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 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.

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.

David Reynolds is a financial advisor with Primerica Advisors in Salinas, CA, holding Series 63 and Series 65 licenses and having 23 years of industry experience. He has been with Primerica Advisors since 2018 and has over 25 years of involvement with Primerica Financial Services. Outside of his advisory role, Reynolds is co-owner and president of Trevis Berry Transportation, a hauling and logistics company, and 152 Fuel Depot, a fuel purchasing and selling business. Primerica Advisors is a large institutional firm serving primarily individual investors, including high-net-worth clients, as well as corporate and charitable entities. The firm offers a wrap-fee asset management program that employs model-based investment strategies managed by third-party asset managers and supported by custodial and execution services from Pershing.

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 40 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, National Association since 2015, Morgan Stanley Smith Barney since 2009, and Citigroup Global Markets since 1993. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and modeling techniques.

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.

Walter Retzlaff is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and two years of industry experience. He has worked at Primerica Advisors and Primerica Financial Services since 2022 and has a long-term role at SUHSD since 1998. In addition to his advisory work, Retzlaff is involved in sales of loan products and home-related services through affiliated Primerica companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and discretionary separately managed accounts to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap fee structure rather than fixed fees.

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.

Ian Edwards is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds a Series 66 designation and has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2020. Prior to this, he was employed at Monterey One Water and served in the United States Air Force Reserve. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting through a select group of Wealth Advisors. The firm delivers these services alongside affiliated brokerage, distribution, and investment management capabilities.

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.