Christopher George is a financial advisor with Primerica Advisors in Watsonville, CA, holding Series 63 and Series 65 credentials and 25 years of industry experience. He has been with Primerica Advisors since 2000 and Primerica Financial Services since 1999. Outside of his advisory role, George serves on the leadership team providing pastoral support at Corralito's Community Church in Watsonville. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, which includes model-delivery strategies and a limited number of separately managed account options for individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap-fee structure, delegating trading responsibilities to BNY Mellon Advisors.

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 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.

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.

Chris Mccrary is a financial advisor at Wells Fargo Advisors with 33 years of industry experience. He holds the Series 63 and Series 65 designations and has been with Wells Fargo Advisors since 2013. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services, including niche areas such as business-owner transition planning and special-needs analysis, using proprietary research and planning tools to develop tailored recommendations.

Tianyi Hao is a financial advisor with J.P. Morgan Securities in San Jose, CA, holding Series 63 and Series 66 credentials and seven years of industry experience. Prior to joining J.P. Morgan Securities LLC in 2022, Hao worked at Cathay Rock Investment Management and had multiple roles within the JPMorgan Chase organization dating back to 2018. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering asset-allocation advice and customized performance reporting through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and incorporates an ESG eligibility framework in its recommendations.

Christine Mcbroom is a financial advisor with Raymond James Financial, holding a Series 66 credential and 18 years of industry experience. She has worked with Raymond James Financial Services Advisors Inc. and Raymond James Financial Services Inc. since 2016. Mcbroom serves as board president and finance committee chair for Santa Cruz Montessori. 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 state and municipal government entities. The firm offers tailored, primarily non-discretionary advisory services and supports public finance through its affiliation with Raymond James’ Public Financing department.

Alison Mcclure is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. Her prior roles include positions at J.P. Morgan Securities and Ohana Wealth Management, where she is also the owner. She contributes as an author to a book titled *Shattering the Silence*. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a multi-manager platform with a variety of portfolio management options, including discretionary and non-discretionary approaches, and oversees over $256 billion in assets.

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. He holds Series 63 and Series 65 designations and has 27 years of industry experience. He has been with Raymond James since 2013. Outside of his advisory work, he is the owner and manager of Costello Wealth Strategies Inc. and has an investment in Integrity Wines, LLC. Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth investors, pension plans, charitable organizations, and government entities. The firm offers tailored, mostly non-discretionary advisory services and supports specialized programs such as SIMPLE IRA Employer Advisory & Consulting Services for small businesses.

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 designation and three years of industry experience. His prior work includes roles at Morgan Stanley Private Bank and entrepreneurial activities with Dell Exotic Auto Works and Borelli Motorsports. He has also been involved with DeAnza College since 2011. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs and tailored financial planning supported by firm-approved tools and research. The firm manages approximately $2.74 trillion in client assets and offers services through multiple channels, including its Financial Advisors and Estate Planning Strategies Group.

Thomas Walsh is a financial advisor with Raymond James Financial in Capitola, CA, holding a Series 63 designation and bringing 35 years of industry experience. He has been with Raymond James Financial Services, Inc. since 1992 and with Raymond James Financial since 2009. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, charitable organizations, corporations, and municipal entities. The firm offers financial planning and non-discretionary investment consulting, emphasizing client collaboration through tailored plans and a range of implementation options, with a notable focus on advisory services over discretionary management.

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.