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.

Frank Koucky III is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. He has worked at LPL Financial since 2009 and previously spent eight years at Wells Fargo Clearing. He operates a separate business entity named Blair Financial Group, LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and asset management services, combining advisory platforms with non-advisory financial activities and oversight of substantial discretionary assets.

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.

Randall Green is a financial advisor at Wells Fargo Advisors with 45 years of industry experience. He holds Series 63, 65, and 66 credentials and has previously worked at Bank of America, Merrill, and UBS Financial Services. Outside of his advisory work, he owns several automotive-related businesses including Vintage Autosports LLC and Scuderia Furia LLC. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services. The firm offers a broad range of planning services using proprietary research and tools, with an emphasis on tailored recommendations delivered through advisory and brokerage programs.

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.

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.

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 with LPL Financial, holding one year of industry experience. She has worked at LPL Financial since 2025 and has been associated with Pierce King, P.C., a professional law corporation, since 2012. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of investment programs, including financial planning, third-party asset management, and institutional platforms, supported by both discretionary and non-discretionary strategies.

Paul Cahalan is a financial advisor with Ameriprise Financial Services, holding Series 63 and Series 66 credentials and bringing 36 years of industry experience. Prior to joining Ameriprise in 2024, he spent 16 years with Stifel Nicolaus & Co Inc and 11 years at A. G. Edwards & Sons, Inc. He is based in Monterey, California. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service focused on retirement-income planning with written recommendations and ongoing advice, utilizing a centralized service team and a range of proprietary and third-party tools.

Aghahowa Igbinovia is a Series 66-licensed financial advisor with J.P. Morgan Securities, bringing 11 years of industry experience. He has been with J.P. Morgan Securities since 2014 and is involved in soccer coaching and development through his role at Hollister Soccer Academy. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments, focusing on non-discretionary, written asset allocation advice combined with manager searches and customized performance reporting. The firm’s advisory process is supported by centralized due diligence and incorporates systematic research and ESG eligibility considerations.

John Musni is a financial advisor at Edward Jones in Salinas, CA, holding Series 63 and Series 65 licenses with 32 years of industry experience. He has been with Edward Jones since 2002. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages over $1 trillion in assets and offers a range of advisory programs and investment strategies supported by a large network of advisors and branch offices nationwide.