Albert Fong is a financial advisor with Wedbush Securities Inc. in Salinas, CA, holding Series 63 and Series 65 licenses and bringing 46 years of industry experience. He has worked with Wedbush Morgan Securities Inc. and Brookstreet Securities Corporation since 2007. Outside of his advisory work, Fong serves as chairman of the deacon board at Salinas Chinese Christian Church and is involved in local community service as a commissioner for the City of Salinas Library Community Service, as well as a board member of the Chinese American Citizen Alliance-National. Wedbush Securities serves a diverse client base including individual and high-net-worth investors, foundations, and institutional clients, offering brokerage and registered investment advisory services across wealth management, fixed income, commodities, securities lending, capital markets, and prime services. The firm provides discretionary and non-discretionary managed accounts, clearing and custodial functions, and operates multiple managed account and wrap fee programs.

Fred Sprinz is a CFP® with 48 years of industry experience. He is currently associated with ON Investment Management Company and has worked at Embarcadero Financial Group since 2017 as well as at S & B Financial, Inc. and THE O.N. Equity Sales Company since 1993. ON Investment Management Company is a subsidiary of The O.N. Equity Sales Company that provides financial planning, portfolio management, and retirement-plan advisory services to individuals, families, trusts, estates, charitable organizations, businesses, and ERISA plan sponsors. The firm offers comprehensive and modular financial plans along with access to various third-party investment programs, serving mainly non-discretionary accounts through a combination of third-party managers and advisory relationships.

Patrick Collins is a CFP® and Series 65 registered advisor with nine years of industry experience. He has been with Evanson Financial, LLC since 2026 and previously worked at Evanson Asset Management, LLC from 2014 to 2026. Evanson Financial provides investment advisory and financial planning services to individuals, trusts, retirement plan sponsors, endowments, and business entities. The fee-only firm manages approximately $5.8 billion in primarily discretionary assets, focusing on long-term strategic asset allocation using low-cost institutional mutual funds and ETFs with portfolio tilts toward small-cap and value.

Patrick Carroll is a financial advisor at World Equity Group, Inc. with 31 years of industry experience. He holds the Series 63, Series 65, and Series 66 designations and has been with World Equity Group since 2012. Outside of his primary role, he consults on a Relative Strength Model Portfolio for Pillar6 Advisors, meeting regularly to discuss market indicators and portfolio strategy. World Equity Group, Inc. provides fee-based investment advisory and financial planning services to individuals, pension plans, trusts, charitable organizations, and businesses. The firm offers managed portfolios through a wrap-fee program combining discretionary portfolio management, financial planning, and third-party money manager access.

Kevin Doell is a financial advisor with Hilltop Securities Inc. He holds a Series 66 designation and has four years of industry experience, with previous roles at Park Avenue Securities, Guardian Insurance Company, and O'Leary and Associates. Outside of his advisory work, he serves as a Hockey Director and consultant for the Chicago North High School Hockey Club and owns Chicago Hockey Institute, LLC; he is also an ambassador for the Monterey Chamber of Commerce. Hilltop Securities serves individual, high-net-worth, and institutional clients through investment advisory and broker-dealer services. The firm offers managed account programs, financial planning, retirement-plan advisory, and annuity-based solutions, and combines custody, banking, and market-making capabilities with an open-architecture investment platform.

Gary Gordon is a financial advisor with The Partners Wealth Management in Carmel by the Sea, CA, holding Series 63 and Series 65 licenses and 28 years of industry experience. He previously worked at Hilton Capital Management and American Portfolios Financial Services, Inc. His career includes multiple roles at The Partners Wealth Management. The Partners Wealth Management serves individuals, families, trusts, estates, businesses, and retirement plans by providing investment management, financial planning, and retirement-plan advisory services. The firm offers both customized portfolios and model-based management, combining internally developed and third-party models, with advisors using the Amplify Platform for portfolio and trading management.

Christina Jenkins is a financial advisor at Commonwealth Financial Network with 10 years of industry experience. She holds a Series 66 designation and previously worked at UBS Financial Services from 2011 to 2020 before joining Commonwealth in 2020. Commonwealth Financial Network serves a national network of approximately 2,950 advisors and their retail and institutional clients, providing a range of advisory programs and services including wealth management, retirement plan consulting, and access to third-party asset managers. The firm supports advisors with operations, trading, technology, investment management, compliance, and practice management while allowing discretion in portfolio construction.

Laurence Walker II is a financial advisor with Commonwealth Financial Network in Monterey, CA, holding Series 63 and Series 65 credentials and 44 years of industry experience. He has worked at Commonwealth and Monterey Custom Wealth Management since 2020 and previously spent nine years at UBS Financial Services. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 affiliated advisors and hundreds of thousands of individual and institutional clients, managing roughly $213 billion in client assets. The firm offers a broad adviser-support platform including managed-account programs, access to third-party asset managers, retirement consulting, and custody services.

Francisco Arevalo is a financial advisor with Commonwealth Financial Network, holding the CFP® and ChFC® designations and four years of industry experience. He previously worked at Northwestern Mutual in various capacities from 2022 to 2025 and has been affiliated with Antone Mercurio LLC since 2025. Arevalo has also spent time in education-related roles at Hastings College. Commonwealth Financial Network serves a national network of approximately 2,900 advisors and manages about $212.7 billion in assets. The firm offers a broad support platform including managed-account programs, third-party asset manager access, and custody services, working with clients to implement portfolios through internal model portfolios or outsourced solutions.

