Joseph Martello II is a financial advisor with RBC Capital Markets in Monterey, CA, holding Series 63 and Series 66 designations and bringing 39 years of industry experience. He has worked at RBC Capital Markets since 2008 and at City National Bank since 2016. He serves on the board of the Hospice Giving Foundation, assisting with fundraising efforts to support community grief services. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers customized advisory programs that combine discretionary portfolio management, financial planning, and brokerage services tailored to clients’ risk profiles.

Robert Farrens is a financial advisor with Merrill based in Monterey, CA. He holds a Series 66 designation and has been in the industry since 2024. His prior work experience includes roles at Bank of America, Safeway, and Markstein Sales Co. Outside of his advisory role, he is the owner of a small business unrelated to investments. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Gabriel Faunce is a financial advisor at J.P. Morgan Securities with eight years of industry experience. He holds Series 63 and Series 66 credentials and has worked at various J.P. Morgan entities since 2017, including JPMorgan Chase Bank and J.P. Morgan Securities. Prior to joining J.P. Morgan, he was employed by Spring Mobile/Gamestop Inc. from 2015 to 2017. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with affiliated brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis supported by an in-house manager solutions team and centralized due diligence.

Morgane Mcnally is the Resident Director of the Carmel-Monterey, CA office and a Senior Financial Advisor and partner of The McNally Rhoades Bishop Group. She also serves on the Monterey Bay Market Leadership Committee for Bank of America. In her professional role, she focuses on delivering excellent service and helping clients pursue their financial goals through personalized strategies. Morgane was born in France and raised in Brazil. She earned undergraduate and postgraduate degrees in Business, Marketing, International Trade Practices, Business Law, and Foreign Languages from the University of Paris. She holds the Personal Investment Advisor (PIA) designation and is fluent in French, Portuguese, English, and Spanish. Her expertise includes college education planning, family wealth management strategies, retirement income, portfolio management services, socially responsible investing, and other key financial planning areas. Outside of work, Morgane enjoys golfing with her husband, hiking the peninsula with her dog, and wine tasting with friends. She is involved in the community as a Bank of America Community Volunteer Leader and supports organizations such as the Boys and Girls Club of Monterey, Carmel High School, Habitat for Humanity, and the Monterey County Food Bank.

Rebecca Tegerdal is a financial advisor at Wells Fargo Clearing with 22 years of industry experience. She holds the Series 66 designation and has been with Wells Fargo Clearing since 2016, following three years at Wells Fargo Advisors, LLC. Outside of her advisory work, she has a bookkeeping role in a plumbing business based in Monterey, CA. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Kristen Sutherland is a financial advisor at Wells Fargo Clearing with eight years of industry experience. She holds a Series 63 designation and has worked at Wells Fargo Clearing since 2016, with prior experience at Wells Fargo Advisors LLC and Wells Fargo Bank, NA. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. 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.

Kevin Richardson is a financial advisor with LPL Financial in Monterey, CA, holding a Series 66 designation and 28 years of industry experience. He has worked with LPL Financial since 2010. Outside of advising, he is a radio broadcaster for San Jose State University football and the Bay Area Panthers indoor football team. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs and financial planning services, providing both discretionary and non-discretionary management supported by in-house and third-party research.

Jasmine Bucago is a financial advisor at Charles Schwab with a Series 66 license and approximately one year of industry experience. She previously worked at Wells Fargo and has been involved with organizations such as the Shalom Free Clinic and Boys & Girls Club of The North Valley. Her background also includes participation in Formula Racing at UC Davis. Charles Schwab & Co., Inc. serves 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 a combination of non-discretionary and discretionary investment solutions, supported by centralized custody and due diligence resources.

Justina Marie Bowker is a financial advisor at UBS Financial Services with five years of industry experience and holds a Series 66 credential. She has worked at UBS since 2018 and has experience in various roles including part-time retail sales at House of Cardoon and managing office operations for a local sailing business. Bowker is also the owner of Seamaid Glass, a small business that makes and sells handmade jewelry. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, utilizing proprietary research and model-based asset allocations to tailor financial plans. The firm combines institutional trading capabilities with wealth management services and offers a range of financial products and services.

Eric Le Towt is a CFA® charterholder with 25 years of experience in the financial industry. He is currently with Morgan Stanley, where he has been since 2021, following prior roles at Wells Fargo Advisors and Wells Fargo Clearing. Outside of his advisory work, he is involved in real estate as a general partner and sole proprietor of property management businesses in Carmel and Carmel Valley, California. Morgan Stanley Wealth Management provides advisory and brokerage services to individual and institutional clients, offering tailored financial planning through a structured discovery process and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and delivers a range of programs including relationships with investment companies, private funds, and principal trading activities.

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.

Ashley Burrell is a financial advisor with Morgan Stanley in Monterey, CA, holding a Series 63 designation and 33 years of industry experience. She has been with Morgan Stanley and its affiliates since 2007, including roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and modeling techniques to support its advisory process.

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 with Ameriprise, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. His prior roles include positions at Morgan Stanley Private Bank and Wells Fargo Advisors. He serves on the boards of Meals on Wheels of Monterey as Treasurer and Hospice Giving Foundation as a member. Ameriprise provides retirement-income planning services aimed at individuals approaching or in retirement, combining research, modeling, and tax-efficient strategies to create personalized recommendation reports. The firm offers a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Christian Ekberg is a financial advisor at Edward Jones in Carmel, CA, with 23 years of industry experience. He holds Series 66, Series 63, and Series 65 designations. His prior experience includes positions at Bank of America NA, Merrill Lynch, Spyglass Fiduciary Consultants, and Wells Fargo Bank NA. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

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.

Alexander Ljubimow is a financial advisor with UBS Financial Services in Carmel, CA, holding a Series 66 designation and bringing 21 years of industry experience. He has been with UBS since 2004. Outside of his advisory role, he is involved as a partner in Central Coast Juicery, a cold-pressed juice maker. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory services, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management and offers a broad range of capital markets services.

Janet Arroyo is a financial advisor at Charles Schwab with Series 66 and Series 63 licenses and four years of industry experience. Her prior roles include positions at Fidelity Investments, Merrill Lynch, Bank of America, and Charles Schwab Bank. She also has experience working at Bernardus Lodge and Spa from 2015 to 2019. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of advisory, brokerage, custody, and financial planning services. The firm provides both non-discretionary investment guidance and access to discretionary separately managed accounts using multi-asset model portfolios and a formal alternative-investment process.

Cole Keller is a Financial Advisor at Merrill Lynch Wealth Management. In this role, he provides financial advisory services to clients, helping them manage and grow their wealth. Further specific details about his experience, areas of expertise, education, credentials, personal interests, or community involvement have not been provided.