Kevin Newhouse is a Series 66-credentialed financial advisor at OSAIC with 16 years of industry experience. Prior to joining OSAIC, he worked at Morgan Stanley Smith Barney for 10 years and Securities America Advisors for 5 years. He serves as a commissioner on the Santa Cruz County Historic Resources Commission and is a steering committee member of the Aptos History Museum, both volunteer roles focused on local historic preservation and cultural activities. OSAIC Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporations, offering brokerage and advisory services through a multi-advisor platform with model-based asset allocation and portfolio optimization tools. The firm is notable for its scale, recent consolidation activities, and a complex affiliate network comprising broker-dealers, asset managers, insurance, and trust affiliates.

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 at Equitable Advisors with two years of industry experience and holds a Series 66 designation. Prior to joining Equitable Advisors in 2024, he has worked in real estate as an agent with Christie's International Real Estate - Sereno since 2023. Outside of advising, he serves as Secretary for The Mitch Group, Inc., a real estate services company. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients. The firm delivers advice through a network of Investment Adviser Representatives and utilizes a range of firm-offered and third-party asset management programs.

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 in Gilroy, CA, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. She has been with LPL Financial since 2009, following five years at Cetera Investment Services LLC. 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, model portfolio programs, third-party asset management, and institutional platforms, supported by technology tools and oversight of extensive discretionary assets.

Natalie Smith is a financial advisor at OSAIC with four years of industry experience. She holds the Series 66 designation and previously worked at Securities America, inc. and Architectural Facades. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform. The firm offers a range of brokerage and advisory services with an investment process that emphasizes model-based asset allocation, portfolio optimization, and the use of discretionary and advisor-managed strategies.

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 with LPL Financial in Morgan Hill, CA, holding a Series 63 license and 29 years of industry experience. He has been with LPL Financial since 1997. Outside of his advisory role, he is a business owner and veterinarian. 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 broad range of advisory and brokerage services, utilizing model portfolios, third-party subadvisors, and customized strategies across various asset classes.

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, California, 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 owns a small business focused on sharpening knives and tools. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management solutions, including access to third-party asset managers and institutional platforms.

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 with LPL Financial, holding a Series 66 designation and 12 years of industry experience. Her work history includes roles at Bay Federal Credit Union, Edward Jones, RBC Capital Markets, Merrill, B|O|S, and National Planning Corporation. She currently provides investment services in connection with Bay Federal Credit Union as part of her practice at LPL Financial. 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 financial planning and investment solutions, including model portfolios, third-party asset management, and institutional platforms, supported by advanced advisor tools and oversight of substantial discretionary assets.

Ruth Freitas is a financial advisor at LPL Financial with 19 years of industry experience. She holds Series 63 and Series 65 licenses and has worked with Bank of the West and BancWest Investment Services prior to joining LPL Financial. 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, model portfolio programs, third-party asset management, and institutional platforms.

Alfredo Algarate Tamayo is a financial advisor at Merrill with four years of industry experience. He holds a Series 66 designation and has previously worked at JP Morgan Chase Bank and Capitol Buick GMC. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, and charitable organizations.

Bradley Ledwith is a financial advisor with LPL Financial who holds Series 63 and Series 65 licenses and has 27 years of industry experience. He has been with LPL Financial since 2006. Outside of advisory work, Ledwith is a self-published author and has served as an executive producer on production projects. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management solutions, utilizing both proprietary and third-party strategies, supported by advanced operational tools.

Rodney Acord is a financial advisor at OSAIC with 31 years of industry experience. He holds Series 63 and Series 65 credentials and spent 30 years at Lincoln Financial Advisors Corporation before joining OSAIC in 2025. In addition to his advisory role, he is involved in the sale of fixed life, health, accident, and disability insurance, as well as fixed and indexed annuities through related business entities. OSAIC serves a diverse client base including retail and institutional investors, offering a range of brokerage and advisory services supported by model-based asset allocation and portfolio optimization. The firm is notable for its scale, multi-advisor platform, and comprehensive investment programs.

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 licenses and has worked with J.P. Morgan and Bank of America/Merrill Lynch during his career. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm combines quantitative and qualitative research to develop model asset allocations and incorporates an ESG eligibility framework in its recommendations.

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.