Matthew Zepeda is a financial advisor at Morgan Stanley in Santa Cruz, CA, holding a Series 66 designation with four years of industry experience. His work history includes roles at Morgan Stanley Private Bank and Newmark Knight Frank, as well as experience at Loyola Marymount University. Outside of advisory work, he is involved with CRBN Pickleball as an ambassador. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, offering tailored financial planning through its network of Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools and models.

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.

Justin Hannah is a financial advisor at Primerica Advisors with 20 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Primerica Advisors and Primerica Financial Services since 2006. Outside of his advisory role, he is self-employed as a handyman. Primerica Advisors sponsors a wrap-fee asset management program serving individual investors, as well as corporate and charitable clients. The firm utilizes model-delivery investment strategies managed by unaffiliated asset managers and offers portfolio services supported by BNY Mellon Advisors and Pershing for trade execution and custody.

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 and holds a Series 63 designation. She has 26 years of experience in the industry and has been with Cambridge since 2016. Outside of her advisory role, she serves as a volunteer director for the Santa Cruz Surfing Preservation Society. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension plans, and charitable organizations, offering financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals.

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 and Investment Planning Group. Cavin is also involved in a fixed annuity business through Pacific Life Insurance Company. OSAIC serves a diverse client base ranging from individual investors to institutions, offering integrated brokerage and advisory services with a focus on portfolio construction using firm-provided tools, third-party managers, and a variety of investment options.

Karl James Thoeni is a financial advisor with LPL Financial in Gilroy, CA, holding a Series 66 designation and 12 years of industry experience. He has been with LPL Financial since 2012. Outside of his advisory role, he is involved in a small business focused on sharpening knives and tools. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by proprietary and third-party research.

Melissa Sterling is a financial advisor at Edward Jones with eight years of industry experience. She holds a Series 66 designation and has worked with Edward Jones since 2017, with prior experience at Firefly Ink and the Southern Illinois Healthcare Foundation. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory strategies, including both discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds.

Rick Boynton is a financial advisor with OSAIC, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has worked with Securities America Advisors, Inc. and SECURITIES AMERICA, Inc. for 15 years prior to joining OSAIC. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, financial planning, retirement plan consulting, and access to third-party money managers and wrap programs.

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 credentials and 24 years of industry experience. He has been with LPL Financial since 2010. Outside of his advisory role, he acts in a fiduciary capacity for the Florence G P Smith Trust. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a variety of advisory programs, financial planning, and retirement plan consulting, utilizing discretionary and non-discretionary management supported by in-house and third-party research.

Luann Lauesen is a financial advisor with Edward Jones in Watsonville, CA, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience, all with her current firm since 2003. Outside of her advisory role, she is a partner in Heights Market Partnership, which manages a property related to a former grocery store owned by the partnership. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, with approximately $1.01 trillion in assets under management. The firm offers a broad range of investment strategies and affiliated services through a large national network of advisors and branch offices.

Jacqueline Carrillo is a financial advisor at LPL Financial with 12 years of industry experience. She holds a Series 66 designation and has worked at RBC Capital Markets, Edward Jones, and Bay Federal Credit Union. Her current roles include advising at both LPL Financial and Bay Federal Credit Union. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm provides a range of advisory programs, financial planning, and retirement consulting, utilizing model portfolios and research from multiple sources.

Ruth Freitas is a financial advisor at LPL Financial with 19 years of industry experience. She holds Series 63 and Series 65 designations and has worked at BancWest Investment Services and Bank of the West since 2008. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a nationwide network of advisors. The firm offers a range of advisory programs, financial planning, and retirement consulting with access to model portfolios, research, and technology-driven investment solutions.

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. He has worked at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets. Dean serves on the boards of the Boys & Girls Club of Santa Cruz and the Odd Fellows Cemetery & Mortuary. Morgan Stanley Wealth Management provides a range of advisory programs and financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm uses structured planning tools and investment models to support its advisory offerings.

Stefan Webster is a financial advisor with J.P. Morgan Securities in Santa Cruz, CA, holding Series 63 and Series 66 licenses. He has five years of industry experience, including prior service at JPMORGAN Chase Bank and nearly a decade working for the City of Los Angeles. J.P. Morgan Securities LLC offers investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and incorporates an ESG eligibility framework when making investment recommendations.

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.