Karen Hagman is a CFP® and holds a Series 66 license, with nine years of industry experience. She has been with Edward Jones since 2016 and previously worked with the Hartnell College Foundation from 2013 to 2016. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including high-net-worth households, pension plans, corporate clients, and charitable organizations. The firm offers a range of advisory services supported by a large network of financial advisors and branch offices, managing approximately $1.01 trillion in assets.

Thomas North is a financial advisor at Ameriprise with 45 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Wells Fargo Clearing and WELLS FARGO Advisors. Outside of financial advising, he owns True North Productions, LLC, a publishing company formed to market his book, *True North, The Shocking Truth about Yours Mine and Ours*. Ameriprise offers retirement-income planning services primarily for clients approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations through a centralized consulting team.

Andrew Mac Quarrie is a financial advisor at Morgan Stanley in Salinas, CA, with nine years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley and its Private Bank since 2016, with a brief tenure at Fidelity Brokerage Services. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a wide range of advisory programs, including tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers both direct and corporate financial planning services.

Kari Cardwell is a financial advisor with Morgan Stanley in Salinas, CA, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. She has been with Morgan Stanley since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individuals and institutional clients, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning processes supported by firm-approved tools and modeling techniques.

Anthony Mendez is a financial advisor at Edward Jones in Monterey, CA, holding Series 63 and Series 65 credentials with two years of industry experience. His prior work includes positions at Fidelity Investments, Wells Fargo Clearing, Wells Fargo Bank, Rabobank N.A., and JP Morgan Chase. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of discretionary and non-discretionary investment strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard and supported by a nationwide network of approximately 23,701 financial advisors and 15,121 branch offices.

Matthew Ring is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and 17 years of industry experience. He has worked with PFS Investments Inc. and Primerica Financial Services since 2007. Outside of advising, Ring is involved as a partner in Aura Pros, LLC, an audio video services and integration business, works as a musician for hire, and teaches CPR at the South Bay School of Nursing. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm utilizes model-delivery strategies managed by unaffiliated asset managers and supports accounts with BNY Mellon Advisors and Pershing custody and clearing services.

Michael Smith is a financial advisor with Primerica Advisors in Salinas, CA, holding Series 63 and Series 65 licenses and 26 years of industry experience. He has been with Primerica Advisors since 2000 and Primerica Financial Services since 1998. In addition to his advisory role, he is involved in sales of non-investment products including home security, automation products, and loan services through affiliated companies. Primerica Advisors serves primarily individual investors and also works with corporate and charitable clients through a wrap-fee asset management program that uses model-delivery strategies overseen by third-party managers. The firm manages approximately $15.5 billion in assets with a network of nearly 3,700 advisors and focuses on delivering advisory services via client information gathering and model recommendations.

Vince Dimaggio is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 credentials and 24 years of industry experience. He has been with J.P. Morgan Chase Bank and J.P. Morgan Securities since 2012. 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 an ESG eligibility framework when recommending strategies.

Nicandro Albert is a financial advisor at Stifel with two years of industry experience. He holds Series 63 and Series 65 licenses. Prior to joining Stifel in 2023, he worked at AJ Houston Financial Services and Matthew Albert Tile. Stifel serves a wide range of clients, including individuals, institutional clients, and charitable organizations, offering both brokerage and investment advisory services. The firm’s investment approach uses proprietary methodologies developed by its Investment Strategy Group, providing analysis and allocation guidance based on forward-looking capital market assumptions.

Kathleen Huggins is a financial advisor at RBC Capital Markets with 14 years at the firm and 10 years of industry experience. She holds Series 63 and Series 65 licenses. Kathleen serves on the board of directors for IMPower, Inc., a nonprofit organization based in Salinas, California. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, corporations, and charitable organizations. The firm offers a range of advisory programs with tailored strategies that incorporate both in-house and third-party investment managers.

