Kevin Ho is a financial advisor at Morgan Stanley with nine years of industry experience. He holds the Series 66 designation and has worked at Morgan Stanley since 2017, including a role at Morgan Stanley Private Bank, N.A. Prior to joining Morgan Stanley, he was employed by Bank of America and Merrill Lynch. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery and approved tools, incorporating modeling techniques such as Monte Carlo simulations, while generally acting in an advisory capacity for clients.

Shannon Peace is a financial advisor at Charles Schwab with 17 years of industry experience. He holds the Series 63, Series 65, and Series 66 licenses. His work history includes roles at Charles Schwab Premier Bank, Charles Schwab Bank, and Breakaway Capital Management, among others. Charles Schwab & Co., Inc. serves 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 discretionary separately managed accounts and uses multi-asset model portfolios supported by centralized supervisory and custody arrangements.

Alice Chow is a financial advisor at Morgan Stanley with 39 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, Bank of America, and Merrill. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and offers both direct individual plans and Corporate Financial Planning agreements.

Andrew Chang is a Series 66-licensed financial advisor with Morgan Stanley in Palo Alto, California, where he has worked since 2015. He has 13 years of industry experience. Outside of his advisory role, he is involved in a real estate property ownership activity. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and provides services through various channels, including direct individual plans and corporate financial planning agreements.

Todd Nelson is a financial advisor with Morgan Stanley in Menlo Park, CA, holding a Series 66 designation and 25 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning supported by structured discovery conversations and firm-approved tools.

Scott Hamaguchi is a financial advisor with Raymond James Financial, holding Series 63 and Series 66 credentials and bringing 23 years of industry experience. He has been associated with Raymond James Financial Services Advisors, Inc. since 2012 and also works with Addison Avenue Investment Services in a sales support role. He is based in San Jose, CA. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, institutions, and charitable organizations. The firm employs risk profiling and analytical tools to tailor non-discretionary planning and promotes client implementation through its advisory programs or other providers.

Courtney John is a Wealth Management Planning Consultant at Fidelity Investments. In this role, Courtney partners with advisors to provide detailed and comprehensive service and planning support tailored to high-net-worth clients. Courtney collaborates closely with clients to understand their unique financial goals and to develop personalized strategies that align with their priorities. Courtney's experience at Fidelity Investments includes roles as an Investment Consultant from 2023 to 2025, a Relationship Manager from 2022 to 2023, and a Financial Representative from 2021 to 2022. Courtney holds a California Insurance License. Outside of professional responsibilities, Courtney's personal interests include gardening, golf, painting, skiing, and surfing.

Katherine Chappell is a financial advisor with Ameriprise in Redwood City, CA, holding a Series 66 designation and 24 years of industry experience. She has been with Ameriprise and its affiliates since 2002. Outside of her advisory role, she owns Triple F Training, a horse training business, and serves as Treasurer on the Hacienda Gardens Board of Directors. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides clients approaching or in retirement with written recommendation reports and ongoing annual planning advice focused on income and tax-aware withdrawal strategies.

Phu Nguyen is a financial advisor at Fidelity with 20 years of industry experience. He holds the Series 63, Series 65, and Series 66 credentials. His prior experience includes roles at Morgan Stanley, Citigroup Global Markets, Jones Lang LaSalle, and ownership of The Maintenance Concierge Inc. Fidelity’s Strategic Advisers LLC, where Nguyen works, provides investment management and advisory services to retail and institutional clients, including registered investment companies. The firm combines fundamental research with quantitative and algorithmic portfolio construction, offering model portfolios and discretionary management with oversight of affiliated sub-advisers.

Gemma May Labar is a Series 66-licensed financial advisor with Morgan Stanley in Menlo Park, CA, where she has worked since 2015. She has 18 years of industry experience. Outside of her advisory role, she operates an online retail business through Poshmark. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a broad range of advisory programs to individual and institutional clients. The firm provides tailored financial planning supported by firm-approved tools and emphasizes its advisory role in creating but not implementing client plans.

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 nine years of industry experience. He holds Series 63 and Series 66 designations and has worked at JPMorgan Chase Bank, JP Morgan Securities LLC, and Wells Fargo Bank. Prior to his financial services career, he was employed at Cinemark Theaters for sixteen years. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process integrates quantitative and qualitative research and includes a focus on eligible strategies and ESG factors.

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.

Kevin Huang is a Financial Consultant at Fidelity Investments, where he has been working since 2021. In this role, he helps clients create clear and personalized retirement plans, offering trusted guidance through life's milestones and supporting informed financial decisions. Prior to his current position, Kevin gained experience as a Private Client Banker at JP Morgan Chase from 2019 to 2021, and as an International Marketing Manager at Bank of the West from 2015 to 2019. He holds a California Insurance License. Outside of his professional work, Kevin enjoys camping, attending concerts, cooking and baking, visiting museums, and snowboarding.

Marcial Vargas is a Series 66 licensed financial advisor with 15 years of industry experience. He is currently with Ameriprise, where he has worked since 2022, and has prior experience at Wells Fargo Clearing, J.P. Morgan Securities, and Chase Investment Services Corp. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. It offers a specialized Premier Retirement Income service that provides retirement income planning and ongoing advice through a central service team working alongside advisors, focusing on dependable income sources and tax-aware withdrawal strategies.

Hector Naranjo Lepe is a financial advisor at Morgan Stanley with five years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Smith Barney LLC since 2019, following two years at Merrill. Outside of finance, he was involved with Rose Garden Massage from 2012 to 2020. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and financial planning services that utilize structured discovery processes and firm-approved tools to support client planning.

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.

Michael Martin is a financial advisor with LPL Financial, holding a Series 66 designation and eight years of industry experience. His prior roles include tenures at Martin, Wardin & Eissner Financial Group and Commonwealth Financial Network. He is also involved in tax preparation services through Martin, Wardin & Eissner Tax Service. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, and third-party asset management, supported by technology tools and a broad platform of financial activities.

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.