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.

Gary Gordon is a financial advisor with The Partners Wealth Management in Carmel by the Sea, CA, holding Series 63 and Series 65 licenses and 28 years of industry experience. He previously worked at Hilton Capital Management and American Portfolios Financial Services, Inc. His career includes multiple roles at The Partners Wealth Management. The Partners Wealth Management serves individuals, families, trusts, estates, businesses, and retirement plans by providing investment management, financial planning, and retirement-plan advisory services. The firm offers both customized portfolios and model-based management, combining internally developed and third-party models, with advisors using the Amplify Platform for portfolio and trading management.

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.

George Chobany is a CFP® with over 43 years of experience in the financial services industry. He is currently with Osaic and has previously worked at Sagepoint Financial, Inc. and Kms Financial Services, Inc. Outside of his advisory role, he is involved as an agent with Allied WM Insurance Services LLC, providing life, health, disability, and long-term care insurance services. Osaic Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of advisory and brokerage services through a multi-advisor platform, utilizing model-based asset allocation and portfolio optimization supported by various analytical tools and investment strategies.

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.

Cathy Carlone is a financial advisor with Wells Fargo Clearing in Carmel, CA, holding a Series 66 designation and 22 years of industry experience. She has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers a wide range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Charles Evans is a financial advisor at Ameriprise with seven years of industry experience. He previously worked at City National Bank and RBC Capital Markets, LLC, as well as Cisco Systems. Outside of his advisory role, he is a co-owner of MECA Worldwide LLC, a business unrelated to investments. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement with substantial investable assets. The firm provides written Recommendation Reports using a combination of research, modeling, and tax-efficiency analysis, with an emphasis on assets held in Ameriprise Managed Accounts.

Justin Rivera is a financial advisor with Wells Fargo Advisors, holding a Series 66 credential and bringing 10 years of industry experience. He previously worked at JP Morgan Securities from 2016 to 2025. Outside of his advisory role, Rivera co-owns a business focused on writing, contracting editors, and managing publishing negotiations. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients with a broad range of investment and financial planning services, utilizing proprietary research and planning tools. The firm offers tailored, generally discrete planning engagements and integrates advisory services with multiple financial product channels.

Jacob Calderon is a financial advisor at UBS Financial Services with six years of industry experience. He holds a Series 66 designation and has been with UBS since 2018. Prior to joining UBS, he worked at Monterey Peninsula Country Club for four years. UBS Financial Services Inc. serves individual, corporate, and institutional clients by offering brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor investment plans.

Allison Ryan is a CFP® professional with 26 years of industry experience, currently serving at Wells Fargo Clearing since 2016. She previously worked at Merrill from 2001 to 2008. Ryan serves as the Investment Committee Chairperson for the Vetrans Transition Center in Marina, CA. Wells Fargo Advisors is a national securities firm offering investment advisory, financial planning, and retirement plan consulting services to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions supported by Wells Fargo Investment Institute research and modern portfolio theory.

Francisco Arevalo is a CFP® and ChFC® with four years of industry experience, currently affiliated with LPL Financial in Monterey, CA. He has previously worked at Commonwealth Financial Network and Northwestern Mutual, among other firms. Outside of his advisory role, Arevalo has been involved with Hastings College in various capacities since 2017. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning and third-party asset management, supported by a large network of investment adviser representatives.

Christoph Stapleton is a financial advisor with Ameriprise, holding Series 63 and Series 66 credentials and bringing 32 years of industry experience. He has been with Ameriprise and its affiliated entities since 2003. Outside of his advisory role, he owns Fortuitous Services, Inc., an S-corporation that assists with administrative and staffing responsibilities related to his practice. Ameriprise serves clients primarily through retirement-income planning services targeted at individuals approaching or in retirement with significant investable assets. The firm employs a centralized consulting team to deliver non-discretionary, research-driven recommendations combining modeling, tax efficiency, and adaptive withdrawal strategies.

Alexander Newman is a financial advisor with Wells Fargo Clearing in Carmel, CA, holding a Series 66 designation and three years of industry experience. Prior to joining Wells Fargo Clearing in 2022, he worked in construction with Devcon Construction and Murray and Stafford Construction. He also has a background with the University of Denver. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory approach is IPS-driven and based on modern portfolio theory, including unique investment options such as insurance-related vehicles and bank deposit sweep programs.

Sarah Nadiri is a financial advisor at Charles Schwab with seven years of industry experience. She holds the CFP® designation as well as Series 63, 65, and 66 licenses. Before joining Schwab, her work history includes roles at HUB Investment Partners, Regency Investment Advisors, and Northwestern Mutual Investment Services. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory wrap fee program and managed-account services. The firm combines non-discretionary and discretionary investment options with centralized custody and operational support.

Itzak Beleche Gonzalez is a financial advisor at Charles Schwab with five years of industry experience. He holds a Series 66 designation and has prior experience at Merrill and Bank of America. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary advisory relationships and access to affiliated discretionary separately managed accounts, supported by multi-asset model portfolios and centralized operational infrastructure.

Michael Enz is a financial advisor at UBS Financial Services with 31 years of industry experience. He holds Series 63 and Series 65 licenses and has been with UBS since 2015. Outside of his advisory work, he serves on the board of the San Benito County Heritage Foundation, participating in meetings and overseeing investment of funds. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides a wide range of capital markets resources.