Atanu Bose is a financial advisor at Fidelity with three years of industry experience and holds a Series 66 designation. His prior roles include positions at Charles Schwab & Co, Wells Fargo Clearing, and Motilal Oswal Financial Services Ltd. He is affiliated with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to a broad client base including retail and institutional investors. The firm employs a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to create model portfolios and offers services such as discretionary portfolio management and fund advisory.

Bryon Botsford is a financial advisor with Morgan Stanley in San Jose, CA, holding Series 63 and Series 65 licenses and possessing 25 years of industry experience. Prior to joining Morgan Stanley Private Bank and Morgan Stanley Smith Barney in 2020, he worked at Wells Fargo Clearing and Wells Fargo Advisors. Outside of his advisory role, he serves as a board member for the Tall Trees Foundation, a nonprofit organization based in Palo Alto, CA. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with customized financial planning and a wide range of advisory programs. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that utilizes advanced modeling tools to support client financial strategies.

Neerja Bhargava is a financial advisor with Wells Fargo Clearing in San Jose, CA. She holds Series 63 and Series 65 certifications and has 13 years of industry experience, including roles at Wells Fargo Advisors LLC and Wells Fargo Bank, N.A. since 2009. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm combines research from its investment institute and third-party sources to provide diversified investment solutions within a broad platform of brokerage and advisory services.

Yihua Xie is a financial advisor at Charles Schwab with four years of industry experience and holds a Series 66 designation. Prior to joining Schwab in 2025, Xie worked at Merrill Lynch for six years and at Glory Global Trade & Investment Inc for four years. Outside of advising, Xie provides in-home service support to care for a family member. Charles Schwab & Co., Inc. serves a large client base of 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 offers a combination of non-discretionary advisory relationships and access to affiliated discretionary separate managed accounts, utilizing multi-asset model portfolios and a centralized operational structure.

Kenneth Sparling is a financial advisor with Wells Fargo Clearing in San Jose, CA, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has been with Wells Fargo Clearing since 2016 and has served as an instructor at Golden Gate University since 1994. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm employs research and analytics to guide investment decisions and offers a range of brokerage and advisory solutions.

Joy Verzosa is a Vice President and Financial Consultant at Fidelity Investments. She has been with Fidelity since 2018, serving in various roles including Relationship Manager and Planning Consultant before her current position. Joy has worked in the financial industry for 15 years, bringing extensive experience in financial consulting and relationship management. Her professional background includes positions at JPMorgan Chase as a Private Client Banker and Assistant Vice President, as well as roles at Keypoint Credit Union and Wells Fargo Bank. Joy holds a California Insurance License, which supports her work in financial planning and client advisement. Outside of her professional career, Joy enjoys hiking, outdoor adventures, snowboarding, traveling, and spending time with her pets.

William Zurn is a Wealth Management Advisor at Merrill Lynch Wealth Management with over 33 years of experience in the financial services industry. He provides advice and service aimed at helping clients grow, preserve, and transfer wealth. Bill focuses on building enduring client relationships founded on trust, integrity, and understanding of individual goals. He takes a comprehensive, goals-based approach to wealth management, designing, implementing, and monitoring customized strategies for executives, entrepreneurs, and business owners. His areas of expertise include retirement plan design such as profit-sharing, defined-benefit, and 401(k) plans, stock-option and deferred-compensation strategies, and business succession planning. He is a Portfolio Manager designated in the Merrill Investment Advisory Program, offering personalized investment management tailored to clients' objectives. Bill earned a Bachelor of Business Psychology from Palo Alto University and a Master of Science in Personal Financial Planning from the College for Financial Planning. He holds multiple advanced designations, including Chartered Retirement Planning Counselor (CRPC), Accredited Wealth Management Advisor (AWMA), Chartered Retirement Plans Specialist (CRPS), and is a Portfolio Investment Manager. Before joining Merrill Lynch, he spent 17 years at Wells Fargo Advisors and held advisory positions at Bank of America Investment Services, UBS/PaineWebber, and Great Western Investment Services. He is a member of the Los Gatos Chamber of Commerce and lives in Los Gatos, California, with his wife, Debora. Together, they are involved in the community and spend time with their four adult children.

Jesse Blount III is a financial advisor with Morgan Stanley in San Jose, CA, holding Series 63 and Series 65 credentials and possessing 40 years of industry experience. He has been with Morgan Stanley Private Bank, N.A. since 2015 and with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients through a range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and offers planning services supported by structured discovery processes and approved planning tools.

Amado Rivera Jr. is a financial advisor with LPL Financial in San Jose, CA, holding CFP® and Series 66 designations and bringing 18 years of industry experience. He has worked previously at City National Bank, RBC Capital Markets, Morgan Stanley Private Bank, and Waddell & Reed. Outside of his advisory role, Rivera maintains a personal blog as an Instagram creator focused on vintage remote control vehicles. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients through a national network of investment adviser representatives. The firm offers a wide range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by extensive research and diversified strategies.

