Kevin Lonergan is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and bringing 34 years of industry experience. His prior roles include positions at Lincoln Financial Securities Corporation, Mass Mutual Investors Services, Massmutual Life Insurance Co, and MetLife Securities Inc. Outside of his advisory work, he owns Hazy Hen Endeavors LLC, a non-investment related business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning services, and utilizes model portfolios and research from LPL Research and third-party subadvisors.

Patrick Van Hien is a Vice President and Financial Consultant at Fidelity Investments. He has been with Fidelity since 2012, progressing through roles including Financial Representative, Relationship Manager, Investment Consultant, Financial Consultant, and currently serving as Vice President since 2022. With over 12 years of experience, Patrick works with clients to co-create comprehensive financial plans that incorporate tax-efficient investing, estate planning considerations, capital preservation, and income generation. He is dedicated to understanding his clients' needs and leveraging both his experience and Fidelity's resources to assist each individual. Patrick holds a California Insurance License. Outside of his professional work, he has interests in food and traveling.

Sharon Chung is a financial advisor with Morgan Stanley in Palo Alto, CA, holding a Series 66 designation and two years of industry experience. Her prior roles include work with the Judicial Council of California and various consulting and civic organizations. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and modeling techniques.

Sergio Santilli is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has nearly two decades of experience in the financial services industry, having joined Merrill Lynch in 2008. Prior to this, he worked at Wells Fargo Investments, where he obtained his FINRA Series 7 and Series 66 registrations, as well as a California Insurance License. Sergio holds professional designations including CERTIFIED FINANCIAL PLANNER® (CFP®), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), and Personal Investment Advisor (PIA). Sergio's expertise encompasses a wide range of client focus areas including college education planning, executive and equity compensation, liquidity management, personal retirement planning, portfolio management, tax minimization, and retirement income strategies. As a member of the Santilli/Buhl Group at Merrill, he emphasizes goals-based financial planning tailored to clients' unique risk tolerances and life objectives. He aims to provide clear and transparent advice to help clients navigate the complexities of investing and build long-lasting relationships through education and ongoing market insights. He earned his Bachelor’s Degree from California Polytechnic State University, San Luis Obispo, and graduated from St. Ignatius College Preparatory. A Bay Area native, Sergio is fluent in Italian and English. Outside of work, he enjoys baseball, camping, football, golfing, soccer, and spending time with his family.

Brian Houle is a financial advisor at Morgan Stanley with seven years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley Smith Barney LLC since 2018, currently also working with Morgan Stanley Private Bank, N.A. in Menlo Park, CA. Morgan Stanley Wealth Management serves individual and institutional clients with a variety of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets. Their approach involves structured discovery and firm-approved planning tools, utilizing methodologies such as Monte Carlo simulations and Secular Return Estimates from the Global Investment Committee.

Kathy Tabrizi is a financial advisor at Morgan Stanley with 25 years of industry experience. She has worked at Morgan Stanley Smith Barney LLC since 2009 and holds the Series 63 and Series 66 designations. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a variety of advisory programs to both individual and institutional clients. The firm offers tailored financial planning services using structured discovery conversations and firm-approved tools, managing approximately $2.74 trillion in client assets.

James Deboer is a financial advisor with Osaic Wealth, Inc. based in Pleasanton, CA, holding a Series 66 designation and 26 years of industry experience. He previously worked at Securities America Advisors, Inc. and Foothill Securities, Inc., and has been involved in insurance sales and individual income tax preparation for over a decade. Osaic Wealth, Inc. serves a diverse client base including retail and institutional investors, offering integrated brokerage, advisory services, financial planning, and access to various managed account platforms. The firm employs advanced asset-allocation tools and risk-tolerance analysis to develop portfolios across multiple asset classes and supports both discretionary and non-discretionary account management.

Gia Luu Phan is a financial advisor at Merrill with Series 63 and Series 66 licenses and three years of industry experience. Prior to joining Merrill, Phan worked at Bank of America, J.P. Morgan Securities, and JPMorgan Chase Bank. Additionally, Phan has been affiliated with Mission College since 2021. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party teams.

Aurora Heitman is a financial advisor at Primerica Advisors with eight years of industry experience. She holds Series 65 and Series 63 licenses and has held roles at Premier Research, Synteract, Inc., and Quintiles, Inc. In addition to her advisory work, she has experience as a homemaker and in photography. Primerica Advisors sponsors a wrap-fee asset management program serving individual investors 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 model-driven advisory services supported by third-party asset managers and custodians.

