Michael Davidson is a Series 66 licensed financial advisor with Hilltop Securities Inc. in Monterey, CA, where he has worked since 2004, totaling 21 years of industry experience. Outside of his advisory role, he is involved in live streaming video games on Twitch TV. Hilltop Securities serves individual and institutional clients through investment advisory and broker-dealer services, offering managed accounts, financial planning, and retirement-plan consulting on an open-architecture platform with access to both third-party and firm-sponsored strategies.

Todd Knapp is a financial advisor with International Assets Investment Management, LLC, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He worked at LPL Financial from 2009 to 2021 before joining International Assets Investment Management and its affiliate in 2021. Knapp also owns Knapp Financial Group, LLC, a private label financial business. International Assets Investment Management provides advisory services to individuals, high-net-worth clients, retirement plans, and businesses through a national network of independent representatives. The firm focuses on customized, long-term portfolio management using mutual funds, ETFs, individual equities, and fixed income, and offers access to third-party money managers and financial planning.

Albert Fong is a financial advisor with Wedbush Securities Inc. in Salinas, CA, holding Series 63 and Series 65 credentials and possessing 46 years of industry experience. His prior work includes ten years at UBS Financial Services and a brief period at Brookstreet Securities Corporation before joining Wedbush Morgan Securities Inc., where he has worked for 19 years. Outside of his advisory role, Fong serves as chairman of the Deacon Board at Salinas Chinese Christian Church, is a commissioner for the City of Salinas Library Community Service, and is a board member of the Chinese American Citizen Alliance-National. Wedbush Securities provides investment advisory and broker-dealer services to individual, high-net-worth, and institutional clients, offering a range of wealth management, fixed income, commodities, and capital markets services. The firm combines portfolio management tailored to client objectives with institutional research and operational capabilities including clearing, custodial, and prime services.

Fred Sprinz is a CFP® professional with 49 years of experience in the financial services industry. He is affiliated with ON Investment Management CO and has held roles 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 provides financial planning, portfolio management, and retirement-plan advisory services to a diverse client base including individuals, families, trusts, charitable organizations, businesses, and ERISA plan sponsors. The firm offers both discretionary and non-discretionary investment programs and operates with a dual-registration broker-dealer model.

Armando Perez Jacinto is a CFP®-certified financial advisor with one year of industry experience, currently with Modern Wealth Management, LLC. Prior to joining Modern Wealth Management, he held roles at Ameriprise and the California Army National Guard and is also involved with PJ Family Landscaping Inc. Modern Wealth Management, LLC is a multi-team SEC-registered investment adviser managing approximately $10.9 billion in assets across individual, high-net-worth, trust, estate, and institutional clients. The firm offers comprehensive investment management and financial planning services supported by a centralized Investment Committee and employs a variety of strategic and tactical investment tools.

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.

Laurence Walker II is a financial advisor at Kestra Advisory with 45 years of industry experience. He holds the Series 63 and Series 65 credentials and has previously worked at firms including UBS Financial Services, Morgan Stanley, Citigroup Global Markets, and Commonwealth Financial Network. He is also co-owner of Monterey Custom Wealth Management. Kestra Advisory Services provides investment advisory and retirement-plan consulting to institutional and individual clients, offering services such as fiduciary consulting, plan design, and employee education. The firm manages approximately $79.8 billion in assets and serves a range of clients including large institutional investors and sovereign wealth funds.

Teresita Miller is a financial advisor with Centaurus Financial, Inc. in Pacific Grove, CA, holding 35 years of industry experience. She has been with Centaurus Financial since 2007 and has a longstanding affiliation with Community Hospital at the Monterey Peninsula since 1992. Additionally, she is involved in health insurance sales with Blue Cross on a limited basis. Centaurus Financial, Inc. serves a diverse client base including individuals, families, small businesses, corporations, trusts, and foundations. The firm offers a range of advisory and brokerage services with an investment approach that includes fundamental, technical, bottom-up, and top-down analysis, managing assets through both discretionary and non-discretionary arrangements.

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. He holds a Series 63 designation and has 52 years of industry experience. Prior to joining Centaurus Financial in 2007, he worked for Cetera Wealth Services, LLC for 10 years. Outside of his advisory role, he operates a sole proprietorship focused on sales and service of individual and small group health insurance. Centaurus Financial, Inc. provides advisory and brokerage services to a diverse client base including individuals, families, businesses, and institutions. The firm offers financial planning, portfolio management through the CLASSIC Plus platform, retirement-plan consulting, and specialized advisory services under both discretionary and non-discretionary arrangements.

Calvin Celentano is a CFP® and CFA® credentialed financial advisor at Schwab Wealth Advisory with 14 years of industry experience. His prior roles include positions at Fidelity Investments, TD Ameritrade, Epstein and White Financial LLC, and Merrill. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning for clients enrolled in the Schwab Wealth Advisory program. The firm’s approach is based on Charles Schwab & Co.’s asset-allocation models and internal research tools, offering tailored recommendations without discretionary trading authority.

Scott Fosmark is a CFP®-designated financial advisor with 25 years of industry experience. He is currently with Kestra Advisory Services, LLC and Kestra Investment Services, LLC. His prior roles include positions at Monterey Custom Wealth Management, Commonwealth Financial Network, UBS Financial Services, and Morgan Stanley. Outside of his advisory work, he co-owns Fosmark Fisheries, a fishing company based in Carmel, CA. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a diverse client base including institutional and individual investors. The firm offers a range of services such as plan design, fiduciary oversight, employee education, and access to multiple management platforms and third-party solutions.

Marian Deering is a CFP® with 27 years of experience in financial services, currently serving at Kestra Advisory Services, LLC. Her prior roles include positions at UBS Financial Services, Morgan Stanley, Citigroup Global Markets, Commonwealth Financial Network, and Monterey Custom Wealth Management. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a diverse range of institutional and individual clients, offering services such as plan design, fiduciary consulting, and employee education. The firm manages approximately $79.8 billion in assets and serves large institutional investors, including sovereign wealth funds.

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 licenses and bringing 33 years of industry experience. His prior roles include positions at Arbor Point Advisors, Securities America Advisors, KMS Financial Services, Morgan Stanley, and Citigroup Global Markets. Outside of his advisory work, he serves on the board of a local homeowners association and coordinates a scholarship fund for North Salinas High School graduates. Osaic Advisory Services, LLC is an SEC-registered enterprise advisor serving a diverse client base including individuals, pension plans, corporate and charitable entities, and sovereign wealth funds. The firm offers a range of investment programs and consulting services, utilizing both fundamental and technical analysis, and partners with third-party managers and platform providers to deliver customized strategies.

Cristofer Cabanillas is a CFP® with 21 years of industry experience, currently serving at Creative Planning. He previously worked for Monterey Private Wealth, Inc. for 14 years. He is also a member and 33.33% owner of Top Floor Investors, LLC, a commercial real estate business involved in property management. Creative Planning provides wealth management, financial planning, and retirement-plan advisory services to a diverse client base, including high-net-worth individuals, pension plans, and corporations. The firm employs a financial-planning-led investment approach that incorporates low-cost indexing, buy-and-hold strategies, and selective private market exposure, managing approximately $295.6 billion in client assets.