Calvin Celentano is a financial advisor at Schwab Wealth Advisory with 14 years of industry experience. He holds the CFP® and CFA® designations and has worked at firms including Fidelity Investments, TD Ameritrade, and Epstein and White Financial LLC. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, using Charles Schwab’s asset allocation models and research tools. The firm’s advisors recommend investments but do not exercise discretionary trading authority, conducting at least annual account reviews.

Scott Fosmark is a CFP® with 25 years of experience in the financial services industry. He is currently affiliated with Commonwealth Financial Network and co-owns Monterey Custom Wealth Management. Prior to this, he worked at UBS Financial Services for 12 years. Outside of his advisory work, he is involved in a fishing company based in Carmel, CA. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and hundreds of thousands of clients. The firm provides a variety of managed-account programs, third-party asset management access, and back-office services to support personalized investment strategies.

Marian Deering is a CFP® professional affiliated with Commonwealth Financial Network, with 27 years of experience in the financial services industry. She has previously worked at UBS Financial Services and is currently Co-Owner of Monterey Custom Wealth Management. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of nearly 2,900 advisors and their individual and institutional clients, offering a broad platform that includes managed-account programs, third-party asset manager access, retirement consulting, and custody services.

John Griffin Jr. is a financial advisor with Osaic Advisory Services, LLC, holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. His prior roles include positions at Arbor Point Advisors and Securities America Advisors. Outside of his advisory work, he serves on the Cortina Homeowners Association board and coordinates a scholarship fund for North Salinas High School graduates. Osaic Advisory Services, LLC is an SEC-registered investment adviser serving a diverse client base including individuals, pension plans, corporations, trusts, charitable organizations, and government entities. The firm provides investment management, financial planning, retirement plan consulting, and related services through multiple program models that utilize proprietary and third-party platforms.

Holly Beyer is a Series 66-licensed financial advisor with First Command Advisory Services, where she has worked for six years. Her background includes roles in financial planning and insurance services at First Command, as well as experience in media and education with organizations such as The Dayton Daily News and Bowling Green State University. First Command Advisory Services is an SEC-registered investment adviser serving individuals, corporate, and charitable clients, with a focus on active-duty service members and their families. The firm offers comprehensive financial planning and multiple wrap-fee asset management programs using centrally managed model portfolios and approved third-party managers.

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.

Scott Mcdougall is a financial advisor with Fifth Third Securities, Inc. in Watsonville, California, holding Series 63 and Series 65 credentials and has 11 years of industry experience. His prior roles include positions at J.P. Morgan Securities, LPL Financial, BMO Harris Bank, and First Bank of Highland Park. He was also involved with Scott Mcdougall Photography, LLC for nine years. Fifth Third Securities, Inc. serves individual and institutional clients through both advisory and brokerage services, offering a range of investment programs including mutual funds, SMA strategies, tax overlays, and direct indexing. The firm operates as a wholly owned subsidiary of Fifth Third Bank and manages approximately $10.9 billion in assets.

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 designations and bringing 16 years of industry experience. She previously worked with J.P. Morgan Securities and JPMorgan Chase Bank before joining LPL Financial and Bay Federal Credit Union in 2020. 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 offers a wide range of advisory programs, financial planning, and retirement plan consulting, with access to model portfolios, research, and technology-driven investment solutions.

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.

Abraham Rivera is a financial advisor at Merrill with Series 66 credentials and one year of industry experience. He has worked at Bank of America, N.A. since 2024 and was previously employed by Hartnell College for 14 years. 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 investment strategies for individuals, high-net-worth clients, and institutions.

Diana Brenneise is a financial advisor with Edward Jones, holding a Series 66 designation and possessing eight years of industry experience. She has been with Edward Jones since 2013. 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 supported by a large nationwide network of advisors and branch offices. The firm offers a range of advisory programs including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

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 at Fidelity with one year of industry experience. He holds a Series 66 designation and has previously worked at Pence Financial Group, Charles Schwab, Integris Wealth Management, and UTE Isbill Williams Estate Planning Attorney. Outside of his advisory role, he has worked as a banquet server at Cypress Point Club. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including charitable and registered investment company accounts. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction, offering discretionary and non-discretionary advisory services along with model portfolios to intermediary platforms.

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.

Jose Cerda is a financial advisor with J.P. Morgan Securities in Watsonville, CA, holding Series 63 and Series 66 designations and six years of industry experience. He has worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2019. Prior to his current roles, his work history includes positions at Target Corporation, Red Robin Gourmet Burgers, Inc., and San Jose State University. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm delivers its program on a non-discretionary basis, combining institutional advisory operations with affiliated brokerage, distribution, and investment management capabilities.

James Ritchie is a financial advisor with Wells Fargo Advisors in Pacific Grove, CA, holding Series 63 and Series 65 credentials and bringing 28 years of industry experience. He has been with Wells Fargo Advisors Financial Advisors, LLC since 2016. Ritchie is also a trustee for the Tavistock Wealth Management, Inc. 401(k) plan. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutional clients, offering a broad range of planning options tailored to clients who meet specific net-worth criteria. The firm’s advisory approach combines proprietary research and planning tools with client-directed implementation across multiple financial products and services.