Matthew Zepeda is a financial advisor at Morgan Stanley in Santa Cruz, CA, holding a Series 66 designation with four years of industry experience. His work history includes roles at Morgan Stanley Private Bank and Newmark Knight Frank, as well as experience at Loyola Marymount University. Outside of advisory work, he is involved with CRBN Pickleball as an ambassador. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, offering tailored financial planning through its network of Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools and models.

Nikolas Barr is a financial advisor at Morgan Stanley with 18 years of industry experience. He holds a Series 66 license and has been with Morgan Stanley and its affiliated entities since 2009. Outside of his advisory role, he is employed by Peninsula Sports, Inc. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers tailored financial planning and a wide range of advisory programs supported by structured discovery tools and modeling techniques.

Kris Schilperoort is a financial advisor at Edward Jones with 20 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Edward Jones since 2018. His prior experience includes five years at Waddell & Reed, Inc. Schilperoort has interests in oil and gas royalties and rental income through various entities. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and operates a nationwide network of financial advisors and branch offices.

Sebastian Henshaw is a financial advisor at Raymond James Financial with one year of industry experience. He holds a Series 66 designation and supports client services as a Registered Sales Assistant, assisting with equity research and client communications. Prior to joining Raymond James, he has held various roles including positions at Kevin L. Mize, CFP®, and other firms. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base that includes individuals, high-net-worth clients, corporations, and institutions. The firm offers tailored, non-discretionary planning and utilizes analytical tools to support client goals, with notable programs in municipal advising and SIMPLE IRA employer consulting.

Zachary Levy is a Financial Consultant currently working at Fidelity Investments since 2024. He has held prior roles including Executive Relationship Manager at Morgan Stanley from 2023 to 2024, Financial Consultant at E*TRADE from 2022 to 2023, and Retail Trading Specialist at TD Ameritrade from 2020 to 2022. Zachary specializes in providing financial consultation services, focusing on partnering with clients to develop clear and actionable financial strategies. He is licensed with a California Insurance License. Outside of his professional career, Zachary engages in family activities and enjoys fitness, football, golf, outdoor adventures, and running.

Tamara Blue is a financial advisor with Charles Schwab in Los Gatos, CA, holding Series 63, 65, and 66 licenses and bringing 28 years of industry experience. She has been with Charles Schwab and its affiliate bank since 1999 and 2008, respectively. 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 services, offering a combination of non-discretionary investment guidance and access to discretionary separately managed accounts within an integrated custody and brokerage platform.

Heather Stiles is a financial advisor with Raymond James Financial who holds a Series 63 designation and has 45 years of industry experience. She has been with Raymond James Financial Services, Inc. since 1992 and currently serves as Secretary and Treasurer of a concierge wealth management company affiliated with the firm. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a broad client base that includes individuals, high-net-worth clients, corporations, pension and profit-sharing plans, charitable organizations, and institutional clients. The firm offers tailored, non-discretionary planning and uses analytical tools such as risk profiling and probability modeling to support client goals.

Omar Maslic is a financial advisor at Cetera with 19 years of industry experience. He holds Series 63 and Series 66 designations and has worked at firms including PNC Investments and BBVA Securities Inc. prior to his current role. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base that includes individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to both affiliated and third-party investment strategies.

Jane Mckenzie is a financial advisor with Cambridge Investment Research Advisors, holding a Series 63 designation and 26 years of industry experience. Her prior work history includes roles at Morgan Stanley, Citigroup Global Markets, Protected Investors of America, and A. G. Edwards & Sons. Outside of her advisory work, she serves as a director and volunteer for the Santa Cruz Surfing Preservation Society. Cambridge Investment Research Advisors serves individual and institutional clients, including pension and charitable organizations, by offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm manages a multi-billion dollar asset base through thousands of financial professionals and provides a range of platform and third-party advisory services.

Brandyn Cavin is a financial advisor at OSAIC with 24 years of industry experience. He holds the CFP® and ChFC® designations and has worked at firms including Securities America Advisors, Mercer Advisors, and Foothill Securities. Cavin is also involved in a fixed annuity business through Pacific Life Insurance Company. OSAIC serves a diverse range of retail and institutional clients, offering brokerage and advisory services through a multi-advisor platform. The firm utilizes model-based asset allocation and portfolio optimization tools, supports discretionary management, and provides access to alternative investments via third-party platforms.

