Rebecca Tegerdal is a financial advisor with Wells Fargo Clearing who holds the Series 66 designation and has 22 years of industry experience. She worked at UBS Financial Services from 2005 to 2013 before joining Wells Fargo Clearing in 2016. Outside of finance, she has a minority ownership interest in a plumbing business where she handles bookkeeping. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Kristen Sutherland is a financial advisor at Wells Fargo Clearing with nine years of industry experience. She holds a Series 63 designation and has worked with Wells Fargo Clearing since 2016 and Wells Fargo Bank, N.A. since 2015. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and wrap-fee programs. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Kevin Richardson is a financial advisor with LPL Financial in Monterey, CA, holding a Series 66 designation and 29 years of industry experience. He worked at Merrill from 1997 to 2010 before joining LPL Financial, where he has been since 2010. Outside of his advisory role, Richardson is a radio broadcaster for San Jose State University football and the Bay Area Panthers indoor football team. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers financial planning, asset management, and institutional platforms, supporting a wide range of strategic and tactical investment approaches.

Dennis Kreiner is a CFP®-certified financial advisor with Ameriprise, based in Salinas, CA, and has 46 years of industry experience. He has been with Ameriprise and its predecessor entities since 1979. Kreiner serves on the investment committee of the La Selva Beach United Church of Christ. Ameriprise provides retirement-income planning services primarily for individuals with significant investable assets, combining research-driven modeling and tax-efficient strategies. The firm offers a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Alexis Winder is a CFP® professional with nine years of industry experience, currently serving clients at Edward Jones since 2017. Based in Hollister, CA, Winder holds the Series 66 designation. Edward Jones is a full-service wealth management firm that serves over four million individual and institutional clients, offering a range of advisory programs and investment solutions. The firm manages approximately $1.01 trillion in assets and operates a nationwide network of financial advisors and branch offices.

Eric Le Towt is a CFA® charterholder and financial advisor with Morgan Stanley in Monterey, CA. He has 25 years of industry experience, including prior roles at Wells Fargo Clearing, Wells Fargo Investments, and UBS Financial Services. Outside of his advisory work, he is involved as a general partner and sole proprietor in property management activities in Carmel and Carmel Valley, California. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs and tailored financial planning supported by structured tools and analysis. The firm manages approximately $2.74 trillion in client assets and offers its services through a comprehensive platform including its Financial Advisors and Estate Planning Strategies Group.

Lauren Cortright is a financial advisor at Morgan Stanley with 19 years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley Private Bank, National Association since 2015, and Morgan Stanley Smith Barney since 2011. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and models to support its advisory services.

Gonzalo Bravo Jr. is a financial advisor with J.P. Morgan Securities in Hollister, CA, holding Series 63 and Series 66 designations and having 12 years of industry experience. He has worked with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2015. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting within a non-discretionary program. Their advisory process combines quantitative and qualitative research with forward-looking market assumptions to develop model asset allocations, incorporating ESG criteria and utilizing affiliates for implementation and portfolio services.

David Reineking is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 19 years of industry experience. He has worked at Merrill and Bank of America prior to joining Wells Fargo Clearing in 2017. 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 a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

David Parker is a financial advisor with Wells Fargo Clearing and holds a Series 66 designation. He has six years of industry experience and has been associated with Wells Fargo Bank since 1999. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and wrap-fee programs. The firm manages approximately $671 billion in assets and offers a mix of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party databases.

James Williams is a financial advisor at Ameriprise with 32 years of industry experience. He has worked at Morgan Stanley Private Bank and Prudential Equity Group in prior roles. Williams serves on the boards of Meals on Wheels of Monterey as Treasurer and the Hospice Giving Foundation. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendations and ongoing retirement-income planning focused on reliable income sources and tax-aware withdrawal strategies.

Henry Franscioni Jr. is a financial advisor with Morgan Stanley in Salinas, CA, holding a Series 63 designation and 42 years of industry experience. He has worked at Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney since 2009, with prior experience at Citigroup Global Markets from 1993 to 2009. Morgan Stanley Wealth Management provides advisory programs and financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm uses a structured planning process supported by firm-approved tools and offers a broad range of investment and planning solutions.

