Bryon Botsford is a financial advisor at Morgan Stanley with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Wells Fargo Clearing, Citigroup Global Markets, Barclays Capital, and Lehman Brothers. He serves as a board member of 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 offering a range of advisory programs to individual and institutional clients. The firm provides tailored financial planning supported by structured processes and proprietary planning tools.

Stuart Epstein is a financial advisor at Morgan Stanley with 42 years of industry experience. He holds Series 63 and Series 65 registrations and has worked at Morgan Stanley Private Bank since 2017, Morgan Stanley Smith Barney since 2009, and Citigroup Global Markets from 1993 to 2009. Based in Menlo Park, CA, Epstein has a long history in wealth management across major firms. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, offering tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and serves clients both directly and through corporate financial planning agreements.

Neerja Bhargava is a financial advisor at Wells Fargo Clearing with 13 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Wells Fargo Clearing since 2016 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 manages approximately $671 billion in assets and provides both brokerage and advisory solutions.

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 possessing 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. Outside of advisory work, he manages a real estate-related business under TTDS, LLC. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm employs research and analytics to guide portfolio construction and offers a range of brokerage and advisory solutions through a large network of more than 14,000 advisors.

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 at multiple firms including Bank of the West, HSBC Securities, Charles Schwab, and Morgan Stanley. Outside of his advisory role, he owns and manages a single-family rental property through a limited liability company. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. The firm’s approach combines quantitative and qualitative research to deliver written asset allocation advice, investment manager searches, and customized performance reporting while clients retain final decision-making authority.

Jesse Blount III is a financial advisor at Morgan Stanley with 41 years of industry experience. He holds the Series 63 and Series 65 designations and has worked in various capacities within Morgan Stanley affiliates since 1997. His current roles include positions at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC. Morgan Stanley Wealth Management provides advisory and brokerage services to individual and institutional clients, managing approximately $2.74 trillion in assets. The firm offers tailored financial planning and utilizes firm-approved tools and processes to support client investment strategies.

Brian Bechelli is a financial advisor at Morgan Stanley with 14 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, Morgan Stanley Smith Barney LLC, and J.P. Morgan Securities and Chase Bank. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and modeling techniques as part of its financial planning process.

Suna Yalaz Angell is a CFP® professional with 18 years of experience in the financial services industry. She is currently with Morgan Stanley in Palo Alto, CA, having previously worked at Bank of America, Merrill, and Parallel Advisors. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs including tailored financial planning that utilizes structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers services through direct engagements and corporate financial planning agreements.

Amado Rivera Jr. is a CFP® professional with 18 years of industry experience, currently affiliated with LPL Financial. His prior work history includes roles at City National Bank, RBC Capital Markets, Morgan Stanley Private Bank, and Waddell & Reed. Outside of his advisory work, he creates content as an Instagram creator focused on vintage remote control vehicles. 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 a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Michael Mulvihill is a CFP® professional with over 42 years of experience in financial advisory services. He is currently with Osaic and previously worked at Sagepoint Financial, Inc., Sunamerica Securities, Inc., and Anchor National/Financial. Outside of advisory work, he owns Boyd Tax Counselors, Inc., a tax preparation business serving personal and corporate clients. Osaic Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of brokerage and advisory services with a focus on model-based asset allocation, portfolio optimization, and both discretionary and advisor-managed strategies.

Ernel Cabanero is a financial advisor at Primerica Advisors with 23 years of industry experience. He holds Series 65 and Series 63 licenses and has been with Primerica since 2003, serving as an advisor at Primerica Advisors since 2009. Primerica Advisors manages a wrap-fee asset management program primarily for 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 thousands of advisors and offices, utilizing model-driven investment strategies supported by third-party asset managers.

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 at Cetera with 16 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at firms including Avantax Advisory Services and LPJM Partners. She is also the owner of Thielen & Associates, an accounting and tax preparation business. Cetera Investment Advisers LLC serves a wide range of clients including individuals, retirement plans, and institutional accounts. The firm offers various portfolio management and financial planning services through a nationwide network of independent advisors and provides access to affiliated and third-party investment managers.

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 Sunnyvale, CA, holding Series 63 and Series 66 licenses and bringing 11 years of industry experience. His prior roles include positions at HSBC Bank USA and HSBC Securities USA, as well as recent affiliation with BMO Harris Bank. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions with a broad range of advisory and brokerage services. The firm supports its advisors with model portfolios, third-party subadvisors, and various investment strategies, while maintaining a large scale of non-advisory financial activities.

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.