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® certificant with nine years of industry experience, currently serving as a financial advisor at Edward Jones since 2017. Prior to joining Edward Jones, he worked at Reach Professional Tutoring for one year. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, managing approximately $1.01 trillion in assets.

Jesus Gutierrez Chavez is a financial advisor at Ameriprise with six years of industry experience. He holds a Series 66 designation and has previously worked at firms including Wells Fargo Clearing, Fidelity Investments, and Charles Schwab. Ameriprise Financial Services is a diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides clients with written recommendation reports and ongoing annual retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Sonal Tiwari is a Planning Consultant at Fidelity Investments, a position she has held since 2026. In this role, she focuses on assisting clients with comprehensive planning by understanding their unique situations and goals. Prior to this, she served as a Relationship Manager at Fidelity Investments from 2025 to 2026, a Client Service Associate at UBS from 2024 to 2025, and a Wealth Management Client Associate at Merrill Lynch from 2022 to 2023. She also held the position of Multi Unit Team Leader at H&R Block in 2020. Sonal holds a California Insurance License, which supports her expertise in providing financial planning and insurance solutions. Outside of her professional work, she enjoys cooking and baking, spending time with her family, listening to music, reading, and traveling.

Jack Chen is a financial advisor at Charles Schwab with a Series 66 designation and two years of industry experience. His prior work includes roles at East West Bank and Charles Schwab Bank. He also spent several years in full-time education before entering the financial services field. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers both non-discretionary and discretionary investment options, utilizing multi-asset model portfolios and alternative investment due diligence within an integrated, large-scale operational structure.

Daniel Williamson is a financial advisor with Charles Schwab in Los Gatos, CA, holding Series 63 and Series 66 licenses and 18 years of industry experience. He has worked at Charles Schwab and Charles Schwab Bank since 2012 and was previously with Fidelity from 2010 to 2012. 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, utilizing multi-asset model portfolios and a formal alternative investment program.

Brooke Haskins is a financial advisor with OSAIC in Capitola, CA, holding Series 63 and Series 66 licenses and bringing 29 years of industry experience. She previously worked at Securities America Advisors, Inc. and Securities America, Inc. for over 16 years. Outside her advisory role, she serves as a board member for the art program at the Washington Union School District, participating in decisions and volunteer activities related to the program. OSAIC serves a broad range of clients, including individual investors, retirement plan sponsors, charities, and corporate clients, offering brokerage and advisory services through diverse programs and a multi-advisor platform. The firm emphasizes model-based asset allocation and portfolio optimization, supporting discretionary and advisor-managed strategies across multiple custodial and legacy program arrangements.

Dedrick Rhone is a financial advisor at Morgan Stanley with 11 years of industry experience. He holds the Series 66 designation and has been with Morgan Stanley Smith Barney LLC since 2015 and Morgan Stanley Private Bank, National Association since 2016. Rhone serves on the board of Hidden Villa, a non-profit organization in Los Altos, California. Morgan Stanley Wealth Management provides advisory programs and financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in client assets through a structured planning process supported by firm-approved tools.

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.

Sneh Jolly is a financial advisor at Osaic with 11 years of industry experience. She holds Series 63 and Series 65 licenses. Her prior experience includes roles at Wells Fargo Clearing and Wells Fargo Bank, N.A., as well as Securities America Advisors. Outside of her advisory role, she operates an LLC dedicated to proprietary trading of her personal capital. Osaic Wealth serves a diverse client base, including retail and institutional investors, through a multi-advisor platform offering brokerage and advisory services. The firm emphasizes model-based asset allocation and portfolio optimization, supporting a range of investment strategies and third-party manager options.

Jon Johiro is a financial advisor with Cetera who holds Series 63 and Series 65 licenses and has 33 years of industry experience. His prior firms include First Allied Advisory Services and First Allied Securities, where he worked for a combined 28 years. Outside of his advisory role, he is an owner and general manager of Kiferline, LLC, a commercial real estate business. Cetera Investment Advisers LLC is an SEC-registered advisor serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through a large network of independent advisors and employs a multi-manager platform with options ranging from model portfolios to bespoke strategies.

Paul Peterson is a financial advisor at J.P. Morgan Securities with 27 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at JPMorgan Chase Bank, N.A. and TD Ameritrade Investment Management. He is based in Los Gatos, CA. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research supported by a centralized due diligence team and incorporates ESG criteria and broad derivatives capabilities.

David Briones is a financial advisor at Merrill with Series 63 and Series 66 licenses and four years of industry experience. His prior roles include positions at Bank of America, U.S. Bancorp Investments, and U.S. Bank. Outside of his advisory work, he serves as an assistant basketball coach at Saint Andrew's Episcopal School. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using a variety of model-based and discretionary investment strategies.

Ian Mc Collam is a financial advisor at UBS Financial Services in Los Gatos, CA, holding a Series 66 designation with five years of industry experience. His prior work includes roles at UBS Group AG, Swenson Builders Inc., Golden State Activewear, and the University of Colorado at Boulder. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm’s advisory network employs proprietary capital market assumptions and research to tailor financial plans and portfolio management to clients’ goals and risk tolerances.

Molly Newborn is a financial advisor at LPL Financial with 10 years of industry experience. She holds the Series 66 designation and has worked previously at Bank of America, Merrill, and Morgan Stanley. Outside of her advisory role, she works as an independent contractor in editing and also engages in portrait modeling. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions, offering a range of advisory and brokerage services including financial planning, third-party asset management, and institutional platforms.

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 Aslan is a financial advisor with Morgan Stanley in Los Gatos, California, holding Series 63 and Series 65 licenses and 28 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2020, and previously spent eight years at UBS Financial Services. Outside of his advisory role, he is involved in property management as a sole proprietor of a rental property business. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs. The firm emphasizes tailored financial planning through structured discovery conversations and proprietary tools, managing approximately $2.74 trillion in client assets.

Kelly Kesden is a financial advisor at Morgan Stanley with 19 years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley since 2018, previously employed by Bank of America and Merrill from 2014 to 2018. Kelly is based in Los Gatos, California. 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, including tailored financial planning supported by structured discovery processes and firm-approved tools.