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®-certified financial advisor with 25 years of industry experience, currently serving at Wells Fargo Clearing since 2016. She previously worked at Merrill from 2001 to 2008. In addition to her advisory role, she serves as Investment Committee Chairperson for the Vetrans Transition Center in Marina, CA. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

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.

Daniel Kreer Jr. is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and bringing 53 years of industry experience. He has worked with Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Outside of his advisory work, he serves on the York School Board of Trustees. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing advisory programs to individuals and institutions, including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers a broad range of retail and institutional investment services.

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.

Eduardo Munoz Perez is a financial advisor at Edward Jones with three years of industry experience. Prior to joining Edward Jones in 2025, he worked at Merrill Lynch (Bank of America) for six years. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a wide range of investment advisory services, including discretionary and non-discretionary strategies, separately managed accounts, and proprietary mutual funds, supported by a large national network of financial advisors and branch offices.

David Boland is a financial advisor with UBS Financial Services, holding Series 63 and Series 65 credentials and 27 years of industry experience. His career includes prior roles at Merrill Lynch and Bank of America. He is based in Carmel By The Sea, CA. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, employing model-based asset allocations and proprietary research to tailor financial plans. The firm combines institutional trading capabilities with wealth management services, including discretionary portfolio management and capital markets activities.

Lauren Stiteler is a financial advisor at Charles Schwab with 18 years of industry experience. She holds a Series 66 designation and has been with Charles Schwab and Charles Schwab Bank since 2008. 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 discretionary separately managed accounts, supported by multi-asset model portfolios and due diligence on alternative investments.

Imelda Renteria is a financial advisor with UBS Financial Services in Carmel, CA, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. She has been with UBS since 2015. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a range of brokerage and advisory offerings, combining institutional trading capabilities with wealth management services and utilizing proprietary research and model-based asset allocations to tailor investment plans.

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 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 with Ameriprise in Monterey, CA, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He previously worked at Wells Fargo Clearing for seven years before joining Ameriprise in 2023. Outside of advisory work, he is a co-owner of Sahara Sun Tanning, a retail business in Monterey. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, with a specialized Premier Retirement Income service that provides retirement planning advice through a centralized team. The firm’s approach includes asset allocation, withdrawal strategies, and Social Security planning, with recommendations supported by proprietary research and third-party data.

Herbert Harrison Jr. is a financial advisor with Wells Fargo Clearing, holding a Series 63 designation and over 44 years of industry experience. He 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 through more than 14,000 advisors and offers both brokerage and advisory solutions.