David Refuerzo is a Senior Financial Advisor with Merrill Lynch Wealth Management, based in Carmel, CA. He joined Merrill Lynch in 2009, bringing with him 15 years of prior experience as a Senior Engineering Manager in the Semiconductor industry. David's client focus areas include college education planning, services for endowments, foundations, and non-profits, personal retirement planning, individual and corporate investment strategy, and retirement income. David holds a Bachelor of Science degree in Chemical Engineering from Stanford University and carries the Professional Investment Advisor (PIA) designation. He emphasizes a collaborative approach to wealth management, working closely with clients and their professional teams—such as tax planners and estate planners—to coordinate financial strategies that address each client's unique goals and circumstances. His services include goals-based wealth management, portfolio management, retirement income and cash flow strategies, and asset and liability analysis. Outside of his professional work, David previously served as a Commissioner on the Carmel by the Sea Forest and Beach Commission. He enjoys cycling and walking with his wife, a yoga instructor, and their dogs along Carmel's white sand beach. David is also involved with the Pebble Beach Concours d'Elegance community event.

Duane Nack is a financial advisor with Ameriprise in Salinas, CA, holding a Series 63 designation and 39 years of industry experience. He has worked 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 who meet specific eligibility criteria, providing written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm delivers these services through a centralized consulting team using a combination of research, modeling, and tax-efficiency analysis, serving clients with a broad range of advisory, brokerage, and insurance solutions.

Cole Keller is a Financial Advisor with Merrill Lynch Wealth Management. He holds the professional designation of Retirement Accredited Financial Advisor (RAFA). Further details about his experience, educational background, or personal interests have not been provided.

Elizabeth Muncie is a Financial Consultant at Fidelity Investments, a role she has held since 2026. She has been with Fidelity since 2014, progressing through positions including Financial Representative, Relationship Manager, and Planning Consultant. Throughout her career, Elizabeth has worked closely with clients to understand their priorities and to develop personalized financial plans using Fidelity's planning tools. Her experience spans more than a decade, during which she has focused on collaborating with clients to turn their financial goals into actionable strategies. Elizabeth holds a California Insurance License. Outside of her professional work, Elizabeth's personal interests include baseball, football, beach activities, family activities, and parenthood.

David Reynolds is a financial advisor with Primerica Advisors in Salinas, CA, holding Series 63 and Series 65 licenses and having 23 years of industry experience. He has been with Primerica Advisors since 2018 and has over 25 years of involvement with Primerica Financial Services. Outside of his advisory role, Reynolds is co-owner and president of Trevis Berry Transportation, a hauling and logistics company, and 152 Fuel Depot, a fuel purchasing and selling business. Primerica Advisors is a large institutional firm serving primarily individual investors, including high-net-worth clients, as well as corporate and charitable entities. The firm offers a wrap-fee asset management program that employs model-based investment strategies managed by third-party asset managers and supported by custodial and execution services from Pershing.

Montgomery Cook is a financial advisor with Morgan Stanley who holds Series 63 and Series 65 licenses and has 40 years of industry experience. He has worked at Morgan Stanley Private Bank since 2015 and has been with Morgan Stanley Smith Barney since 2009. Prior to that, he was employed at Citigroup Global Markets from 1993 to 2009. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and integrates various investment and planning strategies across a wide range of client segments.

Walter Retzlaff is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and two years of industry experience. He has worked at Primerica Advisors and Primerica Financial Services since 2022 and has a long-term role at SUHSD since 1998. In addition to his advisory work, Retzlaff is involved in sales of loan products and home-related services through affiliated Primerica companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and discretionary separately managed accounts to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap fee structure rather than fixed fees.

Ramsin Ganji is a Wealth Management Advisor at Merrill Lynch Wealth Management. He began his career in public accounting before joining Merrill Lynch in 1991. In his role, he serves high net worth families, businesses, institutions, and endowments, providing a range of financial services and strategies including portfolio management, employee benefits planning, executive compensation, and philanthropic planning. He acts as a qualified Portfolio Manager, managing personalized or defined strategies on a discretionary basis, utilizing various investment approaches such as individual stocks and bonds, Merrill Lynch model portfolios, and third-party strategies. He holds a Bachelor's Degree from California State University Stanislaus and has earned professional designations including Certified 401(k) Professional, Certified Plan Fiduciary Advisor, Certified Private Wealth Advisor, Chartered Retirement Planning Counselor, Personal Investment Advisor, and Retirement Benefits Consultant. Ramsin possesses several FINRA registrations including Series 7, 9, 10, 63, and 65. Outside of his professional duties, Ramsin is involved in community service. He is a Past President of the Modesto Kiwanis Club, a Past Lieutenant Governor of the Cal-Nev-Ha District of Kiwanis, and serves on the Monterey Salvation Army Board of Directors. His personal interests include golfing, hiking, reading, and traveling.