Teresita Miller is a financial advisor at Centaurus Financial, Inc. with 34 years of industry experience. She has been with Centaurus Financial since 2007 and concurrently has served at Community Hospital at the Monterey Peninsula since 1992. Outside of financial advising, she is involved in health insurance sales as a Blue Cross agent. Centaurus Financial, Inc. provides advisory and brokerage services to a diverse client base, including individuals, families, businesses, and institutional entities. The firm offers financial planning, portfolio management, retirement-plan consulting, and specialized advisory management through various platforms and employs both discretionary and non-discretionary investment arrangements.

Antone Mercurio is a CFP® professional with 30 years of industry experience, currently serving as a financial advisor at Commonwealth Financial Network since 2019. Prior to joining Commonwealth, he worked at Stifel Nicolaus & Co Inc for 11 years. Commonwealth Financial Network supports a national network of approximately 2,950 advisors, providing a range of advisory programs and services including wealth management, retirement plan consulting, and access to third-party asset managers. The firm offers a variety of program structures and discretionary model portfolios, alongside operational, trading, compliance, and practice-management support.

Hannah Rogge is a CFP® and Series 65-licensed advisor with nine years of industry experience. She is currently with Creative Planning and previously worked at Monterey Private Wealth, Inc. for nine years. Rogge serves as a volunteer director and co-treasurer for the Hospice Giving Foundation, a charitable 501(c)(3) organization in Monterey, CA. Creative Planning provides investment advisory and financial planning services to a diverse client base, including individuals, corporations, foundations, trusts, and retirement plans. The firm manages approximately $217 billion in assets and employs a financial planning-led investment process that incorporates low-cost indexing, buy-and-hold strategies, and supplemental approaches such as direct indexing and tax-loss harvesting.

Richard Campbell is a financial advisor with Centaurus Financial, Inc. in Pacific Grove, CA, holding a Series 63 credential and 51 years of industry experience. He has been with Centaurus Financial since 2007. Outside of advising, he operates a sole proprietorship focused on the sales and service of individual and small group health insurance. Centaurus Financial, Inc. serves a wide range of clients, including individuals, families, small businesses, corporations, trusts, and foundations, offering financial planning, portfolio management through its CLASSIC Plus platform, retirement-plan consulting, and specialized advisory services. The firm utilizes both discretionary and non-discretionary arrangements, employing a combination of fundamental and technical analysis, and supports access to model overlay programs and third-party money managers.

Steven Emerson is a financial advisor with Commonwealth Financial Network, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He has worked at Commonwealth Financial Network since 2004, with a brief tenure at First Pacific Financial Services overlapping that period. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their retail and institutional clients. The firm provides a comprehensive platform offering advisory programs, investment management, compliance, and practice-management support, enabling advisors to deliver personalized portfolio solutions.

Calvin Celentano is a financial advisor at Schwab Wealth Advisory with 14 years of industry experience. He holds the CFP® and CFA® designations and has worked at firms including Fidelity Investments, TD Ameritrade, and Epstein and White Financial LLC. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, using Charles Schwab’s asset allocation models and research tools. The firm’s advisors recommend investments but do not exercise discretionary trading authority, conducting at least annual account reviews.

Scott Fosmark is a CFP® with 25 years of experience in the financial services industry. He is currently affiliated with Commonwealth Financial Network and co-owns Monterey Custom Wealth Management. Prior to this, he worked at UBS Financial Services for 12 years. Outside of his advisory work, he is involved in a fishing company based in Carmel, CA. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and hundreds of thousands of clients. The firm provides a variety of managed-account programs, third-party asset management access, and back-office services to support personalized investment strategies.

Marian Deering is a CFP® professional affiliated with Commonwealth Financial Network, with 27 years of experience in the financial services industry. She has previously worked at UBS Financial Services and is currently Co-Owner of Monterey Custom Wealth Management. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of nearly 2,900 advisors and their individual and institutional clients, offering a broad platform that includes managed-account programs, third-party asset manager access, retirement consulting, and custody services.

Spencer Lloyd is a CFP® and Series 66-registered financial advisor with nine years of industry experience. He is currently with Creative Planning and has previously worked at Monterey Private Wealth and UBS Financial Services. Creative Planning provides wealth management, financial planning, and retirement-plan advisory services to a diverse client base, including high-net-worth individuals, institutions, and corporations. The firm employs a financial-planning-led investment approach that emphasizes low-cost indexing and buy-and-hold strategies for long-term goals, supplemented by various specialized strategies and private market exposure.

James Phillips is a financial advisor with Creative Planning in Monterey, CA, holding a Series 65 credential. He joined Creative Planning in 2025 and has prior experience at the University of California, Santa Cruz, where he worked from 2008 to 2024. Phillips serves as a board member of Bay Federal Credit Union, providing input on its strategic direction. Creative Planning offers investment advisory and financial planning services to a diverse client base, including individuals, corporations, foundations, trusts, and retirement plans. The firm emphasizes a financial planning–led investment process focused on low-cost indexing and buy-and-hold strategies, supported by a large advisory team and centralized investment infrastructure.

John Griffin Jr. is a financial advisor with Osaic Advisory Services, LLC, holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. His prior roles include positions at Arbor Point Advisors and Securities America Advisors. Outside of his advisory work, he serves on the Cortina Homeowners Association board and coordinates a scholarship fund for North Salinas High School graduates. Osaic Advisory Services, LLC is an SEC-registered investment adviser serving a diverse client base including individuals, pension plans, corporations, trusts, charitable organizations, and government entities. The firm provides investment management, financial planning, retirement plan consulting, and related services through multiple program models that utilize proprietary and third-party platforms.