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.

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.

Laurence Walker II is a financial advisor at Kestra Advisory with 45 years of industry experience. He holds the Series 63 and Series 65 credentials and has previously worked at firms including UBS Financial Services, Morgan Stanley, Citigroup Global Markets, and Commonwealth Financial Network. He is also co-owner of Monterey Custom Wealth Management. Kestra Advisory Services provides investment advisory and retirement-plan consulting to institutional and individual clients, offering services such as fiduciary consulting, plan design, and employee education. The firm manages approximately $79.8 billion in assets and serves a range of clients including large institutional investors and sovereign wealth funds.

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.

Scott Fosmark is a CFP®-designated financial advisor with 25 years of industry experience. He is currently with Kestra Advisory Services, LLC and Kestra Investment Services, LLC. His prior roles include positions at Monterey Custom Wealth Management, Commonwealth Financial Network, UBS Financial Services, and Morgan Stanley. Outside of his advisory work, he co-owns Fosmark Fisheries, a fishing company based in Carmel, CA. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a diverse client base including institutional and individual investors. The firm offers a range of services such as plan design, fiduciary oversight, employee education, and access to multiple management platforms and third-party solutions.

Marian Deering is a CFP® with 27 years of experience in financial services, currently serving at Kestra Advisory Services, LLC. Her prior roles include positions at UBS Financial Services, Morgan Stanley, Citigroup Global Markets, Commonwealth Financial Network, and Monterey Custom Wealth Management. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a diverse range of institutional and individual clients, offering services such as plan design, fiduciary consulting, and employee education. The firm manages approximately $79.8 billion in assets and serves large institutional investors, including sovereign wealth funds.

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.

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.

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.

Jeremy Connally is a CFP® and ChFC® with 16 years of industry experience, currently serving as a financial advisor at Principal Financial Services. He previously worked at Farmers Financial Solutions and Farmers Insurance for nine years before joining Principal Securities and Principal Life Insurance Company. Outside of his advisory role, he coaches children's and beginner adult jiujitsu classes at Gracie University Monterey and supports his wife's Farmers Insurance Agency as an agency manager. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, estates, and charitable organizations. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money managers under various advisory and promoter arrangements.

David Humphrey is a CFP® certificant with 33 years of industry experience. He is currently affiliated with Charles Schwab, where he has held roles since 2021 across Schwab Wealth Advisory Inc., Charles Schwab & Co., Inc., and Charles Schwab Bank. His prior experience includes five years at TD Ameritrade. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm combines non-discretionary advisory services with access to affiliated discretionary SMA portfolios and offers a multi-asset model investment approach supported by research and due diligence on alternative investments.

Javier Bolante is a CFP® professional with 17 years of industry experience, currently serving as a financial advisor at Edward Jones since 2008. He holds the Series 66 designation and is based in Carmel, CA. Outside of his advisory role, he has ownership interest in a dermatology practice operated by his wife. Edward Jones is a full-service wealth management firm serving a diverse client base that includes individuals, institutions, pension plans, corporations, and charitable organizations. The firm offers a broad range of investment strategies and advisory services supported by a large nationwide network of financial advisors and branch offices.

Terrie Fuentes is a financial advisor with UBS Financial Services in Carmel, CA, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. Prior to joining UBS in 2023, she spent 25 years at Wells Fargo Bank, N.A., including 10 years with Wells Fargo Clearing. She serves as a trustee for her stepfather’s investment-related matters. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, combining institutional trading capabilities with wealth management services. The firm uses proprietary research and model-based asset allocations to tailor investment plans and provides a broad range of capital markets services.

Rodney Pirtle is a financial advisor with Morgan Stanley in Monterey, CA, holding a Series 63 designation and 42 years of industry experience. He has been with Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management provides a range of advisory programs to both individual and institutional clients, offering tailored financial planning supported by firm-approved tools and processes. The firm manages approximately $2.74 trillion in client assets and delivers services through Financial Advisors and its Estate Planning Strategies Group.

George Chobany is a CFP® with 43 years of industry experience. He is currently with OSAIC since 2023 and previously worked at Sagepoint Financial, Inc. for 14 years and Kms Financial Services, Inc. for 2 years. In addition to his advisory role, he is involved as an agent with Allied WM Insurance Services LLC, focusing on life, health, disability, and long-term care insurance. OSAIC serves a broad range of retail and institutional clients, including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and investment advisory services, financial planning, retirement plan consulting, and access to third-party money managers, utilizing various tools and platforms to construct and manage diversified portfolios.

Martin Livingston is a financial advisor with Wells Fargo Clearing who holds Series 63 and Series 65 licenses and has 25 years of industry experience. He previously worked at Citigroup Global Markets for eight years before joining Wells Fargo in 2016. Outside of his advisory role, he serves as a trustee for a family trust. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and brokerage solutions. The firm manages approximately $671 billion in assets and employs more than 14,000 financial advisors.