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.

Brendan Carlyle is a financial advisor at UBS Financial Services with two years of industry experience. He holds the Series 66 designation and previously worked at the County of Santa Clara, The Home Depot, and Target. He also has an academic background from Santa Clara University. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and advisory offerings, including fee-based financial planning and discretionary portfolio management. The firm integrates institutional trading capabilities with wealth management services, leveraging proprietary research and model-based asset allocations to tailor client plans.

Nephi Wijckmans is the Vice President and Private Wealth Management Advisor at Fidelity Investments. In his current role, he focuses on wealth management, providing clients with integrated financial planning and investment strategies. He has been with Fidelity Investments since 2000, holding various positions including Financial Planning Consultant, Investment Management Consultant, and Private Wealth Management Advisor. Prior to Fidelity, Nephi worked in roles such as Exclusive Agent at Allstate and Regional Vice President at Fisher Investments. His experience spans wealth management, investment consulting, and financial planning. Outside of his professional responsibilities, Nephi participates in family activities, golf, traveling, and volunteering.

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.

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.

Yun Huang is a financial advisor at Charles Schwab with 19 years of industry experience. She holds a Series 66 designation and has worked at Wells Fargo bank and Wells Fargo Clearing from 2006 to 2021 before joining Charles Schwab in 2022. Outside of her advisory role, she is a yoga and meditation teacher and owner of The Awaken Zone, based in Union City, CA. Charles Schwab & Co., Inc. serves 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 offers a combination of non-discretionary advisory recommendations and access to discretionary separately managed accounts, using multi-asset model portfolios and a formal alternative-investment onboarding process.

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.

Nickitas Panayotou is a financial advisor at Charles Schwab in Menlo Park, CA, holding a Series 66 designation. He has recently entered the industry with approximately one year of experience, including prior roles at Charles Schwab and his own entity, Nickitas 7280. Outside of his advisory work, he holds a legal title as CEO and board member of Golden Anchor Auctions Incorporated, a non-operational automotive sales company with minimal personal involvement. Charles Schwab serves 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 discretionary SMAs and employs a multi-asset model portfolio approach alongside centralized custody and order-routing services.

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.

Katrina Hernandez Wright is a financial advisor at UBS Financial Services with 12 years of industry experience. She has been with UBS since 2013 and holds a Series 66 designation. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor strategies to clients’ goals.

Roger Guan is a financial advisor with Wells Fargo Clearing in Palo Alto, CA, holding a Series 66 designation and 19 years of industry experience. He has worked with Wells Fargo since 2007, including ten years at Wells Fargo Clearing and four years at Wells Fargo Investments, LLC. 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 serves clients through both brokerage and advisory solutions, employing research and portfolio theory in its investment approach.

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.

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.

Matthew Healy is a financial advisor with LPL Financial based in Fremont, CA, holding Series 66 and Series 63 licenses and bringing 27 years of industry experience. His career includes a decade at U.S. Bancorp Investments and U.S. Bank, along with multiple tenures at LPL Financial. Outside of advisory work, he is involved with Healy Insurance Services, focusing on non-variable insurance products. 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 financial planning and portfolio management solutions, utilizing various model portfolios and subadvisors, supported by advanced operational and research tools.