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.

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.

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.

Eugene Goodreault Jr. is a financial advisor with Morgan Stanley in San Jose, CA, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. His career includes roles at Wells Fargo Clearing, Wells Fargo Investments, and Merrill prior to joining Morgan Stanley Private Bank and Morgan Stanley Smith Barney. 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 modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through corporate financial planning agreements.

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.

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.

Hans Reese is a CFP®-designated financial advisor with 25 years of industry experience, currently practicing at LPL Financial since 2006. Prior to joining LPL, he worked at Morgan Stanley and Merrill. In addition to his advisory role, he is associated with Legal Shield in a non-investment capacity. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers financial planning, model portfolios, third-party asset management, and institutional platforms, supporting advisors with a range of customizable strategies and technology tools.

Lili Huang is a financial advisor at J.P. Morgan Securities with 7 years of industry experience. She holds the Series 63 and Series 66 designations and has been with J.P. Morgan Securities and JPMorgan Chase Bank since 2019. Her prior work experience includes roles at Enterprise Rent A Car, New York Life Insurance Company, and Macy’s. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process incorporates quantitative and qualitative due diligence and includes a range of strategies with ESG considerations.

Meiting Lin is a financial advisor at J.P. Morgan Securities with the Series 66 designation and one year of industry experience. Prior to joining J.P. Morgan Securities in 2026, Lin held roles at JPMorgan Chase Bank, N.A., Citibank, and Bank of America. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a specialized group of Wealth Advisors. Their advisory process combines quantitative screens and qualitative research to deliver written asset allocation advice and customized reporting, with clients retaining final decision-making authority.

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.

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.