Walter Retzlaff

Carmel York is a financial advisor at Clym LLC with four years of industry experience. She holds the Series 65 designation and has previously worked in mortgage companies and banking. Outside of her advisory role, she serves as Vice President of Sales at OptiFunder LLC, a subscription software company that automates mortgage operations. Clym LLC provides integrated financial planning and discretionary investment management to individuals, trusts, estates, charitable organizations, business entities, and select institutional clients. The firm operates as a fee-only fiduciary and focuses on portfolio management aligned with clients’ goals, utilizing institutional-class mutual funds, ETFs, and private investments, while also offering educational workshops and coordinating with clients’ other professionals.

Jordan Lampos is a financial advisor at Midway Partners Capital Management, LLC with 12 years of industry experience. He previously worked at Duff & Phelps Securities LLC from 2016 to 2021. Lampos holds Series 63 and Series 65 licenses. Midway Partners Capital Management is a single-advisor registered investment adviser that provides discretionary portfolio management to individuals, trusts, estates, corporations, and other entities through separately managed accounts and a private pooled vehicle. The firm employs an intrinsic-value, bottom-up fundamental investment approach focusing on discounted cash-flow analysis and conservative forecasts, managing concentrated, longer-term holdings with routine portfolio reviews.

Luis Contreras is a financial advisor at Contreras Financial, Inc. with 13 years of industry experience. He previously worked at Bank of America and Merrill Lynch. Contreras is active in his community as a committee member and scholarship chair for the Cannery Row Rotary Club in Monterey, CA. Contreras Financial, Inc. provides discretionary portfolio management and financial planning services to individuals, high-net-worth clients, and business entities. The firm offers a wrap fee program, educational seminars, and pension consulting, employing an investment approach that combines fundamental and quantitative analysis with modern portfolio theory.

Aaron Schwartz is a CFP® credentialed financial advisor at McFarland Associates with 16 years of industry experience. He has held various roles at McFarland Associates and previously worked at NPB Financial Group, LLC. Outside of finance, he is involved in private flight instruction as a certified pilot and flight instructor. McFarland Associates serves individuals, trusts, estates, corporations, non-profits, and other business entities, advising both high-net-worth and non-HNW clients. The firm emphasizes broadly diversified, mutual fund-based portfolios managed primarily on a non-discretionary basis, integrating comprehensive financial planning and a range of non-investment services.

Tonia Ryan is a financial advisor at AFS Investments with 16 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at firms including Franklin Templeton and Waddell & Reed. Outside of her advisory role, she serves as a notary public in Sacramento, CA. AFS Investments provides advisory and planning services to individuals, retirement plan sponsors, trusts, and business entities, managing approximately $56 million across about 140 client relationships. The firm employs both bottom-up stock selection and top-down asset allocation strategies, offering clients discretionary, non-discretionary, or self-directed engagement options.

William Hastie Jr. is a financial advisor with Hastie Financial Group in Salinas, CA, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. He has previously worked at LPL Financial, LLC for 24 years and has been with Commonwealth Financial Network since 2018. Hastie Financial Group provides personalized financial planning and consulting services to individuals, trusts, estates, charitable organizations, and corporations, focusing on written financial plans and long-term, asset-allocation-oriented recommendations without executing trades or exercising discretion.