David Panziera is a financial advisor at Ameriprise with three years of industry experience. Prior to joining Ameriprise, he worked for Intel Corporation for 19 years. He holds a Series 66 designation. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized retirement income service focused on dependable income sources and tax-aware withdrawal strategies for clients approaching or in retirement.

Susan Rede is a CFP®-credentialed financial advisor with 44 years of industry experience. She has been associated with OSAIC since 1989 and has maintained her own advisory practice since 1984. In addition to her advisory work, she provides income tax preparation services and occasionally sells insurance products. OSAIC serves a diverse client base including individual investors, retirement plans, charities, and corporations through a multi-advisor platform offering brokerage and advisory services. The firm emphasizes model-based asset allocation and portfolio optimization, supporting a range of investment strategies and third-party manager selections.

Shawn Sharafkah is a financial advisor at Thrivent Investment Management with five years of industry experience. He holds Series 63 and Series 66 credentials. His prior work includes roles at Allstate Insurance Co, Transamerica Financial Advisors, Prize Insurance Solutions, and several other financial and insurance firms. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of Financial Advisors. The firm offers holistic, goal-based analyses covering a wide range of planning topics and allows clients to combine planning with managed-account programs under a consolidated billing option called WealthPlan.

Nathan Steen is a Series 66-licensed financial advisor at Ameriprise with 22 years of industry experience. His prior work includes roles at Wells Fargo Clearing, Merrill, and Morgan Stanley DW Inc. He serves as Vice President on the Board of Directors for the MPC Foundation in Monterey, CA. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service, which provides tailored recommendations and ongoing advice focused on income sources and tax-aware withdrawal strategies.

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 with Ameriprise in Monterey, CA, holding Series 63 and Series 65 licenses and bringing 46 years of industry experience. His prior experience includes roles at Wells Fargo Clearing, Merrill, and Morgan Stanley. Outside of his advisory work, he owns True North Productions, LLC, a publishing company established to market his book, *True North, The Shocking Truth about Yours Mine and Ours*. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, with a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

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.

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 in Carmel, CA, holding Series 63 and Series 65 credentials and 24 years of industry experience. He has worked with J.P. Morgan Chase Bank and related entities since 2012 and previously held roles at LPL Financial, Banc of America Investment Services, and A.G. Edwards & Sons. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors, offering non-discretionary, written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research and includes broader derivatives and commodities capabilities.

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 10 years of industry experience. She holds Series 65 and Series 63 licenses and has been with RBC since 2012. Huggins serves on the board of directors for IMPOWER, Inc., a nonprofit organization. RBC Wealth Management, a division of RBC Capital Markets, serves individual and institutional clients, offering a range of advisory programs and portfolio management services tailored to clients' risk profiles. The firm integrates in-house and third-party investment managers and provides various options including tax management and responsible investing screens.

Richard Bassman is a CFP® professional with 23 years of experience in the financial services industry. He has worked at LPL Financial since 2018 and previously held roles at Mass Mutual Investors Services, Massachusetts Mutual Life Insurance Company, Metlife Securities Inc., New England Securities, and Ameriprise. LPL Financial is a national broker-dealer and registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

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 9 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Spring Mobile / Gamestop Inc. before joining J.P. Morgan in 2017. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting with client decision-making authority. Their advisory process combines quantitative and qualitative research and incorporates ESG considerations where applicable.

Kevin Richardson is a financial advisor with LPL Financial in Monterey, CA, holding a Series 66 designation and 29 years of industry experience. He worked at Merrill from 1997 to 2010 before joining LPL Financial, where he has been since 2010. Outside of his advisory role, Richardson is a radio broadcaster for San Jose State University football and the Bay Area Panthers indoor football team. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers financial planning, asset management, and institutional platforms, supporting a wide range of strategic and tactical investment approaches.

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.