Thomas Montoya is a financial advisor at Hornor, Townsend & Kent, LLC with a Series 66 designation and one year of industry experience. Prior to joining HTK, he held roles at California Baptist University and Integrated Financial Benefits, among other positions. Outside of financial services, he has experience in the food service industry, including work at Chaam Eatery and Country Waffles. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans through advisory programs, financial planning, and retirement plan consulting. The firm offers a combination of advisory and broker-dealer services, working with third-party asset managers and providing both discretionary and non-discretionary account options.

Jeffrey Orth is a financial advisor at Hornor, Townsend & Kent, LLC with 27 years of industry experience. He holds the ChFC® designation and the Series 63 license. Orth has been affiliated with Penn Mutual Life Insurance Company and Hornor, Townsend & Kent since 1998. Outside of his advisory role, he is the proprietor of an insurance brokerage specializing in multi-line insurance products and serves as a board member of Gavilan College and a director of the Gilroy Downtown Business Association. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans, offering advisory programs, financial planning, and retirement plan consulting. The firm operates both advisory and broker-dealer services, managing approximately $8.37 billion in discretionary assets under management through third-party asset manager relationships.

Michael Napoli is a financial advisor with Private Advisor Group, LLC, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. His career includes roles at LPL Financial, Strategic Wealth Advisor Group, Wells Fargo, and Citigroup Global Markets. Napoli is also involved with Nexa Mortgage, where he refers clients for mortgage services to assist with loan education and rate savings. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans, offering portfolio management, financial planning, retirement consulting, and access to a range of managed account solutions. The firm employs a fiduciary-based advisory model, using both proprietary and third-party strategies to tailor investment solutions to client goals and risk tolerances.

Michael Elder is a financial advisor with Commonwealth Financial Network in Campbell, CA, holding Series 63 and Series 66 designations and bringing 25 years of industry experience. He has been the owner of Cornerstone Investment Associates, Inc. since 2006, a private entity facilitating securities, advisory, and insurance business. Commonwealth Financial Network serves a national network of approximately 2,950 advisors and their retail and institutional clients, providing advisory programs and services alongside back-office support including operations, trading, technology, compliance, and practice management. The firm offers a range of investment programs and model portfolios managed through a structured due-diligence process.

Daniel Newquist is a CFP® with 26 years of industry experience, currently serving at Focus Partners Wealth, LLC. His prior roles include positions at The Colony Group, Buckingham Strategic Wealth, and SECURITIES AMERICA. He has also been involved with the Charter School of Morgan Hill Foundation. Focus Partners Wealth, LLC serves individuals, high-net-worth families, family offices, corporate and institutional clients, offering comprehensive wealth management and advisory services. The firm emphasizes long-term, tax- and fee-sensitive portfolio construction using an enhanced open architecture framework that integrates active and passive strategies, third-party managers, and private funds.

Daniel May is a financial advisor with Focus Partners Wealth, LLC, holding Series 63 and Series 66 licenses and bringing 34 years of industry experience. His prior roles include positions at The Colony Group, Buckingham Strategic Wealth, SECURITIES AMERICA, RNP Advisory Services, Foothill Securities, and Charles Schwab. Outside of his advisory work, he participates in the Los Gatos Networking Group, where he occasionally assists with report and analysis support. Focus Partners Wealth serves individuals, high-net-worth families, family offices, and institutional clients with a broad range of wealth management and advisory services. The firm employs a long-term, tax- and fee-sensitive investment approach combining active and passive strategies within an enhanced open-architecture framework.

Shiva Porter is a financial advisor at Principal Financial Services with 13 years of industry experience. He holds Series 63 and Series 66 designations and has worked at notable firms including JP Morgan Chase Bank and Edward Jones. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and charitable organizations. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager asset allocation and separately managed account solutions.

Scott Mcdougall is a financial advisor with Fifth Third Securities, Inc. in Watsonville, California, holding Series 63 and Series 65 credentials and has 11 years of industry experience. His prior roles include positions at J.P. Morgan Securities, LPL Financial, BMO Harris Bank, and First Bank of Highland Park. He was also involved with Scott Mcdougall Photography, LLC for nine years. Fifth Third Securities, Inc. serves individual and institutional clients through both advisory and brokerage services, offering a range of investment programs including mutual funds, SMA strategies, tax overlays, and direct indexing. The firm operates as a wholly owned subsidiary of Fifth Third Bank and manages approximately $10.9 billion in assets.

Abraham Rivera is a financial advisor with Merrill in Watsonville, CA, holding a Series 66 designation and two years of industry experience. He has worked at Bank of America, N.A. since 2024 and was previously employed at Hartnell College for 14 years. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individual, high-net-worth, and institutional clients.

