David Panziera is a financial advisor at Ameriprise with three years of industry experience. Prior to joining Ameriprise, he worked for Intel Corporation for 19 years. He holds a Series 66 designation. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized retirement income service focused on dependable income sources and tax-aware withdrawal strategies for clients approaching or in retirement.

Shaun Mcgeary is a financial advisor with LPL Financial in Carmel, CA, holding a Series 66 designation and 21 years of industry experience. He has worked at LPL Financial since 2009 and previously spent four years at Merrill. Outside of his advisory work, Mcgeary is involved in amateur motorsports, planning to co-own and sponsor a Spec Boxster Porsche race car to compete in California events. 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 a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Susan Rede is a CFP®-credentialed financial advisor with 44 years of industry experience. She has been associated with OSAIC since 1989 and has maintained her own advisory practice since 1984. In addition to her advisory work, she provides income tax preparation services and occasionally sells insurance products. OSAIC serves a diverse client base including individual investors, retirement plans, charities, and corporations through a multi-advisor platform offering brokerage and advisory services. The firm emphasizes model-based asset allocation and portfolio optimization, supporting a range of investment strategies and third-party manager selections.

Aida Rosas is a financial advisor at Wells Fargo Clearing with 10 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at firms including Fidelity Investments, Bank of America, Merrill, and J.P. Morgan Securities. Outside of her advisory role, she provides bookkeeping and administrative support for a maintenance and repair service provider. Wells Fargo Clearing offers retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, providing both discretionary and non-discretionary investment advice. The firm’s process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options within its investment offerings.

Susan Yedlicka is a financial advisor at Morgan Stanley with 16 years of industry experience. She has worked at Morgan Stanley since 2016 and previously was employed by RBC Capital Markets Corp from 2010 to 2016. She holds the Series 63 and Series 66 licenses. Morgan Stanley Wealth Management serves individuals and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured discovery processes and firm-approved planning tools in its approach.

Elizabeth Benjamin is a financial advisor with Morgan Stanley in Monterey, CA, holding Series 63 and Series 66 designations and bringing 37 years of industry experience. She has worked at Morgan Stanley Smith Barney since 2009 and was previously with Merrill from 2004 to 2008. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a broad range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies.

Aviala Houston is an Investment Consultant at Fidelity Investments, a position she has held since 2021. In her role, she focuses on collaborating with clients to develop tailored financial approaches that align with their current and future financial goals. Her professional experience centers on providing knowledge, dedicated support, and guidance to clients to navigate financial decisions effectively. Aviala holds a California Insurance License, which supports her work in the financial services industry.

Shawn Sharafkah is a financial advisor at Thrivent Investment Management with five years of industry experience. He holds Series 63 and Series 66 credentials. His prior work includes roles at Allstate Insurance Co, Transamerica Financial Advisors, Prize Insurance Solutions, and several other financial and insurance firms. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of Financial Advisors. The firm offers holistic, goal-based analyses covering a wide range of planning topics and allows clients to combine planning with managed-account programs under a consolidated billing option called WealthPlan.

Dave Stewart is a financial advisor with UBS Financial Services in Carmel, CA, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. He has been with UBS since 1995. UBS Financial Services 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 integrates institutional trading capabilities with wealth management and utilizes proprietary research and model-based asset allocation to tailor client solutions.

Leonard Anable Jr. is a financial advisor at UBS Financial Services with 46 years of industry experience. He has been with UBS since 1979 and holds Series 63 and Series 65 licenses. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, offering financial planning, portfolio management, and access to mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based allocations to tailor investment strategies.

Nathan Steen is a Series 66-licensed financial advisor at Ameriprise with 22 years of industry experience. His prior work includes roles at Wells Fargo Clearing, Merrill, and Morgan Stanley DW Inc. He serves as Vice President on the Board of Directors for the MPC Foundation in Monterey, CA. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service, which provides tailored recommendations and ongoing advice focused on income sources and tax-aware withdrawal strategies.

