Atanu Bose is a financial advisor at Fidelity with three years of industry experience and holds a Series 66 designation. His prior roles include positions at Charles Schwab & Co, Wells Fargo Clearing, and Motilal Oswal Financial Services Ltd. He is affiliated with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to a broad client base including retail and institutional investors. The firm employs a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to create model portfolios and offers services such as discretionary portfolio management and fund advisory.

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.

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.

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.

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.

Benjamin Yohanan Jr. is a financial advisor with OSAIC in San Mateo, CA, holding a Series 63 designation and 33 years of industry experience. He has worked at OSAIC since 2024 and previously spent 15 years with Securities America Advisors, Inc. He also owns and operates Ben Yohanan Annuity & Insurance Agency, Inc., where he has been involved in fixed annuity and limited life insurance sales since 1990. Outside of his advisory work, he serves as a board member of the Baywood Place Homeowners Association. OSAIC serves a diverse client base including individual investors, retirement plans, charities, and corporate clients through a multi-advisor platform offering brokerage and advisory services. The firm employs a model-based investment approach featuring asset allocation, portfolio optimization, and multiple program options including Unified Managed Accounts and third-party money manager programs.

Jacqueline Kwong is a financial advisor at Morgan Stanley with 18 years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley and its Private Bank division since 2017, following a decade at Ameriprise Financial Services. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, including tailored financial planning that uses firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and offers both direct and corporate financial planning services.

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.

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 22 years of industry experience. He holds Series 65 and Series 63 licenses and has been with Primerica Advisors since 2009, previously working with Primerica Financial Services since 2003. Based in San Jose, CA, he has spent the majority of his career within the Primerica organization. Primerica Advisors is a large institutional firm managing approximately $15.5 billion in assets across about 3,698 advisors and 1,829 offices. The firm offers a wrap-fee asset management program serving individual, corporate, and charitable clients, utilizing model-delivery investment strategies developed by unaffiliated asset managers and supported by discretionary separately managed accounts.

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.

Chris Stephens is a financial advisor at Fisher Investments with 21 years of industry experience. He holds Series 63 and Series 65 designations and has been with Fisher Investments since 2001. Fisher Investments serves a global mix of institutional and private clients, offering discretionary portfolio management across equity, fixed-income, and blended mandates. The firm utilizes a centralized investment policy committee and a combination of quantitative and qualitative research to construct diversified portfolios, providing services that include sub-advisory management and retirement plan solutions.

Kevin Hatch is an advisor at LPL Financial in San Carlos, CA, holding Series 63 and Series 65 credentials with 33 years of industry experience. He has been affiliated with LPL Financial since 1995 and has been self-employed since 1993. Hatch’s other business activities include servicing existing fixed term life insurance policies outside of LPL. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, and institutions through a large network of investment adviser representatives. The firm offers a range of financial planning and asset management solutions, utilizing various portfolio strategies and advisor-support tools.

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.