Diana Brenneise is a financial advisor with Edward Jones, holding a Series 66 designation and possessing eight years of industry experience. She has been with Edward Jones since 2013. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, with approximately $1.01 trillion in assets under management supported by a large nationwide network of advisors and branch offices. The firm offers a range of advisory programs including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Lukas Fortino is a financial advisor with Edward Jones in Gilroy, CA, holding a Series 66 designation and three years of industry experience. He previously worked at Doyle's Work Company for eight years and at Gilroy High School for four years. Fortino serves as a Finance Committee Member for the Gilroy Foundation and as Board Member and Investment Committee Chair for the Rotary Endowment in Gilroy. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients with a range of investment strategies and affiliated services. The firm manages approximately $1.01 trillion in assets through a nationwide network of financial advisors and branch offices.

Jose Cerda is a financial advisor with J.P. Morgan Securities in Watsonville, CA, holding Series 63 and Series 66 designations and six years of industry experience. He has worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2019. Prior to his current roles, his work history includes positions at Target Corporation, Red Robin Gourmet Burgers, Inc., and San Jose State University. 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. The firm delivers its program on a non-discretionary basis, combining institutional advisory operations with affiliated brokerage, distribution, and investment management capabilities.

Koby Lieu is a financial advisor at Raymond James Financial with two years of industry experience. He holds a Series 66 designation and has worked with various branches of Raymond James since 2021. Outside of his advisory role, he serves as an independent contractor providing support services to Wealthstone Asset Management Group. Raymond James Financial Services Advisors, Inc. offers financial planning and investment consulting to individual, high-net-worth, institutional, and corporate clients. The firm utilizes tailored, non-discretionary planning and analytical tools to align investment strategies with client goals, and additionally supports municipal and public finance work through a specialized advisory affiliation.

Nicholas Maes is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 credentials and three years of industry experience. He has worked at PFS Investments Inc. since 2023 and has a history of positions in both financial services and education. His activities include the sale of investment-related products and non-investment products such as home security and automation services through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm operates at scale with nearly 3,700 advisors and manages approximately $15.5 billion in assets, delivering advisory services primarily through model-driven strategies and discretionary separately managed accounts.

John Plaza is a financial advisor at OSAIC with 40 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Securities America Advisors, Inc. and Securities America, Inc. for over two decades. Outside of advisory services, he is involved in term life insurance marketing and sales through his insurance brokerage activities. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and investment advisory services using advanced asset-allocation tools and offers access to various third-party money managers and managed-account solutions.

Victor Acevedo is a financial advisor with J.P. Morgan Securities and holds Series 63 and Series 65 licenses. He has 15 years of industry experience, including roles at UnionBanc Investment Services and Union Bank prior to joining J.P. Morgan. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework. The firm delivers non-discretionary advice through a select group of Wealth Advisors while clients retain final decision-making authority.

Sneh Jolly is a financial advisor with Osaic Wealth, Inc. based in San Jose, CA, holding Series 63 and Series 65 licenses and has 11 years of industry experience. Prior to joining Osaic in 2024, Jolly worked at Securities America Advisors, Wells Fargo Clearing, Wells Fargo Advisors, and Wells Fargo Bank. Jolly is also involved in proprietary trading of personal capital through an LLC. Osaic Wealth, Inc. serves a broad mix of retail and institutional clients, providing integrated brokerage and advisory services, financial planning, and access to third-party money managers. The firm utilizes asset-allocation tools, risk tolerance assessments, and automated rebalancing across a variety of investment products, managing accounts on discretionary or non-discretionary bases.

Rajvinder Budwal is a financial advisor at OSAIC with 32 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Sagepoint Financial, Inc. for 14 years. Outside of his advisory role, he provides notary public services and owns a living trust services business. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services across multiple platforms, using a range of tools and third-party solutions to construct and manage client portfolios.

Sadaf Rashidi Nezami is a financial advisor at Cetera with two years of industry experience. She holds Series 65 and Series 63 licenses and has previously worked at Ameriprise, Golden 1, Hertz, and 1st United Credit Union. Outside of her advisory role, she is a co-founder and administrative support of Seashell Inc., operating under the name Budget Blinds, a retail window covering business. Cetera Investment Advisers LLC serves individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts through a national network of independent advisors. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform that includes affiliated and third-party model portfolios and various program options.

Mark Radesic is a financial advisor at Raymond James Financial with 21 years of industry experience and holds a Series 66 designation. He has worked with several entities within the Raymond James network since 2021 and previously with Unionbanc Investment Services. Outside his advisory role, he serves as an officer in a support company, WAMG & Co Inc. Raymond James Financial Services Advisors, Inc. provides comprehensive financial planning and investment consulting to a diverse client base, including individuals, institutions, and charitable organizations. The firm employs analytical tools to tailor non-discretionary planning and encourages implementation through its advisory programs while supporting specialized services such as municipal advisory and SIMPLE IRA employer consulting.