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 LLC, holding Series 63 and Series 66 licenses and seven years of industry experience. Prior to joining J.P. Morgan, he worked at Wells Fargo Clearing Services and served in the United States Marine Corps. Outside of his advisory role, he is an owner and partner in two small businesses: E.M. Studios, specializing in embroidery and graphic printing, and Country Wildflower & Company, a retail store focused on western apparel and accessories. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm delivers these services through a combination of advisory and brokerage capabilities, relying on a centralized due-diligence process and a non-discretionary program where clients retain final decision-making authority.

Tony Minami is a financial advisor with OSAIC based in Salinas, CA, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. He has worked at Royal Alliance since 2012 and operates a sole proprietorship involved in selling insurance and annuities. Outside of his advisory role, Minami also engages in ridesharing as a driver for Lyft and Uber and creates content for a YouTube channel. OSAIC serves a diverse client base, including retail and institutional investors, offering a range of advisory and brokerage services supported by asset-allocation tools and access to third-party money managers. The firm operates multiple advisory platforms and integrates complex corporate structures and commercial arrangements in its service delivery.

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 certifications and has been with J.P. Morgan since 2019. Prior to joining J.P. Morgan, he worked at Farmers Financial Solutions and Farmers Insurance from 2016 to 2019. J.P. Morgan Securities provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and incorporating an ESG eligibility framework in its recommendations.

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® with 45 years of industry experience, currently serving as a financial advisor at Cetera. She has been associated with Cetera Advisors LLC since 2013 and has operated her own firm, Belville Financial Advisors, since 1985. Outside of her advisory work, she is the executive director of Sauver Ranch, a sanctuary for abused animals. Cetera Investment Advisers LLC is an SEC-registered firm that supports a nationwide network of independent advisors serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through multi-manager platforms and various program structures.

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.

Deni Patton is a financial advisor with Cetera, holding a Series 63 designation and over 42 years of industry experience. Patton has been with Cetera Advisors LLC since 2013 and joined Cetera in 2024. Outside of this role, Patton owns and operates Integrated Management Group, a financial services business. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with access to a variety of portfolio management services and third-party money managers, managing over $256 billion in assets through a network of more than 10,000 advisors.

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 WIS International, United Parcel Service, and PFS Investments Inc. He also has involvement in sales of loan products and home-related services through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients, utilizing model-driven strategies managed by third-party asset managers and supported by custodial and trade execution services from Pershing.

Nicole Leffingwell is a financial advisor with Primerica Advisors in Salinas, CA, holding Series 63 and Series 65 licenses and 17 years of industry experience. Her prior work includes roles at Rejuv At Work, Mt Shasta Engineering, and several small businesses where she held positions ranging from office management to ownership. Outside of advising, she serves as an office manager and corporate secretary for Northgate Design, Inc. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and limited discretionary separately managed accounts primarily to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap-fee structure for its 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.

Julie King is a financial advisor at LPL Financial with one year of industry experience. She has also worked at Pierce King, P.C., a professional law corporation, since 2012. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual clients, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers various advisory programs, financial planning, retirement plan consulting, and brokerage services, utilizing model portfolios, research, and technology-driven strategies.