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.

Caitlin Luttrell is a financial advisor with Raymond James Financial in Los Gatos, CA, holding a Series 66 designation and bringing 10 years of industry experience. She has been with Raymond James Financial Services Advisors Inc. since 2016 and Raymond James Financial Services, Inc. since 2015. 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, pension plans, corporations, and institutional clients. The firm emphasizes tailored, non-discretionary planning and consulting using analytical tools and supports municipal and public-finance work through a municipal advisor affiliation.

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 designations and bringing 40 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 advisory services, he is a California Tax Education Council (CTEC)-Registered Tax Preparer who provides tax preparation and accounting services. 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 portfolios, third-party asset management, and institutional platforms, supported by technology tools and extensive non-advisory financial services.

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.

Jaden Gospich is a financial advisor at Raymond James Financial with a Series 66 credential and no prior industry experience. His background includes roles at Admit Ramaekers and Associates and Sachs Properties LLC, as well as educational experience at Pepperdine University and Bellarmine College Preparatory. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, institutions, and charitable organizations. The firm uses risk profiling and analytical tools to tailor recommendations and supports municipal and public-finance work through a municipal advisor affiliation.

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 at Morgan Stanley in Santa Cruz, CA, holding a Series 66 designation with 22 years of industry experience. She has worked at Morgan Stanley and its affiliated entities since 2004, including a brief tenure at Citigroup Global Markets. Morgan Stanley Wealth Management provides advisory programs to both individual and institutional clients, offering comprehensive financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and delivers services through a range of investment and planning strategies.

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.

Philip Drews is a financial advisor with Wells Fargo Clearing in San Jose, CA, holding Series 63 and Series 66 licenses and bringing 13 years of industry experience. He previously worked at J.P. Morgan Securities and JPMORGAN Chase Bank, where he spent over a decade before joining Wells Fargo Clearing in 2022. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm's advisory process is IPS-driven and grounded in modern portfolio theory, with investment options that include insurance-related vehicles and bank deposit sweep options.

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, she worked briefly in the hospitality sector and was a student for several years. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning with a focus on dependable income sources and tax-aware withdrawal strategies. The firm’s retirement planning service utilizes proprietary research, third-party data, and algorithmic tools to deliver tailored recommendations within a defined investment universe.

Kenneth Evans is a financial advisor at Morgan Stanley in Santa Cruz, CA, holding a Series 66 designation with two years of industry experience. Prior to joining Morgan Stanley, he worked for Epicenter Cycling and The Bike Shop. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individual and institutional clients, managing approximately $2.74 trillion in assets and employing structured planning tools such as Monte Carlo simulations and Secular Return Estimates.

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.

Casey Flom is a financial advisor with LPL Financial in Santa Cruz, CA, holding a Series 66 designation and two years of industry experience. Prior to joining LPL Financial and BMO Bank NA in 2026, Flom worked at Edward Jones for three years. He is also the owner of Redwood Original, LLC, a business consulting firm where he assists clients with business process reviews and performs various odd jobs. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers diverse advisory and brokerage services that include financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Angelina Mcclellan is a Series 66 licensed financial advisor with Morgan Stanley in Santa Cruz, CA, where she has worked for 14 years since 2011. She serves as a trustee for multiple trusts. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutions, offering tailored financial planning supported by firm-approved tools and strategies. The firm manages approximately $2.74 trillion in client assets and delivers both direct and employer-sponsored financial planning services.

Antonio Da Roza is a Private Wealth Advisor at Merrill Private Wealth Management. He leads a strategic process aimed at making work optional for clients by applying his expertise to advance their financial interests, restore free time, and promote satisfaction. Antonio began his career in financial services in 1989. He has worked extensively with entrepreneurs, corporate executives, and their top employees, focusing on areas such as corporate executive services, family wealth management strategies, legacy planning, and managing new wealth. Prior to his current role, he was a director in the Private Wealth Management Division at Morgan Stanley Smith Barney and its predecessors. He holds a Bachelor of Science degree in Finance and Banking from San Francisco State University and the Certified Investment Management Analyst (CIMA) designation from the Investments & Wealth Institute. Antonio resides in Hillsborough, California, with his wife and two daughters, and enjoys golfing, skiing, surfing, and tennis.