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.

Michael Carvalho is a Financial Consultant at Fidelity Investments, a position he has held since 2025. He has a comprehensive background in financial services, having worked in various roles at Fidelity Investments since 2019, including Investment Consultant, Planning Consultant, Relationship Manager, and Financial Representative. Prior to joining Fidelity, he served as a Practice Manager at Ameriprise Financial from 2014 to 2019. Throughout his career, Michael has focused on helping individuals and families achieve their financial goals by understanding their investment objectives and motivations. He holds a California Insurance License, which supports his advisory capabilities. Outside of his professional work, Michael enjoys attending concerts, engaging in fitness activities, visiting museums, traveling, spending time with pets, and volunteering in his community.

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.

Robert Diaz is a Series 66 licensed financial advisor at Edward Jones with nine years of industry experience. He has worked at Edward Jones since 2019 and previously held roles at RDSquared, various insurance carriers with W&R Insurance Agencies, Waddell & Reed Inc, and Asset Conversion Corp. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management through a nationwide network of over 23,000 financial advisors and offers a range of discretionary and non-discretionary investment strategies alongside affiliated mutual funds and other services.

Kuan Wang is a financial advisor at Merrill with 14 years of industry experience. He has held roles at Merrill since 2017 and previously worked at UBS Financial Services from 2015 to 2017. He holds Series 63 and Series 65 licenses and is based in San Mateo, CA. 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. The firm offers both model-based and discretionary investment strategies for a range of clients, including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

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.

Robert Fazo is a financial advisor with Primerica Advisors in San Jose, CA, holding Series 63 and Series 65 credentials and with 30 years of industry experience. He has worked with PFS Investments Inc. and Primerica Financial Services since 1996. In addition to his advisory role, he is involved in sales of loan products and home security and automation services through affiliated companies. Primerica Advisors manages a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm employs model-delivery strategies managed by third-party asset managers and supports its advisory services with custodial and trade execution partners.

Luvien Tran serves as a Senior Financial Advisor at Merrill Lynch Wealth Management. In this role, Tran focuses on helping clients develop personalized wealth management strategies that align with their comprehensive financial goals. Tran works to create flexible strategies adapted to changing market conditions, leveraging investment insights from Merrill and banking and lending solutions from Bank of America. Tran's expertise encompasses education planning, family wealth management, services for endowments, foundations, non-profits, defined benefit plans, personal retirement planning, portfolio management, women and wealth, individual and corporate investment strategy, tax minimization, and retirement income. Tran holds professional designations including Chartered Financial Consultant (ChFC), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Tran earned a bachelor's degree from the University of California Berkeley. In addition to professional work, Tran participates in community service through volunteering with local organizations, reflecting a commitment to the communities served. Tran follows a philosophy centered on connecting all aspects of a client’s financial life to prioritize and pursue the most important goals.

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.

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.

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.

Linhvien Tran is a Senior Financial Advisor with nearly two decades of experience in the financial industry. She began her career as a Financial Advisor at Merrill Lynch Wealth Management in 2006 and focuses on working with high net worth individuals, families, senior-level executives, business owners, and corporations. Linhvien specializes in areas such as college education planning, executive compensation, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management services, socially responsible and ESG investing, as well as women and wealth and retirement income planning. She holds the Chartered Retirement Planning Counselor (CRPC) designation and a Bachelor of Science degree in Business Administration from the University of California, Riverside. Linhvien is committed to delivering customized advice and guidance tailored to her clients' specific situations and goals. She works alongside Merrill's team of financial professionals and analysts to provide a comprehensive approach to financial strategy. Outside of her professional role, Linhvien enjoys spending time with her husband, Thach, and their three sons in San Jose. Her personal interests include traveling and playing volleyball. She also participates in community involvement through supporting several charitable organizations associated with Merrill Lynch.

Cheryl Farley is a financial advisor at J.P. Morgan Securities with 39 years of industry experience. She holds Series 63 and Series 65 credentials and has worked at J.P. Morgan Securities since 2020. Her prior experience includes roles at Charles Schwab and Bancwest Investment Services, Inc. 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 employs a centralized due diligence process combining quantitative and qualitative research and offers a range of portfolio services supported by related investment-management affiliates.

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.