Melanie Pitnick is a Wealth Management Advisor at Merrill Lynch Wealth Management, based in Carmel, CA. Since joining Merrill Lynch in 2014, she has been dedicated to providing personalized financial advice and guidance, aiming to help clients prepare for financial transitions throughout their lives. She works as part of a nine-person team in the Carmel branch, combining the resources of a global financial institution with a boutique-like client experience. Over her career, Melanie has developed expertise in designing customized wealth management plans for affluent individuals. Her services include tax minimization strategies, estate planning, retirement income needs analysis, and tailored asset allocation approaches. She holds professional designations including CERTIFIED FINANCIAL PLANNER® (CFP), Certified Plan Fiduciary Advisor® (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Melanie earned her bachelor's degree in Psychology and Neuroscience from the University of Colorado at Boulder and completed an Accredited Certificate Program at the College for Financial Planning. She is active in the Carmel community, serving on the board of the Carmel Community Girls Softball Program and coaching a youth softball team. Outside of work, she enjoys traveling, spending time with her pets, and engaging in outdoor activities.

Christopher Boyns is a financial advisor with Morgan Stanley in Monterey, CA, holding a Series 66 designation and six years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2020. Prior to his current roles, he was involved with Bronco Wine Company and Caddie Services LLC. Outside of his advisory work, Boyns serves as a board member and finance committee member for Ducks Unlimited, an environmental nonprofit. Morgan Stanley Wealth Management provides advisory programs and financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets and offering plans through structured discovery processes and firm-approved tools.

Johnny Castaneda is a Series 66-licensed financial advisor with Ameriprise in Gonzales, CA, and has 24 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency analysis to provide written Recommendation Reports. The firm serves clients through a large institutional platform that includes advisory, brokerage, and insurance solutions.

Alex Minelli is a financial advisor at J.P. Morgan Securities with a Series 66 credential and two years of industry experience. Prior to joining J.P. Morgan Securities and JPMorgan Chase Bank, N.A., Alex worked at Merrill and Bank of America for four years each. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework when recommending strategies.

Juan Maranon is a financial advisor at J.P. Morgan Securities with eight years of industry experience. He holds Series 63 and 66 licenses and has prior experience at Wells Fargo and the United States Marine Corps. Outside of finance, he is involved in small business ventures including ownership of an embroidery and graphic printing company and a retail store specializing in western apparel and accessories. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework. The firm operates within the broader J.P. Morgan organization and offers a range of products accessible through its unique registrations as a security-based swap dealer and futures commission merchant.

Tony Minami is a financial advisor with OSAIC based in Salinas, CA, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. He has worked at Royal Alliance since 2012 and operates a sole proprietorship involved in selling insurance and annuities. Outside of his advisory role, Minami also engages in ridesharing as a driver for Lyft and Uber and creates content for a YouTube channel. OSAIC serves a diverse client base, including retail and institutional investors, offering a range of advisory and brokerage services supported by asset-allocation tools and access to third-party money managers. The firm operates multiple advisory platforms and integrates complex corporate structures and commercial arrangements in its service delivery.

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 two years of industry experience. He holds a Series 66 designation and has worked previously at Equitable Advisors, LLC. Outside of finance, he has pursued unpaid acting and modeling since his teenage years and continues to develop this creative interest alongside his advisory role. Ameriprise Financial Services is a diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service. The firm’s approach includes written recommendation reports and ongoing advice focused on income sources and tax-aware withdrawal strategies, with implementation conducted on a non-discretionary basis.

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 having 24 years of industry experience. He has been with LPL Financial and its predecessor firm since 2006 and previously worked at Morgan Stanley from 2003 to 2006. LPL Financial is a national broker‑dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory services including financial planning, model portfolio programs, third‑party asset management, and institutional platforms, supported by a large network of investment adviser representatives.

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.

Frank Koucky III is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. He has worked at LPL Financial since 2009 and previously spent eight years at Wells Fargo Clearing. He operates a separate business entity named Blair Financial Group, LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and asset management services, combining advisory platforms with non-advisory financial activities and oversight of substantial discretionary assets.

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.

Randall Green is a financial advisor at Wells Fargo Advisors with 45 years of industry experience. He holds Series 63, 65, and 66 credentials and has previously worked at Bank of America, Merrill, and UBS Financial Services. Outside of his advisory work, he owns several automotive-related businesses including Vintage Autosports LLC and Scuderia Furia LLC. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services. The firm offers a broad range of planning services using proprietary research and tools, with an emphasis on tailored recommendations delivered through advisory and brokerage programs.

Michael Wallensack is a financial advisor at Wells Fargo Clearing with 54 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Wells Fargo Clearing since 2016. Prior to that, he spent 17 years at Prudential Equity Group, LLC. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap‑fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

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.