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 at Ameriprise with 32 years of industry experience. He has worked at Morgan Stanley Private Bank and Prudential Equity Group in prior roles. Williams serves on the boards of Meals on Wheels of Monterey as Treasurer and the Hospice Giving Foundation. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendations and ongoing retirement-income planning focused on reliable income sources and tax-aware withdrawal strategies.

Christian Ekberg is a financial advisor at Edward Jones with 24 years of industry experience. He holds Series 63, Series 65, and Series 66 designations. His prior roles include positions at Wells Fargo Bank NA, Spyglass Fiduciary Consultants, Merrill Lynch, and Bank of America NA. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of discretionary and non-discretionary investment strategies, affiliated mutual funds, and operates under a fiduciary standard with a nationwide network of thousands of financial advisors and branch offices.

Henry Franscioni Jr. is a financial advisor with Morgan Stanley in Salinas, CA, holding a Series 63 designation and 42 years of industry experience. He has worked at Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney since 2009, with prior experience at Citigroup Global Markets from 1993 to 2009. Morgan Stanley Wealth Management provides advisory programs and financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm uses a structured planning process supported by firm-approved tools and offers a broad range of investment and planning solutions.

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.

Duane Nack is a financial advisor with Ameriprise in Salinas, CA, holding a Series 63 designation and 39 years of industry experience. He has worked with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement who meet specific eligibility criteria, providing written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm delivers these services through a centralized consulting team using a combination of research, modeling, and tax-efficiency analysis, serving clients with a broad range of advisory, brokerage, and insurance solutions.

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 with Charles Schwab, holding Series 63 and Series 66 licenses and four years of industry experience. Her prior roles include positions at Fidelity Investments, Merrill Lynch, Bank of America, and Charles Schwab Bank. Before entering the financial sector, she worked at Bernardus Lodge and Spa for four years. Charles Schwab & Co., Inc. serves a large client base, 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 combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers a multi-asset model portfolio approach supported by centralized operational and custody services.

Cole Keller is a Financial Advisor with Merrill Lynch Wealth Management. He holds the professional designation of Retirement Accredited Financial Advisor (RAFA). Further details about his experience, educational background, or personal interests have not been provided.

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 worked with J.P. Morgan since 2012 and has prior experience at Equitable Advisors and other firms. He serves as a board member and special projects lead for the White Rock Club, a nonprofit hunting club. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments through a select group of wealth advisors. The firm’s advisory process combines quantitative and qualitative research to deliver written asset allocation advice and customized reporting while clients retain final decision-making authority.

Montgomery Cook is a financial advisor with Morgan Stanley who holds Series 63 and Series 65 licenses and has 40 years of industry experience. He has worked at Morgan Stanley Private Bank since 2015 and has been with Morgan Stanley Smith Barney since 2009. Prior to that, he was employed at Citigroup Global Markets from 1993 to 2009. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and integrates various investment and planning strategies across a wide range of client segments.

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 Series 63 and Series 65 licenses and previously worked at Lincoln Financial Advisors Corporation for 27 years. She is also a licensed insurance agent offering traditional life insurance products. OSAIC serves a diverse client base, including retail and institutional investors, with a multi-advisor platform that provides brokerage and advisory services featuring model-based asset allocation and portfolio optimization supported by various investment tools.

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.