Ronald Lohbeck is a financial advisor at UBS Financial Services with 57 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Wells Fargo Clearing and RBC Capital Markets. Outside of his advisory role, he manages rental properties in Kamuela, Hawaii. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides research and capital markets solutions through its proprietary platforms.

Olga Pappas is a financial advisor at Morgan Stanley in Santa Cruz, CA, holding a Series 66 designation with 22 years of industry experience. She has worked at Morgan Stanley and its affiliated entities since 2004, including a brief tenure at Citigroup Global Markets. Morgan Stanley Wealth Management provides advisory programs to both individual and institutional clients, offering comprehensive financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and delivers services through a range of investment and planning strategies.

Kyle Coulter is a financial advisor with Morgan Stanley in Santa Cruz, CA, holding a Series 66 designation and nine years of industry experience. He has been with Morgan Stanley and its Private Bank division since 2016. Outside of his advisory role, he serves as a board member of the Watsonville Rotary Club. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a range of advisory programs and tailored financial planning to individuals and institutional clients, managing approximately $2.74 trillion in client assets. Their financial planning process utilizes structured discovery, proprietary tools, and modeling techniques, focusing on advisory services without providing individual security recommendations in standalone plans.

Jessica Locatelli is a financial advisor at Morgan Stanley with 14 years of industry experience. She holds a Series 66 designation and has worked with Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2011. Outside of her advisory role, she is involved with the Santa Cruz County Community Foundation and The Community Foundation of Santa Cruz County, serving on their advisory and finance committees. Additionally, she is associated with Boulder Creek Stables, a private horse boarding business. Morgan Stanley Wealth Management offers a range of advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s investment approach includes structured planning tools and utilizes market simulations to model outcomes.

Antonio Arlia is a financial advisor at Fidelity with a Series 66 designation and six years of industry experience. He previously worked at Bank of America and Merrill, and has held roles at West Valley College and San Jose State University. Fidelity's Strategic Advisers LLC provides investment management and advisory services to both retail and institutional clients, employing a process that combines proprietary fundamental research with quantitative analysis and algorithmic portfolio construction. The firm is notable for its formal advisory role to multiple registered investment companies and its use of algorithmic methods and AI in portfolio management.

Thomas Olivera is a Series 66-licensed financial advisor with Morgan Stanley in Los Gatos, CA, and has four years of industry experience. His prior roles include positions at San Jose Earthquakes LLC and San Jose State University. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning, managing approximately $2.74 trillion in client assets. The firm employs a structured financial planning process using proprietary tools and offers broad retail and institutional investment services.

Philip Drews is a financial advisor with Wells Fargo Clearing in San Jose, CA, holding Series 63 and Series 66 licenses and bringing 13 years of industry experience. He previously worked at J.P. Morgan Securities and JPMORGAN Chase Bank, where he spent over a decade before joining Wells Fargo Clearing in 2022. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm's advisory process is IPS-driven and grounded in modern portfolio theory, with investment options that include insurance-related vehicles and bank deposit sweep options.

William Waggoner II is a financial advisor with Morgan Stanley in Los Gatos, CA, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been with Morgan Stanley Private Bank since 2015 and previously worked at Morgan Stanley Smith Barney starting in 2009. Outside of his advisory role, Waggoner serves as the Defensive Coordinator for the varsity football team at Los Altos High School. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses a structured planning process supported by in-house tools and market simulations.

Natalie Smith is a financial advisor at OSAIC with four years of industry experience. She holds the Series 66 designation and previously worked at Securities America, inc. and Architectural Facades. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform. The firm offers a range of brokerage and advisory services with an investment process that emphasizes model-based asset allocation, portfolio optimization, and the use of discretionary and advisor-managed strategies.

Juliana Cardinale is a financial advisor at Ameriprise with a Series 66 designation and one year of industry experience. Prior to joining Ameriprise, she worked briefly in the hospitality sector and was a student for several years. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning with a focus on dependable income sources and tax-aware withdrawal strategies. The firm’s retirement planning service utilizes proprietary research, third-party data, and algorithmic tools to deliver tailored recommendations within a defined investment universe.

