Gregory Quinlan is a financial advisor at Morgan Stanley with 37 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with Morgan Stanley Private Bank, National Association since 2015, Morgan Stanley Smith Barney since 2009, and Citigroup Global Markets since 1999. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a broad range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs structured financial planning tools supported by its Global Investment Committee.

Diego Llano is a Financial Consultant at Fidelity Investments, a role he has held since 2025. He specializes in providing thoughtful guidance and partnership to his clients, focusing on understanding their individual goals and values to build tailored financial strategies. Diego supports clients through various financial scenarios, including market fluctuations, retirement planning, and significant life changes. He has accumulated experience in the financial services industry through prior positions as a Financial Advisor at Merrill Lynch from 2024 to 2025, a Financial Consultant at Charles Schwab from 2021 to 2024, and a Private Client Banker at J.P. Morgan Chase between 2019 and 2021. Diego holds a California Insurance License, adding to his professional qualifications. Outside of his professional career, Diego engages in activities related to family, fitness, movies, music, parenthood, and surfing.

Irene Cho is a financial advisor at Wells Fargo Clearing with 12 years of industry experience. She has held roles at Wells Fargo Advisors LLC, Morgan Stanley Private Bank, N.A., and Wells Fargo Clearing. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s investment approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Jeffrey Alejandro Jr. is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds Series 63 and Series 65 credentials and has 24 years of industry experience. His prior roles include positions at First Tech Federal Credit Union and Addison Avenue Investment Services. Outside of advising, he is a partner in a skincare business. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual and institutional clients. The firm offers tailored, non-discretionary planning using analytical tools to support client goals and maintains specialized programs including municipal advisory services and SIMPLE IRA employer consulting.

Zachary Rayman is a Series 66-licensed financial advisor with eight years of industry experience, currently affiliated with LPL Financial in San Jose, CA. His prior experience includes positions at Bank of America and Merrill. Outside of his advisory role, he is involved as an insurance agent selling life, health, and disability products. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, while employing various investment strategies supported by technology and extensive advisory resources.

Caroline Brodersen is a financial advisor at UBS Financial Services with 42 years of industry experience, all spent with UBS since 1984. She holds Series 63 and Series 65 credentials and is based in San Jose, CA. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings. The firm combines institutional trading capabilities with wealth management services and provides a broad range of financial products and capital markets services.

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 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.

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 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.

Yun Huang is a Series 66 licensed financial advisor with 18 years of industry experience, currently with Charles Schwab. Prior to joining Schwab in 2022, Huang worked for Wells Fargo affiliates from 2006 to 2021. Outside of finance, Huang teaches yoga and meditation through Shaolin Temple USA and owns The Awaken Zone in Union City, CA. Charles Schwab serves primarily high- and ultra-high-net-worth individuals with a range of advisory, brokerage, and custody services. The firm offers both non-discretionary and discretionary investment management, utilizing multi-asset model portfolios and a centralized operational platform.

Benjamin Yohanan Jr. is a financial advisor at OSAIC with over 33 years of industry experience. He holds a Series 63 designation and has worked with firms including Securities America Advisors, Inc. and Hatch Retirement Services. Yohanan is also the owner of Ben Yohanan Annuity & Insurance Agency, Inc. and serves as a board member of the Baywood Place Homeowners Association. OSAIC serves a broad range of retail and institutional clients through an extensive network of affiliated financial advisers, offering integrated brokerage, investment advisory services, and access to third-party money managers. The firm employs a variety of asset-allocation tools and supports both discretionary and non-discretionary account management.

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.