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 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.

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 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.

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 with Cetera, holding a Series 66 designation and 18 years of industry experience. Prior to joining Cetera in 2025, he worked at Avantax Advisory Services and 1st Global Advisors, among other firms. He is also president of Coast Financial Services Wealth Management Inc. Cetera Investment Advisers LLC serves a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Ryan Ozog is a financial advisor at Edward Jones with 15 years of industry experience. He has held positions at Scottrade, Inc., TD Ameritrade, and TD Ameritrade Investment Management, LLC before joining Edward Jones in 2021. He holds the Series 63 and Series 66 designations. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of discretionary and non-discretionary investment strategies and operates with a nationwide network of more than 23,700 advisors.

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.

Brooke Haskins is a financial advisor at OSAIC with 29 years of industry experience. She holds Series 63 and Series 66 credentials and has worked with Securities America Advisors, Inc. and Securities America, Inc. prior to joining OSAIC. In addition to her advisory role, she serves as a board member for the art program at the Washington Union School District in Salinas, CA. OSAIC serves a wide range of retail and institutional clients through a large network of affiliated advisers and offers integrated brokerage, investment advisory, and financial planning services with a focus on diversified portfolio construction and multiple advisory platforms.

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 at LPL Enterprise with a Series 66 designation. He joined LPL Enterprise in 2026 and has no prior industry experience. His background includes roles outside finance, such as working at O'Neil Surf Shop and Palapas, as well as extended periods as a student. LPL Enterprise serves a diverse client base, including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers a range of financial planning and consulting services, access to model portfolios, and brokerage and insurance products through an integrated platform.

Kevin Kelly is a financial advisor at Fidelity with 28 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Fidelity Investments since 2012, including roles at Fidelity Personal and Workplace Advisors. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients, as well as registered investment companies and an IRS-qualified Charitable Gift Fund. The firm utilizes a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and advisory solutions.

Robert Anderson is a financial advisor with UBS Financial Services in Boulder Creek, CA, holding a Series 63 designation and bringing 47 years of industry experience. He has been with UBS since 2001. Outside of his advisory role, he serves as a member of the FINRA Market Regulation Committee. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, utilizing proprietary capital market assumptions and model-based asset allocations to tailor plans to clients’ goals. The firm integrates institutional trading capabilities with wealth management services and provides a broad range of financial products and capital markets services.