Valeriia Salazar is a financial advisor with LPL Financial and holds Series 63 and Series 66 licenses. She has four years of industry experience, including prior roles at Raymond James Financial Services and Juran Wealth Management. Outside of her advisory work, Salazar operates a catering business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, and institutions. The firm offers various advisory programs, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management supported by research and multiple portfolio strategies.

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.

Jessica Levan is a Certified Financial Planner (CFP®) with 17 years of industry experience. She has worked with J.P. Morgan Securities and JP Morgan Chase Bank, N.A. since 2013. Based in Morgan Hill, CA, she holds a Series 66 license. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors. The firm offers asset allocation advice, investment manager and fund searches, and customized performance reporting, combining large institutional advisory operations with broker-dealer and investment adviser registrations.

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.

Marisa Otto is a CFP®-credentialed financial advisor with Edward Jones, based in Morgan Hill, CA. She has 23 years of industry experience and has been with Edward Jones since 2002. Outside of her advisory role, she serves as a board member and scholarship committee member for the Rotary Club of San Jose East/Evergreen. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions supported by a nationwide network of more than 23,700 financial advisors and 15,000 branch offices.

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 four years of industry experience, currently with Charles Schwab. His prior experience includes roles at Fidelity Investments and Northwestern Mutual. Outside of finance, Hernandez has been involved with TOCA Football and La Costa Mariscos. Charles Schwab & Co., Inc. 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 combines non-discretionary advisory relationships with access to affiliated discretionary SMAs and offers a multi-asset model portfolio approach supported by centralized custody and operational infrastructure.

Eric Costello is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has been with Raymond James since 2013. Outside of his advisory role, he is the owner and manager of Costello Wealth Strategies Inc. and is involved in a private investment in Integrity Wines, LLC. 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 offers tailored non-discretionary planning and analytical tools and supports clients through advisory programs, municipal finance services, and specialized retirement plan consulting.

Kimberly Gaxiola is a CFP®-certified financial advisor with 27 years of industry experience, currently practicing at Cambridge Investment Research Advisors. She has been with Cambridge since 2010. Outside of advisory work, she is involved as a board member of Informed Choices and owns a consulting business. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through independent Financial Professionals, utilizing a range of portfolio management strategies and custody platforms tailored to client objectives.

Anusha Sapharu is a financial advisor at Edward Jones with seven years of industry experience. Prior to joining Edward Jones in 2024, she worked at Bank of America/Merrill Lynch and J.P. Morgan Securities LLC. She also has experience in the energy sector with Doosan Power Systems Americas LLC. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, supported by a large nationwide network of financial advisors and branch offices.

Victor Gaxiola is a financial advisor with Cambridge Investment Research Advisors, holding Series 65 and Series 66 licenses and possessing 13 years of industry experience. He has worked at Cambridge since 2019 and has prior experience with firms including Lirio LLC and Hearsay Systems. Outside of his advisory role, he serves as a director managing curriculum for students at Leadership Morgan Hill and acts as a council member providing consulting and coaching for Gerson Lehrman Group, Inc. Cambridge Investment Research Advisors is an SEC-registered firm serving a diverse client base, including individuals, pension plans, charitable organizations, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement advisory services through a network of independent advisors, utilizing a range of portfolio management strategies and platform arrangements tailored to client objectives.

Trevor Owen is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. He holds Series 63 and Series 66 licenses and has worked exclusively within various divisions of J.P. Morgan since 2014. J.P. Morgan Securities LLC provides institutional consulting services to clients such as corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with broker-dealer, investment adviser, and commodity futures registrations.

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 with J.P. Morgan Securities in Santa Cruz, CA, holding a Series 66 credential and bringing 11 years of industry experience. He previously worked at Wells Fargo Clearing and Wells Fargo Advisors before joining J.P. Morgan in 2019. Outside of his advisory role, he owns MGP Imagery, a photography business. J.P. Morgan Securities primarily serves institutional clients and retirement plan sponsors, providing investment consulting and advisory services that include asset allocation, investment manager searches, and customized performance reporting through a non-discretionary approach.