Focus
Jeff believes successful client relationships are built on the trust established by taking the time to develop a deep understanding of every client’s highest priorities. It’s more than just managing money. It’s about being a dependable resource for whatever his clients need in a timely manner. His goal is to coordinate, consolidate, and simplify clients’ lives to help enable them to focus on what is most important to them and their families.

As a Private Wealth Financial Advisor who holds a Certified Investment Management Consultant (CIMC®) designation, Jeff helps analyze every aspect of his clients’ financial lives. This includes assets, liabilities and cash flow, current insurance coverages, and investment and tax strategies. With a precise understanding of a client’s current financial situation and having defined their objectives through the discovery process, he is then able to construct and implement a client approved portfolio specific to their needs. Jeff also assists clients in making the necessary adjustments to their plans as life events and estate/tax laws change. Although Jeff does not provide tax or legal advice, he is happy to coordinate with your tax/legal advisors.

His investment approach focuses on working with carefully selected money managers to help optimize risk-adjusted returns. He leverages his long-standing relationship with the members of the Wells Fargo Investment Institute’s Global Manager Research team to access and employ the Institute’s timely, actionable investment capabilities in key areas such as global economic strategy, manager research, and tactical and cyclical asset allocation modeling in an effort to help clients achieve their goals.

Background and experience
Jeff is a Managing Director – Investments and has over 30 years of experience working with high-net-worth individuals and institutional investors. He utilizes a combination of wealth management strategies designed for capital preservation and potential wealth creation. He offers discretionary portfolio management for clients who seek the ability to build and maintain customized portfolios using a diverse selection of investments. His recommendations are objective and unbiased, and he utilizes an open architecture platform that provides his clients with access to thoroughly researched investment managers.

Prior to joining Wells Fargo Advisors, Jeff was a Financial Advisor for Sanford C. Bernstein & Co. He is a member of the Investments and Wealth Institute.

Away from the office
Jeff’s involvement in the local community includes serving as Chairman of the Board of Dignity Health California Hospital Foundation, as well as Chairman Emeritus for the Make-A-Wish Foundation of Greater Los Angeles. He lives in the Los Angeles area with his wife and loves to spend time with his family, which includes six children and three grandchildren. Jeff’s other interests include travel, trying new cuisines, and golf. 

CA Insurance License Number: 0D14107.
Resident State CA

Wells Fargo and Company and its Affiliates do not provide tax or legal advice. This communication cannot be relied upon to avoid tax penalties. Please consult your tax and legal advisors to determine how this information may apply to your own situation. Whether any planned tax result is realized by you depends on the specific facts of your own situation at the time your tax return is filed.
Insurance products are offered through nonbank insurance agency affiliates of Wells Fargo & Company and are underwritten by unaffiliated insurance companies.

Focus
Vinnie offers investment planning experience that includes family wealth management, liquidity event planning, tax-efficient wealth transition and protection strategies. He focuses on learning what clients value most, helping them clarify their highest-priority goals and building a well-rounded plan designed to fit their personal objectives, risk tolerance and time horizon. 

With a background as a CPA, Vinnie is well positioned to understand changing tax laws and their potential implications for his clients. In addition, he advises corporate executives and small-business owners on issues related to business succession, liquidity events, concentrated stock positions, employee stock options, retirement plan structuring and asset management.

Background and experience
Vinnie has more than 15 years of experience in the financial services industry. As a CERTIFIED FINANCIAL PLANNER® professional, Certified Exit Planning Advisor professional and Chartered Financial Consultant® designee, he brings an added level of knowledge to reviewing clients’ financial situation and recommending strategies targeted to their goals.  As a Certified Divorce Financial Analyst® professional, Vinnie is skilled at analyzing data and providing expertise on the financial issues of divorce. The role of the CDFA® professional is to assist the client and his or her attorney to understand how the decisions he or she makes today will impact the client’s financial future. 

Before joining Wells Fargo Advisors in 2014, Vinnie was a Senior Fiduciary Advisory Specialist at Wells Fargo Bank, where he worked with families to help them better understand their estate plans. Previously, he practiced as a CPA advising high-net-worth families and owners of privately held businesses on income tax and estate planning strategies and business consulting services. (He is not currently practicing as a CPA.)

