Jessica Yiu is a financial advisor at Morgan Stanley with 28 years of industry experience. She has held prior roles at UnionBanc Investment Services, MUFG Union Bank, and Charles Schwab. Yiu holds Series 63 and Series 65 designations and is based in Sunnyvale, CA. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs and financial planning services that utilize structured discovery and firm-approved planning tools.

Thuy Le is a financial advisor with Ameriprise in San Jose, CA, holding a Series 66 designation and 21 years of industry experience. She has been with Ameriprise and its affiliated entities since 2004. Outside of her advisory role, she serves as a trustee on the Board of Directors for the American Beethoven Society and San Jose State University. Ameriprise is an institutional firm offering a retirement-income planning service tailored to individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficient strategies to deliver customized, written recommendation reports through a centralized consulting team.

Haley Rudee is a Series 66-licensed financial advisor with UBS Financial Services in Los Gatos, CA. She joined UBS in 2025 and has prior experience in various roles, including work with private families and at University Carlos III of Madrid. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining proprietary research and model-based asset allocations to tailor financial plans. The firm operates across wealth management, institutional trading, and capital markets services.

Barbara Littlepage is a financial advisor with Ameriprise in San Jose, CA, holding a Series 63 designation and 36 years of industry experience. She has worked at Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Outside of her advisory role, she serves as Treasurer on the board of the Gamma Eta House Corporation of Delta Gamma. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on income sources and tax-aware withdrawal strategies.

Diego Llano is a Financial Consultant at Fidelity Investments, a role he has held since 2025. He specializes in providing thoughtful guidance and partnership to his clients, focusing on understanding their individual goals and values to build tailored financial strategies. Diego supports clients through various financial scenarios, including market fluctuations, retirement planning, and significant life changes. He has accumulated experience in the financial services industry through prior positions as a Financial Advisor at Merrill Lynch from 2024 to 2025, a Financial Consultant at Charles Schwab from 2021 to 2024, and a Private Client Banker at J.P. Morgan Chase between 2019 and 2021. Diego holds a California Insurance License, adding to his professional qualifications. Outside of his professional career, Diego engages in activities related to family, fitness, movies, music, parenthood, and surfing.

Jeffrey Alejandro Jr. is a financial advisor with Raymond James Financial Services Advisors, Inc. in Cupertino, CA, holding Series 63 and Series 65 credentials and bringing 24 years of industry experience. His career includes roles at First Tech Federal Credit Union and Addison Avenue Investment Services. He is a partner in a skincare business, Mabel's Skincare, supporting the business side as needed. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, and institutional entities. The firm offers financial planning and non-discretionary investment consulting, utilizing asset-allocation analysis and firm research to develop tailored financial plans and investment recommendations.

Zachary Rayman is a financial advisor with LPL Financial in San Jose, CA, holding a Series 66 license and eight years of industry experience. His prior work includes roles at Bank of America and Merrill. Outside of his advisory work, he is an agent selling life, health, and disability insurance. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network. The firm offers a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management and a variety of model portfolios and research resources.

Caroline Brodersen is a financial advisor at UBS Financial Services with 42 years of industry experience, all spent with UBS since 1984. She holds Series 63 and Series 65 credentials and is based in San Jose, CA. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings. The firm combines institutional trading capabilities with wealth management services and provides a broad range of financial products and capital markets services.

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.

Jim Lucas is a financial advisor at J.P. Morgan Securities with 24 years of industry experience. He holds a Series 66 designation and has worked previously at Bank of the West and HSBC Securities (USA), Inc. Outside of his advisory role, he is the sole owner of a real estate LLC. 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 through a select group of Wealth Advisors. The firm combines large institutional advisory operations with multiple market-facing registrations, delivering recommendations on a non-discretionary basis while clients retain final decision-making authority.

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.