Nikolas Barr is a financial advisor at Morgan Stanley with 18 years of industry experience. He holds a Series 66 license and has been with Morgan Stanley and its affiliated entities since 2009. Outside of his advisory role, he is employed by Peninsula Sports, Inc. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers tailored financial planning and a wide range of advisory programs supported by structured discovery tools and modeling techniques.

Kris Schilperoort is a financial advisor at Edward Jones with 20 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Edward Jones since 2018. His prior experience includes five years at Waddell & Reed, Inc. Schilperoort has interests in oil and gas royalties and rental income through various entities. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and operates a nationwide network of financial advisors and branch offices.

Sebastian Henshaw is a financial advisor at Raymond James Financial with one year of industry experience. He holds a Series 66 designation and supports client services as a Registered Sales Assistant, assisting with equity research and client communications. Prior to joining Raymond James, he has held various roles including positions at Kevin L. Mize, CFP®, and other firms. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base that includes individuals, high-net-worth clients, corporations, and institutions. The firm offers tailored, non-discretionary planning and utilizes analytical tools to support client goals, with notable programs in municipal advising and SIMPLE IRA employer consulting.

Heather Stiles is a financial advisor with Raymond James Financial who holds a Series 63 designation and has 45 years of industry experience. She has been with Raymond James Financial Services, Inc. since 1992 and currently serves as Secretary and Treasurer of a concierge wealth management company affiliated with the firm. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a broad client base that includes individuals, high-net-worth clients, corporations, pension and profit-sharing plans, charitable organizations, and institutional clients. The firm offers tailored, non-discretionary planning and uses analytical tools such as risk profiling and probability modeling to support client goals.

Jane Mckenzie is a financial advisor with Cambridge Investment Research Advisors, holding a Series 63 designation and 26 years of industry experience. Her prior work history includes roles at Morgan Stanley, Citigroup Global Markets, Protected Investors of America, and A. G. Edwards & Sons. Outside of her advisory work, she serves as a director and volunteer for the Santa Cruz Surfing Preservation Society. Cambridge Investment Research Advisors serves individual and institutional clients, including pension and charitable organizations, by offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm manages a multi-billion dollar asset base through thousands of financial professionals and provides a range of platform and third-party advisory services.

Brandyn Cavin is a financial advisor at OSAIC with 24 years of industry experience. He holds the CFP® and ChFC® designations and has worked at firms including Securities America Advisors, Mercer Advisors, and Foothill Securities. Cavin is also involved in a fixed annuity business through Pacific Life Insurance Company. OSAIC serves a diverse range of retail and institutional clients, offering brokerage and advisory services through a multi-advisor platform. The firm utilizes model-based asset allocation and portfolio optimization tools, supports discretionary management, and provides access to alternative investments via third-party platforms.

Melissa Sterling is a financial advisor with Edward Jones in Capitola, CA, holding a Series 66 designation and nine years of industry experience. She has been with Edward Jones since 2017, with a brief period working at Firefly Ink and Southern Illinois Healthcare Foundation prior to that. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including households of varying net worth, pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets under management and offers a range of advisory services, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds under a fiduciary standard.

Rick Boynton is a financial advisor with OSAIC in Scotts Valley, CA, holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. His career includes 15 years with Securities America Advisors, Inc. and prior roles at Brecek & Young Advisors, VOYA Financial Advisors, and Valic Financial Advisors. OSAIC serves a diverse clientele including individual investors, retirement plan sponsors, charities, and corporations through a multi-advisor platform offering brokerage and advisory services. The firm employs a model-based investment approach with tools for asset allocation, portfolio optimization, and offers various managed account programs and third-party manager options.

Julius Freeman is a financial advisor at Fidelity with nine years of industry experience. His prior roles include positions at Merrill, Bank of America, JP Morgan, and Wells Fargo. Outside of his advisory work, he is the owner and operator of Sole Surf LLC, a business focused on buying and reselling sports merchandise. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is notable for its advisory roles to registered investment companies and the use of systematic methodologies and AI in portfolio management.

Brian Cooke is a financial advisor with LPL Financial in Capitola, CA, holding Series 63 and Series 66 registrations and 24 years of industry experience. He has worked at LPL Financial since 2010 and previously spent three years with Edward Jones. Cooke also acts in a fiduciary capacity for a family trust. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by a network of over 22,800 advisors and sophisticated operational tools.

Katherine Phillips is a financial advisor at Edward Jones with two years of industry experience. She holds the Series 66 designation and previously operated Katherine Phillips - Editing Services for 14 years. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and corporate accounts. The firm offers a range of advisory programs and investment strategies, managing approximately $1.01 trillion in assets with a large nationwide network of financial advisors and branch offices.

