John Anzaldua is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has been with LPL Financial since 2015. Anzaldua is involved with wealth management operations under the names Big Trees Wealth Management and Strategic Wealth Advisors Group. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management and various model portfolios supported by LPL Research and third-party subadvisors.

Robert Baldacci is a financial advisor at Cetera with 27 years of industry experience. He holds Series 63 and Series 65 designations and has previously worked at J.P. Morgan Securities. Outside of his advisory role, he serves as treasurer and secretary for a networking group and is involved in fixed insurance sales. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, and institutional accounts. The firm offers a multi-manager platform that allows advisors to implement model portfolios, select third-party managers, or create customized strategies, managing over $256 billion in assets across more than 10,000 advisors.

Ercilia Donnelly is a financial advisor with OSAIC in Capitola, CA, holding Series 63 and Series 66 credentials and 14 years of industry experience. Her prior experience includes roles at Securities America Advisors, Valley Wealth Strategies, LPL Financial, and National Planning Corporation. She is also a co-trustee of a family trust and owns a business entity that supports her securities activities. OSAIC serves a diverse client base, including individual investors, pension plans, corporations, and charitable organizations, offering brokerage and advisory services through a large network of affiliated advisors. The firm employs a range of portfolio construction tools and provides access to third-party money managers and managed-account solutions.

Maggie Martin is a financial advisor with Morgan Stanley in Santa Cruz, CA, holding a Series 66 designation and 23 years of industry experience. She has worked with Morgan Stanley since 2009 and has been with Morgan Stanley Private Bank, National Association since 2017. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm employs a structured planning process using firm-approved tools and delivers services supported by its Global Investment Committee’s return estimates and modeling techniques.

Stacey Vander Kodde is a financial advisor at Edward Jones with 12 years of industry experience. She holds a Series 66 designation and previously worked at Morgan Stanley for seven years before joining Edward Jones in 2020. Outside of her advisory role, Stacey operates an Amazon influencer page. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of advisory programs, discretionary and non-discretionary strategies, and affiliated investment products. The firm has a nationwide network of over 23,000 advisors and manages approximately $1.01 trillion in assets.

Jacob Young is a CFP® professional with 29 years of experience in financial advising. He is currently with OSAIC and previously worked for Securities America, Inc. and Securities America Advisors, Inc. for 15 years. Young is also the owner of Jacob Young Financial, where he recommends insurance and annuity products and provides financial planning and investment advice. Osaic Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services with a range of investment solutions and utilizes tools such as asset-allocation models, risk analysis, and automated rebalancing to manage portfolios across multiple asset classes.

Nayana Darrah is a financial advisor at Morgan Stanley with 19 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009 and holds a Series 66 designation. Morgan Stanley Wealth Management provides a broad range of advisory programs to both individual and institutional clients, offering tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and delivers services through its Financial Advisors and Estate Planning Strategies Group.

Jerald Reich is a financial advisor at Morgan Stanley with 16 years of industry experience. He holds the Series 66 designation and has been with Morgan Stanley and Morgan Stanley Private Bank N.A. since 2016. He is based in Santa Cruz, CA. Morgan Stanley Wealth Management serves individuals and institutional clients by providing a range of advisory programs, including customized financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs structured planning processes supported by firm-approved tools and models.

Kevin Newhouse is a Series 66-registered financial advisor with 16 years of industry experience. He currently works at OSAIC, having joined in 2024, and previously held positions at Securities America Advisors and Morgan Stanley Smith Barney. Outside of his advisory role, Newhouse serves as a commissioner on the Santa Cruz County Historic Resources Commission and is a steering committee member of the Aptos History Museum. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms. The firm provides integrated brokerage and investment advisory services, utilizing asset-allocation tools and third-party solutions to manage portfolios that may include various securities across discretionary and non-discretionary accounts.

Mark Rosenberg is a financial advisor with LPL Financial in Scotts Valley, CA, holding Series 63 and Series 65 credentials and 39 years of industry experience. He previously worked at Western International Securities, Inc. for eight years and Financial West Group for 21 years. In addition to his advisory role, he is a California Tax Education Council-registered tax preparer. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing model portfolios, research, and advanced technologies in its investment management.

