Edward Dinan is a financial advisor at Edelman Financial Engines with 16 years of industry experience. He holds a Series 66 designation and has been with Financial Engines Advisors L.L.C. since 2013. Outside of his advisory role, he serves as Treasurer and CFO for Samye, a 501(c)(3) religious organization, where he manages bookkeeping, bank accounts, taxes, and stock donations on a volunteer basis. Edelman Financial Engines provides technology-enabled investment advisory services for workplace retirement accounts, IRAs, taxable accounts, and institutional clients, managing model-based and customized portfolios while supporting a large client base through advisor-led and online platforms.

Rocky Yip is a financial advisor at J.P. Morgan Securities with eight years of industry experience. He holds the Series 63 and Series 66 licenses and has worked at JP Morgan Securities LLC and JPMorgan Chase Bank since 2017, with prior experience at Wells Fargo Bank and Cinemark Theaters. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. As a subsidiary of J.P. Morgan, the firm combines institutional advisory services with brokerage, distribution, and investment management capabilities.

Kevin Harrington is a financial advisor with Morgan Stanley in Palo Alto, CA, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2009. Outside of his advisory role, he is involved in a trust-related business activity in San Francisco. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a wide range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured approach to financial planning using firm-approved tools and modeling techniques.

Joseph Wang is a financial advisor at Cetera with 15 years of industry experience and holds the Series 66 designation. He has worked at Cetera since 2019 and previously spent four years at Citigroup. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a variety of portfolio management and financial planning services through a multi-manager platform with access to both affiliated and third-party investment strategies.

Jeffrey Raegen is a financial advisor with Ameriprise in San Jose, CA, holding a Series 66 designation and having 24 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he serves on the boards of Troop 290 Committee and Pacific Swimming, where he holds finance-related leadership positions. Ameriprise offers retirement-income planning services focused on clients approaching or in retirement, utilizing research-driven, tax-efficient strategies and algorithmic tools to generate tailored recommendations. The firm serves high-net-worth individuals and provides a broad range of advisory, brokerage, and insurance solutions through its institutional platform.

David Gilchrist is a Wealth Management Advisor at Merrill Lynch Wealth Management. He works with a select group of high-net-worth families, executives, entrepreneurs, and professionals, providing comprehensive wealth-planning strategies that address complexity, preserve capital, and support long-term financial objectives. His approach is client-centric and emphasizes understanding clients' financial situations alongside their professional and personal lives to inform sound financial decisions. David specializes in areas including divorce transition planning, executive compensation, family wealth management strategies, legacy planning, personal retirement planning, portfolio management, small business strategies, individual and corporate investment strategy, tax minimization, and retirement income. Prior to joining Merrill, he gained experience in accounting at an estate-planning law firm and as a tax auditor for the City of Los Angeles Office of Finance, applying this background to help clients with tax-aware strategies within their wealth plans. He holds a Bachelor's degree in Economics from Loyola Marymount University and a certificate in Accounting from UCLA. Additionally, he has earned the Certified Investment Management Analyst (CIMA) designation awarded by the Investments & Wealth Institute in conjunction with Yale University. Outside of his professional role, David enjoys golfing, hiking, pickleball, reading, running, soccer, spending time with family, tennis, traveling, and yoga.

Elisabeth Lee is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. Her prior work includes roles at the Law Offices of Andrew B Shin and the University of Southern California. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Dana Seto Chun is a CFP® with 24 years of industry experience, currently affiliated with LPL Enterprise. She has previously worked at Prudential Insurance Company of America, Pruco Securities, LLC, and TIAA-CREF. Outside of her advisory role, she is involved with a family trust that manages real estate investments. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage services. The firm offers financial planning, access to model wealth portfolios, third-party asset management, and a range of brokerage and insurance products, utilizing an integrated platform that combines adviser programs with active sales of financial products.

Chad Bell is a financial advisor at Morgan Stanley with over 23 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley since 2011. Outside of his advisory role, he serves on the administration and finance committee for Trinity Presbyterian Church and works as a bookkeeper and payroll assistant for the Santa Cruz Forest School. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer managing approximately $2.74 trillion in client assets. The firm offers a range of advisory programs and financial planning services to individuals and institutions, utilizing structured planning tools and methodologies without providing individual security recommendations as part of its standalone planning services.