Michael Mulvihill is a CFP®-designated financial advisor at OSAIC with 42 years of industry experience. He has previously worked at Sagepoint Financial, Inc., Sunamerica Securities, Inc., and Anchor National/Financial. Outside of advisory work, he owns a tax preparation business, Boyd Tax Counselors, Inc. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charities, offering integrated brokerage and advisory services. The firm utilizes asset-allocation tools, risk-tolerance analysis, and a variety of investment options to manage portfolios on both discretionary and non-discretionary bases.

Ernel Cabanero is a financial advisor with Primerica Advisors in San Jose, CA, holding Series 65 and Series 63 licenses and 22 years of industry experience. He has been with Primerica Advisors since 2009 and affiliated with Primerica Financial Services since 2003. Primerica Advisors sponsors and manages a wrap-fee asset management program serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm operates at scale with nearly 3,700 advisors and approximately $15.5 billion in assets under management, delivering advisory services through model-based strategies and discretionary separately managed account options.

Connie Can is a financial advisor with Ameriprise in San Jose, CA, holding a Series 66 designation and 23 years of industry experience. She has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement who meet specific asset criteria, delivering written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary retirement-income recommendations.

Marisa Fugate is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and 15 years of industry experience. She is also the owner of Thielen & Associates, an accounting and tax preparation business. Marisa has worked at multiple firms including LPJM Partners and Avantax Advisory Services, contributing to her diverse background in financial services. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a variety of portfolio management and retirement services and operates a multi-manager platform with a range of program options and custodial relationships.

Huan Lai serves as a Wealth Management Advisor at Merrill Lynch Wealth Management. In this role, he works closely with clients to help preserve and grow their assets through proactive planning and a disciplined investment process. He specializes in creating customized portfolio strategies that encompass alternative investments, personalized tax minimization strategies, wealth transfer planning, and philanthropic solutions tailored to High Net Worth individuals. Huan's expertise includes corporate executive services, divorce transition planning, family wealth management strategies, services for endowments, foundations, and non-profits, defined benefit plans, personal retirement planning, portfolio management, individual and corporate investment strategy, tax minimization, and retirement income planning. He holds several professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Certified Private Wealth Advisor (CPWA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Born and raised in southern China, Huan earned a Bachelor's degree from Peking University and an MBA from the Monterey Institute of International Studies. He is a member of professional organizations such as the PKU Alumni Golf Association and the Peking University Alumni Association of Northern California (PKUAANC). He speaks both English and Chinese.

Jonathan Gervais is a financial advisor with LPL Financial in San Jose, CA, holding Series 63 and Series 66 licenses and bringing 11 years of industry experience. His prior roles include positions at HSBC Bank USA N.A. and HSBC Securities USA Inc. He is also currently associated with BMO Harris Bank. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a wide range of advisory programs, financial planning, and brokerage services with access to model portfolios, third-party research, and various institutional solutions.

Julie Saso is a Senior Financial Advisor with Merrill Lynch Wealth Management, where she has been advising clients since 1997. She specializes in managing new wealth, personal retirement planning, and retirement income, focusing on the development, implementation, and tracking of clients’ unique goal-based retirement strategies. Julie is responsible for managing existing client relationships and implementing wealth management plans tailored to her clients' financial objectives. Julie holds the Chartered Retirement Planning Counselor™ (CRPC) designation as well as the Personal Investment Advisor (PIA) certification. She earned a Bachelor of Science degree in Business Management from the State University of New York at Oswego and also holds a certificate in Interior Design from the Fashion Institute of Design and Merchandising in Los Angeles. A native of Clifton Park, New York, Julie initially worked out of Merrill Lynch’s Century City office before relocating to San Jose in 2005. Outside of her professional role, Julie is involved with St Martin of Tours School, where her son attends kindergarten. Her personal interests include hiking, interior decorating, spending time with her family, traveling, watching movies, and practicing yoga.

Lin Yan is a financial advisor with Morgan Stanley in Cupertino, CA, holding a Series 66 license and eight years of industry experience. Prior to joining Morgan Stanley, Yan worked at Bank of America, N.A. and Merrill Lynch, Pierce, Fenner & Smith Incorporated, each for four years, and also at Future Research for two years. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and modeling techniques.

Fazeel Dinga is a Financial Consultant currently working at Fidelity Investments since 2022. He provides clients with tailored guidance to help plan for and pursue their financial goals. Prior to his current role, Fazeel served as Vice President of Investments and Private Client Advisor at J.P. Morgan Wealth Management from 2020 to 2022. He also held a position at J.P. Morgan Chase between 2017 and 2020. He holds a California Insurance License. Outside of his professional work, Fazeel has personal interests in cars, cooking and baking, fitness, football, motorcycles, and pets.

Quang Phan is a CFP® professional with over 23 years of experience in the financial services industry. He is currently affiliated with Raymond James Financial Services Advisors, Inc., where he has worked since 2022. His prior experience includes more than a decade at Cuso Financial Services, L.P. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional investors. The firm employs tailored, non-discretionary planning and analytical tools to align investment strategies with client goals and supports specialized municipal and public-finance advisory services.

An Nguyen is a financial advisor at Merrill with a Series 66 credential and four years of industry experience. Prior to joining Merrill and Bank of America, he held roles at Wyndham Garden Hotel and San Jose State University. Outside of his advisory work, he is employed by IHSS, supporting elderly individuals with daily activities. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using both model-based and discretionary investment strategies.