Apollo Santos is a Financial Consultant currently working at Fidelity since 2023. He assists clients in creating financial plans tailored for individuals and families at various stages of their lives. Prior to this role, he served as an Executive Relationship Manager at E*TRADE from Morgan Stanley between 2020 and 2023. His expertise includes wealth planning and investment strategies, leveraging his team's dedication to provide personalized financial guidance. Apollo holds a California Insurance License, supporting his work in financial consulting and client services.

Veronica Aquilina is a financial advisor with UBS Financial Services in Los Gatos, CA, holding a Series 66 designation and 10 years of industry experience. She has been with UBS Financial Services Inc. since 2012. UBS Financial Services Inc. serves individual, corporate, and institutional clients through both 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 access to proprietary research and a broad range of capital markets solutions.

Melissa Sterling is a financial advisor with Edward Jones in Capitola, CA, holding a Series 66 designation and nine years of industry experience. She has been with Edward Jones since 2017, with a brief period working at Firefly Ink and Southern Illinois Healthcare Foundation prior to that. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including households of varying net worth, pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets under management and offers a range of advisory services, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds under a fiduciary standard.

Rick Boynton is a financial advisor with OSAIC in Scotts Valley, CA, holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. His career includes 15 years with Securities America Advisors, Inc. and prior roles at Brecek & Young Advisors, VOYA Financial Advisors, and Valic Financial Advisors. OSAIC serves a diverse clientele including individual investors, retirement plan sponsors, charities, and corporations through a multi-advisor platform offering brokerage and advisory services. The firm employs a model-based investment approach with tools for asset allocation, portfolio optimization, and offers various managed account programs and third-party manager options.

Julius Freeman is a financial advisor at Fidelity with nine years of industry experience. His prior roles include positions at Merrill, Bank of America, JP Morgan, and Wells Fargo. Outside of his advisory work, he is the owner and operator of Sole Surf LLC, a business focused on buying and reselling sports merchandise. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is notable for its advisory roles to registered investment companies and the use of systematic methodologies and AI in portfolio management.

Joyce Irmer is Vice President and Financial Consultant at Fidelity Investments, a role she has held since 2020. She has been with Fidelity Investments since 2011, progressing through positions including Financial Services Associate, Financial Representative, Relationship Manager, Investment Consultant, and Financial Consultant. Her professional experience centers on wealth planning and financial consulting. Joyce holds a California Insurance License. She is dedicated to working closely with clients to develop and maintain customized financial plans tailored to their individual needs. Outside of her professional responsibilities, Joyce enjoys comedy, family activities, exploring food, parenthood, reading, and traveling.

Brian Cooke is a financial advisor with LPL Financial in Capitola, CA, holding Series 63 and Series 66 registrations and 24 years of industry experience. He has worked at LPL Financial since 2010 and previously spent three years with Edward Jones. Cooke also acts in a fiduciary capacity for a family trust. 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 advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by a network of over 22,800 advisors and sophisticated operational tools.

Brian Lamb is a Series 66 licensed financial advisor with J.P. Morgan Securities, based in Los Gatos, CA. He has 18 years of industry experience, including roles at JPMorgan Chase Bank, N.A., Chase Investment Services Corp., and TD Ameritrade. Lamb has been with J.P. Morgan Securities and related entities since 2011. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a team of Wealth Advisors. The firm’s approach combines quantitative and qualitative research with forward-looking capital market assumptions to deliver written asset allocation advice, investment manager searches, and customized performance reporting.

Jesus Maciel is a financial advisor with J.P. Morgan Securities in San Jose, CA, holding Series 63 and Series 66 licenses and possessing 10 years of industry experience. He has worked at J.P. Morgan Securities and related entities since 2016. In addition to his advisory role, he is an owner and partner of La Michoacana Plus, an ice cream parlor in San Jose. J.P. Morgan Securities provides institutional consulting services focused on asset allocation advice, investment manager and fund searches, and customized performance reporting for plan sponsors, corporations, endowments, and other institutional clients. Their advisory process combines quantitative and qualitative research and includes broader derivatives and commodities capabilities.

Marcela Gonzalez is a Vice President and Financial Consultant at Fidelity Investments, a position she has held since 2020. She brings extensive experience in personal financial planning, emphasizing client engagement in the planning process to develop disciplined financial strategies. Prior to her current role, Marcela served as Vice President -- Investments and Private Client Advisor at JPMorgan Securities from 2012 to 2020. Her earlier experience includes positions as a Licensed Banker at Chase Bank from 2010 to 2012 and as a Registered Client Associate at Merrill Lynch from 2008 to 2010. She holds a California Insurance License.