Lauren Stiteler is a financial advisor with Charles Schwab, holding a Series 66 designation and 18 years of industry experience. She has worked with Charles Schwab and Charles Schwab Bank since 2016 and previously spent a year at Fidelity Investments. Based in Carmel, CA, she provides advisory services within Schwab’s extensive wealth management platform. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment options, delivering multi-asset model portfolios and access to alternative investments through a centralized operational structure.

Imelda Renteria is a financial advisor with UBS Financial Services in Carmel, CA, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. She has been with UBS since 2015. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a range of brokerage and advisory offerings, combining institutional trading capabilities with wealth management services and utilizing proprietary research and model-based asset allocations to tailor investment plans.

Frank Dyer is a financial advisor at Stifel with 46 years of industry experience. He has held his role at Stifel Nicolaus & Co. Inc. since 2008. He holds Series 63 and Series 66 designations and is based in Monterey, California. Stifel serves a broad range of clients including individuals, institutional clients, and charitable organizations, providing both brokerage and investment advisory services. The firm uses a proprietary methodology developed by its Investment Strategy Group to support asset allocation and planning analyses, with clients retaining discretion over implementation.

Michael Mccloud is a financial advisor at Ameriprise with 28 years of industry experience. He holds Series 63 and Series 66 designations and previously worked at Stifel Nicolaus & Co Inc for 16 years. Outside of his advisory role, he is involved in multi-family real estate ownership in Salinas, California. Ameriprise provides retirement-income planning services primarily for clients approaching or in retirement who meet specific asset criteria, combining research and modeling with tax-efficient strategies. The firm also offers a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

John Giammanco is a financial advisor at Ameriprise with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Wells Fargo Advisors and Wells Fargo Clearing before joining Ameriprise in 2023. Outside of financial services, he is a co-owner of Sahara Sun Tanning, a retail business in Monterey, California. Ameriprise provides retirement-income planning services primarily for clients with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary recommendations through a centralized consulting team.

Herbert Harrison Jr. is a financial advisor at Wells Fargo Clearing with 44 years of industry experience. He holds the Series 63 designation and has worked with Wells Fargo Clearing since 2016, following a seven-year tenure at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a range of investment options including insurance-related vehicles and bank deposit sweep programs.

Sandra Dee is a financial advisor at Merrill with 36 years of industry experience. She holds Series 63 and Series 65 credentials and has worked at Merrill since 2018, following five years at UBS Financial Services Inc. Outside of her advisory role, she works as a group fitness instructor at Gold's Gym and In Shape Health Clubs. 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 institutional investors.

Elliot Ichinose is a financial advisor at Morgan Stanley with 23 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley since 2016, including roles at Morgan Stanley Private Bank. Prior to that, he was employed by Wells Fargo Advisors and Wells Fargo Clearing. Outside of his advisory work, Elliot is involved in managing rental property as a sole proprietor. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including customized financial planning that utilizes structured discovery processes and firm-approved planning tools.

Kelly Le Ho is a financial advisor with Wells Fargo Clearing in Carmel, CA, holding Series 66 and Series 63 licenses and seven years of industry experience. Kelly has worked at Wells Fargo Clearing Services LLC since 2019 and Wells Fargo Bank NA since 2014. In addition to advisory work, Kelly is a California-commissioned notary public. 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 both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Cydney Crampton is a financial advisor at RBC Capital Markets with 42 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at both City National Bank and RBC Capital Markets, where she has been employed since 2008. Crampton serves as the elected Secretary of the Board for the Foundation of California State University, Monterey Bay. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, and charitable organizations. The firm offers a range of advisory programs and portfolio management services, tailoring investment strategies to clients’ risk profiles through a combination of in-house and third-party managers.

Matthew McConnell is a financial advisor at Charles Schwab with 29 years of industry experience. He holds Series 63 and Series 66 designations. His prior experience includes 16 years at American Century Investment Services, Inc. before joining Charles Schwab and Charles Schwab Bank SSB in 2019. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment guidance using multi-asset model portfolios, supported by centralized custody and operational infrastructure.

Tyler Jaques is a financial advisor with Wells Fargo Clearing in Lake Oswego, OR, holding a Series 66 designation and 15 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2010 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans. The firm’s advisory process is IPS-driven, incorporates modern portfolio theory, and includes a range of investment options such as insurance-related vehicles and bank deposit sweep programs.

Deborah Josue is a financial advisor with Edward Jones in Monterey, California, holding a Series 66 license and six years of industry experience. Prior to joining Edward Jones in 2020, she worked at the Hilton San Francisco Union Square for four years. Outside of her advisory role, she has been involved as a brand ambassador for a jewelry business. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, supported by a large nationwide network of financial advisors and branch offices.

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.

Alex Minelli is a financial advisor at J.P. Morgan Securities with a Series 66 credential and two years of industry experience. Prior to joining J.P. Morgan Securities and JPMorgan Chase Bank, N.A., Alex worked at Merrill and Bank of America for four years each. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework when recommending strategies.

Frank Koucky III is a financial advisor at LPL Financial with 40 years of industry experience. He holds Series 63 and Series 65 credentials and has been with LPL Financial since 2009. He also operates a separate business under the name Blair Financial Group, LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management with support from proprietary and third-party research.

Michael Wallensack is a financial advisor at Wells Fargo Clearing with 53 years of industry experience. He holds the Series 63 and Series 65 designations and has been with Wells Fargo Clearing and its predecessor firms since 2009. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions. The firm’s advisory process is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

William Yakobovich is a financial advisor with Osaic Wealth Inc. holding Series 63 and Series 66 credentials and 54 years of industry experience. His prior affiliations include Independent Financial Group, LLC and NPB Financial Group, LLC. Outside of advising, he owns Unique Luxury Travel LLC, which sells cruise and vacation travel services. OSAIC Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of advisers and multiple advisory platforms. The firm provides integrated brokerage and advisory services and employs asset-allocation tools and risk assessments to manage portfolios across a broad range of investment types.

Christopher Laver is a financial advisor at UBS Financial Services with 44 years of industry experience. He holds Series 63 and Series 65 licenses and has been with UBS since 2015. Outside of his advisory work, he serves as the executor of the Katie Clancy estate. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory services, including portfolio management and financial planning. The firm integrates institutional trading capabilities with wealth management, offering proprietary research and a broad range of capital markets services.

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.