Erich Reinhardt is a financial advisor with Focus Advisor Solutions, LLC, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. His prior roles include positions at The Colony Group, LLC, Buckingham Strategic Partners, and Loring Ward Financial Inc. He is also involved with The Wealth Management Alliance as an investment advisor. Focus Advisor Solutions provides turnkey asset management and back-office services primarily to independent registered investment advisors and their clients, offering diversified mutual fund and ETF model portfolios, discretionary fixed-income management, and specialized services for retirement plans and registered investment companies.

Mark Kooiman is a CFP®-certified financial advisor with 20 years of industry experience, currently with Creative Planning. His prior roles include positions at Monterey Private Wealth, Michels Communications, and Charles Schwab. Outside of his advisory work, he serves on the board and finance committee of SunStreet Centers, a nonprofit organization focused on drug and alcohol rehabilitation. Creative Planning provides wealth management and financial planning services to a diverse client base, including high-net-worth individuals, pension plans, and corporations. The firm employs a financial-planning-led investment approach that emphasizes low-cost indexing and buy-and-hold strategies, complemented by a range of portfolio management and retirement plan services.

Jeremy Connally is a CFP® and ChFC® with 16 years of industry experience, currently serving as a financial advisor at Principal Financial Services. He previously worked at Farmers Financial Solutions and Farmers Insurance for nine years before joining Principal Securities and Principal Life Insurance Company. Outside of his advisory role, he coaches children's and beginner adult jiujitsu classes at Gracie University Monterey and supports his wife's Farmers Insurance Agency as an agency manager. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, estates, and charitable organizations. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money managers under various advisory and promoter arrangements.

Jerry Positeri is a financial advisor at Fifth Third Securities, Inc. with 40 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Ameriprise and Comerica Securities. Fifth Third Securities serves individual and institutional clients through investment advisory and brokerage channels, offering a range of program types including managed accounts, SMA strategies, and direct-indexing options. The firm is a wholly owned subsidiary of Fifth Third Bank and supports clients with various investment solutions across a large-scale enterprise.

Edward Lopez is a financial advisor with Empower Advisory Group in Salinas, CA, holding Series 63 and Series 66 credentials and 23 years of industry experience. He has been with Gwfs Equities Inc/Great West Life & Annuity Insurance Company since 2006. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to Empower Premier IRA and certain retail brokerage account holders. The firm delivers services through an integrated model connected to Empower’s recordkeeping and administrative platforms, emphasizing long-term portfolio returns and clients’ savings rates.

Ericka Gutshall is a financial advisor with Primerica Advisors in Salinas, CA, holding Series 63 and Series 65 licenses and 29 years of industry experience. She has been with Primerica Advisors since 1996 and also works as a classical tutor. Gutshall is a member of the Salinas Valley Chamber of Commerce. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm curates third-party asset managers and uses a tiered wrap-fee structure for its services.

Patricia Miranda is a Vice President and Financial Consultant at Fidelity Investments, a position she has held since 2024. She has been serving clients for over twenty-five years, focusing on helping them pursue their financial goals and dreams through personalized strategies that consider their unique needs at any life stage. Her professional experience includes roles as a Financial Consultant and Workplace Financial Consultant at Fidelity Investments, as well as positions at UBS Financial Services, Toronto Dominion Securities Inc., Marathon Brokerage, Merrill Lynch Canada Inc., and the Investment Dealers' Association in Toronto. Patricia holds a CA Insurance License. Outside of her professional work, Patricia enjoys art, cooking and baking, family activities, gardening, hiking, and traveling.

Emily Quatman is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and 16 years of industry experience. She has previously worked at J.P. Morgan Securities and J.P. Morgan Chase Bank. Outside of her advisory role, she is involved with Bay Federal Credit Union and owns a rental property in Ben Lomond, CA. LPL Financial is a national broker‑dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a variety of financial planning and investment solutions, utilizing both proprietary and third-party strategies, supported by advanced operational and research tools.

Rodney Pirtle is a financial advisor with Morgan Stanley in Monterey, CA, holding a Series 63 designation and 42 years of industry experience. He has been with Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management provides a range of advisory programs to both individual and institutional clients, offering tailored financial planning supported by firm-approved tools and processes. The firm manages approximately $2.74 trillion in client assets and delivers services through Financial Advisors and its Estate Planning Strategies Group.

Catherine Marino Edwards is a financial advisor at Merrill with nine years of industry experience. She holds Series 63 and Series 66 licenses and previously worked at Morgan Stanley and Hilltop Securities Inc. before joining Merrill in 2026. 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.

Milda Esquivel is a financial advisor at Edward Jones with eight years of industry experience. She has held her current role since 2017 and previously worked with Food Thumb, LLC and Asilomar Conference Grounds, Aramark. Esquivel holds the Series 66 designation. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including both non-high-net-worth and high-net-worth households. The firm manages over $1 trillion in assets and offers a range of advisory services through a nationwide network of more than 23,000 financial advisors.

Daniel Morones Garcia is a financial advisor with Fidelity, holding a Series 66 designation and one year of industry experience. Prior to joining Fidelity, he worked at Pence Financial Group, Charles Schwab, Integris Wealth Management, and served as an estate planning attorney. Outside of his advisory role, he has worked as a banquet server at Cypress Point Club. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients. The firm employs a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, including its use of model portfolios and oversight of affiliated sub-advisers.

Mary Myles is a financial advisor with Primerica Advisors in Seaside, CA, holding Series 63 and Series 65 credentials and 36 years of industry experience. She has worked with Primerica Advisors since 1989 and Primerica Financial Services since 1991. Prior to this, she was employed by the State of California from 2001 to 2017. Outside of her advisory role, she owns a retail store in Blytheville, Arkansas, called Hudson's Corner. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, providing model-delivery strategies and discretionary separately managed account options primarily for individual and high-net-worth clients. The firm curates third-party asset managers and employs a tiered wrap-fee structure rather than fixed fees.

Martin Livingston is a financial advisor with Wells Fargo Clearing who holds Series 63 and Series 65 licenses and has 25 years of industry experience. He previously worked at Citigroup Global Markets for eight years before joining Wells Fargo in 2016. Outside of his advisory role, he serves as a trustee for a family trust. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and brokerage solutions. The firm manages approximately $671 billion in assets and employs more than 14,000 financial advisors.

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.

Diana Dirocco is a financial advisor at Ameriprise with 10 years of industry experience. She holds Series 63 and Series 66 designations. Her prior work includes positions at Wells Fargo Clearing, Springer Financial Advisors, and Merrill. Ameriprise Financial Services is a large firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning focused on dependable income sources and tax-aware withdrawal strategies.

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.

Jessica Stewart is a financial advisor with Merrill, holding a Series 66 designation and 18 years of industry experience. She has been with Merrill since 2005. 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 developed by internal Chief Investment Office teams and third-party managers for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

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.

Allison Ryan is a CFP® professional with 26 years of industry experience, currently serving at Wells Fargo Clearing since 2016. She previously worked at Merrill from 2001 to 2008. Ryan serves as the Investment Committee Chairperson for the Vetrans Transition Center in Marina, CA. Wells Fargo Advisors is a national securities firm offering investment advisory, financial planning, and retirement plan consulting services to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions supported by Wells Fargo Investment Institute research and modern portfolio theory.