Jacob Torres is a Planning Consultant at Fidelity Investments, a position he has held since 2025. He brings over 15 years of experience in the financial industry to his role, where he collaborates with clients to develop strategies aligned with their long-term financial objectives. His work centers on guiding clients through every stage of their financial journey. Prior to joining Fidelity Investments, Jacob held roles at Morgan Stanley and Wells Fargo Private Bank, including positions as Wealth Management Associate, Trust Associate, Private Banking Associate, and Personal Banker. He holds a California Insurance License. Outside of his professional life, Jacob has interests in fishing, movies, museums, photography, and traveling.

Andres Gomez is a financial advisor at Ameriprise with one year of industry experience. He holds a Series 66 designation and previously worked at Equitable Advisors. Outside of advising, he participates in acting and modeling as a creative outlet, having been involved in community events since his teenage years. Ameriprise serves clients primarily through its retirement-income planning service aimed at individuals nearing or in retirement, combining research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations. The firm offers a broad range of advisory, brokerage, and insurance solutions as a large institutional provider.

Joseph Irwin is a financial advisor at Primerica Advisors with two years of industry experience. He holds Series 63 and Series 65 licenses and has prior experience with PFS Investments Inc. and Primerica Financial Services. Outside of advising, he works as an apprentice land surveyor with Central Coast Surveyors. Primerica Advisors is a large institutional firm serving primarily individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm offers a wrap-fee asset management program that utilizes model-delivery strategies developed by unaffiliated asset managers and provides custody and trade execution services through established custodians.

John Mera is a financial advisor with LPL Financial in Monterey, CA, holding a Series 66 designation and 23 years of industry experience. He has been with LPL Financial, formerly LINSCO/PRIVATE LEDGER CORP., since 2006. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a wide range of clients, including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers various advisory programs and financial planning services, utilizing model portfolios and research from LPL Research and third-party subadvisors.

Jennifer Metcalf serves as Vice President, Financial Consultant at Fidelity Investments, a role she has held since 2021. She collaborates with clients to develop efficient financial plans aimed at providing peace of mind, placing clients at the center of the relationship. Jennifer holds the CERTIFIED FINANCIAL PLANNER™ certification and a Bachelor's degree in Finance, cum laude. Her career spans over two decades in the financial industry, including positions as a Financial Advisor at RBC Wealth Management, Merrill Lynch, John Hancock, and MetLife Financial Services, as well as a Compliance Manager at John Hancock. She is licensed with the California Insurance License. Outside of her professional work, Jennifer engages in personal interests such as camping, football, hiking, photography, and singing.

Juan Aldama is a financial advisor with Merrill in Salinas, CA, holding a Series 66 designation and eight years of industry experience. He has worked at Bank of America and Merrill since 2011, totaling 15 years with these firms. Outside of his advisory role, he holds a power of attorney position in a non-investment related entity. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Kai Langenberg is a financial advisor at J.P. Morgan Securities with 20 years of industry experience. He holds Series 63 and Series 66 certifications and has been with J.P. Morgan since 2019. Prior to joining J.P. Morgan, he worked at Farmers Financial Solutions and Farmers Insurance from 2016 to 2019. J.P. Morgan Securities provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and incorporating an ESG eligibility framework in its recommendations.

Vlada Trostyanskaya is a financial advisor at Raymond James Financial with two years of industry experience. She holds the Series 66 designation and has worked with Capital Waypoint LLC in a non-investment-related advisory capacity. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual and institutional clients. The firm uses a combination of risk profiling and analytical tools to deliver tailored, non-discretionary investment consulting aligned with client goals.

Michael Wallensack is a financial advisor at Wells Fargo Clearing with 53 years of industry experience. He holds the Series 63 and Series 65 designations and has been with Wells Fargo Clearing and its predecessor firms since 2009. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions. The firm’s advisory process is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Douglas Gutshall is a financial advisor with Primerica Advisors in Salinas, CA, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 1993. Outside of his advisory role, he tutors for Classical Conversations, an educational organization. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, which offers model-delivery strategies and a limited number of separately managed account options primarily for individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap-fee structure for its services.

William Yakobovich is a financial advisor with Osaic Wealth Inc. holding Series 63 and Series 66 credentials and 54 years of industry experience. His prior affiliations include Independent Financial Group, LLC and NPB Financial Group, LLC. Outside of advising, he owns Unique Luxury Travel LLC, which sells cruise and vacation travel services. OSAIC Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of advisers and multiple advisory platforms. The firm provides integrated brokerage and advisory services and employs asset-allocation tools and risk assessments to manage portfolios across a broad range of investment types.

