Catherine Horan Walker is a financial advisor with Wells Fargo Clearing, holding a Series 66 credential and bringing 27 years of industry experience. Her prior work includes roles at Wells Fargo Investments and Merrill. Outside of her advisory work, she is a part-owner of a rental property in Los Angeles shared with her spouse. 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 uses research and analytics to offer both brokerage and advisory solutions, supporting a wide range of financial products through bank and insurance affiliates.

Dorothy Belville is a CFP® professional with 46 years of experience in the financial industry. She is currently with Cetera and has been associated with Cetera Advisors LLC since 2013 and with Belville Financial Advisors since 1985. Outside of her advisory work, she serves as executive director of Sauver Ranch, a sanctuary for abused animals. Cetera Investment Advisers LLC is a national SEC-registered advisory firm serving individual, employer-sponsored retirement, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and consulting services through a multi-manager platform with access to affiliated and third-party managers, and serves over 10,000 advisors and roughly 800,000 clients.

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 at Cetera with 43 years of industry experience and holds a Series 63 designation. Prior to joining Cetera in 2013, Patton worked at IFG Advisory Services Inc. for seven years. Outside of advising, Patton operates Integrated Management Group, a financial services business. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base that includes individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and consulting services through a multi-manager platform with access to both affiliated and unaffiliated third-party managers.

Thomas Gaspich is a financial advisor at UBS Financial Services with 50 years of industry experience. He holds Series 63 and Series 65 designations and has been with UBS since 2001. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory services, including financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client strategies.

Caroline Duddy is a Senior Financial Advisor at Merrill Lynch Wealth Management. She began her financial services career in 2017 and currently assists clients in building wealth management strategies tailored to their individual needs. Caroline approaches wealth management with a comprehensive perspective, emphasizing informed decision-making and attentive listening. Her expertise spans wealth management and transfer, retirement planning, and asset preservation, supported by over 50 combined years of investment experience within her team. Caroline holds the Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from Loyola Marymount University. Caroline is involved in community organizations including Delta Delta Delta and The Stanford Fund.

Yvonne San Nicolas Barcinas is a financial advisor at Merrill with 22 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Merrill since 2015, following prior experience at Bank of America. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Joshua Irwin is a financial advisor with Primerica Advisors in Salinas, CA, holding Series 65 and Series 63 licenses and five years of industry experience. His prior roles include positions at PFS Investments Inc., United Parcel Service, and WIS International. He is also involved in sales of loan products and home-related services through affiliates of PFS Investments Inc. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including high-net-worth clients, as well as corporate and charitable clients. The firm delivers advisory services through a model-driven approach supported by unaffiliated asset managers and provides custody and trade execution through Pershing.

Nicole Leffingwell is a financial advisor with Primerica Advisors in Salinas, CA, holding Series 63 and Series 65 licenses and 18 years of industry experience. Her prior roles include office management and corporate secretary positions at Northgate Design, Inc., alongside various positions in outdoor recreation and wellness businesses. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients, utilizing model-driven investment strategies and discretionary management supported by established custody and trade execution services.

Timothy Cass is a Private Wealth Advisor with Merrill Private Wealth Management. He specializes in providing ESOP and ESPP services, along with personal assistance to CEOs and CFOs, primarily within the healthcare industry. With 36 years of experience in the financial services sector, Timothy began his career at Morgan Stanley Dean Witter, where he worked for 20 years before joining Merrill in 2006. His expertise includes managing personal investments for corporate executives and assisting with filing and stock clearance needs. He holds a Series 7 and 66 FINRA registration and is designated as a Personal Investment Advisor (PIA). Timothy earned his High School Diploma/GED from Irvine University. Outside of his professional role, Timothy enjoys biking, golfing, running, and spending time with his family.

Benjamin Bishop is a Wealth Management Advisor at Merrill Lynch Wealth Management, a role he has held since March 2017. He collaborates with his team to integrate all aspects of his clients' financial lives, helping them prioritize and pursue their most important goals. Ben focuses on assisting clients in articulating both short-term and long-term objectives and developing financial strategies to achieve them. Ben holds a Bachelor's degree in Psychology with a Minor in Biology, as well as a Master's degree in Psychology with an emphasis on Biological Psychology, both from Humboldt State University. He is a Certified Financial Planner (CFP) and holds the Personal Investment Advisor (PIA) designation. Originally from Monterey, California, Ben and his wife Kellie returned to Monterey County to be closer to family, where they now live with their three-year-old daughter. Outside of his professional work, Ben enjoys biking, golfing, rock climbing, spending time with his family, and watching movies.

Philip Tringali is a Financial Consultant at Fidelity Investments, a role he has held since 2025. He collaborates with clients to develop customized financial plans that address their individual and family needs, utilizing Fidelity's digital tools and internal expertise to navigate complex financial planning. With 20 years of experience in the financial industry, Philip's background includes positions such as Investment Consultant at Fidelity Investments from 2023 to 2025 and various roles at Wells Fargo Bank from 2005 to 2023, including Senior Branch Premier Banker and Branch Manager. He holds a California Insurance License. Outside of his professional work, Philip enjoys baseball, comedy, concerts, family activities, golf, and traveling.

David Jenkins is a financial advisor with Ameriprise in Salinas, CA, holding a Series 66 designation and 25 years of industry experience. He previously worked at Bank of America and Merrill Lynch. Jenkins serves on the board of directors for Partners for Peace, a local nonprofit organization. Ameriprise provides retirement-income planning services targeted at individuals nearing or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary recommendations and offers a broad range of advisory, brokerage, and insurance solutions.

Thomas Carter Jr. is a financial advisor at Edward Jones in Carmel, CA, holding a Series 66 designation with five years of industry experience. Prior to joining Edward Jones, he worked in the automotive sector and served with the California Highway Patrol. Edward Jones is a full-service wealth management firm serving individual and institutional clients, managing approximately $1.01 trillion in assets through a nationwide network of over 23,000 advisors and more than 15,000 branches. The firm offers a range of advisory programs including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

Crystaline Kopriva is a financial advisor at UBS Financial Services with 18 years of industry experience. She has been with UBS since 2006 and holds a Series 66 designation. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm uses proprietary capital market assumptions and research to tailor investment plans and offers fee-based financial planning, portfolio management, and a range of capital markets and custody services.

Sandra Taitingfong is a financial advisor at Wells Fargo Clearing with nine years of industry experience. She holds a Series 66 designation and previously worked at Monterey Bay Charter for three years before joining Wells Fargo in 2017. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Charles Leupold is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 credentials and 11 years of industry experience. He has worked with Primerica Advisors since 2021 and previously spent eight years at PFS Investments Inc. In addition to his advisory role, he is involved in sales of home security and automation products through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering 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.

Cintia Sanchez Rivera is a financial advisor at Merrill with six years of industry experience. She holds a Series 66 designation and has been with Merrill and Bank of America since 2017. Prior to her current role, she was involved with Mi Pueblo Newco LLC and Mi Pueblo #20 from 2013 to 2017. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program for a range of clients including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers model-based and discretionary investment strategies constructed by internal and third-party managers.

Leigh Jeter Stanford is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 credentials and possessing 26 years of industry experience. His prior roles include positions at Golden State Wealth Management, LPL Financial, Hilltop Securities, and Charles Schwab. He serves on the board of directors for an animal welfare assistance group in Monterey, CA. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA 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 includes a discretionary investment option, with a broad product menu that notably incorporates insurance-related vehicles and bank deposit sweep options.