Owen Byrnes is a Financial Advisor at Merrill Lynch Wealth Management and a member of the Byrnes & Associates team. The team manages $905 million of entrusted client assets and has over three decades of experience working with select families to help preserve and grow their wealth. Byrnes & Associates consists of three financial advisors and an experienced client associate. Owen focuses on providing personalized wealth management strategies tailored to the goals of each client. His expertise areas include college education planning, divorce transition planning, family wealth management strategies, legacy planning, managing new wealth, portfolio management services, tax minimization, and retirement income. He works to develop flexible financial strategies that align with the changing market conditions, leveraging the investment insights of Merrill and the banking solutions of Bank of America. He holds a Bachelor's Degree from the University of Nevada - Reno and holds the Personal Investment Advisor (PIA) designation. Outside of work, Owen enjoys golfing, playing pickleball, and spending time with his family.

Robert Min is a financial advisor with LPL Financial in San Jose, CA, holding Series 63 and Series 66 designations and two years of industry experience. His prior roles include positions at MML Investors Services, MassMutual Life Insurance Company, and Bbsi. Outside of his advisory work, he is involved with Jackson Hewitt as a tax preparer and provides trust and estate planning services through Solutions Wealth Management. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management supported by research and model portfolios.

Ted Cocoles is a Series 66 licensed financial advisor with 16 years of industry experience. He is currently with Charles Schwab and Charles Schwab Bank SSB, having previously worked at TD Ameritrade, Inc. Outside of his advisory work, he serves as President of the San Jose chapter and Treasurer of District 6 of the Pan Cretan Association of America, a nonprofit organization promoting Cretan culture and history. 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 affiliated discretionary separate managed accounts and offers a distinctive operational structure that includes centralized custody and supervision.

Dinesh Sawal is a Series 66-licensed financial advisor with Ameriprise in Fremont, CA, with 21 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he serves on the Board of Directors and as Treasurer for the Alameda County Library Foundation. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets. The firm combines research and modeling with personalized recommendations and offers a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

William Beaufore is a Series 66 licensed advisor at Charles Schwab with one year of industry experience. Prior to joining Schwab, his background includes roles in food service and hospitality as well as entrepreneurial involvement with BLK Earth Sea Spirits. 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’s integrated structure combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and alternative investment products.

Anthony Liu is a financial advisor with Charles Schwab in Campbell, CA, holding a Series 66 designation and 23 years of industry experience. He has worked at Charles Schwab Bank, Charles Schwab, TD Ameritrade, and Fidelity Brokerage Services over his career. 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 affiliated discretionary separately managed accounts and employs a multi-asset model portfolio approach supported by centralized custody and operational infrastructure.

Susan Bergstrom is a financial advisor with Edward Jones in Cupertino, CA. She holds a Series 66 designation and has one year of industry experience. Prior to joining Edward Jones, she worked for ten years at Santa Clara Valley Medical Center. Edward Jones is a full-service wealth management firm serving individual and institutional clients with over $1 trillion in assets under management. The firm offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, supported by a large network of financial advisors and branch offices across the United States.

Balasubramanyam Karanam is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 14 years of industry experience. He has worked with J.P. Morgan entities continuously since 2012. Outside of his advisory role, he is a co-owner and landlord of a rental property in Bangalore, India. 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. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering its program on a non-discretionary basis.

Yuan Ting Wang is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. He holds Series 63 and Series 66 licenses and has been with JPMorgan Securities LLC and J.P. Morgan Chase Bank since 2013. 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.

Alexander Hayes is a financial advisor with LPL Financial who holds Series 63 and Series 65 designations and has 26 years of industry experience. He previously worked at Invesco Distributors, Inc. and OppenheimerFunds. Hayes is also involved with AJ Wealth & Legacy, LLC, a business entity established for tax and investment purposes. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a nationwide network. The firm offers a broad range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Melvin Honda is a financial advisor with Mass Mutual Investors Services in San Jose, CA, holding the ChFC® designation along with Series 63 and Series 66 licenses. He has 43 years of experience in the industry, including prior roles at MetLife Securities and Massachusetts Mutual Life Insurance Company. Outside of his advisory work, he operates as an independent insurance agent specializing in dental, disability, life, and long-term care insurance. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, and charitable organizations. The firm provides ongoing financial planning and asset management services through structured, collaborative engagements using firm-approved analytical tools.

Phong Ly is a financial advisor with J.P. Morgan Securities LLC, holding a Series 66 designation and eight years of industry experience. His work history includes roles at JPMorgan Securities LLC, JPMorgan Chase Bank, and Chase. 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 institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

Kevin Fitzgerald is a financial advisor at OSAIC with 38 years of industry experience. He holds a Series 66 designation and has previously worked at Securities America Advisors, Inc., Securities America, Inc., and Investacorp Inc. Since 2009, he has also operated an investment-related business, Trinity Financial Services, where he serves as owner. OSAIC serves a diverse client base including individual investors, corporations, pension plans, and charitable organizations through a large network of affiliated advisers. The firm provides integrated brokerage and advisory services with a focus on asset allocation, risk assessment, and access to multiple advisory platforms and third-party money managers.

Paul Wong is a financial advisor with Cetera in San Jose, CA, holding a Series 66 designation and 26 years of industry experience. He has been associated with Cetera and its related entities since 1999 and has operated as a self-employed financial professional since 1998. Outside of advising, Wong provides notarization services for clients. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers various portfolio management and financial planning services, employing a multi-manager platform with access to affiliated and third-party managers, supporting a range of program structures and custodial relationships.

Ronald Lohbeck is a financial advisor with UBS Financial Services, holding Series 63 and Series 65 licenses and bringing 57 years of industry experience. He has worked at UBS Financial Services since 2019 and previously held positions at Wells Fargo Clearing and Wells Fargo Advisors. Outside of advising, he manages rental properties in Kamuela, Hawaii. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management, offering proprietary research and a range of capital markets services.

Eliezer Lopez is a financial advisor at LPL Financial with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has been with LPL Financial since 2012. He operates under the DBA Sequoia Wealth Advisors & Investment Management, Inc. in San Jose, CA. 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 financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Yingquan Zhang is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and two years of industry experience. His prior roles include positions at BMO Harris Bank, LPL Financial, Citigroup, and Citibank. Outside of his advisory work, Zhang is involved with IHSS, a non-investment related activity he has participated in since 2017. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Collin Chu is a financial advisor at Merrill with five years of industry experience. He holds a Series 66 designation and has worked at Bank of America, N.A., Merrill, Ardent Capital, and has prior experience at San Jose State University and Round Table Pizza. 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 strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Yu Hong Tan is a financial advisor with Merrill in San Jose, CA, holding a Series 66 designation and three years of industry experience. Prior to joining Merrill in 2024, Tan worked at Charles Schwab and Charles Schwab Bank from 2022 to 2024 and has earlier experience in the hospitality sector. Outside of advising, Tan is a co-owner of a family rental property in Sacramento. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies developed by internal and third-party managers for a range of clients including individuals, high-net-worth clients, and institutions.

Olga Pappas is a financial advisor with Morgan Stanley in Santa Cruz, CA, holding a Series 66 designation and 22 years of industry experience. She has worked at Morgan Stanley Smith Barney since 2009 and previously at Citigroup Global Markets, Inc. since 2008. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with 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 offers services both directly and through corporate agreements.