Tammy Jones is a financial advisor at Edward Jones with 31 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Edward Jones since 2019. Prior to that, she spent 10 years at Charles Schwab and Charles Schwab Bank. 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 and offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

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.

Philip Vy is a financial advisor with Morgan Stanley in Monterey, CA, holding a Series 66 designation and 23 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and has been associated with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning using structured discovery processes and firm-approved tools, managing approximately $2.74 trillion in client assets.

Scott Mcalister is a financial advisor with Morgan Stanley in Monterey, CA, holding Series 63 and Series 66 credentials and bringing 26 years of industry experience. He has worked with Morgan Stanley Private Bank, National Association since 2015 and with Morgan Stanley Smith Barney since 2012. Outside of his advisory role, Mcalister serves as a board member of The Pacheco Club of Monterey and is on the investment committee of the Grand Lodge of Free and Accepted Masons of California. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs and tailored financial planning to individual and institutional clients. The firm manages approximately $2.74 trillion in client assets and utilizes structured discovery processes and advanced modeling tools as part of its financial planning services.

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® 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.

Susan Yedlicka is a financial advisor at Morgan Stanley with 16 years of industry experience. She has worked at Morgan Stanley since 2016 and previously was employed by RBC Capital Markets Corp from 2010 to 2016. She holds the Series 63 and Series 66 licenses. Morgan Stanley Wealth Management serves individuals and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured discovery processes and firm-approved planning tools in its approach.

Elizabeth Benjamin is a financial advisor at Morgan Stanley with 36 years of industry experience. She has been with Morgan Stanley and its affiliated firms since 2008. She holds Series 63 and Series 66 designations and is based in Monterey, CA. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers tailored financial planning and manages approximately $2.74 trillion in client assets.

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.

Linda Myrick is a financial advisor with Edward Jones in Carmel, CA, holding Series 63 and Series 66 credentials and having 27 years of industry experience. She has been with Edward Jones since 1998. Outside of her advisory work, she is a part-owner of a fitness gym in San Antonio, TX, which is operated by her husband. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a variety of investment and advisory strategies. The firm manages approximately $1.01 trillion in assets and operates through a large national network of financial advisors and branch offices.

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.

Mario Velarde is a financial advisor at J.P. Morgan Securities with six years of industry experience. He holds a Series 66 designation and has worked at JP Morgan Chase Bank, Bank of America, Merrill, and World Financial Group. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with additional market-facing registrations, delivering advisory services alongside affiliated brokerage, distribution, and investment management capabilities.

Jake Merenda is a financial advisor with Wells Fargo Clearing in Carmel, CA. He holds a Series 66 designation and joined the firm in 2026. Prior to his current role, he gained experience in various positions including roles at Oracle NetSuite, Addison Group, and Alacrinet, as well as time spent as a full-time student. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party data.

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.

Todd Doleshal is a CFP® professional with 18 years of industry experience, currently serving with LPL Financial. He previously worked at Ameriprise Financial Services, Inc. for 11 years. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad range of clients, including individuals, retirement plans, banks, and charitable organizations, offering financial planning and advisory programs supported by research and model portfolios.