Francisco Arevalo is a CFP® and ChFC® with four years of industry experience, currently affiliated with LPL Financial in Monterey, CA. He has previously worked at Commonwealth Financial Network and Northwestern Mutual, among other firms. Outside of his advisory role, Arevalo has been involved with Hastings College in various capacities since 2017. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning and third-party asset management, supported by a large network of investment adviser representatives.

Christoph Stapleton is a financial advisor with Ameriprise, holding Series 63 and Series 66 credentials and bringing 32 years of industry experience. He has been with Ameriprise and its affiliated entities since 2003. Outside of his advisory role, he owns Fortuitous Services, Inc., an S-corporation that assists with administrative and staffing responsibilities related to his practice. Ameriprise serves clients primarily through retirement-income planning services targeted at individuals approaching or in retirement with significant investable assets. The firm employs a centralized consulting team to deliver non-discretionary, research-driven recommendations combining modeling, tax efficiency, and adaptive withdrawal strategies.

Christopher Grado is a Financial Consultant currently working at Fidelity Investments since 2021. In this role, he partners with clients to develop comprehensive financial plans that align with their short-term and long-term goals. He focuses on understanding clients' priorities and works to ensure they feel confident in their financial future. Prior to his current position, Christopher served as a Financial Advisor at Edward Jones from 2018 to 2021. He holds a California Insurance License, supporting his ability to provide insurance-related financial guidance. Outside of his professional work, Christopher engages in family activities, parenthood, photography, and traveling.

Joshua Bennett is a financial advisor with Primerica Advisors in Clovis, CA. He holds Series 63 and Series 65 licenses and has recently begun his advisory career. His prior experience includes roles in education and brief tenures at Moss Adams and California State University, Monterey Bay. Bennett is also involved in sales of loan products and home-related services through Primerica-affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed accounts under a wrap-fee structure. The firm curates third-party asset managers and delegates trading responsibilities to BNY Mellon Advisors.

Alexander Newman is a financial advisor with Wells Fargo Clearing in Carmel, CA, holding a Series 66 designation and three years of industry experience. Prior to joining Wells Fargo Clearing in 2022, he worked in construction with Devcon Construction and Murray and Stafford Construction. He also has a background with the University of Denver. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory approach is IPS-driven and based on modern portfolio theory, including unique investment options such as insurance-related vehicles and bank deposit sweep programs.

Sarah Nadiri is a financial advisor at Charles Schwab with seven years of industry experience. She holds the CFP® designation as well as Series 63, 65, and 66 licenses. Before joining Schwab, her work history includes roles at HUB Investment Partners, Regency Investment Advisors, and Northwestern Mutual Investment Services. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory wrap fee program and managed-account services. The firm combines non-discretionary and discretionary investment options with centralized custody and operational support.

Thomas Gutshall is a financial advisor with Primerica Advisors in Salinas, CA, holding Series 63 and Series 65 licenses and with three years of industry experience. Prior to his current role, he has held various positions including work at PFS Investments Inc. and Primerica Financial Services. Outside of advisory work, he is involved in sales of home security, automation, and loan products through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm uses model-driven strategies managed by third-party asset managers and supports trade execution and custody through BNY Mellon Advisors and Pershing.

Itzak Beleche Gonzalez is a financial advisor at Charles Schwab with five years of industry experience. He holds a Series 66 designation and has prior experience at Merrill and Bank of America. 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 advisory relationships and access to affiliated discretionary separately managed accounts, supported by multi-asset model portfolios and centralized operational infrastructure.

Joseph Arellano Jimenez is a financial advisor with Edward Jones in Salinas, CA, holding a Series 66 designation and having one year of industry experience. Prior to joining Edward Jones in 2024, he worked at Northwestern Mutual Investment Services LLC and Northwestern Mutual Life Insurance Company. He also has experience in real estate with DealMakers Realty and served at the Monterey County Office of Education. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of investment and advisory solutions, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets through a nationwide network of over 23,000 financial advisors and 15,000 branch offices.

Daniel Kreer Jr. is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and bringing 53 years of industry experience. He has worked with Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Outside of his advisory work, he serves on the York School Board of Trustees. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing advisory programs to individuals and institutions, including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers a broad range of retail and institutional investment services.

Eugene Ganeles is a financial advisor at Cetera with 14 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Avantax and Avantax Insurance Agency prior to joining Cetera. He is also president and owner of Ganeles & Associates, a CPA firm, and serves as a trustee and member of local organizations including the Monterey Peninsula Chamber of Commerce and the Rotary Club of Monterey. Cetera Investment Advisers LLC is an SEC-registered adviser that serves individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management, financial planning, and retirement services using various program platforms and investment strategies.

