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 in Salinas, CA, holding Series 63 and Series 66 licenses and bringing eight years of industry experience. Prior to joining J.P. Morgan Securities and JPMC Bank, he worked at Wells Fargo in various capacities for ten years and served in the United States Marine Corps for eight years. Outside of finance, he is a partner and owner of two small businesses: E.M. Studios, an embroidery and graphic printing company, and Country Wildflower & Company, a retail store specializing in western apparel and accessories. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a selective wealth advisor program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm employs a research-driven advisory process supported by centralized due diligence and offers a broad range of asset management services, including derivatives and commodities capabilities.

Tony Minami is a financial advisor with OSAIC based in Salinas, CA, holding Series 63 and Series 66 designations and bringing 25 years of industry experience. He has been affiliated with Royal Alliance since 2012 and operates a sole proprietorship involved in selling insurance and annuities. Outside of his advisory work, Minami is active as a rideshare driver for Lyft and Uber and creates content for a YouTube channel. OSAIC Wealth serves a diverse client base including retail and institutional investors, offering a broad range of brokerage and advisory services with a focus on model-based asset allocation and portfolio optimization. The firm supports various investor types through a multi-advisor platform that includes comprehensive financial planning and third-party money manager programs.

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.

Kai Langenberg is a financial advisor at J.P. Morgan Securities with 20 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Chase Bank and J.P. Morgan Securities since 2019. Prior to that, he was affiliated with Farmers Financial Solutions and Farmers Insurance. J.P. Morgan Securities provides institutional consulting services primarily to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research and offers access to a broad range of strategies including those with an ESG focus.

Douglas Gutshall is a financial advisor with Primerica Advisors in Salinas, CA, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 1993. Outside of his advisory role, he tutors for Classical Conversations, an educational organization. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, which offers model-delivery strategies and a limited number of separately managed account options primarily for individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap-fee structure for its services.

Larry Nelson is a financial advisor with Ameriprise in Salinas, CA, holding a Series 63 designation and 33 years of industry experience. He previously worked at American Express Financial Advisors Inc. for 28 years before joining Ameriprise in 2020. Outside of his advisory role, he assists his daughter with a small business venture called Sunflower Suds & Scissors. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement with significant investable assets, providing detailed recommendation reports on income sources, Social Security options, and tax-smart withdrawal strategies. As a large institutional firm, it delivers a broad range of advisory, brokerage, and insurance solutions through affiliated companies.

Dorothy Belville is a CFP® professional with 46 years of experience in the financial industry. She is currently with Cetera and has been associated with Cetera Advisors LLC since 2013 and with Belville Financial Advisors since 1985. Outside of her advisory work, she serves as executive director of Sauver Ranch, a sanctuary for abused animals. Cetera Investment Advisers LLC is a national SEC-registered advisory firm serving individual, employer-sponsored retirement, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and consulting services through a multi-manager platform with access to affiliated and third-party managers, and serves over 10,000 advisors and roughly 800,000 clients.

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.

Deni Patton is a financial advisor at Cetera with 43 years of industry experience and holds a Series 63 designation. Prior to joining Cetera in 2013, Patton worked at IFG Advisory Services Inc. for seven years. Outside of advising, Patton operates Integrated Management Group, a financial services business. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base that includes individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and consulting services through a multi-manager platform with access to both affiliated and unaffiliated third-party managers.

Joshua Irwin is a financial advisor with Primerica Advisors in Salinas, CA, holding Series 65 and Series 63 licenses and five years of industry experience. His prior roles include positions at PFS Investments Inc., United Parcel Service, and WIS International. He is also involved in sales of loan products and home-related services through affiliates of PFS Investments Inc. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including high-net-worth clients, as well as corporate and charitable clients. The firm delivers advisory services through a model-driven approach supported by unaffiliated asset managers and provides custody and trade execution through Pershing.

Nicole Leffingwell is a financial advisor with Primerica Advisors in Salinas, CA, holding Series 63 and Series 65 licenses and 18 years of industry experience. Her prior roles include office management and corporate secretary positions at Northgate Design, Inc., alongside various positions in outdoor recreation and wellness businesses. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients, utilizing model-driven investment strategies and discretionary management supported by established custody and trade execution services.

David Jenkins is a financial advisor with Ameriprise in Salinas, CA, holding a Series 66 designation and 25 years of industry experience. He previously worked at Bank of America and Merrill Lynch. Jenkins serves on the board of directors for Partners for Peace, a local nonprofit organization. Ameriprise provides retirement-income planning services targeted at individuals nearing or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary recommendations and offers a broad range of advisory, brokerage, and insurance solutions.

Charles Leupold is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 credentials and 11 years of industry experience. He has worked with Primerica Advisors since 2021 and previously spent eight years at PFS Investments Inc. In addition to his advisory role, he is involved in sales of home security and automation products through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and a limited number of separately managed account options primarily for individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap-fee structure for its services.

Cintia Sanchez Rivera is a financial advisor at Merrill with six years of industry experience. She holds a Series 66 designation and has been with Merrill and Bank of America since 2017. Prior to her current role, she was involved with Mi Pueblo Newco LLC and Mi Pueblo #20 from 2013 to 2017. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program for a range of clients including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers model-based and discretionary investment strategies constructed by internal and third-party managers.

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.

Michael Sanchez is a financial advisor at Merrill with one year of industry experience. He holds a Series 66 designation. His work history includes roles at Bank of America, Merrill, Central Coast Federal Credit Union, and prior experience outside the financial industry in food service and education. 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 strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.