Kenneth Evans is a financial advisor at Morgan Stanley in Santa Cruz, CA, holding a Series 66 designation with two years of industry experience. Prior to joining Morgan Stanley, he worked for Epicenter Cycling and The Bike Shop. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individual and institutional clients, managing approximately $2.74 trillion in assets and employing structured planning tools such as Monte Carlo simulations and Secular Return Estimates.

David Vanderzwaag is a financial advisor with LPL Financial in San Jose, CA, holding a Series 63 license and having 37 years of industry experience. He previously worked at National Planning Corporation and Whjr Associates, each for about ten years. Vanderzwaag also owns Vander Zwaag Financial, Inc., an investment-related business operating as a DBA for his LPL practice. 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 financial planning and investment management services through a large network of advisors, utilizing both proprietary and third-party strategies.

Wendi Eckardt is a financial advisor with Morgan Stanley in Santa Cruz, CA, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. She has been with Morgan Stanley since 2013. Outside of her advisory role, she serves as a FINRA arbitrator. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a range of advisory programs to individuals and institutional clients, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes a structured financial planning process supported by firm-approved tools and market models.

Kurt Grundner is a financial advisor at Edward Jones in Scotts Valley, CA, holding a Series 66 designation with one year of industry experience. His prior roles include self-employment from 2019 to 2024 and eight years at Scharf Investments. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a broad range of advisory programs, investment strategies, and affiliated financial products. The firm operates a large network of more than 23,700 advisors and 15,000 branch offices nationwide.

Casey Flom is a financial advisor with LPL Financial in Santa Cruz, CA, holding a Series 66 designation and two years of industry experience. Prior to joining LPL Financial and BMO Bank NA in 2026, Flom worked at Edward Jones for three years. He is also the owner of Redwood Original, LLC, a business consulting firm where he assists clients with business process reviews and performs various odd jobs. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers diverse advisory and brokerage services that include financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Katherine Lynne Seidel is a financial advisor with UBS Financial Services in Los Gatos, California, holding a Series 66 credential and 18 years of industry experience. She previously worked at Edward Jones from 2008 to 2016 before joining UBS in 2016. Outside of finance, she is involved in personal training through a business in Santa Cruz. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management offerings to tailor plans based on proprietary research and model-based asset allocations.

Angelina Mcclellan is a Series 66 licensed financial advisor with Morgan Stanley in Santa Cruz, CA, where she has worked for 14 years since 2011. She serves as a trustee for multiple trusts. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutions, offering tailored financial planning supported by firm-approved tools and strategies. The firm manages approximately $2.74 trillion in client assets and delivers both direct and employer-sponsored financial planning services.

Megan Edwards is a financial advisor with LPL Financial in Los Gatos, CA, holding a Series 66 designation and 19 years of industry experience. She has been with LPL Financial since 2009 and previously worked at Ivy Financial Planning & Associates, LLC, and Associated Securities Corp. Outside of her advisory role, she serves as an assistant JV softball coach at Los Gatos High School. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing a range of advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm utilizes both proprietary and third-party investment strategies and offers a broad platform that includes financial planning, model portfolios, and institutional programs.

Mary Rono is a financial advisor at J.P. Morgan Securities in Los Gatos, CA, holding a Series 66 designation with 10 years of industry experience. She has been with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2016. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. The firm’s advisory program focuses on written asset allocation advice, investment manager and fund searches, and customized performance reporting, supported by centralized due diligence combining quantitative and qualitative research.

Steven Anderson is a CFP®-credentialed financial advisor with 15 years of industry experience. He has worked at Morgan Stanley Smith Barney LLC since 2018 and previously held roles at Bank of America and Merrill. Outside of advising, he is involved in publishing related to recreation. Morgan Stanley Wealth Management serves both individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services that include but do not rely on individual security recommendations as part of standalone planning.