Melissa Paddock is a financial advisor at Raymond James Financial with nine years of industry experience. She holds the CFP® designation and Series 66 license. Her prior work includes roles at RBC Capital Markets and the Pebble Beach Company. She is the sole owner and CEO of Paddock Financial Planning Inc., a business she continues to operate alongside her advisory role. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including high-net-worth individuals, corporations, and institutional clients. The firm employs risk profiling and analytical tools to support non-discretionary planning and consulting, while also offering specialized municipal advisory services and SIMPLE IRA Employer Advisory programs.

Inessa Ilina is a financial advisor at Raymond James & Associates with 12 years of industry experience. She holds a Series 66 designation and previously worked at Morgan Stanley and Morgan Stanley Private Bank for a combined 10 years. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and municipal advisory services.

Jason Adams is a Financial Consultant currently working at Fidelity Investments since 2024. He has been involved in the financial services industry since 2020, having previously served as an Investment Consultant at Fidelity Investments from 2023 to 2024 and as a Financial Advisor at Northwestern Mutual from 2020 to 2023. His experience focuses on retirement plans, tax-efficient investing, and investment allocation. Jason emphasizes a professional approach that values simplicity, transparency, and trust to assist clients in making informed financial decisions. He holds a California Insurance License.

Davyere Reed is a Financial Consultant at Fidelity Investments, a role he has held since 2024. Prior to this position, he served as an Investment Consultant and Workplace Planning Associate at Fidelity Investments from 2023 to 2024 and 2022 to 2023 respectively. Before joining Fidelity Investments, Reed worked as a Financial Representative at Northwestern Mutual from 2021 to 2022. With expertise in investment planning, tax-efficient investing, and income planning, Reed focuses on understanding his clients' current financial circumstances and future goals to build tailored financial plans. He holds a California Insurance License, supporting his capability in providing comprehensive financial advice. Outside of his professional work, Reed has interests in cars, food, and skiing.

Lauren Stiteler is a financial advisor at Charles Schwab with 18 years of industry experience. She holds a Series 66 designation and has been with Charles Schwab and Charles Schwab Bank since 2008. 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 advisory relationships and access to discretionary separately managed accounts, supported by multi-asset model portfolios and due diligence on alternative investments.

Haley Hitchman is a financial advisor with LPL Financial, holding Series 63 and Series 66 designations and possessing 15 years of industry experience. She has worked at LPL Financial since 2010, with a prior six-year tenure at Commonwealth Financial Network and twelve years at Hastie Financial Group. Hitchman also operates Hitchman Financial Consulting. 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 financial planning and investment management solutions delivered through a network of investment adviser representatives who utilize model portfolios, third-party subadvisors, and customized strategies.

Paul Gregory III is a Senior Financial Advisor and Managing Director at Merrill Lynch Wealth Management, based in the Monterey, CA branch office. He has been with Merrill Lynch since 1997 and leads an eight-person team that serves high net worth families, businesses, institutions, and endowments. Paul's focus includes delivering a broad range of financial services, strategies, and guidance tailored to address retirement planning, legacy planning, institutional and corporate benefit services, and investment consulting for defined contribution plans. Paul holds multiple professional designations, including Certified 401(k) Professional (C(k)P®), Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC®), and Chartered Retirement Plans Specialist (CRPS®). He leverages his expertise to assist plan sponsors and employees with compliance to ERISA requirements and employee education on retirement benefits, social security, Medicare, debt management, and other related topics. Paul earned a high school diploma from Grace Davis High School and a bachelor's degree from California State University Stanislaus. Outside of his professional role, he enjoys golfing, music, and spending time with his family. He and his wife Dominique have been married since 2002 and have three children.

Paul Chase is a financial advisor with LPL Financial in Monterey, CA, holding a Series 66 license and bringing 40 years of industry experience. He worked at FSC Securities Corporation from 2001 to 2010 before joining LPL Financial, where he has been since 2010. Outside of his advisory role, he pursues photography as a hobby and has written a short story intended for publication. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and other institutions. The firm offers a broad range of advisory and brokerage services, including financial planning and access to third-party asset management, supported by extensive technology tools and a large network of over 22,800 advisors.

Semen Solgan is a financial advisor with LPL Financial, holding a Series 66 designation and 15 years of industry experience. His prior work includes roles at Bay Federal Credit Union, Cuso Financial Services, and Wells Fargo Clearing. He is involved with investment services at Bay Federal Credit Union, connected to his LPL business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, utilizing model portfolios, third-party subadvisors, and customized strategies across various asset allocations.