Vinnie holds a bachelor’s degree in accounting from Santa Clara University and a master’s degree in business taxation from the University of Southern California.

Away from the office
A native of Los Angeles, Vinnie resides in Manhattan Beach with his sons, Giovanni and Luca. Outside the office, Vinnie loves cooking, traveling, surfing with his boys, and spending time in his community. 

Vinnie also holds a black belt in Gracie Jiu Jitsu, representing his dedication to learning self-defense techniques that he shares with his fellow students including fighters, law enforcement officers, and military personnel.

CA Insurance License: 0L72154
Resident State: CA

The use of the CDFA® designation does not permit Wells Fargo Advisors or its Financial Advisors to provide legal advice, nor is it meant to imply that the firm or its associates are acting as experts in this field.

Wells Fargo and Company and its Affiliates do not provide tax or legal advice. This communication cannot be relied upon to avoid tax penalties. Please consult your tax and legal advisors to determine how this information may apply to your own situation. Whether any planned tax result is realized by you depends on the specific facts of your own situation at the time your tax return is filed.

Focus
Kelly works with high-net-worth and ultra-high-net-worth clients and their families, helping them analyze every aspect of their financial lives. By discovering and elevating each client’s individual needs, Kelly helps build complex plans tailored around their short- and long-term goals while leveraging a team of advisors and specialists to assist with each client’s needs. As part of a review process, she tracks her clients’ plans and  meets with them to determine if any adjustments are needed to stay aligned with their goals.

She truly enjoys what she does because of her ability to listen, learn, understand, and simplify complexities for her clients. She is honored to be the gateway for their guidance, resources, and solutions. Given her 20+ years of experience at Wells Fargo, she is very knowledgeable and resourceful while helping connect her clients with the 80 different business lines within the Wells Fargo enterprise.

Kelly also works with middle-market business owners and helps advise them on issues related to business succession planning, liquidity event planning, wealth transition strategies, concentrated stock positions, and asset management.

Background and experience
Now a part of Wells Fargo Advisors where she, after over 23 years of experience working at Wells Fargo Bank, Kelly focuses on full balance sheet planning, including any potential debt or liabilities. She also can provide access to Wells Fargo affiliate products and services such as Wealth Planning, Private Banking, Trust and Fiduciary Services, and Insurance as well as various customized and more traditional lending products.

Kelly received her bachelor’s degree in international business and finance from Woodbury University.

Away from the office
Kelly lives in South Bay with her husband, Alex, and three children: Madison, Hunter, and Austin. In her free time, she enjoys traveling, cooking, and spending time with her family. Kelly was raised in Honolulu and speaks fluent Cantonese. She is the former Vice Chairman and current Emeritus Board Member of the Asian Pacific Community Fund.  

CA Insurance License: 0I77303
Resident State: CA
Lending and other banking services available through Wells Fargo Advisors (NMLS UI 2234) are offered by banking and non-banking subsidiaries of Wells Fargo & Company, including, but not limited to Wells Fargo Bank, N.A. (NMLSR ID 399801), Member FDIC, and Wells Fargo Home Mortgage, a division of Wells Fargo Bank, N.A. Certain restrictions apply. Programs, rates, terms, and conditions are subject to change without advance notice. Products are not available in all states. Wells Fargo Advisors is licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act and the Arizona Department of Financial Institutions (NMLS ID 0906158). Wells Fargo Clearing Services, LLC, holds a residential mortgage broker license in Georgia and is licensed as a residential mortgage broker (license number MB2234) in Massachusetts.  Equal Housing Lender

Wells Fargo Bank, N.A. offers various advisory and fiduciary products and services including discretionary portfolio management. Wells Fargo affiliates, including Financial Advisors of Wells Fargo Advisors, a separate non-bank affiliate, may be paid an ongoing or one-time referral fee in relation to clients referred to the bank. The bank is responsible for the day-to-day management of the account and for providing investment advice, investment management services and wealth management services to clients. The role of the Financial Advisor with respect to the Bank products and services is limited to referral and relationship management services. Some of The Private Bank experiences may be available to Clients without a relationship with Wells Fargo Bank, N.A.

Lucas Germain works with high-net-worth individuals and families to deliver thoughtful, research-driven financial strategies centered on long-term success. With a strong emphasis on investment research and planning, he helps clients make informed decisions by breaking down complex market dynamics into clear, actionable insights tailored to their specific objectives.

