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.

Russell Fletcher is a financial advisor with J.P. Morgan Securities in Carmel, CA, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. He has been with J.P. Morgan since 2012 and also serves as a board member for White Rock Club, a nonprofit hunting club, where he assists with special projects including a multi-year reserve study. Additionally, he manages La Mica Hatsuse, LLC, an LLC overseeing real estate holdings for family members. 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 through a team of Wealth Advisors. The firm combines large institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis while clients retain final decision authority.

Montgomery Cook is a financial advisor at Morgan Stanley with 39 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. Prior to that, he was with Citigroup Global Markets beginning in 1993. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs and tailored financial planning services. The firm integrates structured planning tools and investment modeling techniques as part of its advisory approach.

Bradley Larson is a financial advisor with Cetera who holds Series 63, 65, and 66 licenses and has 38 years of industry experience. He previously worked at U.S. Bancorp Advisors and J.P. Morgan Securities. Larson is also president of Strategic Wealth Advisory, where he provides investment, retirement, financial, and tax planning services. Cetera Investment Advisers LLC serves a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various discretionary and non-discretionary portfolio management options and access to third-party money managers.

Marylou Brewster is a financial advisor at OSAIC with 46 years of industry experience. She holds a Series 63 and Series 65 license and previously worked at Lincoln Financial Advisors Corporation for 27 years. She also offers traditional life insurance products as a licensed agent. OSAIC serves a diverse client base, including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services and uses a variety of proprietary tools and third-party platforms to manage customized investment portfolios.

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.

Kathryn Varellas is a financial advisor with Morgan Stanley, holding a Series 66 designation and 18 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management provides a wide array of advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and delivers services both directly and through corporate financial planning agreements.

Sean Spowart is the principal of Cypress Coast Investments and has 7 years of industry experience. He is a licensed real estate broker and sole proprietor of a real estate brokerage business in California. Sean has managed Cypress Coast Investments since 1992. Cypress Coast Investments primarily manages pooled investment vehicles and other institutional assets, focusing on setting investment policy for those funds. The firm’s investment approach includes an hourly fee structure and an affiliation with a real estate brokerage, distinguishing it from many other institutional investment managers.

Kevin Price is the sole advisor at Interlake Capital Management, LLC, an independent firm based in Carmel, CA. He holds a Series 66 designation and has 20 years of industry experience, having been with Interlake Capital Management since 2006. Outside of his advisory role, he works part-time as a caddie at Pebble Beach Resorts. Interlake Capital Management serves a small client base of individuals and retirement-plan sponsors, offering portfolio management and financial advisory services primarily on a non-discretionary basis. The firm combines pension consulting with individualized, recommendation-driven advice, a service mix that sets it apart from many solo independent advisors.