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 financial advisor at J.P. Morgan Securities with six years of industry experience. He holds a Series 66 designation and has worked at JP Morgan Chase Bank, Bank of America, Merrill, and World Financial Group. 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 select group of Wealth Advisors. The firm combines large institutional advisory operations with additional market-facing registrations, delivering advisory services alongside affiliated brokerage, distribution, and investment management capabilities.

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.

Matthew Ring is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and 17 years of industry experience. He has worked with PFS Investments Inc. and Primerica Financial Services since 2007. Outside of advising, Ring is involved as a partner in Aura Pros, LLC, an audio video services and integration business, works as a musician for hire, and teaches CPR at the South Bay School of Nursing. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm utilizes model-delivery strategies managed by unaffiliated asset managers and supports accounts with BNY Mellon Advisors and Pershing custody and clearing services.

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.

Michael Smith is a financial advisor with Primerica Advisors in Salinas, CA, holding Series 63 and Series 65 licenses and 26 years of industry experience. He has been with Primerica Advisors since 2000 and Primerica Financial Services since 1998. In addition to his advisory role, he is involved in sales of non-investment products including home security, automation products, and loan services through affiliated companies. Primerica Advisors serves primarily individual investors and also works with corporate and charitable clients through a wrap-fee asset management program that uses model-delivery strategies overseen by third-party managers. The firm manages approximately $15.5 billion in assets with a network of nearly 3,700 advisors and focuses on delivering advisory services via client information gathering and model recommendations.

Vince Dimaggio is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 credentials and 24 years of industry experience. He has been with J.P. Morgan Chase Bank and J.P. Morgan Securities since 2012. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework when recommending strategies.

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.

Kathleen Huggins is a financial advisor with RBC Capital Markets in Monterey, CA, holding Series 63 and Series 65 licenses and bringing 10 years of industry experience. She has been with RBC Capital Markets since 2012. Huggins serves on the board of directors for ImPower, Inc., a nonprofit organization. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individuals, institutions, and nonprofits. The firm provides tailored investment strategies, offering discretionary and non-discretionary portfolio management, financial planning, and brokerage services through multiple advisory programs.

Alanna Cuizon Jittayasotorn is a financial advisor at Wells Fargo Clearing with five years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Morgan Stanley, Merrill, UBS Financial Services, and Cream. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and incorporates modern portfolio theory, serving as an ERISA fiduciary and providing a range of investment options including insurance-related vehicles and bank deposit sweep programs.

Richard Bassman is a CFP® professional with 23 years of experience in the financial services industry. He has worked at LPL Financial since 2018 and previously held roles at Mass Mutual Investors Services, Massachusetts Mutual Life Insurance Company, Metlife Securities Inc., New England Securities, and Ameriprise. LPL Financial is a national broker-dealer and 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.

Thomas Pelino is a CFA® charterholder with 45 years of industry experience, currently serving as a financial advisor at UBS Financial Services since 2013. Based in Carmel, CA, he supports his wife's real estate activities by assisting with maintenance for a vacation rental property at Lake Tahoe. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, using proprietary research and model-based strategies to tailor financial plans. The firm combines institutional trading capabilities with wealth management services and offers a broad range of capital markets solutions.

Matthew Salyer is a financial advisor at Ameriprise with three years of industry experience. He holds a Series 66 designation and has worked at Ameriprise since 2022. Prior to that, he had roles at Image Masters and Nina P Murch Attorney at Law. Outside of his advisory work, he serves as treasurer on the board of the National Association of Mental Illness Monterey County and is involved with the Salinas Valley Chamber of Commerce as a Government Relations Committee member and Chamber Ambassador. Ameriprise provides retirement-income planning services targeting individuals approaching or in retirement, generally with at least $1 million in investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.