Richard Bassman is a CFP® professional with 23 years of experience in the financial industry. He currently works at LPL Financial, where he has been since 2018, following prior roles at Mass Mutual Investors Services, Massachusetts Mutual Life Insurance Company, and MetLife Securities Inc. 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, including discretionary and non-discretionary management, model portfolios, and research-supported strategies.

Matthew Salyer is a financial advisor at Ameriprise with three years of industry experience. He holds a Series 66 designation and has worked at Ameriprise since 2022. Prior to that, he had roles at Image Masters and Nina P Murch Attorney at Law. Outside of his advisory work, he serves as treasurer on the board of the National Association of Mental Illness Monterey County and is involved with the Salinas Valley Chamber of Commerce as a Government Relations Committee member and Chamber Ambassador. Ameriprise provides retirement-income planning services targeting individuals approaching or in retirement, generally with at least $1 million in investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Joseph Martello II is a financial advisor with RBC Capital Markets in Monterey, CA, holding Series 63 and Series 66 designations and bringing 39 years of industry experience. He has worked at RBC Capital Markets since 2008 and at City National Bank since 2016. He serves on the board of the Hospice Giving Foundation, assisting with fundraising efforts to support community grief services. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers customized advisory programs that combine discretionary portfolio management, financial planning, and brokerage services tailored to clients’ risk profiles.

Ronald Horta is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has worked at Cetera since 2013 and also serves as an enrolled agent for Intuit Inc, where he assists clients with tax questions. In addition, he operates a tax services sole proprietorship and is involved in fixed insurance sales as a registered representative. Cetera Investment Advisers LLC is an SEC-registered adviser that supports a large nationwide network of independent advisors serving individual clients, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options, including model portfolios, third-party managers, and bespoke strategies, managing over $256 billion in assets.

Gabriel Faunce is a financial advisor at J.P. Morgan Securities with nine years of industry experience. He holds Series 63 and Series 66 designations and has worked at various J.P. Morgan entities since 2017. Prior to joining J.P. Morgan, he was employed at Spring Mobile and GameStop Inc. from 2015 to 2017. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework in its recommendations.

Kevin Richardson is a financial advisor with LPL Financial in Monterey, CA, holding a Series 66 designation and 28 years of industry experience. He has worked with LPL Financial since 2010. Outside of advising, he is a radio broadcaster for San Jose State University football and the Bay Area Panthers indoor football team. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs and financial planning services, providing both discretionary and non-discretionary management supported by in-house and third-party research.

Dennis Kreiner is a CFP®-certified financial advisor with Ameriprise, based in Salinas, CA, and has 46 years of industry experience. He has been with Ameriprise and its predecessor entities since 1979. Kreiner serves on the investment committee of the La Selva Beach United Church of Christ. Ameriprise provides retirement-income planning services primarily for individuals with significant investable assets, combining research-driven modeling and tax-efficient strategies. The firm offers a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

James Williams is a financial advisor with Ameriprise, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. His prior roles include positions at Morgan Stanley Private Bank and Wells Fargo Advisors. He serves on the boards of Meals on Wheels of Monterey as Treasurer and Hospice Giving Foundation as a member. Ameriprise provides retirement-income planning services aimed at individuals approaching or in retirement, combining research, modeling, and tax-efficient strategies to create personalized recommendation reports. The firm offers a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Henry Franscioni Jr. is a financial advisor with Morgan Stanley in Salinas, CA, holding a Series 63 designation and bringing 41 years of industry experience. He has been with Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, and previously worked with Citigroup Global Markets beginning in 1993. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, delivering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses structured planning processes supported by firm-approved tools.

Duane Nack is a financial advisor with Ameriprise in Salinas, CA, holding a Series 63 designation and 39 years of industry experience. He has worked with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement who meet specific eligibility criteria, providing written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm delivers these services through a centralized consulting team using a combination of research, modeling, and tax-efficiency analysis, serving clients with a broad range of advisory, brokerage, and insurance solutions.