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.

Megan Edwards is a financial advisor with LPL Financial in Los Gatos, CA, holding a Series 66 designation and 18 years of industry experience. She has been with LPL Financial since 2009 and also operates Ivy Financial Planning & Associates, LLC. Outside of her advisory role, she serves as an assistant JV softball coach at Los Gatos High School. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base that includes individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers various advisory programs, financial planning, and retirement plan consulting, utilizing research and model portfolios from LPL Research and third-party subadvisors.

Glenn Nagamine is a financial advisor at Osaic with 11 years of industry experience. He holds a Series 66 designation and previously worked at Lincoln Financial Securities Corporation, The O. N. Equity Sales Company, and Ohio National Financial Services. Nagamine also operates a sole proprietorship offering fixed disability insurance, indexed annuities, long-term care, and life insurance products. Osaic Wealth, Inc. serves a diverse range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage, advisory services, financial planning, and access to third-party money managers. The firm employs asset-allocation tools and automated rebalancing to construct diversified portfolios and supports various advisory platforms and legacy account transitions.

Alan Gale is a financial advisor at Edward Jones in Scotts Valley, CA, with seven years of industry experience. He joined Edward Jones in 2018 after working three years at Cisco Systems, Inc. Outside of his advisory work, Gale is the lead vocalist and lead guitarist for a local rock band in Ben Lomond, CA. Edward Jones is a full-service wealth management firm serving individual and institutional clients, with over $1 trillion in assets under management and a nationwide network of more than 23,000 financial advisors. The firm offers a range of advisory programs and investment strategies, including discretionary and non-discretionary wrap fee solutions, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Fabiola Morales is a financial advisor with J.P. Morgan Securities in Capitola, California, holding Series 63 and Series 66 credentials and 16 years of industry experience. She has worked at JP Morgan Chase Bank, NA, and J.P. Morgan Securities since 2012. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

Erik Hanson is a financial advisor at Morgan Stanley with 23 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley and its affiliated entities since 2007. Outside of his advisory role, he serves on the advisory board of Music in May, a local classical music event supporting schools, nonprofits, and underprivileged children in the Santa Cruz area. Morgan Stanley Wealth Management provides a wide range of advisory programs and financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s approach includes structured planning conversations and proprietary analytical tools, serving clients through both direct and corporate financial planning agreements.

John Howard is a financial advisor with Morgan Stanley in Santa Cruz, CA, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has been with Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Outside of his advisory work, he is involved in managing several real estate ventures as a sole proprietor and partner. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers comprehensive financial planning supported by firm-approved tools and a structured discovery process, managing approximately $2.74 trillion in client assets.

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 with Primerica Advisors in Watsonville, CA, holding Series 63 and Series 65 licenses and 19 years of industry experience. He has worked at Primerica Advisors and Primerica Financial Services since 2006 and has prior experience in engineering and home improvement sectors. Outside of advising, he is self-employed as a handyman. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed accounts. The firm curates third-party asset managers and uses a tiered wrap-fee structure for its services.

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 in Scotts Valley, CA, holding a Series 66 designation with one year of industry experience. Prior to joining Raymond James, he held various roles including an associate position at Earthrise Financial, where he supported equity research and client communications. His background includes experience with multiple firms and non-investment roles. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, and institutional entities. The firm emphasizes non-discretionary financial planning and investment consulting, offering tailored recommendations supported by extensive firm research and a broad affiliate network.

Heather Stiles is a financial advisor at Raymond James Financial with 45 years of industry experience. She holds a Series 63 designation and has been affiliated with Raymond James Financial Services, Inc. since 1992. In addition to her advisory role, she serves as secretary and treasurer of a concierge wealth management company affiliated with Raymond James Financial Services. Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to individual and high-net-worth investors, pension and profit-sharing plans, charitable organizations, and government entities. The firm offers tailored, primarily non-discretionary advisory services and features specialized programs such as the SIMPLE IRA Employer Advisory & Consulting Services for small businesses.

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.

Melissa Sterling is a financial advisor with Edward Jones in Capitola, CA, holding a Series 66 designation and eight years of industry experience. She has been with Edward Jones since 2017, with prior roles including positions at Firefly Ink and Southern Illinois Healthcare Foundation. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment options supported by a large network of financial advisors and branches nationwide.

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.