Albert Fong is a financial advisor with Wedbush Securities Inc. in Salinas, CA, holding Series 63 and Series 65 licenses and bringing 46 years of industry experience. He has worked with Wedbush Morgan Securities Inc. and Brookstreet Securities Corporation since 2007. Outside of his advisory work, Fong serves as chairman of the deacon board at Salinas Chinese Christian Church and is involved in local community service as a commissioner for the City of Salinas Library Community Service, as well as a board member of the Chinese American Citizen Alliance-National. Wedbush Securities serves a diverse client base including individual and high-net-worth investors, foundations, and institutional clients, offering brokerage and registered investment advisory services across wealth management, fixed income, commodities, securities lending, capital markets, and prime services. The firm provides discretionary and non-discretionary managed accounts, clearing and custodial functions, and operates multiple managed account and wrap fee programs.

Fred Sprinz is a CFP® with 48 years of industry experience. He is currently associated with ON Investment Management Company and has worked at Embarcadero Financial Group since 2017 as well as at S & B Financial, Inc. and THE O.N. Equity Sales Company since 1993. ON Investment Management Company is a subsidiary of The O.N. Equity Sales Company that provides financial planning, portfolio management, and retirement-plan advisory services to individuals, families, trusts, estates, charitable organizations, businesses, and ERISA plan sponsors. The firm offers comprehensive and modular financial plans along with access to various third-party investment programs, serving mainly non-discretionary accounts through a combination of third-party managers and advisory relationships.

Kevin Doell is a financial advisor with Hilltop Securities Inc. He holds a Series 66 designation and has four years of industry experience, with previous roles at Park Avenue Securities, Guardian Insurance Company, and O'Leary and Associates. Outside of his advisory work, he serves as a Hockey Director and consultant for the Chicago North High School Hockey Club and owns Chicago Hockey Institute, LLC; he is also an ambassador for the Monterey Chamber of Commerce. Hilltop Securities serves individual, high-net-worth, and institutional clients through investment advisory and broker-dealer services. The firm offers managed account programs, financial planning, retirement-plan advisory, and annuity-based solutions, and combines custody, banking, and market-making capabilities with an open-architecture investment platform.

Jeffrey Cougoule is a financial advisor at Citizens Securities, Inc. with 22 years of industry experience. He holds the Series 66 designation and has worked at notable firms including JP Morgan Chase Bank and First Republic Investment Management. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and individual retirement plans. The firm offers investment advisory programs alongside brokerage and insurance services, with a focus on ETF-based portfolios through its digital advisory program and a separate Managed Account program.

Francisco Arevalo is a financial advisor with Commonwealth Financial Network, holding the CFP® and ChFC® designations and four years of industry experience. He previously worked at Northwestern Mutual in various capacities from 2022 to 2025 and has been affiliated with Antone Mercurio LLC since 2025. Arevalo has also spent time in education-related roles at Hastings College. Commonwealth Financial Network serves a national network of approximately 2,900 advisors and manages about $212.7 billion in assets. The firm offers a broad support platform including managed-account programs, third-party asset manager access, and custody services, working with clients to implement portfolios through internal model portfolios or outsourced solutions.

Antone Mercurio is a CFP® professional with 30 years of industry experience, currently serving as a financial advisor at Commonwealth Financial Network since 2019. Prior to joining Commonwealth, he worked at Stifel Nicolaus & Co Inc for 11 years. Commonwealth Financial Network supports a national network of approximately 2,950 advisors, providing a range of advisory programs and services including wealth management, retirement plan consulting, and access to third-party asset managers. The firm offers a variety of program structures and discretionary model portfolios, alongside operational, trading, compliance, and practice-management support.

Hannah Rogge is a CFP® and Series 65-licensed advisor with nine years of industry experience. She is currently with Creative Planning and previously worked at Monterey Private Wealth, Inc. for nine years. Rogge serves as a volunteer director and co-treasurer for the Hospice Giving Foundation, a charitable 501(c)(3) organization in Monterey, CA. Creative Planning provides investment advisory and financial planning services to a diverse client base, including individuals, corporations, foundations, trusts, and retirement plans. The firm manages approximately $217 billion in assets and employs a financial planning-led investment process that incorporates low-cost indexing, buy-and-hold strategies, and supplemental approaches such as direct indexing and tax-loss harvesting.

Steven Emerson is a financial advisor with Commonwealth Financial Network, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He has worked at Commonwealth Financial Network since 2004, with a brief tenure at First Pacific Financial Services overlapping that period. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their retail and institutional clients. The firm provides a comprehensive platform offering advisory programs, investment management, compliance, and practice-management support, enabling advisors to deliver personalized portfolio solutions.

Spencer Lloyd is a CFP® and Series 66-registered financial advisor with nine years of industry experience. He is currently with Creative Planning and has previously worked at Monterey Private Wealth and UBS Financial Services. Creative Planning provides wealth management, financial planning, and retirement-plan advisory services to a diverse client base, including high-net-worth individuals, institutions, and corporations. The firm employs a financial-planning-led investment approach that emphasizes low-cost indexing and buy-and-hold strategies for long-term goals, supplemented by various specialized strategies and private market exposure.

