Michelle Flamm is a financial advisor with Charles Schwab in Los Gatos, CA, holding a Series 66 credential and five years of industry experience. She previously worked at US Bank and TD Ameritrade and has been associated with Charles Schwab since 2018. Outside of finance, she is a licensed cosmetologist providing haircut and hair coloring services to a small regular clientele. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary portfolios and alternative investments, supported by a centralized operational structure.

Adam Sawkins is a financial advisor at Morgan Stanley in Los Gatos, CA, holding a Series 66 designation with two years of industry experience. He previously worked at Charles Schwab and has a diverse background including roles in mortgage services and automotive sales. Morgan Stanley Wealth Management offers a wide range of advisory programs for individuals and institutions, with a financial planning process rooted in structured discovery and firm-approved tools, serving clients through tailored financial plans and various investment services.

Russell Case is a CFP® professional with 16 years of industry experience, currently serving at Edward Jones since 2009. He is based in Los Gatos, CA, and holds the Series 66 designation. Edward Jones is a full-service wealth management firm that serves over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Katherine Phillips is a financial advisor at Edward Jones with two years of industry experience. She holds the Series 66 designation and previously operated Katherine Phillips - Editing Services for 14 years. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and corporate accounts. The firm offers a range of advisory programs and investment strategies, managing approximately $1.01 trillion in assets with a large nationwide network of financial advisors and branch offices.

Corrine Fabie is a CFP®-designated financial advisor with Morgan Stanley in Los Gatos, CA, and has 31 years of industry experience. She has been with Morgan Stanley Private Bank, National Association since 2015 and has worked at Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a broad range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and the Global Investment Committee’s return estimates.

Peter Dean is a financial advisor with Morgan Stanley in Santa Cruz, CA, holding a Series 63 designation and 42 years of industry experience. His career includes long tenures across various Morgan Stanley entities since 1997 and a brief period at Citigroup Global Markets. He serves on the boards of the Boys & Girls Club of Santa Cruz and the Odd Fellows Cemetery & Mortuary. Morgan Stanley Wealth Management offers a wide range of advisory programs to both individual and institutional clients, focusing on tailored financial planning supported by structured tools and analysis. The firm manages approximately $2.74 trillion in client assets and provides services through a combination of advisory and brokerage capabilities.

Stefan Webster is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and five years of industry experience. He has been with J.P. Morgan Securities and JPMORGAN Chase Bank since 2021, and previously worked for the City of Los Angeles for nine years. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The firm combines quantitative and qualitative research to support its recommendations, which may include ESG considerations and leverage broader derivatives and commodities capabilities.

Tracey Stanga Jarvis is a financial advisor at Charles Schwab with 13 years of industry experience. She holds a Series 66 designation and has been with Charles Schwab and Charles Schwab Bank since 2013. Charles Schwab & Co., Inc. serves a large client base, 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 separately managed accounts and offers a distinctive operational structure that includes centralized custody and an alternative investments program.

Karen Spencer is a financial advisor with UBS Financial Services in Los Gatos, CA, holding Series 63 and Series 66 designations and 31 years of industry experience. She has been with UBS Financial Services since 2013. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm provides fee-based financial planning, portfolio management, and distributes mutual funds and alternative products while leveraging proprietary research and model-based asset allocations.

Romeo Margot Picquendar is a Wealth Management Advisor with Merrill Lynch Wealth Management. In this role, Romeo provides affluent clients with personalized investment strategies that address a broad range of financial needs, including investment planning, retirement and estate planning, college planning, and asset and liability management. By collaborating closely with a team of Merrill specialists, Romeo delivers customized financial recommendations aimed at helping clients make informed decisions aligned with their evolving market conditions and personal circumstances. Romeo began a career in finance after earning a Bachelor's Degree from the University of Maryland. Romeo holds the designation of CERTIFIED FINANCIAL PLANNER (CFP) and the Personal Investment Advisor (PIA) credential, demonstrating professional expertise in comprehensive financial planning and investment advisory services. Committed to community involvement, Romeo embraces the Merrill tradition of volunteering and engaging with local organizations. This dedication reflects a broader philosophy of working collaboratively one-on-one with clients to develop tailored financial strategies designed to support their long-term goals.