Nathan Walsh is a Series 66 registered financial advisor with Charles Schwab in Menlo Park, CA, and has four years of industry experience. His career includes roles at Charles Schwab Bank, NYLIFE Securities LLC, and New York Life Insurance Company. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering both non-discretionary and discretionary investment options, as well as integrated brokerage, custody, and financial planning services.

Chun Kit Lee is a financial advisor with J.P. Morgan Securities in Castro Valley, CA, holding Series 63 and Series 66 licenses and bringing 21 years of industry experience. He has been with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2015. 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 brokerage, distribution, and investment management capabilities.

Runtao Liu is a financial advisor at Merrill with Series 66 designation and one year of industry experience. His prior work includes roles at Bank of America and positions outside the financial industry such as with Shanghai Flavor and the American Academy of English. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations.

Irene Allen is a financial advisor at Morgan Stanley with 26 years of industry experience. She holds the Series 63 and Series 65 licenses and has been with Morgan Stanley since 2009, including over a decade at Morgan Stanley Private Bank. Morgan Stanley Wealth Management provides a wide range of advisory services to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and investment research. The firm manages approximately $2.74 trillion in client assets and serves clients through direct relationships and corporate financial planning agreements.

Shahmir Moussavi is a Senior Financial Advisor with Merrill Lynch Wealth Management. In this role, he focuses on connecting clients to tailored strategies and processes that align with their unique financial ambitions. His work involves helping clients plan for significant milestones, including funding education, preparing for retirement and potential healthcare expenses, and developing personalized plans to support long-term family goals. Shahmir holds the professional designation of Personal Investment Advisor (PIA). He earned a High School Diploma from Hillsdale High School and attended the California State University System without completing a degree. His approach emphasizes simplicity and transparency in wealth management, aiming to make the investment process straightforward and aligned with each client's personal perspectives and priorities.

Mercedes Landaverde is a financial advisor at Morgan Stanley with a Series 66 designation and nine years of industry experience. She has worked at Morgan Stanley since 2017 and previously at Wells Fargo Bank from 2014 to 2017. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a range of advisory programs including tailored financial planning supported by structured discovery and firm-approved tools, managing approximately $2.74 trillion in client assets.

Ryan Walsh is a Financial Advisor Trainee at Merrill Lynch Wealth Management. In this role, he is engaged in developing his expertise in financial planning and wealth management. As a trainee, Ryan is building his experience within the finance industry, focusing on gaining the skills necessary to support clients in managing their financial goals. His current position places him within the Merrill Lynch Wealth Management team, where he is advancing his professional knowledge and capabilities.

Ariana Parker is a Series 66-licensed financial advisor at UBS Financial Services with 13 years of industry experience. She has been with UBS since 2012. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, utilizing proprietary capital market assumptions and research to tailor plans to clients’ goals and risk tolerances. The firm integrates institutional trading capabilities with wealth management services, providing a broad range of financial solutions.

Francisco Reyes IV is a financial advisor at Merrill with Series 66 and Series 63 licenses and three years of industry experience. His prior work includes roles at Bank of America, Drivetime, Chewy.com, Farmers Insurance, and Enterprise Rent A Car. Outside of finance, he works as a clerk in a convenience store. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

James Wong is a financial advisor at Morgan Stanley with 27 years of industry experience. He has worked with Morgan Stanley and its Private Bank division since 2014 and 2015, respectively. Wong holds Series 63 and Series 65 credentials. Outside of his advisory role, he is involved in several real estate investment ventures as a passive investor and limited member. Morgan Stanley Wealth Management serves individual and institutional clients by providing tailored financial planning and advisory programs, managing approximately $2.74 trillion in client assets. The firm utilizes structured planning tools and investment modeling techniques but generally acts in an advisory capacity rather than as a fiduciary unless otherwise engaged.

Min Myo is a Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2018. He has been with Fidelity Investments since 2010, progressing from Investment Consultant to Financial Consultant before his current role. Prior to joining Fidelity, Min worked as a Financial Advisor with MML Investors Services and Ameriprise Financial Services. With over 15 years of planning experience, Min specializes in retirement planning, estate planning considerations, and wealth planning. He focuses on establishing long-term planning relationships and creating customized plans that adapt to the changing needs of his clients. His professional approach is informed by his understanding of the multiple financial goals faced by families. Min holds a California Insurance License.