Lan Lin is a financial advisor with LPL Financial in Sunnyvale, CA, holding Series 63 and Series 65 licenses and having 22 years of industry experience. Lin has been with LPL Financial since 2009. In addition to advisory services, Lin is involved with Polaris Advisory, which provides non-variable insurance products including life, health, disability, long-term care, and fixed annuities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement consulting, and brokerage services, utilizing model portfolios, third-party subadvisors, and various technologies to support diversified investment strategies.

Emma Tornel is a financial advisor at Charles Schwab with Series 66 registration and experience beginning in 2023. Prior to joining Charles Schwab, she held positions at JPMorgan Chase and Capital One, among other roles in diverse industries. Charles Schwab & Co., Inc. serves a large client base of primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers an integrated platform including brokerage, custody, and advisory services.

Shawn Henley is a financial advisor with Morgan Stanley in Pleasanton, CA, holding a Series 63 designation and over 39 years of industry experience. He has been with Morgan Stanley and its affiliates since 2007, including roles at Morgan Stanley & Co., Morgan Stanley Smith Barney, and Morgan Stanley Private Bank, National Association. Outside of his advisory work, he is a sole proprietor of a rental home business. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a broad range of advisory programs and tailored financial planning. The firm employs a structured planning process using proprietary tools and models while providing both direct and employer-based financial planning services.

Lili Huang is a financial advisor at J.P. Morgan Securities with seven years of industry experience. She holds Series 63 and Series 66 licenses and has worked at firms including New York Life Insurance Company and Enterprise Rent-A-Car. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework when recommending investment strategies.

Matthew Weaver is a CFA® charterholder and Series 63 licensed advisor with 12 years of industry experience. He has been with LPL Financial since 2016 and also works with Fremont Bank, where he has been active since 2015. Prior to joining LPL, he spent a year at Sorrento Pacific Financial, LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting services, utilizing both discretionary and non-discretionary management alongside model portfolios and research.

Meiting Lin is a Series 66-licensed financial advisor at J.P. Morgan Securities with one year of industry experience. Prior to joining J.P. Morgan Securities in 2026, Lin worked at Citibank and Bank of America. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a process that combines quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

Richard Dupont is a financial advisor at J.P. Morgan Securities with 25 years of industry experience. He holds a Series 66 designation and has worked at Merrill, Bank of America, First Republic Investment Management, and J.P. Morgan entities. Based in Palo Alto, CA, he has been with J.P. Morgan Securities and JPMorgan Chase Bank since 2023. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

James Morehouse is a Series 66 licensed financial advisor with 13 years of industry experience. He is currently with J.P. Morgan Securities and JP Morgan Chase Bank, n.a., having previously worked at First Republic Investment Management, Inc., First Republic Securities Company, LLC, and Wells Fargo Advisors. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Dominic Carradero is a financial advisor with Cambridge Investment Research Advisors in San Jose, CA, holding Series 63 and Series 65 credentials and possessing 36 years of industry experience. He has been with Cambridge Investment Research since 2010. Outside of advisory work, he operates as an independent insurance agent for various companies. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a nationwide network of independent professionals, utilizing a range of managed account platforms and both discretionary and non-discretionary strategies.

Michael Valenzuela is a Financial Consultant at Fidelity Investments, where he has been serving clients since 2025. He has held multiple roles within Fidelity Investments, including Investment Consultant, Relationship Manager, and Workplace Planning Consultant, gaining a breadth of experience in financial services since 2021. Michael specializes in retirement planning, tax-efficient investing, and children's education planning. He emphasizes education and communication to help clients make informed investment decisions and feel confident in their financial strategies. He holds a California Insurance License, supporting his work in comprehensive financial planning. Outside of his professional role, Michael enjoys hiking and reading.

Howard Hertz is a CFP® with 27 years of industry experience, currently affiliated with Cetera since 2021. He has held roles with Avantax Insurance Agency, Tri-Valley Tax & Financial Services, and other related businesses. In addition to his advisory work, he is president and owner of Tri-Valley Tax & Financial Services and is an enrolled agent. Cetera Investment Advisers LLC operates a multi-manager platform serving individuals, retirement plans, corporate and charitable clients, and institutional accounts, offering a range of portfolio management and financial planning services through a nationwide network of over 10,000 advisors.