Diana Dirocco is a financial advisor with Ameriprise in Marina, CA, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. Her career includes roles at Wells Fargo Clearing, Springer Financial Advisors, Merrill, and Bank of America. Ameriprise offers a retirement-income planning service targeting individuals nearing or in retirement with substantial investable assets, providing detailed written Recommendation Reports on income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis in a centralized consulting approach and emphasizes the use of Ameriprise-managed accounts in its recommendations.

Nicholas Maes is a financial advisor at Primerica Advisors with Series 63 and Series 65 licenses and two years of industry experience. His prior roles include work at PFS Investments Inc. and various positions at Santa Clara University. In addition to advisory services, he is involved in the sale of loan products and home-related services through Primerica-affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients, delivering advisory services through a large network of advisors using model-driven investment strategies supported by third-party asset managers and custodians.

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.

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.

Maria Lamas is a financial advisor at UBS Financial Services with seven years of industry experience. She holds the Series 66 designation and has worked at UBS since 2018. Prior to her advisory role, she held positions at 24 Hour Fitness, Insight Global, Extended Travel, the University of California Police Department in Berkeley, and UC Berkeley. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including portfolio management and financial planning. The firm combines institutional trading capabilities with wealth management services, leveraging proprietary research and model-based asset allocations to tailor strategies to clients’ goals and risk tolerances.

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.

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.

Diana Colmenares is a financial advisor at Raymond James Financial with 11 years of industry experience. She holds a Series 66 designation and previously worked at Commonwealth Financial Network, Kendall Wealth Partners, and Income Works, Inc. In addition to her advisory role, she assists with data entry for a local CPA firm. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to individual, high-net-worth, institutional, and nonprofit clients. The firm offers tailored, non-discretionary planning using risk profiling and analytical tools, supporting client implementation through various advisory programs.

Marcus Guerra is a financial advisor with Edward Jones in Hollister, CA, holding a Series 66 designation. He has one year of industry experience, including prior roles at WestPac Wealth Partners and various positions outside the financial sector. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a wide range of advisory programs and discretionary strategies. The firm manages over $1 trillion in assets and operates a large nationwide network of advisors and branch offices.

Melissa Paddock is a CFP® with nine years of industry experience, currently affiliated with Raymond James Financial. She has worked at Raymond James Financial Services Advisors, Inc. since 2020 and previously held roles at RBC Capital Markets and the Pebble Beach Company. Paddock is the sole owner and CEO of Paddock Financial Planning Inc., a support company. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm emphasizes tailored, non-discretionary planning using analytical tools and supports its clients through various advisory programs and institutional consulting.

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.

Haley Hitchman is a financial advisor at LPL Financial with 15 years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at Commonwealth Financial Network and Hastie Financial Group. 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 financial planning and advisory programs with both discretionary and non-discretionary management options, supported by research from LPL Research and third-party subadvisors.

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 at LPL Financial with 39 years of industry experience. He holds the Series 66 designation and has been with LPL Financial since 2010. Outside of his advisory work, he engages in photography as a hobby and has written a short story intended for publication. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients including individuals, retirement plans, and institutions. The firm offers diverse financial planning and advisory programs, leveraging research and multiple management approaches to support client portfolios.

Semen Solgan is a financial advisor at LPL Financial with 15 years of industry experience. He holds a Series 66 designation and has worked at LPL Financial since 2019, following six years with Cuso Financial Services and ongoing involvement with Bay Federal Credit Union since 2013. 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 range of financial planning and advisory services, including model portfolios and retirement plan consulting.

Henry Nigos is a financial advisor with Cambridge Investment Research Advisors and holds Series 63 and Series 66 designations. He has 25 years of industry experience and has been with Cambridge since 2009. Outside of his primary role, he serves as an independent insurance agent and is president of Nigos Investments Inc. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals, utilizing multiple custody platforms and a range of portfolio management strategies.