Stuart Epstein is a financial advisor with Morgan Stanley in Menlo Park, CA, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. His career includes roles at Morgan Stanley Private Bank, National Association since 2017 and Morgan Stanley Smith Barney since 2009, as well as experience at Citigroup Global Markets dating back to 1993. Morgan Stanley Wealth Management provides a range of advisory programs to individuals 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 through both direct engagements and corporate financial planning agreements.

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.

Brendan Carlyle is a financial advisor at UBS Financial Services in Palo Alto, CA, holding a Series 66 designation with one year of industry experience. Prior to joining UBS, he worked at the County of Santa Clara, The Home Depot, and Target, and attended Santa Clara University. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management offerings tailored to clients’ goals and risk tolerances.

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 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.

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 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.

Roger Guan is a financial advisor with Wells Fargo Clearing in San Mateo, CA, holding a Series 66 designation and 18 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2011 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans. The firm’s IPS-driven advisory process incorporates modern portfolio theory and offers both discretionary and non-discretionary services, including investment policy preparation, performance reporting, participant education, and plan benchmarking.