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. Her prior roles include positions at Prudential Insurance Company of America, Pruco Securities, LLC, TIAA-CREF, and Charles Schwab. LPL Enterprise provides investment advisory and brokerage services to a broad client base, including individual and high-net-worth investors, employer-sponsored retirement plans, banks, and corporate and charitable entities. The firm utilizes a model-driven investment approach and offers financial planning, access to third-party asset managers, and participation in wrap programs.

Koby Lieu is a financial advisor at Raymond James Financial with two years of industry experience. He holds a Series 66 designation and has worked with various branches of Raymond James since 2021. Outside of his advisory role, he serves as an independent contractor providing support services to Wealthstone Asset Management Group. Raymond James Financial Services Advisors, Inc. offers financial planning and investment consulting to individual, high-net-worth, institutional, and corporate clients. The firm utilizes tailored, non-discretionary planning and analytical tools to align investment strategies with client goals, and additionally supports municipal and public finance work through a specialized advisory affiliation.

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 based in Sunnyvale, CA, holding Series 63 and Series 65 credentials and bringing 22 years of industry experience. He has been with LPL Financial since 2009, following earlier roles at Investment Advisors International, Inc. and several other firms in 2009. Lan Lin is also involved in non-variable insurance sales through Polaris Advisory, focusing on life, health, disability, long-term care insurance, and fixed annuities. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individual clients, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management services, including access to model portfolios, third-party asset managers, and institutional platforms.

Ji Michael Chung is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 27 years of industry experience. He previously worked at Morgan Stanley and Morgan Stanley Private Bank from 2015 to 2019. Outside of his advisory role, he provides in-home care services in San Jose, CA. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm combines research from Wells Fargo Investment Institute with third-party analytics to offer diversified investment solutions, alongside a range of financial products through its bank and insurance affiliates.

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.

Chris Tran is a Financial Consultant currently working at Fidelity since 2024. He has previous experience as an Investment Advisor Representative at Fisher Investments from 2004 to 2018. Chris holds a California Insurance License. His professional focus is on helping clients grow and protect their wealth, make well-informed investment decisions, and simplify their financial lives. He emphasizes building strong relationships through clear and concise communication to help clients feel educated and confident in their decisions. Outside of his professional work, Chris has personal interests in camping, cars, fitness, traveling, and yoga.

Christopher Olivarez is a CFP® with 14 years of industry experience. He is currently a financial advisor at OSAIC and previously worked at Securities America Advisors, Fidelity Personal and Workplace Advisors, and Merrill. Olivarez operates a sole proprietorship involved in insurance sales and service. OSAIC Wealth serves a diverse client base, including retail and institutional investors, through a multi-advisor platform offering brokerage and advisory services. The firm utilizes model-based asset allocation and portfolio optimization, providing a variety of investment programs and third-party manager options.

Sy Nguyen is a Financial Advisor with Merrill Lynch Wealth Management, where he has been advising clients since 2022. He assists clients in wealth accumulation and preservation by developing personalized financial strategies tailored to their long-term goals. Sy works closely with clients to understand their priorities and provides appropriate solutions to improve their financial situations. He also facilitates access to Merrill Lynch's resources and the banking services of Bank of America to address various financial aspects. Before joining Merrill Lynch, Sy accumulated over three years of experience as a Financial Advisor at Edward Jones. His expertise encompasses services for defined benefit and contribution plans, managing new wealth, personal retirement planning, portfolio management, and retirement income. Sy holds several professional designations, including Chartered Retirement Planning Counselor (CRPC), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned his MBA in Finance from the Neeley School of Business at Texas Christian University and completed his undergraduate studies in Finance and Accounting. Outside of his professional responsibilities, Sy enjoys hiking, running, and spending time with his family. He is also involved in community activities through organizations such as Second Harvest of Silicon Valley and the Vietnamese American Organization.