Timothy Brereton is a CFP® professional with 34 years of industry experience, currently advising at OSAIC since 2023. His prior experience includes roles at SagePoint Financial and MSI Financial Services. He is also an independent insurance agent specializing in life, accident, health, dental, disability, and Medicare-related insurance products through his ownership of Allied WM Insurance Services LLC. OSAIC Wealth serves a diverse client base ranging from individual investors to institutional clients, offering brokerage and advisory services with a focus on model-based asset allocation and portfolio optimization. The firm is notable for its scale, complex affiliate network, and range of investment and lending platforms.

Karen Hagman is a CFP® and holds a Series 66 license, with nine years of industry experience. She has been with Edward Jones since 2016 and previously worked with the Hartnell College Foundation from 2013 to 2016. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including high-net-worth households, pension plans, corporate clients, and charitable organizations. The firm offers a range of advisory services supported by a large network of financial advisors and branch offices, managing approximately $1.01 trillion in assets.

Linda Myrick is a financial advisor with Edward Jones in Carmel, CA, holding Series 63 and Series 66 credentials and having 27 years of industry experience. She has been with Edward Jones since 1998. Outside of her advisory work, she is a part-owner of a fitness gym in San Antonio, TX, which is operated by her husband. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a variety of investment and advisory strategies. The firm manages approximately $1.01 trillion in assets and operates through a large national network of financial advisors and branch offices.

Alfredo Jose Moran is a financial advisor at Fidelity with Series 63 and Series 66 credentials and two years of industry experience. Prior to joining Fidelity Brokerage Services LLC, he worked at J.P. Morgan Securities LLC and JPMorgan Chase Bank, N.A. He has also been involved in a small business venture, Cafe Moran LLC. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors. The firm employs a combination of fundamental research and quantitative analysis to construct model portfolios, with a focus on systematic methodologies and long-term asset allocation.

Bruce Kajiwara is a CFP® and PFS™ credentialed financial advisor with 40 years of industry experience. He is currently with Wells Fargo Advisors, having joined in 2025 after working at Cetera and Cetera Advisor Networks LLC for over a decade. Kajiwara is involved in financial literacy efforts through his participation in organizations such as the California Society of CPA’s and California Jumpstart, where he speaks on financial literacy topics. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad planning menu and integrates advisory services with other financial products and referral channels.

Stephen Galley is Vice President and Branch Leader at Fidelity Investments, a position he has held since 2016. In this role, he leads a team of professionals dedicated to helping individuals and families organize, prioritize, and plan for their overall financial goals. He has been with Fidelity Investments since 1999, serving in various capacities including Vice President, Financial Consultant, and Workplace Financial Consultant. Stephen's experience spans over two decades in financial consulting, focusing on financial planning and client services. He holds a California Insurance License, which supports his work with clients on financial and insurance matters. Outside of his professional career, Stephen enjoys hiking, movies, tennis, and traveling.

Thomas North is a financial advisor with Ameriprise in Monterey, CA, holding Series 63 and Series 65 licenses and bringing 46 years of industry experience. His prior experience includes roles at Wells Fargo Clearing, Merrill, and Morgan Stanley. Outside of his advisory work, he owns True North Productions, LLC, a publishing company established to market his book, *True North, The Shocking Truth about Yours Mine and Ours*. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, with a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Andrew Mac Quarrie is a financial advisor at Morgan Stanley in Salinas, CA, with nine years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley and its Private Bank since 2016, with a brief tenure at Fidelity Brokerage Services. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a wide range of advisory programs, including tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers both direct and corporate financial planning services.

Mario Velarde is a Series 66-licensed financial advisor with seven years of industry experience. He currently works at J.P. Morgan Securities and JP Morgan Chase Bank, N.A., having previously worked at Bank of America, Merrill, and World Financial Group. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program that focuses on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research, incorporating an ESG eligibility framework and supported by affiliated implementation and portfolio services.