Marcial Vargas is a financial advisor with Ameriprise in Redwood City, CA, holding a Series 66 designation and 15 years of industry experience. He previously worked at Wells Fargo Clearing and Wells Fargo Advisors, LLC, accumulating eight years in those roles. Ameriprise Financial Services is a large advisory firm serving both individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement-income planning with written recommendation reports and ongoing advice tailored to dependable income 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.

Thomas Butler is Vice President and Wealth Planner at Fidelity, where he focuses on building long-term relationships with clients by understanding their individual and family financial goals. He is part of a specialized group aimed at providing a comprehensive and detailed financial planning experience for clients. He has held the position of Vice President and Senior Lead Private Client Adviser at Bank of the West from 2011 to 2019. Prior to that, he worked as a Financial Advisor at Merrill Lynch from 2006 to 2011 and at Morgan Stanley from 2005 to 2006. He holds a California Insurance License.

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.

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.

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.

Hans Reese is a CFP® professional with 25 years of experience in the financial industry. He has been with LPL Financial in San Mateo, CA, since 2006. Outside of his advisory work, he is associated with Legal Shield in a limited, non-investment capacity. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, banks, corporations, and charitable organizations. The firm provides various advisory programs and financial planning services, utilizing model portfolios, research, and both discretionary and non-discretionary management approaches.

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.

Hok In Un is a Series 66 licensed advisor at J.P. Morgan Securities with six years of industry experience. Prior to joining J.P. Morgan, he worked at Tumi Inc. from 2016 to 2020. He has held positions at both JPMorgan Chase Bank, N.A. and J.P. Morgan Securities LLC since 2020. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a combination of quantitative asset-allocation modeling and centralized due diligence. The firm applies an ESG eligibility framework in its recommendations and delivers services on a non-discretionary basis.

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.

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.

Steven Gee is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and 25 years of industry experience. His prior firms include Voya Financial Advisors and Wiline Network. In addition to his advisory work, he operates as an independent insurance agent specializing in fixed insurance products. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, corporate, charitable, and institutional clients through a large nationwide network of over 10,000 independent advisors. The firm offers portfolio management, financial planning, and retirement services via a multi-manager platform that includes affiliated and third-party managers and a range of program options.

Allen Lipscomb is a financial advisor with Ameriprise in Pleasanton, CA, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. His prior roles include positions at Wells Fargo Clearing and WELLS FARGO Advisors. He is also an advisor with Blue Oaks Management, LLC, an Ameriprise Financial Franchise. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement with specific asset thresholds, providing written Recommendation Reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Elizabeth Robbins is a financial advisor with Morgan Stanley in Menlo Park, CA, holding a Series 66 designation and bringing 10 years of industry experience. She has worked with Morgan Stanley since 2015, including a role at Morgan Stanley Private Bank, N.A. since 2021. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and firm-approved methodologies to support its financial planning process.