Frank Koucky III is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. He has worked at LPL Financial since 2009 and previously spent eight years at Wells Fargo Clearing. He operates a separate business entity named Blair Financial Group, LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and asset management services, combining advisory platforms with non-advisory financial activities and oversight of substantial discretionary assets.

Randall Green is a financial advisor at Wells Fargo Advisors with 45 years of industry experience. He holds Series 63, 65, and 66 credentials and has previously worked at Bank of America, Merrill, and UBS Financial Services. Outside of his advisory work, he owns several automotive-related businesses including Vintage Autosports LLC and Scuderia Furia LLC. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services. The firm offers a broad range of planning services using proprietary research and tools, with an emphasis on tailored recommendations delivered through advisory and brokerage programs.

Michael Wallensack is a financial advisor at Wells Fargo Clearing with 54 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Wells Fargo Clearing since 2016. Prior to that, he spent 17 years at Prudential Equity Group, LLC. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap‑fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

William Yakobovich is a financial advisor at OSAIC Wealth Inc with 54 years of industry experience. He holds Series 63 and Series 66 credentials and has previously worked at Independent Financial Group, LLC and NPB Financial Group, LLC. Outside of advising, he owns Unique Luxury Travel LLC, a business selling cruise and vacation travel services. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of brokerage and advisory services supported by model-based asset allocation, portfolio optimization, and access to third-party investment managers through a multi-advisor platform.

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® professional with 46 years of experience in the financial industry. She is currently with Cetera and has been associated with Cetera Advisors LLC since 2013 and with Belville Financial Advisors since 1985. Outside of her advisory work, she serves as executive director of Sauver Ranch, a sanctuary for abused animals. Cetera Investment Advisers LLC is a national SEC-registered advisory firm serving individual, employer-sponsored retirement, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and consulting services through a multi-manager platform with access to affiliated and third-party managers, and serves over 10,000 advisors and roughly 800,000 clients.

David Rutberg is a financial advisor at UBS Financial Services with 37 years of industry experience. He has been with UBS and its predecessor Painewebber since 1998 and began his career at Security Pacific Investment Division in 1988. Rutberg holds Series 63 and Series 65 designations. Outside of his advisory work, he serves as a successor trustee for the R. L. A. Trust in Carmel, California. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, including fee-based financial planning and discretionary portfolio management. The firm integrates proprietary research and model-based asset allocations to tailor strategies aligned with clients’ goals and risk tolerances.

Thomas Gaspich is a financial advisor at UBS Financial Services with 50 years of industry experience. He holds Series 63 and Series 65 designations and has been with UBS since 2001. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory services, including financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client strategies.

Timothy Cass is a Private Wealth Advisor with Merrill Private Wealth Management. He specializes in providing ESOP and ESPP services, along with personal assistance to CEOs and CFOs, primarily within the healthcare industry. With 36 years of experience in the financial services sector, Timothy began his career at Morgan Stanley Dean Witter, where he worked for 20 years before joining Merrill in 2006. His expertise includes managing personal investments for corporate executives and assisting with filing and stock clearance needs. He holds a Series 7 and 66 FINRA registration and is designated as a Personal Investment Advisor (PIA). Timothy earned his High School Diploma/GED from Irvine University. Outside of his professional role, Timothy enjoys biking, golfing, running, and spending time with his family.

Thomas Carter Jr. is a financial advisor at Edward Jones in Carmel, CA, holding a Series 66 designation with five years of industry experience. Prior to joining Edward Jones, he worked in the automotive sector and served with the California Highway Patrol. Edward Jones is a full-service wealth management firm serving individual and institutional clients, managing approximately $1.01 trillion in assets through a nationwide network of over 23,000 advisors and more than 15,000 branches. The firm offers a range of advisory programs including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

Crystaline Kopriva is a financial advisor at UBS Financial Services with 18 years of industry experience. She has been with UBS since 2006 and holds a Series 66 designation. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm uses proprietary capital market assumptions and research to tailor investment plans and offers fee-based financial planning, portfolio management, and a range of capital markets and custody services.

Sandra Taitingfong is a financial advisor at Wells Fargo Clearing with nine years of industry experience. She holds a Series 66 designation and previously worked at Monterey Bay Charter for three years before joining Wells Fargo in 2017. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Leigh Jeter Stanford is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 credentials and possessing 26 years of industry experience. His prior roles include positions at Golden State Wealth Management, LPL Financial, Hilltop Securities, and Charles Schwab. He serves on the board of directors for an animal welfare assistance group in Monterey, CA. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and includes a discretionary investment option, with a broad product menu that notably incorporates insurance-related vehicles and bank deposit sweep options.

Lance Varellas is a financial advisor with Morgan Stanley in Pebble Beach, CA, holding Series 63 and Series 65 credentials and bringing 37 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. 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. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and investment modeling in its financial planning process.

Jordan Hill is a financial advisor at Edward Jones in Carmel, CA, holding a Series 66 designation with one year of industry experience. Prior to joining Edward Jones in 2026, Hill worked in various roles including education and technology, with experience at Stevenson School, Central Coast College, VC3, Inc., and Carahsoft Technology Corporation. Outside of finance, Hill has been involved with volleyball clubs such as Sand City Volleyball Club and Ascent Volleyball Club. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management and offers a range of advisory and investment solutions, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Julie King is a financial advisor with LPL Financial, holding one year of industry experience. She has worked at LPL Financial since 2025 and has been associated with Pierce King, P.C., a professional law corporation, since 2012. 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 investment programs, including financial planning, third-party asset management, and institutional platforms, supported by both discretionary and non-discretionary strategies.

Paul Cahalan is a financial advisor with Ameriprise Financial Services, holding Series 63 and Series 66 credentials and bringing 36 years of industry experience. Prior to joining Ameriprise in 2024, he spent 16 years with Stifel Nicolaus & Co Inc and 11 years at A. G. Edwards & Sons, Inc. He is based in Monterey, California. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service focused on retirement-income planning with written recommendations and ongoing advice, utilizing a centralized service team and a range of proprietary and third-party tools.

Amanda Cradeur is a financial advisor with Charles Schwab in Carmel, CA, holding a Series 66 designation and two years of industry experience. She has worked at Charles Schwab Bank, SSB and Charles Schwab & Co., Inc. since 2023. Prior to her financial services career, Amanda was involved with organizations including SPG Therapy and Education and the Grizzly & Wolf Discovery Center. 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and a formal alternative investment program, supported by a centralized operational structure.

Brian Allen is a financial advisor with Wells Fargo Clearing in Carmel, CA, holding a Series 66 designation and 24 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously held roles at A. G. Edwards & Sons, Inc. and Morgan Stanley DW Inc. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting, managing approximately $671 billion in assets across more than 14,000 financial advisors.

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.