Kevin Newhouse is a Series 66-registered financial advisor with 16 years of industry experience. He currently works at OSAIC, having joined in 2024, and previously held positions at Securities America Advisors and Morgan Stanley Smith Barney. Outside of his advisory role, Newhouse serves as a commissioner on the Santa Cruz County Historic Resources Commission and is a steering committee member of the Aptos History Museum. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms. The firm provides integrated brokerage and investment advisory services, utilizing asset-allocation tools and third-party solutions to manage portfolios that may include various securities across discretionary and non-discretionary accounts.

Jared Zhu is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. His prior work includes roles at Bank of America, Panda Express, and UCSC Athletics and Recreation. 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 and profit-sharing plans, corporations, and charitable organizations.

Niko Gutierrez is a financial advisor with Equitable Advisors in Hollister, CA, holding a Series 66 designation and two years of industry experience. He also works as a real estate agent with Christie's International Real Estate - Sereno. Prior to his advisory role, Gutierrez held positions at California State University - Chico, Target Corporation, and San Benito High School. Equitable Advisors serves individual, high-net-worth, retirement plan, corporate, charitable, and institutional clients, offering financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates through a dual-registered model and collaborates extensively with third-party managers and LPL-sponsored programs to provide advisory and brokerage solutions.

Elizabeth Murillo is a Series 66-licensed financial advisor at Edward Jones with five years of industry experience. She worked for Wells Fargo Bank, N.A. for 21 years before joining Edward Jones in 2023. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and proprietary mutual funds.

Kristi Ellington is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. She has been with LPL Financial since 2009. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management along with model portfolios and third-party research.

Natalie Smith is a financial advisor at Osaic with four years of industry experience and holds a Series 66 designation. Her prior work includes roles at Securities America Advisors and Architectural Facades. Osaic Wealth, Inc. serves a diverse client base ranging from individual investors to corporations and charitable organizations through a wide network of financial advisers. The firm provides integrated brokerage and advisory services, utilizing asset-allocation tools and third-party platforms to construct and manage portfolios across various asset classes.

Stephanie Littleton is a financial advisor with Edward Jones in Hollister, CA. She holds a Series 66 designation and has experience at Edward Jones spanning several periods since 2015, as well as seven years at Monterey Trust Management. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and charitable organizations. The firm offers a range of investment strategies, operates under a fiduciary standard, and manages approximately $1.01 trillion in assets through a nationwide network of financial advisors and branch offices.

Mark Grisedale is a financial advisor at LPL Financial with 28 years of industry experience. He holds a Series 63 designation and has been with LPL Financial since 1997. Outside of his advisory role, Grisedale is also a practicing veterinarian and business owner. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning services, and brokerage solutions, utilizing both discretionary and non-discretionary management supported by model portfolios and research from LPL and third-party providers.

Justin Hannah is a financial advisor at Primerica Advisors with 20 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Primerica Advisors and Primerica Financial Services since 2006. Outside of his advisory role, he is self-employed as a handyman. Primerica Advisors sponsors a wrap-fee asset management program serving individual investors, as well as corporate and charitable clients. The firm utilizes model-delivery investment strategies managed by unaffiliated asset managers and offers portfolio services supported by BNY Mellon Advisors and Pershing for trade execution and custody.

Kyle Sharp is a CFP® with 15 years of experience in the financial industry. He has been with Edward Jones since 2009. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of investment solutions, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

Karl James Thoeni is a financial advisor with LPL Financial in Gilroy, CA, holding a Series 66 designation and 12 years of industry experience. He has been with LPL Financial since 2012. Outside of his advisory role, he is involved in a small business focused on sharpening knives and tools. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by proprietary and third-party research.

Luann Lauesen is a financial advisor with Edward Jones in Watsonville, CA, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience, all with her current firm since 2003. Outside of her advisory role, she is a partner in Heights Market Partnership, which manages a property related to a former grocery store owned by the partnership. 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. The firm offers a broad range of investment strategies and affiliated services through a large national network of advisors and branch offices.

Jacqueline Carrillo is a financial advisor at LPL Financial with 12 years of industry experience. She holds a Series 66 designation and has worked at RBC Capital Markets, Edward Jones, and Bay Federal Credit Union. Her current roles include advising at both LPL Financial and Bay Federal Credit Union. 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 provides a range of advisory programs, financial planning, and retirement consulting, utilizing model portfolios and research from multiple sources.

Ruth Freitas is a financial advisor at LPL Financial with 19 years of industry experience. She holds Series 63 and Series 65 designations and has worked at BancWest Investment Services and Bank of the West since 2008. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a nationwide network of advisors. The firm offers a range of advisory programs, financial planning, and retirement consulting with access to model portfolios, research, and technology-driven investment solutions.

Alfredo Algarate Tamayo is a financial advisor with Merrill, holding a Series 66 designation and four years of industry experience. His prior work includes roles at JP Morgan Chase Bank and Capitol Buick GMC. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Bradley Ledwith is a financial advisor with LPL Financial in Morgan Hill, CA, holding Series 63 and 65 credentials and 27 years of industry experience. He has been with LPL Financial since 2006. Outside of advising, he is a self-published author of a book titled *If You Are Suddenly Single? This Book Can Help*, and he serves as an executive producer for a production project. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a wide range of clients, including individuals, retirement plans, banks, and charitable organizations. The firm offers diverse advisory programs, financial planning, and retirement plan consulting, utilizing model portfolios, third-party subadvisors, and proprietary research to support both discretionary and non-discretionary management.

Rodney Acord is a financial advisor at OSAIC with 30 years of industry experience. He previously worked at Lincoln Financial Advisors Corporation from 1995 to 2025. His credentials include the Series 63 and Series 65 licenses. Outside his advisory role, he is involved in fixed and indexed annuity sales through an insurance agency he owns. OSAIC serves a wide range of retail and institutional clients, offering integrated brokerage and advisory services through a large network of affiliated advisers. The firm employs various asset-allocation and portfolio management tools and supports multiple advisory platforms, including third-party money managers and unified managed accounts.

Agustin Ramirez is a financial advisor at Primerica Advisors with 20 years of industry experience. He holds Series 63 and Series 65 designations and has worked with San Andreas Regional Center, PFS Investments Inc., and Primerica Financial Services. Outside of advisory work, he is involved in the sale of loan products and home-related services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and separately managed accounts primarily to individual and high-net-worth clients. The firm utilizes third-party asset managers and a tiered wrap-fee structure for its services.

Ignacio Ceniceros is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. He holds Series 63 and Series 66 designations. His prior experience includes roles at Bank of America/Merrill Lynch and JP Morgan Chase Bank. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

Christopher George is a financial advisor with Primerica Advisors in Watsonville, CA, holding Series 63 and Series 65 credentials and 25 years of industry experience. He has been with Primerica Advisors since 2000 and Primerica Financial Services since 1999. Outside of his advisory role, George serves on the leadership team providing pastoral support at Corralito's Community Church in Watsonville. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, which includes model-delivery strategies and a limited number of separately managed account options for individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap-fee structure, delegating trading responsibilities to BNY Mellon Advisors.