Joshua Bennett is a financial advisor with Primerica Advisors in Clovis, CA. He holds Series 63 and Series 65 licenses and has recently begun his advisory career. His prior experience includes roles in education and brief tenures at Moss Adams and California State University, Monterey Bay. Bennett is also involved in sales of loan products and home-related services through Primerica-affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed accounts under a wrap-fee structure. The firm curates third-party asset managers and delegates trading responsibilities to BNY Mellon Advisors.

Thomas Gutshall is a financial advisor with Primerica Advisors in Salinas, CA, holding Series 63 and Series 65 licenses and with three years of industry experience. Prior to his current role, he has held various positions including work at PFS Investments Inc. and Primerica Financial Services. Outside of advisory work, he is involved in sales of home security, automation, and loan products through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm uses model-driven strategies managed by third-party asset managers and supports trade execution and custody through BNY Mellon Advisors and Pershing.

Joseph Arellano Jimenez is a financial advisor with Edward Jones in Salinas, CA, holding a Series 66 designation and having one year of industry experience. Prior to joining Edward Jones in 2024, he worked at Northwestern Mutual Investment Services LLC and Northwestern Mutual Life Insurance Company. He also has experience in real estate with DealMakers Realty and served at the Monterey County Office of Education. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of investment and advisory solutions, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets through a nationwide network of over 23,000 financial advisors and 15,000 branch offices.

Eugene Ganeles is a financial advisor at Cetera with 14 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Avantax and Avantax Insurance Agency prior to joining Cetera. He is also president and owner of Ganeles & Associates, a CPA firm, and serves as a trustee and member of local organizations including the Monterey Peninsula Chamber of Commerce and the Rotary Club of Monterey. Cetera Investment Advisers LLC is an SEC-registered adviser that serves individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management, financial planning, and retirement services using various program platforms and investment strategies.

Haley Hitchman is a financial advisor at LPL Financial with 15 years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at Commonwealth Financial Network and Hastie Financial Group. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs with both discretionary and non-discretionary management options, supported by research from LPL Research and third-party subadvisors.

Semen Solgan is a financial advisor at LPL Financial with 15 years of industry experience. He holds a Series 66 designation and has worked at LPL Financial since 2019, following six years with Cuso Financial Services and ongoing involvement with Bay Federal Credit Union since 2013. 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 range of financial planning and advisory services, including model portfolios and retirement plan consulting.

Frank Dyer is a financial advisor at Stifel with 46 years of industry experience. He has held his role at Stifel Nicolaus & Co. Inc. since 2008. He holds Series 63 and Series 66 designations and is based in Monterey, California. Stifel serves a broad range of clients including individuals, institutional clients, and charitable organizations, providing both brokerage and investment advisory services. The firm uses a proprietary methodology developed by its Investment Strategy Group to support asset allocation and planning analyses, with clients retaining discretion over implementation.

Michael Willis is a financial advisor with LPL Financial, holding Series 63 and Series 65 designations and over 30 years of industry experience. He has been with LPL Financial since 2007 and also operates Willis Financial Management, which offers income tax preparation and fixed insurance services alongside investment management. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, banks, corporations, and charitable organizations. The firm provides various advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by model portfolios and research.

Michael Mccloud is a financial advisor at Ameriprise with 28 years of industry experience. He holds Series 63 and Series 66 designations and previously worked at Stifel Nicolaus & Co Inc for 16 years. Outside of his advisory role, he is involved in multi-family real estate ownership in Salinas, California. Ameriprise provides retirement-income planning services primarily for clients approaching or in retirement who meet specific asset criteria, combining research and modeling with tax-efficient strategies. The firm also offers a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

John Giammanco is a financial advisor at Ameriprise with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Wells Fargo Advisors and Wells Fargo Clearing before joining Ameriprise in 2023. Outside of financial services, he is a co-owner of Sahara Sun Tanning, a retail business in Monterey, California. Ameriprise provides retirement-income planning services primarily for clients with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary recommendations through a centralized consulting team.

