Reuben K. Chen, CFP®, CLU, RFC
Reuben K. Chen is the founder, CEO, and President of Wellspring Consulting. He has over 25 years of experience in integrated financial planning, asset management, retirement and estate planning (specializing in multi-generation estate planning issues), tax reduction strategies, insurance strategy as well as banking and mortgage lending. As the chief wealth strategist, Reuben’s clients include high net worth retirees, professionals, small business owners, corporate executives and non-profit institutions.
His philosophy is to maintain a well-balanced life and extends that belief in helping individuals realize their dreams, incorporating life coaching with proactive financial planning. Prior to forming his firm Wellspring Consulting, Reuben was with the Sagemark/Lincoln Financial Advisor for 14 years and oversaw their Milpitas office for 3 years.
Reuben has the Series 6 (Investment Products), Series 7 (General Securities) and Series 66 (Financial Advisor) securities registrations. In addition he holds California Life and Health Insurance license and certificate in Long Term Care. Reuben K. Chen is the Chair of Wellspring investment committee and he is fluent in English, Cantonese, Mandarin and Taiwanese. CA Insurance Lic. 0744325
Howard Cheng, CPA, Financial Advisor
Howard oversees the tax service division at our firm. He has over 20 years of experience in public accounting and working with corporations, partnerships and high net worth individuals in the San Francisco Bay Area. He specializes in serving the tax and business planning needs of closely held companies, partnerships and their shareholders/partners including tax filing requirements, amended returns and carry back claims, sales, payroll, property tax return filings, and IRS and state tax authority income tax audits.
Howard has the Series 7 (General Securities), Series 66 (Financial Advisor) securities registations. Additionally he holds a California Life and Health Insurance license and Real Estate license. His practice is built on utilizing his knowledge and expertise in multiple areas to help his clients to achieve financial security through tax and financial planning. Howard is fluent in English, Cantonese, Mandarin and Shanghainese. CA Insurance Lic. 0E31536
Kelly Fong, Financial Advisor
Kelly has over 15 years of financial service experience. He brings to our firm a versatile foundation of knowledge, experience and qualification in equity markets, fixed income markets and operational management. Before joining Wellspring Consulting, Kelly worked at Nabisco Foods Group as a territory manger and Quick and Reilly, a NYSE member firm. During this time at Quick and Reilly, he assisted clients in employee stock option exercise, restricted stock, stock reorganization, trade processing operations and investment management. Kelly holds a Bachelors degree from California State University at Sacramento in Business Finance.
Kelly has the Series 7 (General Securities) and 65 (Investment Advisor) securities registrations. In addition he is a California Life and Health Insurance license holder and holds a certificate in Long Term Care as well as Long Term Care for the California Partnership. CA Insurance Lic. 0E37698
Vijay Soman, Registered Representative
Vijay has over 10 years of financial services experience. He worked at TD Ameritrade as an Investment Consultant for over 9 years. He has experience with a risk management approach involving equity options and portfolio construction. While at TD Ameritrade, he earned the $10M Dollar Club Award after acquiring $10M of assets under management during Q4 2006. Later in Q4 2007, became a member of TD Ameritrade's President Club which he earned by enrolling high net worth clients to money managers.
He completed the CFP certification course from Denver College of Financial Planning. He is a Series 7 (General Securities), Series 63 (Securities Agent) securities registrations. In addition he holds a California Life and Variable Annuities licenses and certification in Long Term Care and Long Term Care for California partnership. Vijay is fluent in English and Hindi. CA Insurance Lic. 0C48976