Richard Dupont is a Series 66-licensed financial advisor with 25 years of industry experience. He is currently with J.P. Morgan Securities in Palo Alto, CA, having previously worked at firms including First Republic Investment Management, Bank of America, Merrill, and Banc of America Investment Services. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of advisors. Their non-discretionary advisory program emphasizes written asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence and integrating ESG eligibility frameworks.

James Morehouse is a Series 66 licensed financial advisor with 13 years of industry experience. He is currently with J.P. Morgan Securities and J.P. Morgan Chase Bank, n.a., having previously worked at First Republic Investment Management, Inc., First Republic Securities Company, LLC, and Wells Fargo Clearing. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager and fund searches, and customized performance reporting. Their advisory process incorporates centralized due diligence with both quantitative and qualitative research, offering expertise that includes broader derivatives and commodities capabilities.

William Wang is a financial advisor with Charles Schwab in Cupertino, CA, holding Series 66 and Series 63 licenses and 13 years of industry experience. He has worked at Charles Schwab and Charles Schwab Bank since 2014. Outside of his advisory role, he owns and operates an automotive repair business focused on building and restoring cars. Charles Schwab serves a large client base of primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment solutions, integrating multi-asset model portfolios with access to alternative investments and comprehensive custody and brokerage services.

Adam Fischer is a Series 66-registered financial advisor with UBS Financial Services in Los Gatos, CA, where he has worked since 2013. He has 21 years of industry experience. Fischer serves on the Finance Commission for the Town of Los Gatos, advising on financial and budgetary matters for the local government. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and advisory offerings, including financial planning, portfolio management, and mutual fund distribution. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor financial plans.

Dominic Carradero is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and 65 registrations and bringing 36 years of industry experience. He has worked at Cambridge Investment Research Advisors since 2010 and previously spent 10 years at PRUCO Securities, LLC. Outside of advising, Carradero also works as an independent insurance agent for various companies. Cambridge Investment Research Advisors serves a diverse client base that includes individual investors and institutional entities such as pension and charitable organizations. The firm offers financial planning, investment management, retirement-plan advisory, and wrap-fee programs through thousands of financial professionals and manages assets across multiple platforms and custodians.

Harlan Sylvester is a financial advisor with Morgan Stanley in Menlo Park, CA, holding a Series 66 designation and nine years of industry experience. He has been with Morgan Stanley and Morgan Stanley Private Bank, National Association since 2017. He serves as a council member outside of his advisory work. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and research from its Global Investment Committee.

Shannon Michaels is a financial advisor with Morgan Stanley in San Jose, CA, holding a Series 66 license and four years of industry experience. Prior to her current role, she worked within Morgan Stanley’s Private Bank and Smith Barney divisions. Outside of finance, Michaels is involved in the entertainment industry as a singer, songwriter, and performer, owning and partnering in several music-related businesses based in Nashville. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to both individual and institutional clients. The firm manages approximately $2.74 trillion in client assets and utilizes a structured financial planning process supported by proprietary tools and market models.

Laurel Fierro is a Series 66-licensed financial advisor at Raymond James & Associates with 18 years of industry experience. She previously worked at Wells Fargo Clearing for seven years before joining Raymond James in 2023. Outside of her advisory role, she serves as a board member for the Madrone Plaza Homeowners Association in San Jose, where she participates in meetings focused on budgeting, financial oversight, and architectural improvements. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, pension plans, and charitable organizations, offering financial planning, non-discretionary investment consulting, municipal advisory services, and a range of portfolio management options.

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.

Lorraine Taylor is a Series 66-licensed financial advisor at Osaic with 29 years of industry experience. She worked at Lincoln Financial Advisors for 25 years before joining Osaic in 2025. She also serves as a co-trustee of her family trust. Osaic Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients, offering brokerage and advisory services through a multi-advisor platform. The firm’s investment approach focuses on model-based asset allocation and portfolio optimization, supported by advanced risk-assessment tools and a variety of managed account options.