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.

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 a financial advisor with LPL Financial in San Carlos, CA, holding Series 63 and Series 65 licenses and possessing 32 years of industry experience. He has been with LPL Financial since 1995 and has also operated as a self-employed advisor since 1993. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a broad range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by technology tools for operational and research purposes.

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.

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.

Matthew Healy is a financial advisor at LPL Financial with 27 years of industry experience. He holds Series 66 and Series 63 licenses and has previously worked at U.S. Bancorp Investments and Fremont Bank. Outside of his advisory role, he operates Healy Insurance Services, offering non-variable insurance 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 provides a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by research and technology tools.

Adam Glatz is a financial advisor at J.P. Morgan Securities with a Series 66 designation and over eight years of experience in the financial services industry. His prior experience includes roles at JPMorgan Chase Bank, N.A., Bank of America, and PNC. J.P. Morgan Securities 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 combination of advisory and brokerage capabilities. The firm delivers its program on a non-discretionary basis, with recommendations supported by an in-house manager solutions team and a centralized due-diligence framework.

Jeffrey Chu is a financial advisor at Edward Jones with two years of industry experience. Before joining Edward Jones in 2023, he worked at Iron Mountain Inc. and Alfresco Software. Outside of his advisory role, he participates as a limited partner in a solar systems investment fund. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a range of advisory programs and affiliated investment products. The firm is notable for its extensive national network of advisors and branches and offers both discretionary and non-discretionary strategies under a fiduciary standard.

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 credential and four years of industry experience. Prior to joining Merrill and Bank of America, he held roles at Wyndham Garden Hotel and San Jose State University. Outside of his advisory work, he is employed by IHSS, supporting elderly individuals with daily activities. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using both model-based and discretionary investment strategies.

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 with Merrill in Cupertino, CA, holding Series 63, Series 65, and Series 66 licenses and 14 years of industry experience. Prior to joining Merrill and Bank of America in 2026, Lee worked at Park Avenue Securities and GUARDIAN LIFE INSURANCE/Pacific Advisors. Outside of advisory work, Lee has been involved with Loft Science LLC, providing business planning services. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, providing model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

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 with OSAIC in Campbell, CA, holding a Series 65 designation and nine years of industry experience. She has worked at Securities America, Inc. since 2017 and was previously employed at Challenger School from 2010 to 2016. Outside of her advisory role, she serves as a server at a private event venue, Coyote Ranch. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services with a range of investment solutions, utilizing asset-allocation tools and automated rebalancing to manage portfolios across various asset classes.