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.

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 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.

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 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.

Ian Edwards is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and six years of industry experience. His career includes roles at J.P. Morgan Securities and JPMorgan Chase Bank, N.A., as well as prior service with Monterey One Water and the United States Air Force Reserve. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. Their advisory process combines quantitative and qualitative research and incorporates an ESG eligibility framework, with implementation support from affiliated investment-management entities.

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.