Jonathan Gervais is a financial advisor with LPL Financial based in San Jose, CA. He holds Series 63 and Series 66 licenses and has 11 years of industry experience, previously working with HSBC Bank USA and HSBC Securities USA. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, 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, supported by a large network of investment adviser representatives.

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.

Norman Ferrando is a financial advisor at Morgan Stanley with nine years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Smith Barney LLC since 2018. Prior to that, he was employed at Charles Schwab and Charles Schwab Bank from 2016 to 2020. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs. The firm emphasizes structured financial planning supported by its Global Investment Committee’s Secular Return Estimates and Monte Carlo simulations, managing approximately $2.74 trillion in client assets.

An Nguyen is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. Prior to Merrill, Nguyen worked at Bank of America and has held various roles outside finance, including positions at Wyndham Garden Hotel and San Jose State University. Outside of advising, Nguyen is involved in caregiving activities to assist elderly individuals and owns a sole proprietorship related to space rental. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients using model-based and discretionary strategies. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with a range of customizable portfolio solutions.

Zachary Timko is a financial advisor at Morgan Stanley with eight years of industry experience. He holds a Series 66 designation and has worked previously at Merrill and Bank of America. His current role includes work with Morgan Stanley Private Bank, N.A. and Morgan Stanley in Menlo Park, California. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by proprietary tools and market simulations.

Ka Eun Lee is a financial advisor at Merrill with 14 years of industry experience. She holds Series 66, Series 63, and Series 65 credentials. Her prior work includes roles at Bank of America, Park Avenue Securities, Guardian Life Insurance/Pacific Advisors, and several other firms. She is also involved in business planning services through her company, Loft Science LLC. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients via the Select Portfolio Solutions Program, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Neil O'Connor is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has worked with Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2016. Based in Palo Alto, CA, O'Connor focuses on wealth management within a large institutional framework. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and simulations to support client strategies.

Peyvand Pourhosseini is a financial advisor at LPL Enterprise with 29 years of industry experience. He holds the ChFC® and Series 63 designations. His prior experience includes roles at Prudential Insurance Company of America, Pruco Securities, LLC, and Waddell & Reed, Inc. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth investors, retirement plans, and institutional entities. The firm’s investment approach is model-driven, utilizing portfolios developed by LPL’s Research Department and third-party strategists, and it also offers access to third-party asset managers and insurance products through affiliated entities.

Laurie Conforti is a financial advisor at Osaic with nine years of industry experience. She holds a Series 65 designation and previously worked at Securities America, Inc. Laurie also has experience outside the financial industry, including working as a server at a private event venue, Coyote Ranch. Osaic Wealth serves a broad range of retail and institutional clients, providing brokerage and advisory services through a multi-advisor platform. The firm’s investment approach emphasizes model-based asset allocation and portfolio optimization, supporting both discretionary and advisor-managed strategies across various account types.

Lourdes Lopez is a financial advisor with Primerica Advisors in San Jose, CA, holding Series 63 and Series 65 licenses and bringing 16 years of industry experience. Her background includes roles at PFS Investments Inc. and Avinger, Inc., among others. She is involved in sales of investment-related products and also partakes in referrals for home security and automation services through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program serving primarily individual investors, along with corporate and charitable clients. The firm uses model-driven investment strategies managed by third parties and supports execution and custody through established providers, with approximately $15.5 billion in assets under management.

Gianna Saso is a financial advisor with Wells Fargo Clearing in San Jose, CA, holding Series 63 and Series 65 licenses and two years of industry experience. She previously worked at Dan Caputo Co. for six years. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and brokerage solutions. The firm manages approximately $671 billion in assets and provides a range of retirement plan services supported by research from Wells Fargo Investment Institute and third-party sources.

Dave Agustin is a financial advisor with Wells Fargo Clearing in Palo Alto, CA, holding Series 63 and Series 65 licenses and 13 years of industry experience. He has been with Wells Fargo Clearing since 2016 and has worked with Wells Fargo Bank NA since 2010. 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 manages approximately $671 billion in assets and offers both brokerage and advisory solutions, utilizing research and analytics from Wells Fargo Investment Institute and third-party sources.

Christopher Weng is a financial advisor with Raymond James & Associates in San Jose, CA, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. His prior roles include positions at UBS Financial Services Inc. and Morgan Stanley. Outside of his advisory work, he has been involved with Tamad Aviation LLC. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutional clients, and charitable organizations, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Elijah Paniagua is a financial advisor at Edward Jones with one year of industry experience. He holds a Series 66 designation and has worked at Edward Jones since 2024. Outside of his advisory role, he serves as Minister of Music at Creekside Bible Church, where he plans and coordinates music activities and leads volunteer musicians. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and charitable organizations. The firm offers a range of investment advisory programs and maintains a large national network of advisors and branch offices.

Thomas Donnelly is a financial advisor at Morgan Stanley with 13 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2020, following prior roles at Wells Fargo Clearing and Merrill. Outside of his advisory work, he serves on the Finance Committee of the Monterey Museum of Art. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer that provides a wide range of advisory programs to individuals and institutional clients, including customized financial planning supported by firm-approved tools and resources.

Timothy Chiochios is a financial advisor at Ameriprise with a Series 66 credential and one year of industry experience. He is also co-owner of Andrikopoulos Chiochios Accountants LLP, a tax preparation firm. Prior to Ameriprise, he worked at Nitro Software and Menlo College. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service focused on retirement income planning through a combination of proprietary research, third-party data, and algorithmic tools.

Alexander Torshizi is a financial advisor at LPL Financial with 15 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Wells Fargo Clearing and Wells Fargo Bank NA. He is also a commissioned notary public in the State of California. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management solutions, including model portfolios and third-party asset management, supported by proprietary research and technology tools.