James Phillips is a financial advisor with Creative Planning in Monterey, CA, holding a Series 65 credential. He joined Creative Planning in 2025 and has prior experience at the University of California, Santa Cruz, where he worked from 2008 to 2024. Phillips serves as a board member of Bay Federal Credit Union, providing input on its strategic direction. Creative Planning offers investment advisory and financial planning services to a diverse client base, including individuals, corporations, foundations, trusts, and retirement plans. The firm emphasizes a financial planning–led investment process focused on low-cost indexing and buy-and-hold strategies, supported by a large advisory team and centralized investment infrastructure.

John Griffin Jr. is a financial advisor with Osaic Advisory Services, LLC, holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. His prior roles include positions at Arbor Point Advisors and Securities America Advisors. Outside of his advisory work, he serves on the Cortina Homeowners Association board and coordinates a scholarship fund for North Salinas High School graduates. Osaic Advisory Services, LLC is an SEC-registered investment adviser serving a diverse client base including individuals, pension plans, corporations, trusts, charitable organizations, and government entities. The firm provides investment management, financial planning, retirement plan consulting, and related services through multiple program models that utilize proprietary and third-party platforms.

Cristofer Cabanillas is a CFP® with 21 years of industry experience, currently serving at Creative Planning. He previously worked for Monterey Private Wealth, Inc. for 14 years. He is also a member and 33.33% owner of Top Floor Investors, LLC, a commercial real estate business involved in property management. Creative Planning provides wealth management, financial planning, and retirement-plan advisory services to a diverse client base, including high-net-worth individuals, pension plans, and corporations. The firm employs a financial-planning-led investment approach that incorporates low-cost indexing, buy-and-hold strategies, and selective private market exposure, managing approximately $295.6 billion in client assets.

Holly Beyer is a Series 66-licensed financial advisor with First Command Advisory Services, where she has worked for six years. Her background includes roles in financial planning and insurance services at First Command, as well as experience in media and education with organizations such as The Dayton Daily News and Bowling Green State University. First Command Advisory Services is an SEC-registered investment adviser serving individuals, corporate, and charitable clients, with a focus on active-duty service members and their families. The firm offers comprehensive financial planning and multiple wrap-fee asset management programs using centrally managed model portfolios and approved third-party managers.

Erich Reinhardt is a financial advisor with Focus Advisor Solutions, LLC, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. His prior roles include positions at The Colony Group, LLC, Buckingham Strategic Partners, and Loring Ward Financial Inc. He is also involved with The Wealth Management Alliance as an investment advisor. Focus Advisor Solutions provides turnkey asset management and back-office services primarily to independent registered investment advisors and their clients, offering diversified mutual fund and ETF model portfolios, discretionary fixed-income management, and specialized services for retirement plans and registered investment companies.

Mark Kooiman is a CFP® professional at Creative Planning with 19 years of industry experience. He previously worked at Monterey Private Wealth, Inc., Michels Communications, and Charles Schwab in various roles. Kooiman serves on the board and finance committee of SunStreet Centers, a nonprofit organization operating a drug and alcohol rehabilitation program. Creative Planning provides investment advisory and financial planning services to a diverse client base, including individuals, corporations, foundations, and retirement plans. The firm employs a financial planning-led investment process that emphasizes low-cost indexing and offers a range of supplemental strategies, supported by a large advisory team and centralized infrastructure.

Edward Lopez is a financial advisor with Empower Advisory Group in Salinas, CA, holding Series 63 and Series 66 credentials and 23 years of industry experience. He has been with Gwfs Equities Inc/Great West Life & Annuity Insurance Company since 2006. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to Empower Premier IRA and certain retail brokerage account holders. The firm delivers services through an integrated model connected to Empower’s recordkeeping and administrative platforms, emphasizing long-term portfolio returns and clients’ savings rates.

Ericka Gutshall is a financial advisor with Primerica Advisors in Salinas, CA, holding Series 63 and Series 65 licenses and 29 years of industry experience. She has been with Primerica Advisors since 1996 and also works as a classical tutor. Gutshall is a member of the Salinas Valley Chamber of Commerce. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm curates third-party asset managers and uses a tiered wrap-fee structure for its services.

Emily Quatman is a financial advisor with LPL Financial, holding Series 63 and Series 66 designations and bringing 16 years of industry experience. She previously worked with J.P. Morgan Securities and JPMorgan Chase Bank before joining LPL Financial and Bay Federal Credit Union in 2020. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a wide range of advisory programs, financial planning, and retirement plan consulting, with access to model portfolios, research, and technology-driven investment solutions.

Milda Esquivel is a financial advisor at Edward Jones with eight years of industry experience. She has held her current role since 2017 and previously worked with Food Thumb, LLC and Asilomar Conference Grounds, Aramark. Esquivel holds the Series 66 designation. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including both non-high-net-worth and high-net-worth households. The firm manages over $1 trillion in assets and offers a range of advisory services through a nationwide network of more than 23,000 financial advisors.

Mary Myles is a financial advisor with Primerica Advisors in Seaside, CA, holding Series 63 and Series 65 credentials and 36 years of industry experience. She has worked with Primerica Advisors since 1989 and Primerica Financial Services since 1991. Prior to this, she was employed by the State of California from 2001 to 2017. Outside of her advisory role, she owns a retail store in Blytheville, Arkansas, called Hudson's Corner. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, providing model-delivery strategies and discretionary separately managed account options primarily for individual and high-net-worth clients. The firm curates third-party asset managers and employs a tiered wrap-fee structure rather than fixed fees.