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 five years of industry experience. His prior work includes roles at Bank of America and Merrill. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including discretionary portfolio management and fund advisory. The firm employs a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios across various investment vehicles.

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 and holds a Series 66 designation. Her prior work includes roles at Securities America Advisors and Architectural Facades. Osaic Wealth, Inc. serves a diverse client base ranging from individual investors to corporations and charitable organizations through a wide network of financial advisers. The firm provides integrated brokerage and advisory services, utilizing asset-allocation tools and third-party platforms to construct and manage portfolios across various asset classes.

Juliana Cardinale is a financial advisor at Ameriprise with a Series 66 designation and one year of industry experience. Prior to joining Ameriprise, her background includes roles as a student and work experience outside the financial industry. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, with a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focusing on dependable income sources and tax-aware withdrawal strategies.

Kenneth Evans is a financial advisor at Morgan Stanley with two years of industry experience. He holds the Series 66 designation and previously worked in the cycling retail industry for several years. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and a wide range of advisory programs. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools to support its advisory process.

David Vanderzwaag is a financial advisor with LPL Financial in San Jose, CA, holding a Series 63 designation and 37 years of industry experience. He previously worked for National Planning Corporation for 10 years before joining LPL Financial in 2017. Vanderzwaag is also the owner of Vander Zwaag Financial, Inc., an entity associated with his advisory business. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by proprietary research, third-party subadvisors, and technology-driven solutions.

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 at LPL Financial in Santa Cruz, CA, holding a Series 66 designation with two years of industry experience. Prior to joining LPL Financial, Casey worked at BMO Bank NA and Edward Jones. Outside of financial advising, he owns Redwood Original, LLC, a business consulting firm that provides process review and general assistance tasks. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, and institutions. The firm offers diverse advisory programs, financial planning, and retirement consulting, supported by research and model portfolios from multiple sources.

Katherine Lynne Seidel is a financial advisor at UBS Financial Services with 18 years of industry experience. She holds a Series 66 designation and has worked previously at Edward Jones before joining UBS in 2016. Outside of her advisory role, she is involved with Santa Cruz Personal Training & Sports Rehab, where she contributes to marketing, advertising, and sales activities. UBS Financial Services serves individual, corporate, and institutional clients by combining brokerage and investment advisory services, including financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management through a broad platform of products, research, and capital markets services.

Angelina Mcclellan is a financial advisor at Morgan Stanley with 13 years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley since 2011. Mcclellan serves as a trustee in several trust-related roles outside of her advisory work. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a wide range of advisory programs to both individual and institutional clients. The firm provides tailored financial planning using structured discovery conversations and firm-approved tools, managing approximately $2.74 trillion in client assets.

Antonio Da Roza is a Private Wealth Advisor at Merrill Private Wealth Management. He leads a strategic process aimed at making work optional for clients by applying his expertise to advance their financial interests, restore free time, and promote satisfaction. Antonio began his career in financial services in 1989. He has worked extensively with entrepreneurs, corporate executives, and their top employees, focusing on areas such as corporate executive services, family wealth management strategies, legacy planning, and managing new wealth. Prior to his current role, he was a director in the Private Wealth Management Division at Morgan Stanley Smith Barney and its predecessors. He holds a Bachelor of Science degree in Finance and Banking from San Francisco State University and the Certified Investment Management Analyst (CIMA) designation from the Investments & Wealth Institute. Antonio resides in Hillsborough, California, with his wife and two daughters, and enjoys golfing, skiing, surfing, and tennis.

Megan Edwards is a financial advisor with LPL Financial in Los Gatos, CA, holding a Series 66 designation and 18 years of industry experience. She has been with LPL Financial since 2009 and also operates Ivy Financial Planning & Associates, LLC. Outside of her advisory role, she serves as an assistant JV softball coach at Los Gatos High School. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base that includes individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers various advisory programs, financial planning, and retirement plan consulting, utilizing research and model portfolios from LPL Research and third-party subadvisors.

Mary Rono is a financial advisor with J.P. Morgan Securities in Los Gatos, CA, holding a Series 66 designation and 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 LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

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.

Glenn Nagamine is a financial advisor at Osaic with 11 years of industry experience. He holds a Series 66 designation and previously worked at Lincoln Financial Securities Corporation, The O. N. Equity Sales Company, and Ohio National Financial Services. Nagamine also operates a sole proprietorship offering fixed disability insurance, indexed annuities, long-term care, and life insurance products. Osaic Wealth, Inc. serves a diverse range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage, advisory services, financial planning, and access to third-party money managers. The firm employs asset-allocation tools and automated rebalancing to construct diversified portfolios and supports various advisory platforms and legacy account transitions.

Lily Tran is a Financial Consultant currently working at Fidelity. She has a professional background as a Financial Advisor, having worked at Morgan Stanley from 2021 to 2024 and at Citigroup from 2018 to 2021. Her career is centered on helping clients make confident and informed decisions about their wealth through personalized strategies. Lily holds a CA Insurance License. She values building relationships based on trust and transparency, focusing on financial stability and thoughtful planning. Outside of her professional work, she is interested in fitness, social events, hiking, parenthood, traveling, and volunteering.