Dieter Ramaekers is a CFP® with 28 years of industry experience, currently serving as an advisor at Raymond James Financial Services Advisors, Inc. since 2016. He is a co-owner of Adint Associates LLC, which owns the office space where he works, and leads a marketing team through Adint, Ramaekers and Associates. Raymond James Financial Services Advisors, Inc. provides financial planning and advisory services to a diverse client base, including individuals, corporations, and institutional clients. The firm offers tailored, non-discretionary investment consulting and supports a large network of advisors with specialized programs in municipal finance and employer retirement plans.

Sabin Alibrandi is a CFP® professional with over 21 years of industry experience, currently serving as an advisor at OSAIC since 2024. His previous experience includes roles at Securities America Advisors and Cetera Advisors LLC. Outside of his advisory duties, he serves as treasurer for Santa Cruz County Lacrosse, a volunteer board position. OSAIC is a multi-advisor platform serving retail and institutional clients with a range of brokerage and advisory services, emphasizing model-based asset allocation and portfolio optimization through diverse programs and third-party manager options.

Kevin Mize is a CFP® with 39 years of industry experience, currently affiliated with Raymond James Financial Services Advisors, Inc. He previously spent 15 years at Morgan Stanley in various capacities, including nine years with Morgan Stanley Private Bank. Outside of advisory work, he owns Earthrise Real Estate, LLC, which holds a building intended as the future site of his Raymond James branch. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, institutions, and charitable organizations. The firm offers tailored, non-discretionary planning and supports municipal and public-finance work through unique affiliations.

Anna Jacobs is a financial advisor with LPL Financial based in San Jose, CA, holding a Series 66 designation and bringing 20 years of industry experience. She previously worked with Waddell & Reed, Inc. for 16 years and has been involved in various roles including insurance agencies and property management. Outside of her advisory work, she has engaged in rental property management and served on a homeowners association board. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning and investment services, utilizing model portfolios and third-party subadvisors, and supports its advisors with advanced operational and research tools.

Cathleen Petersen is a financial advisor with OSAIC holding a Series 63 designation and 45 years of industry experience. She previously worked at Securities America Advisors, Inc. and Foothill Securities, Inc., and has operated her own tax preparation and planning business since 1984. OSAIC Wealth serves a diverse range of retail and institutional clients, offering brokerage and advisory services through a multi-advisor platform that includes comprehensive financial planning, managed portfolios, and retirement plan consulting. The firm employs a model-based investment process with multiple program options and maintains complex affiliations and private-equity ownership.

Roger Evans is a financial advisor at Morgan Stanley with 12 years of industry experience. He has been with Morgan Stanley since 2013 and has worked with the Morgan Stanley Private Bank, National Association since 2015. He holds the Series 66 designation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs including tailored financial planning, utilizing structured discovery processes and firm-approved tools to support client planning needs.

Ryan Cole is a financial advisor with Morgan Stanley in Los Gatos, CA, holding Series 63 and Series 65 licenses and bringing 11 years of industry experience. His prior roles include seven years at Fisher Investments and combined positions at Wells Fargo bank and Wells Fargo Clearing. He has been with Morgan Stanley and its private bank since 2025. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery processes and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and delivers services both directly and through Corporate Financial Planning agreements.

Samineh Shaeghi is a CFP® professional with 15 years of industry experience, currently serving at LPL Financial since 2023. Her prior experience includes nine years at Bancwest Investment Services, Inc. and two years at Fidelity. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides a range of advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm supports over 22,900 advisors and manages more than $819 billion in discretionary assets, offering customizable investment strategies and multiple non-advisory financial services.

John Cole is a financial advisor at Morgan Stanley with 22 years of industry experience. He holds a Series 66 designation and has worked with Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2010. Outside of his advisory work, he is the sole proprietor and owner of Calidus Vineyard, an agricultural business in Calistoga, California. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process using firm-approved tools and scenario modeling.

Jennifer Smith is a Financial Consultant currently working with Fidelity Investments since 2024. She has extensive experience in the financial services industry, having previously served as a Senior Wealth Management Associate at UBS Financial Services from 2020 to 2024, and as Vice President - Financial Advisor at Morgan Stanley from 1994 to 2020. Her professional approach involves understanding clients' goals, values, and lifetime aspirations to develop holistic financial plans. She emphasizes the importance of regular plan reviews to accommodate any changes in clients' circumstances. Jennifer holds a California Insurance License. Outside of her professional career, Jennifer enjoys cooking and baking, participating in family activities, exploring culinary interests, attending social events with friends, listening to music, and traveling.