Josiah Clymer is a financial advisor with Morgan Stanley in Santa Cruz, CA, holding a Series 66 credential and two years of industry experience. His background includes roles at Morgan Stanley Private Bank, CrowsNest Restaurant Group, and Starbucks Corporation. Morgan Stanley Wealth Management serves both individual and institutional clients by providing a wide range of advisory programs and tailored financial planning, utilizing structured discovery processes and advanced modeling tools to support client planning needs.

Brett Macauley is a financial advisor with Ameriprise in Santa Cruz, California, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2003. Outside of his advisory role, Macauley is involved in executive coaching for financial advisors and owns several consulting and management businesses. Ameriprise offers a retirement-income planning service tailored for clients approaching or in retirement with significant investable assets, providing detailed recommendation reports that incorporate tax-efficient strategies and Social Security options. The firm combines research, modeling, and algorithmic tools to support its advisory process and delivers a broad range of advisory, brokerage, and insurance solutions.

Olga Pappas is a financial advisor with Morgan Stanley in Santa Cruz, CA, holding a Series 66 designation and 22 years of industry experience. She has worked at Morgan Stanley Smith Barney since 2009 and previously at Citigroup Global Markets, Inc. since 2008. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through corporate agreements.

Kyle Coulter is a financial advisor with Morgan Stanley in Santa Cruz, CA, holding a Series 66 designation and nine years of industry experience. He has been with Morgan Stanley and its Private Bank division since 2016. Outside of his advisory role, he serves as a board member of the Watsonville Rotary Club. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a range of advisory programs and tailored financial planning to individuals and institutional clients, managing approximately $2.74 trillion in client assets. Their financial planning process utilizes structured discovery, proprietary tools, and modeling techniques, focusing on advisory services without providing individual security recommendations in standalone plans.

Jessica Locatelli is a financial advisor at Morgan Stanley with 14 years of industry experience. She holds a Series 66 designation and has worked with Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2011. Outside of her advisory role, she is involved with the Santa Cruz County Community Foundation and The Community Foundation of Santa Cruz County, serving on their advisory and finance committees. Additionally, she is associated with Boulder Creek Stables, a private horse boarding business. Morgan Stanley Wealth Management offers a range of advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s investment approach includes structured planning tools and utilizes market simulations to model outcomes.

Natalie Smith is a financial advisor at Osaic with four years of industry experience and holds a Series 66 designation. Her prior work includes roles at Securities America Advisors and Architectural Facades. Osaic Wealth, Inc. serves a diverse client base ranging from individual investors to corporations and charitable organizations through a wide network of financial advisers. The firm provides integrated brokerage and advisory services, utilizing asset-allocation tools and third-party platforms to construct and manage portfolios across various asset classes.

Juliana Cardinale is a financial advisor at Ameriprise with a Series 66 designation and one year of industry experience. Prior to joining Ameriprise, her background includes roles as a student and work experience outside the financial industry. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, with a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focusing on dependable income sources and tax-aware withdrawal strategies.

Kenneth Evans is a financial advisor at Morgan Stanley with two years of industry experience. He holds the Series 66 designation and previously worked in the cycling retail industry for several years. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and a wide range of advisory programs. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools to support its advisory process.

Wendi Eckardt is a financial advisor with Morgan Stanley in Santa Cruz, CA, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. She has been with Morgan Stanley since 2013. Outside of her advisory role, she serves as a FINRA arbitrator. 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. The firm manages approximately $2.74 trillion in client assets and utilizes a structured financial planning process supported by firm-approved tools and market models.

Kurt Grundner is a financial advisor at Edward Jones in Scotts Valley, CA, holding a Series 66 designation with one year of industry experience. His prior roles include self-employment from 2019 to 2024 and eight years at Scharf Investments. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a broad range of advisory programs, investment strategies, and affiliated financial products. The firm operates a large network of more than 23,700 advisors and 15,000 branch offices nationwide.