Consultant (RBC), and Personal Investment Advisor (PIA). Additionally, John maintains Series 6, 7, 26, 63, and 65 FINRA registrations and holds Life Insurance and Annuity Licenses. His role as a Senior Portfolio Advisor allows him to build and manage customized investment strategies, often managing portfolios on a discretionary basis through Merrill’s Investment Advisory Program. John is actively involved in his community, contributing to organizations such as the Boy Scouts of America—of which he is an Eagle Scout—and the Ventura County Rescue Mission. He resides in Oxnard, California, with his wife, Karyn. His personal interests include baseball, football, hiking, running, surfing, and swimming.

Maxine Morgan is the Vice President and Branch Leader at Fidelity Investments, a position she has held since 2023. She leads a team of associates dedicated to understanding clients' needs and guiding them through the financial planning process. Prior to her current role, Maxine served as Assistant Branch Leader from 2021 to 2022, Senior Relationship Manager from 2014 to 2020, and Financial Representative from 2011 to 2014, all within Fidelity Investments. Maxine holds a California Insurance License. Outside of her professional responsibilities, she enjoys cooking and baking, participating in family activities, and traveling.

James Zgliniec is Vice President, Wealth Planner at Fidelity Investments, a position he has held since 2023. He collaborates closely with clients to develop customized wealth strategies that support their financial goals and address their concerns. James has been with Fidelity Investments since 2017, serving as Senior Relationship Manager from 2017 to 2019, Financial Consultant from 2019 to 2023, and currently as Vice President, Wealth Planner. He holds a California Insurance License. Outside of his professional role, James has personal interests in baseball, football, music, parenthood, and pets.