Michael Davidson is a Series 66 licensed financial advisor with Hilltop Securities Inc. in Monterey, CA, where he has worked since 2004, totaling 21 years of industry experience. Outside of his advisory role, he is involved in live streaming video games on Twitch TV. Hilltop Securities serves individual and institutional clients through investment advisory and broker-dealer services, offering managed accounts, financial planning, and retirement-plan consulting on an open-architecture platform with access to both third-party and firm-sponsored strategies.

Todd Knapp is a financial advisor with International Assets Investment Management, LLC, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He worked at LPL Financial from 2009 to 2021 before joining International Assets Investment Management and its affiliate in 2021. Knapp also owns Knapp Financial Group, LLC, a private label financial business. International Assets Investment Management provides advisory services to individuals, high-net-worth clients, retirement plans, and businesses through a national network of independent representatives. The firm focuses on customized, long-term portfolio management using mutual funds, ETFs, individual equities, and fixed income, and offers access to third-party money managers and financial planning.

Albert Fong is a financial advisor with Wedbush Securities Inc. in Salinas, CA, holding Series 63 and Series 65 credentials and possessing 46 years of industry experience. His prior work includes ten years at UBS Financial Services and a brief period at Brookstreet Securities Corporation before joining Wedbush Morgan Securities Inc., where he has worked for 19 years. Outside of his advisory role, Fong serves as chairman of the Deacon Board at Salinas Chinese Christian Church, is a commissioner for the City of Salinas Library Community Service, and is a board member of the Chinese American Citizen Alliance-National. Wedbush Securities provides investment advisory and broker-dealer services to individual, high-net-worth, and institutional clients, offering a range of wealth management, fixed income, commodities, and capital markets services. The firm combines portfolio management tailored to client objectives with institutional research and operational capabilities including clearing, custodial, and prime services.

Fred Sprinz is a CFP® professional with 49 years of experience in the financial services industry. He is affiliated with ON Investment Management CO and has held roles 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 provides financial planning, portfolio management, and retirement-plan advisory services to a diverse client base including individuals, families, trusts, charitable organizations, businesses, and ERISA plan sponsors. The firm offers both discretionary and non-discretionary investment programs and operates with a dual-registration broker-dealer model.

Armando Perez Jacinto is a CFP®-certified financial advisor with one year of industry experience, currently with Modern Wealth Management, LLC. Prior to joining Modern Wealth Management, he held roles at Ameriprise and the California Army National Guard and is also involved with PJ Family Landscaping Inc. Modern Wealth Management, LLC is a multi-team SEC-registered investment adviser managing approximately $10.9 billion in assets across individual, high-net-worth, trust, estate, and institutional clients. The firm offers comprehensive investment management and financial planning services supported by a centralized Investment Committee and employs a variety of strategic and tactical investment tools.

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.

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.

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 licenses and bringing 33 years of industry experience. His prior roles include positions at Arbor Point Advisors, Securities America Advisors, KMS Financial Services, Morgan Stanley, and Citigroup Global Markets. Outside of his advisory work, he serves on the board of a local homeowners association and coordinates a scholarship fund for North Salinas High School graduates. Osaic Advisory Services, LLC is an SEC-registered enterprise advisor serving a diverse client base including individuals, pension plans, corporate and charitable entities, and sovereign wealth funds. The firm offers a range of investment programs and consulting services, utilizing both fundamental and technical analysis, and partners with third-party managers and platform providers to deliver customized strategies.

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®-certified financial advisor with 20 years of industry experience, currently with Creative Planning. His prior roles include positions at Monterey Private Wealth, Michels Communications, and Charles Schwab. Outside of his advisory work, he serves on the board and finance committee of SunStreet Centers, a nonprofit organization focused on drug and alcohol rehabilitation. Creative Planning provides wealth management and financial planning 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 emphasizes low-cost indexing and buy-and-hold strategies, complemented by a range of portfolio management and retirement plan services.

Jerry Positeri is a financial advisor at Fifth Third Securities, Inc. with 40 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Ameriprise and Comerica Securities. Fifth Third Securities serves individual and institutional clients through investment advisory and brokerage channels, offering a range of program types including managed accounts, SMA strategies, and direct-indexing options. The firm is a wholly owned subsidiary of Fifth Third Bank and supports clients with various investment solutions across a large-scale enterprise.

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 licenses and 16 years of industry experience. She has previously worked at J.P. Morgan Securities and J.P. Morgan Chase Bank. Outside of her advisory role, she is involved with Bay Federal Credit Union and owns a rental property in Ben Lomond, CA. 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 a variety of financial planning and investment solutions, utilizing both proprietary and third-party strategies, supported by advanced operational and research tools.

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.