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 with a Series 66 credential and one year of industry experience. Prior to joining Edward Jones, Hill held roles across various sectors including education and technology, with positions at Stevenson School, Central Coast College, and Carahsoft Technology Corporation. Outside of his financial career, he was involved with multiple volleyball clubs over several years. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory strategies, including discretionary and non-discretionary managed solutions, and operates under a fiduciary standard while providing comprehensive investment and overlay services.

Julie King is a financial advisor at LPL Financial with one year of industry experience. She has also worked at Pierce King, P.C., a professional law corporation, since 2012. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual clients, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers various advisory programs, financial planning, retirement plan consulting, and brokerage services, utilizing model portfolios, research, and technology-driven strategies.

Paul Cahalan is a financial advisor at Ameriprise with 35 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Stifel Nicolaus & Co Inc for 16 years before joining Ameriprise in 2024. Ameriprise offers a retirement-income planning service targeted at individuals approaching or in retirement who meet specific asset criteria, providing written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

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 Salinas, CA, holding a Series 66 designation and 23 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

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.

Shaun Mcgeary is a financial advisor at LPL Financial with 21 years of industry experience. He holds the Series 66 designation and has been with LPL Financial since 2009. Outside of his advisory work, he is involved in amateur race car sponsorship and ownership, specifically with a Spec Boxster Porsche competing in California races. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving a broad client base, including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers financial planning, advisory programs, retirement consulting, and brokerage services, utilizing research and model portfolios from various sources to support diverse investment strategies.

Susan Rede is a CFP® professional at Osaic with 43 years of industry experience. She has been associated with Osaic since 1989 and has operated her own services, including income tax preparation and occasional insurance sales. Osaic Wealth, Inc. serves a diverse client base ranging from individual investors to large institutional entities through a broad network of affiliated advisers and multiple advisory platforms. The firm employs a range of portfolio construction tools and offers integrated brokerage, advisory services, and access to third-party managed solutions.

Dave Stewart is a financial advisor with UBS Financial Services in Carmel, CA, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. He has been with UBS since 1995. UBS Financial Services 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 integrates institutional trading capabilities with wealth management and utilizes proprietary research and model-based asset allocation to tailor client solutions.

Leonard Anable Jr. is a financial advisor at UBS Financial Services with 46 years of industry experience. He has been with UBS since 1979 and holds Series 63 and Series 65 licenses. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, offering financial planning, portfolio management, and access to mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based allocations to tailor investment strategies.

Nathan Steen is a financial advisor with Ameriprise in Salinas, CA, holding a Series 66 designation and 21 years of industry experience. He has worked at Ameriprise since 2023 and previously spent seven years at Wells Fargo Clearing and four years at Wells Fargo Advisors. He serves as Vice President on the Board of Directors for the MPC Foundation in Monterey, CA. Ameriprise offers retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide written recommendations addressing income sources and withdrawal strategies. The firm delivers these services through a centralized consulting team that partners with financial advisors to produce tailored, non-discretionary reports.

Timothy Brereton is a CFP® with 34 years of industry experience, currently serving at Osaic since 2023. He previously worked at SagePoint Financial for eight years. In addition to his advisory role, he owns Allied WM Insurance Services LLC, which provides life, accident, health, dental, disability, and Medicare-related insurance products. OSAIC serves a diverse client base, including individual and high-net-worth investors, pension plans, corporations, and charitable organizations, offering brokerage, advisory services, financial planning, and access to third-party managers through multiple platforms. The firm utilizes a range of asset-allocation tools and supports both discretionary and non-discretionary portfolio management approaches.