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.

James Sterbick is a financial advisor with LPL Financial, holding a Series 63 designation and over 32 years in the industry. He has been with LPL Financial for 30 years, since 1996. Outside of his advisory role, he is employed at the Pebble Beach Golf Course in California. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, 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.

Kari Cardwell is a financial advisor with Morgan Stanley in Salinas, CA, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. She has been with Morgan Stanley since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individuals and institutional clients, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning processes supported by firm-approved tools and modeling techniques.

Jake Merenda is a financial advisor with Wells Fargo Clearing in Carmel, CA. He holds a Series 66 designation and joined the firm in 2026. Prior to his current role, he gained experience in various positions including roles at Oracle NetSuite, Addison Group, and Alacrinet, as well as time spent as a full-time student. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. 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 data.

Anand Bokde is a CFP® and Series 66-licensed financial advisor with 12 years of industry experience. He has been with Edward Jones since 2013. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a broad range of advisory programs and investment strategies supported by a large nationwide network of financial advisors and branch offices.

Roberta Hunter is a Series 66 licensed financial advisor with Wells Fargo Advisors in Carmel By The Sea, CA, and has 26 years of industry experience. She has been with Wells Fargo Advisors Financial Network since 2015. Hunter is also the owner of WaveCrest Wealth Management LLC, an independent practice based in Capitola, CA. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services, including specialized areas such as business-owner transition and special-needs analysis, using proprietary research and planning tools.

Todd Doleshal is a CFP®-certified financial advisor with 18 years of industry experience. He has worked at LPL Financial since 2023 and previously spent 11 years with Ameriprise Financial Services, Inc. Outside of his advisory role, Doleshal is involved with Doleshal-Seregos LLC, a real estate rental business. 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, model portfolio programs, third‑party asset management, participant-level retirement advice, and institutional platforms.

Angelika Lipow is a financial advisor at Fidelity with 12 years of industry experience. She holds a Series 66 designation and previously worked at Edward Jones from 2014 to 2018. Angelika has been with Fidelity and its affiliated entities since 2018. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its use of systematic methodologies in model portfolios and its advisory role to multiple registered investment companies.

Jeffrey Newman is a financial advisor with Wells Fargo Clearing in Carmel, CA, holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. He worked at Prudential Equity Group, LLC from 1996 to 2003 before joining Wells Fargo Clearing in 2016. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. 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 other sources.

Vince Dimaggio is a financial advisor with J.P. Morgan Securities in Carmel, CA, holding Series 63 and Series 65 credentials and 24 years of industry experience. He has worked with J.P. Morgan Chase Bank and related entities since 2012 and previously held roles at LPL Financial, Banc of America Investment Services, and A.G. Edwards & Sons. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors, offering non-discretionary, written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research and includes broader derivatives and commodities capabilities.

Nicandro Albert is a financial advisor at Stifel with two years of industry experience. He holds Series 63 and Series 65 licenses. Prior to joining Stifel in 2023, he worked at AJ Houston Financial Services and Matthew Albert Tile. Stifel serves a wide range of clients, including individuals, institutional clients, and charitable organizations, offering both brokerage and investment advisory services. The firm’s investment approach uses proprietary methodologies developed by its Investment Strategy Group, providing analysis and allocation guidance based on forward-looking capital market assumptions.