Frederick Gawlick is a financial advisor with VOYA Financial Advisors, Inc., holding Series 63 and Series 65 credentials and over 52 years of industry experience. He has worked at VOYA Financial Advisors since 2014 and has operated Gawlick Retirement Services since 1984. He serves as a director for the Better Business Bureau of Silicon Valley and is a board member of the Santa Cruz Education Foundation. VOYA Financial Advisors, Inc. serves a diverse client base including individual and institutional clients, offering services such as financial planning, portfolio management, and plan-sponsor consulting. The firm provides advice primarily through non-discretionary arrangements and operates both as an SEC-registered investment adviser and a broker-dealer.

Daniel Cook is a CFP® professional with 38 years of industry experience, currently serving at VALIC Financial Advisors since 2003. He also holds Series 63 and Series 66 licenses and has an agent role with Agia involving non-securities insurance products. VALIC Financial Advisors serves U.S.-domiciled individual investors, including high-net-worth clients, as well as corporate and retirement-plan participants. The firm offers discretionary managed-account programs, financial planning, and brokerage services, utilizing Envestnet-developed UMA models for portfolio construction.

Kyle Certo is a financial advisor at Empower Advisory Group with four years of industry experience. He holds Series 66 and Series 63 licenses and has worked at Empower Advisory Group since 2025, following roles at GWFS Equities, Inc., Xactly Corp., and Proofpoint Inc. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, offering services through an integrated model connected to Empower’s recordkeeping and administrative platforms. The firm emphasizes long-term portfolio returns and savings rates in its planning approach and serves a large client base relative to its advisor count.

Michael Napoli is a financial advisor with Private Advisor Group, LLC, holding Series 63 and Series 65 licenses and 26 years of industry experience. His prior roles include positions at Strategic Wealth Advisor Group, LPL Financial, and Stratos Wealth Partners. He is also involved with Nexa Mortgage, referring clients to mortgage services to assist with refinancing and new purchase loans. Private Advisor Group serves a diverse client base, including individuals, trusts, and charitable organizations, offering portfolio management, financial planning, and retirement-plan consulting through a variety of advisory programs and third-party asset managers. The firm supports a range of investment approaches and provides access to multiple custodians and model strategists.

Michael Elder is a financial advisor with Commonwealth Financial Network in Campbell, CA, holding Series 63 and Series 66 designations and bringing 25 years of industry experience. He has been the owner of Cornerstone Investment Associates, Inc. since 2006, a private entity facilitating securities, advisory, and insurance business. Commonwealth Financial Network serves a national network of approximately 2,950 advisors and their retail and institutional clients, providing advisory programs and services alongside back-office support including operations, trading, technology, compliance, and practice management. The firm offers a range of investment programs and model portfolios managed through a structured due-diligence process.

Michael Flynn Jr. is a financial advisor with Eagle Strategies (NY Life) based in Capitola, CA, holding Series 63 and Series 65 credentials and 21 years of industry experience. He has worked with New York Life Insurance Company and Nylife Securities Inc. since 2005 and operates his own firms, Flynn Wealth Strategies and Insurance Solutions, Inc. and BIGGR Wealth Strategies and Insurance Solutions, LLC. Outside of his advisory work, he hosts The Impact Entrepreneur Show Podcast, which features interviews with entrepreneurs across various industries. Eagle Strategies serves individual and institutional clients by providing financial planning, investment management, and retirement-plan advisory services through a large network of affiliated representatives. The firm emphasizes tailored recommendations and offers multiple program types, with the majority of assets managed on a non-discretionary basis.

Jerry Lopez is a financial advisor with Valic Financial Advisors in Scotts Valley, CA, holding Series 63 and Series 65 licenses. He has 28 years of industry experience, including 23 years with Valic Financial Advisors and a current role with Agia. Lopez serves on the board of the Community Foundation of Santa Cruz County, participating in philanthropy and finance committees. Valic Financial Advisors primarily serves U.S.-domiciled individual investors, including high-net-worth and ultra-high-net-worth clients, as well as corporate and retirement-plan participants. The firm offers discretionary managed-account programs, financial planning, and brokerage services, utilizing Envestnet-developed UMA models and providing various overlay options to tailor client portfolios.

Daniel Newquist is a CFP® professional with 25 years of experience in the financial services industry. He is currently with Focus Partners Wealth, LLC and has held prior roles at The Colony Group, Buckingham Strategic Wealth, and Securities America, among others. From 2016 to 2020, he was involved with the Charter School of Morgan Hill Foundation. Focus Partners Wealth, LLC provides wealth advisory and investment management services to individuals, families, retirement plans, institutions, and businesses. The firm employs a long-term, tax- and fee-sensitive investment approach within an enhanced open architecture framework, combining active and passive strategies across various investment vehicles and managing a range of private and registered funds.

Daniel May is a financial advisor with Focus Partners Wealth, LLC, holding Series 63 and Series 66 designations and 34 years of industry experience. His prior roles include positions at The Colony Group, Buckingham Strategic Wealth, Securities America, RNP Advisory Services, and Foothill Securities. He participates in a local networking group, LGNG, where he occasionally assists with financial reporting and analysis. Focus Partners Wealth serves a diverse client base ranging from individual to institutional investors and offers comprehensive wealth management, financial counseling, and sub-advisory services. The firm employs a long-term, tax- and fee-sensitive investment strategy that integrates fundamental and quantitative analysis alongside third-party managers, with access to a wide range of investment products and affiliated service companies.

