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.

Jose Cerda is a financial advisor with J.P. Morgan Securities in Watsonville, CA, holding Series 63 and Series 66 designations and six years of industry experience. He has worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2019. Prior to his current roles, his work history includes positions at Target Corporation, Red Robin Gourmet Burgers, Inc., and San Jose State University. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm delivers its program on a non-discretionary basis, combining institutional advisory operations with affiliated brokerage, distribution, 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.

Nicholas Maes is a financial advisor at Primerica Advisors with Series 63 and Series 65 licenses and two years of industry experience. His prior roles include work at PFS Investments Inc. and various positions at Santa Clara University. In addition to advisory services, he is involved in the sale of loan products and home-related services through Primerica-affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients, delivering advisory services through a large network of advisors using model-driven investment strategies supported by third-party asset managers and custodians.

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.

Vincent Di Piero is a CFP® professional with nine years of industry experience, currently serving at Edward Jones since 2017. Prior to joining Edward Jones, he worked with Reach Professional Tutoring and Momel Partners Inc. in earlier roles. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a wide range of advisory programs and investment solutions supported by a large network of financial advisors and branch offices nationwide.

Brooke Haskins is a financial advisor at OSAIC with 29 years of industry experience. She holds Series 63 and Series 66 designations and worked previously at Securities America Advisors, Inc. from 2007 to 2024. Outside of her advisory work, she serves as a board member for the art program at Washington Union School District in Salinas, CA. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and advisory services, using asset-allocation tools and third-party managers to construct diversified portfolios tailored to client needs.

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. He previously worked at U.S. Bancorp Investments and U.S. Bank before joining Merrill and Bank of America. In addition to his advisory role, he serves as an assistant basketball coach at Saint Andrew's Episcopal School in Saratoga, CA. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

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.

Nicole Le Gassick is a financial advisor with Raymond James Financial in Los Gatos, CA, holding a Series 66 designation and over 17 years of professional experience. Prior to joining Raymond James in 2025, she worked for Lionsgate Entertainment Corporation from 2009 to 2025. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth and non-HNW clients, pension plans, charitable organizations, corporations, and government entities. The firm offers financial planning and non-discretionary investment consulting, utilizing asset-allocation analysis and firm research to develop tailored recommendations, with a notable focus on non-discretionary advisory services.

Lauren Stiteler is a financial advisor with Charles Schwab in Soquel, CA, holding a Series 66 designation and 18 years of industry experience. She has worked at Charles Schwab and Charles Schwab Bank since 2016 and previously spent a year at Fidelity Investments. 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 related managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment management options, supported by multi-asset model portfolios and centralized custody and order-routing arrangements.

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.

Matthew Lopez is a financial advisor with OSAIC who holds a Series 66 designation and has 11 years of industry experience. He previously worked at Securities America Advisors and Questar Asset Management. Outside of advising, Lopez is a member of Rotary International, where he participates in community service activities. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and investment advisory services, financial planning, and access to third-party money managers and wrap programs. The firm uses various asset-allocation tools and supports both discretionary and non-discretionary account management.