Carlos Fullen is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. He holds Series 63 and Series 66 licenses and has been with J.P. Morgan in various capacities since 2013. Based in Salinas, CA, he has worked within both J.P. Morgan Securities and JP Morgan Chase Bank. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Cydney Crampton is a financial advisor at RBC Capital Markets with 42 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at both City National Bank and RBC Capital Markets, where she has been employed since 2008. Crampton serves as the elected Secretary of the Board for the Foundation of California State University, Monterey Bay. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, and charitable organizations. The firm offers a range of advisory programs and portfolio management services, tailoring investment strategies to clients’ risk profiles through a combination of in-house and third-party managers.

Thomas Bair is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and 15 years of industry experience. His work history includes roles at the U.S. Census Bureau, Schneider National, Inc., PFS Investments, Inc., and Primerica Financial Services. In addition to his advisory role, he is involved in the sale of home security and automation products through a Primerica affiliate. Primerica Advisors offers discretionary asset management primarily through its Lifetime Investment Program, which provides model-delivery strategies and limited separately managed account options to individual and high-net-worth clients. The firm curates third-party asset managers and employs a tiered wrap-fee structure for its services.

Deborah Josue is a financial advisor with Edward Jones in Monterey, California, holding a Series 66 license and six years of industry experience. Prior to joining Edward Jones in 2020, she worked at the Hilton San Francisco Union Square for four years. Outside of her advisory role, she has been involved as a brand ambassador for a jewelry business. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, supported by a large nationwide network of financial advisors and branch offices.

John Giammanco is a financial advisor with Ameriprise in Salinas, CA, holding a Series 66 designation and five years of industry experience. His prior roles include positions at Wells Fargo Clearing Services, Shine, Coastal Dispensary, New Level Collective, and Genuine Restaurant Concepts. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets, offering written recommendation reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm employs a centralized retirement-income consulting team and uses a combination of research, modeling, and algorithmic tools to generate tailored recommendations.

Johnny Castaneda is a Series 66-licensed financial advisor with Ameriprise in Gonzales, CA, and has 24 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency analysis to provide written Recommendation Reports. The firm serves clients through a large institutional platform that includes advisory, brokerage, and insurance solutions.

Juan Maranon is a financial advisor with J.P. Morgan Securities LLC, holding Series 63 and Series 66 licenses and seven years of industry experience. Prior to joining J.P. Morgan, he worked at Wells Fargo Clearing Services and served in the United States Marine Corps. Outside of his advisory role, he is an owner and partner in two small businesses: E.M. Studios, specializing in embroidery and graphic printing, and Country Wildflower & Company, a retail store focused on western apparel and accessories. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm delivers these services through a combination of advisory and brokerage capabilities, relying on a centralized due-diligence process and a non-discretionary program where clients retain final decision-making authority.

Tony Minami is a financial advisor with OSAIC based in Salinas, CA, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. He has worked at Royal Alliance since 2012 and operates a sole proprietorship involved in selling insurance and annuities. Outside of his advisory role, Minami also engages in ridesharing as a driver for Lyft and Uber and creates content for a YouTube channel. OSAIC serves a diverse client base, including retail and institutional investors, offering a range of advisory and brokerage services supported by asset-allocation tools and access to third-party money managers. The firm operates multiple advisory platforms and integrates complex corporate structures and commercial arrangements in its service delivery.

Joseph Irwin is a financial advisor at Primerica Advisors with two years of industry experience. He holds Series 63 and Series 65 licenses and has prior experience with PFS Investments Inc. and Primerica Financial Services. Outside of advising, he works as an apprentice land surveyor with Central Coast Surveyors. Primerica Advisors is a large institutional firm serving primarily individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm offers a wrap-fee asset management program that utilizes model-delivery strategies developed by unaffiliated asset managers and provides custody and trade execution services through established custodians.

Juan Aldama is a financial advisor with Merrill in Salinas, CA, holding a Series 66 designation and eight years of industry experience. He has worked at Bank of America and Merrill since 2011, totaling 15 years with these firms. Outside of his advisory role, he holds a power of attorney position in a non-investment related entity. 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 individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.