John Madonna is a financial advisor at Momentum Independent Network Inc. with 42 years of industry experience. He holds a Series 63 designation and previously worked at Hilltop Securities, Inc. for 38 years. Momentum Independent Network serves a diverse client base including individual, high-net-worth, charitable, corporate, institutional, and banking clients. The firm offers advisory and brokerage services through a platform model that integrates third-party managers and specialized municipal bond strategies sponsored by Hilltop affiliates.

Anthony Madonna is a financial advisor at Momentum Independent Network Inc. with 27 years of industry experience. He has held his current position at Momentum Independent Network since 2009. Madonna holds Series 63 and Series 65 licenses. Momentum Independent Network serves individual, high-net-worth, charitable, corporate, institutional, and banking/thrift clients through advisory and brokerage relationships. The firm offers a range of services including investment advisory programs, managed accounts, financial planning, retirement plan consulting, and brokerage, execution, clearing, and custody services.

Christopher Murray is a financial advisor at Hilltop Securities Inc. in Monterey, CA, with 18 years of industry experience. He holds the Series 66 designation and previously worked at Edward Jones before joining Hilltop Securities and its independent network. Outside of his advisory role, he owns R62 Enterprises, a lifestyle apparel and gear company based in Salinas, CA. Hilltop Securities Inc. provides brokerage, execution, clearing, custody, investment advisory, and retirement-plan consulting services to a diverse client base, including individuals, corporations, nonprofits, and institutions. The firm offers a range of portfolio management programs and fiduciary services, supported by an open-architecture platform and distinctive operational features such as municipal bond strategies co-advised by Franklin Templeton Group.

Allison Barrientos is a CFP® professional with 13 years of industry experience. She has worked at Integris Wealth Management, LLC for 15 years before joining Modern Wealth Management, LLC, where she has been since 2026. Modern Wealth Management, LLC is a multi-team SEC-registered investment adviser managing approximately $10.9 billion in assets through about 94 advisors. The firm provides discretionary and non-discretionary investment management, financial planning, and modular services for individuals, high-net-worth clients, trusts, estates, and employer-sponsored retirement plans.

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 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.

Patrick Collins is a CFP® and Series 65 registered advisor with nine years of industry experience. He has been with Evanson Financial, LLC since 2026 and previously worked at Evanson Asset Management, LLC from 2014 to 2026. Evanson Financial provides investment advisory and financial planning services to individuals, trusts, retirement plan sponsors, endowments, and business entities. The fee-only firm manages approximately $5.8 billion in primarily discretionary assets, focusing on long-term strategic asset allocation using low-cost institutional mutual funds and ETFs with portfolio tilts toward small-cap and value.

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.

Christina Jenkins is a financial advisor at Commonwealth Financial Network with 10 years of industry experience. She holds a Series 66 designation and previously worked at UBS Financial Services from 2011 to 2020 before joining Commonwealth in 2020. Commonwealth Financial Network serves a national network of approximately 2,950 advisors and their retail and institutional clients, providing a range of advisory programs and services including wealth management, retirement plan consulting, and access to third-party asset managers. The firm supports advisors with operations, trading, technology, investment management, compliance, and practice management while allowing discretion in portfolio construction.

Laurence Walker II is a financial advisor with Commonwealth Financial Network in Monterey, CA, holding Series 63 and Series 65 credentials and 44 years of industry experience. He has worked at Commonwealth and Monterey Custom Wealth Management since 2020 and previously spent nine years at UBS Financial Services. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 affiliated advisors and hundreds of thousands of individual and institutional clients, managing roughly $213 billion in client assets. The firm offers a broad adviser-support platform including managed-account programs, access to third-party asset managers, retirement consulting, and custody services.

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.

Scott Fosmark is a CFP® with 25 years of experience in the financial services industry. He is currently affiliated with Commonwealth Financial Network and co-owns Monterey Custom Wealth Management. Prior to this, he worked at UBS Financial Services for 12 years. Outside of his advisory work, he is involved in a fishing company based in Carmel, CA. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and hundreds of thousands of clients. The firm provides a variety of managed-account programs, third-party asset management access, and back-office services to support personalized investment strategies.

Marian Deering is a CFP® professional affiliated with Commonwealth Financial Network, with 27 years of experience in the financial services industry. She has previously worked at UBS Financial Services and is currently Co-Owner of Monterey Custom Wealth Management. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of nearly 2,900 advisors and their individual and institutional clients, offering a broad platform that includes managed-account programs, third-party asset manager access, retirement consulting, and custody services.

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.