Mary Bellizzi is a financial advisor with Thrivent Investment Management, holding a Series 66 designation and 22 years of industry experience. She has been with Thrivent Financial for Lutherans and Thrivent Investment Management since 2003. Outside of her advisory role, she is involved in small group medical insurance and rents a room in her home. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm offers holistic, goal-based planning focused on a broad range of financial topics, with planning services delivered separately from portfolio management.

Tristan Kass is a financial advisor at Morgan Stanley with 18 years of industry experience. He holds the Series 66 designation and has been with Morgan Stanley Private Bank, N.A. since 2015, also serving at Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, including tailored financial planning services supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers both direct client plans and Corporate Financial Planning agreements.

Ivor Thomas is a financial advisor with Edward Jones in Scotts Valley, CA, holding a Series 66 designation and 11 years of industry experience. He has been with Edward Jones since 2015. 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 large nationwide network of financial advisors and branch offices.

Joseph Winslow is a financial advisor with LPL Financial who holds a Series 63 designation and has 36 years of industry experience. He worked for over 28 years at Link Allen and Associates, Securian Financial Services, Inc., and Minnesota Life Insurance Co before joining LPL Financial in 2020. Outside of advisory services, he is involved as an insurance agent and is active with a corporate business entity for tax and investment purposes. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of investment solutions including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by advanced operational and research tools.

Jason Braley is a CFP® with 20 years of industry experience, currently serving as a financial advisor at Osaic. Prior to joining Osaic, he worked at Securities America Advisors and Foothill Securities, Inc. He is a managing partner of a holding company that acquired a building intended to become his office location. Osaic Wealth serves a wide range of retail and institutional clients, offering brokerage and advisory services through a multi-advisor platform that includes financial planning, managed portfolios, and retirement plan consulting. The firm emphasizes model-based asset allocation and portfolio optimization, supporting advisors with discretionary strategies, third-party managers, and proprietary investment models.

Carmen Irving is a financial advisor at Edward Jones in Scotts Valley, CA. She holds a Series 66 designation and has experience working at Edward Jones since 2024, with prior roles at Pacific Home Design and SJ Kellerman & Associates. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including both high-net-worth and non-high-net-worth households. The firm offers a range of investment advisory programs and maintains a large nationwide network of financial advisors and branch offices.

Lisa Rosenau is a financial advisor with Ameriprise in Aptos, California, holding Series 63 and Series 66 licenses and bringing 37 years of industry experience. She has been with Ameriprise and its affiliated entities since 2012. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement who meet specific eligibility criteria, providing comprehensive written Recommendation Reports addressing income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis with algorithmic automation to deliver tailored retirement income recommendations.

Monica Carney is a Series 66 licensed financial advisor with Morgan Stanley in Santa Cruz, California, and has 18 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a variety of advisory programs that include tailored financial planning supported by firm-approved tools and comprehensive asset management.

Valeriia Salazar is a financial advisor at LPL Financial with four years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at Raymond James Financial Services and Juran Wealth Management. Outside of her advisory role, she is involved in a catering business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms with advisory services delivered primarily through a large network of investment adviser representatives.

Jon Hanson is a financial advisor at Morgan Stanley with 8 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley since 2017, following a one-year tenure at Lakin Spears LLP. He is based in Santa Cruz, CA. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs and utilizes structured financial planning tools as part of its process.

Robert Sheely is a financial advisor with Morgan Stanley in Santa Cruz, CA, holding Series 63 and Series 66 licenses with 27 years of industry experience. His career includes roles at J.P. Morgan Securities and Morgan Stanley Private Bank. 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 supported by firm-approved tools and market models, managing approximately $2.74 trillion in client assets.

Christine Mcbroom is a financial advisor with Raymond James Financial Services Advisors, Inc., holding a Series 66 designation and 18 years of industry experience. She has been with Raymond James since 2016 and previously worked with the City of Capitola from 2013 to 2017. Outside of her advisory role, she serves as Board President and Finance Committee Chair at Santa Cruz Montessori, contributing to the financial oversight of the nonprofit school. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, pension plans, corporations, and institutional investors. The firm emphasizes tailored, non-discretionary planning and supports municipal and public-finance work through its affiliation with a municipal advisor.

Alison McClure is a financial advisor at Cetera with 26 years of industry experience. She holds the Series 63 and Series 65 designations and has previously worked at J.P. Morgan Securities. McClure is the owner of Ohana Wealth Management and contributes as an author to a book titled *Shattering the Silence*. Cetera Investment Advisers LLC serves a broad client base including individuals, employer-sponsored retirement plans, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through a multi-manager platform, with over 10,000 advisors and approximately $256 billion in assets under management.

Daniel Hernandez is a CFP®-certified financial advisor with five years of industry experience. He is currently with Charles Schwab and has prior experience at Fidelity Investments and Northwestern Mutual. Outside of his advisory roles, he was involved with TOCA Football in 2020. Charles Schwab & Co., Inc. serves a large client base of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed accounts. The firm offers both non-discretionary and discretionary investment management services using multi-asset model portfolios, supported by centralized supervisory and custody arrangements.

Trevor Owen is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. He holds Series 63 and Series 66 licenses and has worked exclusively within various J.P. Morgan entities since 2014. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process integrates quantitative and qualitative due diligence and may include ESG considerations, with implementation support provided by affiliated investment-management entities.

Scott Tucker is a financial advisor with Morgan Stanley in Santa Cruz, CA, holding a Series 66 credential and four years of industry experience. Prior to joining Morgan Stanley, he worked in the automotive sector at Dell Exotic Auto Works and Borelli Motorsports. He has also been affiliated with DeAnza College since 2011. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer managing approximately $2.74 trillion in client assets. The firm provides a wide range of advisory programs and tailored financial planning services to both individual and institutional clients.

Thomas Walsh is a financial advisor at Raymond James Financial with 35 years of industry experience. He has held roles at Raymond James Financial Services, Inc. since 1992 and at Raymond James Financial since 2009. Walsh holds a Series 63 designation and is based in Capitola, California. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients. The firm offers tailored non-discretionary planning using risk profiling and modeling tools and supports its recommendations through various advisory programs and partnerships.

Matthew Pfeifer is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. He holds a Series 66 license and has worked at J.P. Morgan Chase Bank and J.P. Morgan Securities since 2019, following prior roles at Wells Fargo Clearing and Morgan Stanley. Outside of his advisory work, he owns a photography business called MGP Imagery. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments through a select group of Wealth Advisors. The firm offers non-discretionary, written asset allocation advice and customized performance reporting, supported by centralized due diligence and a combination of quantitative and qualitative research.