Peter Mu is a CFP® with 15 years of industry experience, currently serving as the sole advisor at Wealth Cairn, LLC. His prior experience includes roles at Park Avenue Securities and Guardian Life Insurance Company. He is also licensed to sell insurance products as part of his professional activities. Wealth Cairn provides advisory services to institutional and individual clients, specializing in portfolio management, pension consulting, and financial planning. The firm employs a long-term investment approach grounded in modern portfolio theory and often implements strategies through third-party managers with ongoing due diligence.

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.

Michael Garber is a CFP® with eight years of industry experience and the principal of Michael Garber Financial Planning, an independent advisory firm. He has worked at Keysight Technologies, Inc. since 2014 in an internal organizational consultant role focused on sales skills development. Michael Garber Financial Planning serves individuals and families through a fee-only, independent model offering comprehensive financial planning, investment consulting, tax preparation, estate-plan review, risk management, and small-business planning. The firm emphasizes a long-term, cost-minimizing investment approach using passive vehicles and operates on a retainer- and project-based fee structure without discretionary trading authority or acceptance of commissions.

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.

Alex Baier is a CFP® with 10 years of industry experience. He is currently with RLS Private Wealth Consulting, Inc. and previously worked at Northwestern Mutual Wealth Management Company and Foresters Financial Services. RLS Private Wealth Consulting provides family office services, wealth concierge, and comprehensive financial planning for families, business owners, and individual clients. The firm focuses on advisory, coordination, and implementation support, using third-party custodians and managers for investment execution, and emphasizes family office operations and education programming without offering discretionary investment management.

Rhonda Staelgraeve Secor is a CFP® with 13 years of industry experience, currently serving as an advisor at RLS Private Wealth Consulting, Inc. since 2016. She previously spent four years as a stay-at-home mom. Rhonda is also an advisory board member of Monterey County Bank. RLS Private Wealth Consulting offers family office services, wealth concierge, and comprehensive financial planning for families, business owners, and individual clients. The firm focuses on advisory, coordination, and implementation support, utilizing third-party custodians and managers for investment execution, and emphasizes family office operations and education programming.

William Hastie Jr. is a financial advisor with Commonwealth Financial Network, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. He previously worked at LPL Financial, LLC for 24 years and has operated Hastie Financial Group since 2012. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their clients. The firm offers a range of advisory programs and services, including model portfolios and personalized investment options, while providing operational, compliance, and practice-management support to affiliated advisors.

Ryan Hastie is a financial advisor with Hastie Financial Group in Salinas, CA, holding a Series 66 designation and four years of industry experience. Prior to his current role, he worked at Commonwealth Financial Network beginning in 2023 and has a background in physical therapy and academia. Hastie Financial Group provides personalized financial planning and consulting services to individuals, trusts, estates, charitable organizations, and corporations, focusing on long-term, asset-allocation-oriented recommendations without managing portfolios or executing trades directly.

Kelly Monroe is a financial advisor at Keystone Advisory Group with 19 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Keystone since 2013. In addition to her advisory role, Monroe teaches federal employee benefits through the FERS Blueprint training program. Keystone Advisory Group serves individual and high-net-worth clients, as well as trusts, estates, and charitable organizations. The firm offers discretionary portfolio management within a wrap fee program, combining fundamental, technical, and cyclical analysis with a long-term investment approach.

Mary Barone is a financial advisor with The Marshall Financial Group LLC in Salinas, CA, holding Series 63 and Series 65 designations and bringing 38 years of industry experience. She previously worked at Mutual Advisors, LLC for 12 years. Outside of her advisory role, she serves on the board of the City of Phoenix Civic Improvement Corporation and is involved with the Ferrari Club of America’s Monterey Peninsula Chapter. The Marshall Financial Group LLC is a team-based registered investment adviser serving individuals, businesses, pension and profit-sharing plans, and charitable organizations. The firm offers fee-based asset management and comprehensive financial planning, building individualized portfolios using mutual funds, ETFs, and managed stock sleeves guided by asset-allocation models and third-party software.

Cody Beaumont is a CFP® professional with three years of industry experience, currently serving at HFG Advisors, Inc. since 2022. His prior roles include positions at Rosewood Family Advisors LLP and Moss Adams LLP, among others. Beaumont is also employed as a financial planner at HFG Trust LLC, a Washington-chartered trust company affiliated with his firm. HFG Advisors serves individual and high-net-worth clients, charitable organizations, and retirement plans by providing investment management, financial planning, tax preparation, and ERISA plan advisory services. The firm employs a generally passive, low-cost fund-based investment approach aligned with Modern Portfolio Theory and offers socially conscious portfolios and option-writing strategies as part of its discretionary and non-discretionary management options.