Christopher Young is a financial advisor at Farther with 24 years of industry experience. He holds Series 63 and Series 65 designations and previously worked for Meridian Investment Counsel Inc. for 13 years before joining Farther in 2026. Farther provides discretionary investment management and related advisory services primarily to individual investors, trusts, and estates through a web and mobile platform combined with in-person meetings. The firm’s investment approach is based on Modern Portfolio Theory and uses proprietary models, algorithmic rebalancing, and a range of investment vehicles, supplemented by AI tools under internal controls.

Jerry Positeri is a financial advisor with Fifth Third Securities, Inc. in Santa Cruz, CA, holding Series 63 and Series 65 licenses and having 40 years of industry experience. His career includes 27 years at Comerica Securities and three years at Ameriprise. Fifth Third Securities serves a diverse client base including individuals, high-net-worth clients, and institutional investors through advisory and brokerage services. The firm offers multiple investment programs via its Passageway Managed Account platform, with a focus on customized risk profiles and a range of managed solutions.

Scott Mcdougall is a financial advisor with Fifth Third Securities, Inc. in Watsonville, California, holding Series 63 and Series 65 credentials and has 11 years of industry experience. His prior roles include positions at J.P. Morgan Securities, LPL Financial, BMO Harris Bank, and First Bank of Highland Park. He was also involved with Scott Mcdougall Photography, LLC for nine years. Fifth Third Securities, Inc. serves individual and institutional clients through both advisory and brokerage services, offering a range of investment programs including mutual funds, SMA strategies, tax overlays, and direct indexing. The firm operates as a wholly owned subsidiary of Fifth Third Bank and manages approximately $10.9 billion in assets.

Scott Bloom is a financial advisor with Centaurus Financial, Inc. in Aptos, CA, holding a Series 63 designation and 44 years of industry experience. He has been with Centaurus Financial since 1999 and concurrently provides services at Pacific Tax Service since 1979. Centaurus Financial, Inc. offers advisory and brokerage services to a diverse client base including individuals, families, small businesses, corporations, trusts, and foundations. The firm employs a variety of investment analysis methods and provides both discretionary and non-discretionary portfolio management, along with specialized services such as retirement-plan consulting and advisory management of annuity and variable life sub-accounts.

Anthony Rovai is a financial advisor with Money Concepts Capital Corp, holding Series 63 and Series 65 credentials and over 32 years of industry experience. He has been with Money Concepts Capital Corp since 1993 and has held roles at several firms including C2 Financial Corporation and Eagle Funding Corporation. Rovai serves on the City of Capitola Finance Committee and is involved in health, dental, and vision insurance as an agent. Money Concepts Advisory Service provides portfolio management, financial planning, and consulting to individuals, pension plans, trusts, charitable organizations, and corporations. The firm uses a combination of model portfolios, advisor-designed portfolios, and third-party sub-advisers, applying fundamental and technical analysis alongside modern portfolio theory to manage assets for approximately 14,700 clients.

James Bargetto is a financial advisor at Morgan Stanley with 41 years of industry experience. He has worked at Morgan Stanley since 2009 and has been with Morgan Stanley Private Bank, National Association since 2015. He holds the Series 63 designation and is based in Santa Cruz, California. 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 through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and utilizes a structured financial planning process supported by firm-approved tools and methodologies.

Laura Ferguson is a financial advisor with J.P. Morgan Securities, holding Series 63, 65, and 66 licenses and bringing 18 years of industry experience. She has worked with J.P. Morgan entities since 2011. Outside of her advisory role, she is a signer for Accessibility Connection, a family business specializing in home remodeling. J.P. Morgan Securities provides institutional consulting services to clients such as corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors.

Abraham Rivera is a financial advisor at Merrill with Series 66 credentials and one year of industry experience. He has worked at Bank of America, N.A. since 2024 and was previously employed by Hartnell College for 14 years. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions.

Erik Cormier is a financial advisor with Ameriprise Financial Services LLC and holds a Series 66 designation. He has 19 years of industry experience, including roles at Ameriprise since 2018. Outside of his advisory work, Cormier is involved in family-owned businesses, serving as a director of Hermitage Brewing Company, a craft brewery, and overseeing operations in a portfolio that includes restaurants and commercial real estate. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, with a specialized Premier Retirement Income service that provides retirement planning advice focused on income sources and tax-aware withdrawal strategies.

Diana Brenneise is a financial advisor with Edward Jones, holding a Series 66 designation and possessing eight years of industry experience. She has been with Edward Jones since 2013. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, with approximately $1.01 trillion in assets under management supported by a large nationwide network of advisors and branch offices. The firm 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.

Matthew Neiger is a financial advisor at J.P. Morgan Securities with 30 years of industry experience. He holds a Series 63 designation and has worked at J.P. Morgan Securities since 2012. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with brokerage and investment management capabilities.