Daniel Flynn is a CFP® and Series 66-registered financial advisor with 24 years of industry experience. He is currently with LPL Financial and previously worked at Lincoln Financial Advisors for over two decades. Flynn owns DFF33, Inc., a private entity that facilitates securities, advisory, and insurance business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning, asset management, and retirement advice services, utilizing a variety of model portfolios and customized strategies supported by operational and research tools.

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.

Brian Morgan is a financial advisor with Morgan Stanley in Burlingame, CA. He holds a Series 66 designation and has 12 years of industry experience, including roles at Morgan Stanley Private Bank, N.A. since 2020 and Morgan Stanley Smith Barney LLC since 2015. Outside of his advisory work, he co-founded and serves as CFO of A.P.E.X. LLC, a company that designs strength and conditioning programs for high school and collegiate athletes. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a wide range of advisory programs. The firm offers tailored financial planning and manages approximately $2.74 trillion in client assets.

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.

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.