Steven Keller is a Senior Financial Advisor at Merrill Lynch Wealth Management. In this role, he provides investment and financial planning services to clients, leveraging his expertise to support their financial goals. Steven holds the professional designation of Personal Investment Advisor (PIA), reflecting his qualifications in the field. He earned a Bachelor's Degree from Eastern Nazarene College.

Candice Sagehorn is a financial advisor with Charles Schwab, holding Series 63 and Series 66 designations and bringing 33 years of industry experience. She has been with Charles Schwab since 2011, including a role at Charles Schwab Bank, SSB from 2020 to 2021. Charles Schwab & Co., Inc. serves a large client base, 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 offers both non-discretionary guidance and access to discretionary separately managed accounts, combining integrated custody and brokerage services.

Larry Nelson is a financial advisor with Ameriprise in Salinas, CA, holding a Series 63 designation and 33 years of industry experience. He previously worked at American Express Financial Advisors Inc. for 28 years before joining Ameriprise in 2020. Outside of his advisory role, he assists his daughter with a small business venture called Sunflower Suds & Scissors. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement with significant investable assets, providing detailed recommendation reports on income sources, Social Security options, and tax-smart withdrawal strategies. As a large institutional firm, it delivers a broad range of advisory, brokerage, and insurance solutions through affiliated companies.

Christopher Laver is a financial advisor at UBS Financial Services with 44 years of industry experience. He holds Series 63 and Series 65 licenses and has been with UBS since 2015. Outside of his advisory work, he serves as the executor of the Katie Clancy estate. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory services, including portfolio management and financial planning. The firm integrates institutional trading capabilities with wealth management, offering proprietary research and a broad range of capital markets services.

Catherine Horan Walker is a financial advisor with Wells Fargo Clearing in Monterey, CA, holding a Series 66 designation and 27 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Outside of her advisory role, she co-owns a rental property in Los Angeles with her spouse. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with options for both discretionary and non-discretionary plan management, including a notable inclusion of insurance-related vehicles and bank deposit sweep options.

Dorothy Belville is a CFP® with 45 years of industry experience, currently serving as a financial advisor at Cetera. She has been associated with Cetera Advisors LLC since 2013 and has operated her own firm, Belville Financial Advisors, since 1985. Outside of her advisory work, she is the executive director of Sauver Ranch, a sanctuary for abused animals. Cetera Investment Advisers LLC is an SEC-registered firm that supports a nationwide network of independent advisors serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through multi-manager platforms and various program structures.

Craig Brinton is a Wealth Management Advisor with Merrill Lynch Wealth Management. He works closely with clients to address a broad range of financial goals, including college education planning, retirement income, legacy planning, and family wealth management strategies. Craig collaborates with business owners, agricultural executives, physicians, and attorneys, guiding them through personalized investment strategies, retirement planning, and fiduciary responsibilities related to company retirement plans. He holds multiple professional designations, including CERTIFIED FINANCIAL PLANNER™ (CFP®), Certified Plan Fiduciary Advisor (CPFA™), Certified 401(k) Professional (C(k)P®), Retirement Benefits Consultant (RBC), and Personal Investment Advisor (PIA). Craig earned his Bachelor's Degree from the University of the Pacific and works alongside the SBR Team to provide comprehensive wealth planning services, including trust or individual portfolios, 529 college plans, charitable gifting, insurance, and debt planning. Outside of his professional work, Craig supports various local nonprofit organizations and is involved with community groups such as The Salvation Army, Rotary, and the Boys and Girls Club. His personal interests include biking, fishing, and golfing.

David Rutberg is a financial advisor at UBS Financial Services with 37 years of industry experience. He has been with UBS and its predecessor Painewebber since 1998 and began his career at Security Pacific Investment Division in 1988. Rutberg holds Series 63 and Series 65 designations. Outside of his advisory work, he serves as a successor trustee for the R. L. A. Trust in Carmel, California. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, including fee-based financial planning and discretionary portfolio management. The firm integrates proprietary research and model-based asset allocations to tailor strategies aligned with clients’ goals and risk tolerances.

Deni Patton is a financial advisor with Cetera, holding a Series 63 designation and over 42 years of industry experience. Patton has been with Cetera Advisors LLC since 2013 and joined Cetera in 2024. Outside of this role, Patton owns and operates Integrated Management Group, a financial services business. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with access to a variety of portfolio management services and third-party money managers, managing over $256 billion in assets through a network of more than 10,000 advisors.