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.

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 in Capitola, CA, holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. His career includes roles at C2 Financial Corporation, Eagle Funding Corporation, All Cal Financial Inc, and A.K.T. American Capital, Inc. Rovai serves on the Finance Committee for the City of Capitola and is also involved as an agent in health, dental, and vision insurance, as well as real estate. Money Concepts Advisory Service provides investment advisory, financial planning, and consulting services to a diverse client base, including individuals, pension plans, trusts, estates, and corporations. The firm manages approximately $4.07 billion in client assets through a network of several hundred advisors, utilizing model-driven and asset-allocation approaches supported by third-party managers and platforms such as Envestnet.

James Bargetto is a financial advisor with Morgan Stanley in Santa Cruz, CA, holding a Series 63 designation and 42 years of industry experience. He has been with Morgan Stanley and its related entities since 1998, including Morgan Stanley Private Bank, National Association, since 2015. 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 firm-approved tools and methodologies to assist clients with their financial goals.

Laura Ferguson is a financial advisor with J.P. Morgan Securities who holds Series 63, Series 65, and Series 66 credentials and has 19 years of industry experience. She has worked at various J.P. Morgan entities since 2011 and previously at Valic Financial Advisors. She is also a signer for Accessibility Connection, a family business specializing in home remodeling. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a selective group of Wealth Advisors. Their non-discretionary program emphasizes written asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence and incorporating an ESG eligibility framework.

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.

Matthew Neiger is a financial advisor with J.P. Morgan Securities in Santa Cruz, California, holding a Series 63 designation and 31 years of industry experience. He has worked at J.P. Morgan Securities since 2012, following roles at Chase Investment Services Corp. and Wamu Investments, Inc. 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 asset allocation advice, investment manager searches, and customized performance reporting. The firm’s approach combines quantitative and qualitative manager due diligence and may include ESG considerations, supported by affiliates offering implementation and portfolio services.

Andrew Hubbard is a financial advisor at Morgan Stanley with a Series 66 designation and two years of industry experience. Before joining Morgan Stanley, he held various roles outside the financial industry, including positions at FedEx and local service businesses. He is also involved in community activities as a middle school flag football coach. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets through a structured planning process that incorporates firm-approved tools and market outcome simulations.

Robert Mason Jr. is a financial advisor at Cetera with 19 years of industry experience. He holds a Series 66 designation and has previously worked at Avantax Advisory Services and 1st Global Advisors. Mason is also president of Coast Financial Services Wealth Management Inc. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services via multiple program platforms and third-party money managers.

Ryan Ozog is a financial advisor at Edward Jones with 16 years of industry experience. He holds the Series 63 and Series 66 designations. His career includes roles at Scottrade, Inc., TD Ameritrade, and TD Ameritrade Investment Management before joining Edward Jones in 2018. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a wide range of investment strategies, including discretionary wrap fee programs and separately managed accounts, operating under a fiduciary standard.

Timothy Carboni is a financial advisor with Morgan Stanley in Santa Cruz, CA, holding Series 63 and Series 65 credentials and possessing 34 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and the Morgan Stanley Private Bank since 2015. Morgan Stanley Wealth Management provides advisory and brokerage services to both individual and institutional clients, offering tailored financial planning and a range of investment programs supported by firm-approved tools and research.

Colleen O'Brien is a financial advisor at Morgan Stanley with 29 years of industry experience. She has held positions at Morgan Stanley since 2021 and previously worked at Charles Schwab and Charles Schwab Bank from 2007 to 2021. O'Brien holds Series 63 and Series 65 licenses. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, focusing on tailored financial planning and managing approximately $2.74 trillion in client assets. The firm employs structured planning tools and modeling techniques but generally acts in an advisory capacity without offering individual security recommendations as part of standalone plans.

Jesus Gutierrez Chavez is a financial advisor at Ameriprise with six years of industry experience. He holds a Series 66 designation and has previously worked at firms including Wells Fargo Clearing, Fidelity Investments, and Charles Schwab. Ameriprise Financial Services is a diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides clients with written recommendation reports and ongoing annual retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Brooke Haskins is a financial advisor with OSAIC in Capitola, CA, holding Series 63 and Series 66 licenses and bringing 29 years of industry experience. She previously worked at Securities America Advisors, Inc. and Securities America, Inc. for over 16 years. Outside her advisory role, she serves as a board member for the art program at the Washington Union School District, participating in decisions and volunteer activities related to the program. OSAIC serves a broad range of clients, including individual investors, retirement plan sponsors, charities, and corporate clients, offering brokerage and advisory services through diverse programs and a multi-advisor platform. The firm emphasizes model-based asset allocation and portfolio optimization, supporting discretionary and advisor-managed strategies across multiple custodial and legacy program arrangements.

Kathleen Dwyer is a Series 66-registered financial advisor at Morgan Stanley in Santa Cruz, CA, with nine years of industry experience. She has been with Morgan Stanley and its Private Bank since 2017. Prior to this, she worked at Golden Gate University from 2015 to 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs, including financial planning and estate strategies, managing approximately $2.74 trillion in client assets.

Zachary Brown is a CFP® professional with 21 years of experience at Edward Jones, where he has worked since 2005. He holds Series 63 and Series 66 licenses. Brown serves on the Pacific Collegiate Foundation Santa Cruz Endowment Fund Committee, assisting with investment and distribution decisions for the organization's funds. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of advisory programs, managed solutions, and affiliated investment products, operating under a fiduciary standard and managing approximately $1.01 trillion in assets.

David Briones is a financial advisor at Merrill with Series 63 and Series 66 licenses and four years of industry experience. His prior roles include positions at Bank of America, U.S. Bancorp Investments, and U.S. Bank. Outside of his advisory work, he serves as an assistant basketball coach at Saint Andrew's Episcopal School. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using a variety of model-based and discretionary investment strategies.

Jacob Willet is a Series 66-licensed financial advisor with Morgan Stanley in Santa Cruz, California, where he has worked since 2019. He has a total of four years of industry experience, including four years at Anderson Christie, Inc. Willet serves as a school board member for Happy Valley Elementary School. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and models for client financial plans.

Benjamin Cox is a financial advisor with LPL Enterprise, holding a Series 66 designation and based in Aptos, CA. He has been with LPL Enterprise since 2026 and has no prior industry experience. Before entering the financial services field, he held positions outside the industry, including working at O'Neil Surf Shop and Palapas. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors as well as institutional clients. The firm utilizes model-driven investment implementation and offers access to third-party asset managers, financial planning, and a range of affiliated financial services.

Kevin Kelly is a financial advisor at Fidelity with 29 years of industry experience. He holds Series 63 and Series 66 designations. His prior work includes 11 years at Charles Schwab before joining Fidelity in 2012. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios including mutual funds, ETFs, and ETPs. The firm is notable for its commodity pool operator registration, advisory roles to multiple registered investment companies, and use of advanced technologies such as AI in its investment process.