By taking the time to understand each client’s broader financial picture, Lucas designs customized plans that evolve alongside their goals. He makes timely updates on progress and proactively revisits strategies to help ensure they remain aligned in changing market conditions and life circumstances. His approach combines analytical rigor with a practical mindset, helping clients stay focused and confident in their financial direction.

With four years at Wells Fargo Advisors, Lucas has developed a solid foundation in connecting clients to the firm’s wide range of resources. He collaborates closely with specialists across the organization to deliver cohesive solutions spanning investment management, planning, and more.

Away From office:
Outside of his professional life, Lucas Germain resides in the South Bay, where he spends much of his free time staying active and exploring the outdoors—whether that’s mountain climbing, surfing, or seeking out standout dining experiences across Los Angeles.

With academic roots in New York, Lucas also maintains a strong connection to Manhattan. He travels there regularly to collaborate with Wells Fargo’s investment team and remains actively engaged in the city’s vibrant food and art scenes.

CA Insurance License: 4291821, Resident State: CA

Joy Ogbunamiri is a Client Performance Analyst who has more than 25 years of experience in the financial services industry as part of this team. Our clients always know that they will be greeted by Joy’s warmth and deep knowledge and understanding of their relationship. Her goal is to deliver the highest level of personal service and client support.

Joy obtained a Bachelor of Arts in Economics from Stanford University and holds a California insurance license. Away from the office, she enjoys spending time with her family, traveling, engaging in activities reflecting her Nigerian heritage, and cheering on her Los Angeles Clippers.  

CA Insurance License: 0K93612
Resident State: CA

Han Nah brings over 21 years of experience in the financial services industry, with a strong background in client service and operations. She takes a holistic approach to understanding and addressing each client’s unique needs, and she is committed to building lasting relationships grounded in trust and integrity.

Throughout her career, Han Nah’s passion for helping others has driven her to deliver a high level of service in a client-focused environment. She earned her Bachelor of Arts in Sociology from UCLA and holds a California insurance license.

Outside of work, Han Nah enjoys traveling, fostering animals, attending live concerts, and spending time outdoors with her dog.

CA Insurance License Number: 0E46743
Resident State: CA

Elena brings over 15 years of experience in financial services, with a strong passion for solving complex challenges. Her solution-oriented mindset, combined with her enthusiasm and dedication, makes her a valued resource for both clients and colleagues.

She holds a Master of Arts in Accounting from Huazhong University of Science and Technology and, since relocating to the United States, has earned both an MBA from the University of Missouri–St. Louis and a Master of Arts in Communications and Leadership from Maryville University. Earlier in her career, Elena spent four years with China Merchants Bank as a VIP Wealth Management Financial Advisor. She is fluent in both Mandarin and English.

Outside of her professional life, Elena enjoys traveling with her husband and their three young children. She has a passion for exploring local cuisine and discovering the outdoors. Together, she and her husband are deeply committed to raising their children with an appreciation for both cultures.

Stacy brings over 15 years of financial industry experience and joined the Germain DiCarlo & Wong Private Wealth Group team in 2022. She is known for her strong analytical skills and can‑do attitude, working closely with her colleagues to ensure client service and operational needs are handled accurately and efficiently. She enjoys resolving client inquiries and supporting the team’s daily workflow.

Stacy earned a Bachelor of Science in Mathematics from California State University, San Marcos. Outside of the office, she loves spending time with her two sons and enjoys watching movies.

Sara Gonzalez is a Senior Registered Client Associate with over a decade of experience in financial services. She joined the Germain DiCarlo & Wong Private Wealth Group of Wells Fargo in 2022, where she’s become a trusted and approachable resource for clients and colleagues alike.

Sara is known for her calm, friendly presence and her genuine dedication to helping clients feel supported and understood. She enjoys building meaningful relationships, solving problems with creativity, and making every interaction as seamless and positive as possible. Clients appreciate her reliability, attention to detail, and the care she brings to every request—big or small.

Outside the office, Sara is happiest exploring the outdoors, hiking LA County’s beautiful trails, spending time with her family, and discovering new places around the world. She brings that same spirit of curiosity and connection into her work every day.