Peter Dean is a financial advisor with Morgan Stanley in Santa Cruz, CA, holding a Series 63 designation and 42 years of industry experience. His career includes long tenures across various Morgan Stanley entities since 1997 and a brief period at Citigroup Global Markets. He serves on the boards of the Boys & Girls Club of Santa Cruz and the Odd Fellows Cemetery & Mortuary. Morgan Stanley Wealth Management offers a wide range of advisory programs to both individual and institutional clients, focusing on tailored financial planning supported by structured tools and analysis. The firm manages approximately $2.74 trillion in client assets and provides services through a combination of advisory and brokerage capabilities.

Stefan Webster is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and five years of industry experience. He has been with J.P. Morgan Securities and JPMORGAN Chase Bank since 2021, and previously worked for the City of Los Angeles for nine years. 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 written asset allocation advice, investment manager searches, and customized performance reporting. The firm combines quantitative and qualitative research to support its recommendations, which may include ESG considerations and leverage broader derivatives and commodities capabilities.

Romeo Margot Picquendar is a Wealth Management Advisor with Merrill Lynch Wealth Management. In this role, Romeo provides affluent clients with personalized investment strategies that address a broad range of financial needs, including investment planning, retirement and estate planning, college planning, and asset and liability management. By collaborating closely with a team of Merrill specialists, Romeo delivers customized financial recommendations aimed at helping clients make informed decisions aligned with their evolving market conditions and personal circumstances. Romeo began a career in finance after earning a Bachelor's Degree from the University of Maryland. Romeo holds the designation of CERTIFIED FINANCIAL PLANNER (CFP) and the Personal Investment Advisor (PIA) credential, demonstrating professional expertise in comprehensive financial planning and investment advisory services. Committed to community involvement, Romeo embraces the Merrill tradition of volunteering and engaging with local organizations. This dedication reflects a broader philosophy of working collaboratively one-on-one with clients to develop tailored financial strategies designed to support their long-term goals.

Sabin Alibrandi is a CFP® professional with over 21 years of industry experience, currently serving as an advisor at OSAIC since 2024. His previous experience includes roles at Securities America Advisors and Cetera Advisors LLC. Outside of his advisory duties, he serves as treasurer for Santa Cruz County Lacrosse, a volunteer board position. OSAIC is a multi-advisor platform serving retail and institutional clients with a range of brokerage and advisory services, emphasizing model-based asset allocation and portfolio optimization through diverse programs and third-party manager options.

Kevin Mize is a CFP® with 39 years of industry experience, currently affiliated with Raymond James Financial Services Advisors, Inc. He previously spent 15 years at Morgan Stanley in various capacities, including nine years with Morgan Stanley Private Bank. Outside of advisory work, he owns Earthrise Real Estate, LLC, which holds a building intended as the future site of his Raymond James branch. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, institutions, and charitable organizations. The firm offers tailored, non-discretionary planning and supports municipal and public-finance work through unique affiliations.

Roger Evans is a financial advisor at Morgan Stanley with 12 years of industry experience. He has been with Morgan Stanley since 2013 and has worked with the Morgan Stanley Private Bank, National Association since 2015. He holds the Series 66 designation. 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 structured discovery processes and firm-approved tools to support client planning needs.

Samineh Shaeghi is a CFP® professional with 15 years of industry experience, currently serving at LPL Financial since 2023. Her prior experience includes nine years at Bancwest Investment Services, Inc. and two years at Fidelity. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides a range of advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm supports over 22,900 advisors and manages more than $819 billion in discretionary assets, offering customizable investment strategies and multiple non-advisory financial services.

Trevor Strudley is a CFP® with 13 years of industry experience, currently affiliated with Raymond James Financial Services Advisors, Inc. He serves as a board member and finance committee member of the Cabrillo College Foundation and is the author of *Tech Success: How Technology Executives and their Families Manage Meaningful Wealth*. He is also CEO of Stiles-Strudley Inc., a concierge wealth management services company affiliated with Raymond James. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individual and high-net-worth clients, institutions, and charitable organizations. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports municipal and public finance work through a unique affiliation with a municipal advisor.

Ryan Bennett is a financial advisor with Edward Jones in Capitola, CA, holding a Series 66 designation and 12 years of industry experience. He has been with Edward Jones since 2013. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of discretionary and non-discretionary investment strategies supported by a nationwide network of approximately 23,701 advisors. The firm manages around $1.01 trillion in assets under management and provides services including tax-efficient strategies and access to affiliated mutual funds.