George Wehrfritz is a financial advisor at Saratoga Research & Investment Management with 16 years of industry experience. He holds a Series 65 designation and has been with Saratoga Research & Investment Management since 2009. Saratoga Research & Investment Management provides discretionary portfolio management to individuals, including high-net-worth clients, and various institutional clients such as pension plans, endowments, and registered investment companies. The firm employs a long-only, concentrated large-cap equity approach using quantitative and qualitative analysis, managing approximately $2.5 billion across about 2,800 clients.

Angela Pack is a financial advisor with SLP Wealth, holding a Series 65 designation and two years of industry experience. She has worked at SLP Wealth since 2023 and is also involved with Student Loan Planner, where she provides student loan consulting services. Her prior experience includes roles at Susan L. Kendall, CPA, Kendall Wealth Partners, and Northwestern University. SLP Wealth serves individuals and business entities, including small businesses sponsoring 401(k) plans, offering discretionary investment management, financial planning, and 401(k) advisory services. The firm employs a passive, buy-and-hold investment approach using mutual funds and ETFs, and also provides tax preparation and bookkeeping services under separate agreements.

Michael Parkin is a financial advisor at Secure Investment Management, LLC with a Series 65 designation and one year of industry experience. Before joining the firm, he worked for Hesai, Inc. and Veoldyne Lidar, Inc. He is also an insurance agent involved in selling fixed insurance products. Secure Investment Management serves individuals, business entities, trusts, and estates, offering investment advisory, portfolio management, and financial planning services with a long-term, quantitative, factor-based approach using diversified, low-cost investment vehicles.

Cole Silva is a financial advisor at Creative Financial Designs, Inc. with two years of industry experience. He holds a Series 66 designation and has worked at several firms, including Cotari and cfd Investments. Silva is also involved with Hope Services, a nonprofit social services organization, where he serves as a substitute job coach. Creative Financial Designs serves individual clients, charitable organizations, corporate and business clients, and employer retirement plans, offering both discretionary and non-discretionary investment management along with comprehensive financial planning. The firm’s investment approach is based on asset-class model allocations supported by third-party research and includes a variety of strategies ranging from passive ETFs to tactically managed portfolios, as well as a suite of Biblical Responsible Investing options.

John Madonna is a financial advisor at Momentum Independent Network Inc. with 42 years of industry experience. He holds a Series 63 designation and previously worked at Hilltop Securities, Inc. for 38 years. Momentum Independent Network serves a diverse client base including individual, high-net-worth, charitable, corporate, institutional, and banking clients. The firm offers advisory and brokerage services through a platform model that integrates third-party managers and specialized municipal bond strategies sponsored by Hilltop affiliates.

Larry Chavez is a financial advisor with Creative Financial Designs, Inc. in Gilroy, CA, holding Series 63 and Series 65 licenses and possessing 11 years of industry experience. He has been with Creative Financial Designs since 2016 and is also involved in Christian Wealth Management as an investment professional. Creative Financial Designs serves a diverse client base including individuals, charitable organizations, corporate clients, and employer retirement plans, offering a range of investment management and financial planning services. The firm’s investment approach incorporates asset-class model allocations informed by third-party research and includes Biblical Responsible Investing strategies alongside traditional and tactical portfolio options.

Todd Knapp is a financial advisor with International Assets Investment Management, LLC, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He worked at LPL Financial from 2009 to 2021 before joining International Assets Investment Management and its affiliate in 2021. Knapp also owns Knapp Financial Group, LLC, a private label financial business. International Assets Investment Management provides advisory services to individuals, high-net-worth clients, retirement plans, and businesses through a national network of independent representatives. The firm focuses on customized, long-term portfolio management using mutual funds, ETFs, individual equities, and fixed income, and offers access to third-party money managers and financial planning.

Michael Graef is a CFP®-certified financial advisor with 20 years of industry experience, currently affiliated with Creative Financial Designs, Inc. in Gilroy, CA. He holds minority ownership and serves as a corporate officer at Inspire Investing, LLC, and is fully owned sole proprietor of Christian Wealth Management, a financial planning practice. Creative Financial Designs serves individual, charitable, corporate, and retirement plan clients with a range of investment management and financial planning services. The firm employs asset-class model allocations informed by third-party research and offers various strategies including Biblical Responsible Investing.

Albert Fong is a financial advisor with Wedbush Securities Inc. in Salinas, CA, holding Series 63 and Series 65 licenses and bringing 46 years of industry experience. He has worked with Wedbush Morgan Securities Inc. and Brookstreet Securities Corporation since 2007. Outside of his advisory work, Fong serves as chairman of the deacon board at Salinas Chinese Christian Church and is involved in local community service as a commissioner for the City of Salinas Library Community Service, as well as a board member of the Chinese American Citizen Alliance-National. Wedbush Securities serves a diverse client base including individual and high-net-worth investors, foundations, and institutional clients, offering brokerage and registered investment advisory services across wealth management, fixed income, commodities, securities lending, capital markets, and prime services. The firm provides discretionary and non-discretionary managed accounts, clearing and custodial functions, and operates multiple managed account and wrap fee programs.