Joseph Martello II is a financial advisor with RBC Capital Markets in Monterey, CA, holding Series 63 and Series 66 designations and bringing 39 years of industry experience. He has worked at RBC Capital Markets since 2008 and at City National Bank since 2016. He serves on the board of the Hospice Giving Foundation, assisting with fundraising efforts to support community grief services. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers customized advisory programs that combine discretionary portfolio management, financial planning, and brokerage services tailored to clients’ risk profiles.

Ronald Horta is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has worked at Cetera since 2013 and also serves as an enrolled agent for Intuit Inc, where he assists clients with tax questions. In addition, he operates a tax services sole proprietorship and is involved in fixed insurance sales as a registered representative. Cetera Investment Advisers LLC is an SEC-registered adviser that supports a large nationwide network of independent advisors serving individual clients, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options, including model portfolios, third-party managers, and bespoke strategies, managing over $256 billion in assets.

Gabriel Faunce is a financial advisor at J.P. Morgan Securities with 9 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Spring Mobile / Gamestop Inc. before joining J.P. Morgan in 2017. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting with client decision-making authority. Their advisory process combines quantitative and qualitative research and incorporates ESG considerations where applicable.

Kevin Richardson is a financial advisor with LPL Financial in Monterey, CA, holding a Series 66 designation and 29 years of industry experience. He worked at Merrill from 1997 to 2010 before joining LPL Financial, where he has been since 2010. Outside of his advisory role, Richardson is a radio broadcaster for San Jose State University football and the Bay Area Panthers indoor football team. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers financial planning, asset management, and institutional platforms, supporting a wide range of strategic and tactical investment approaches.

Dennis Kreiner is a CFP®-certified financial advisor with Ameriprise, based in Salinas, CA, and has 46 years of industry experience. He has been with Ameriprise and its predecessor entities since 1979. Kreiner serves on the investment committee of the La Selva Beach United Church of Christ. Ameriprise provides retirement-income planning services primarily for individuals with significant investable assets, combining research-driven modeling and tax-efficient strategies. The firm offers a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Alexis Winder is a CFP® professional with nine years of industry experience, currently serving clients at Edward Jones since 2017. Based in Hollister, CA, Winder holds the Series 66 designation. Edward Jones is a full-service wealth management firm that serves over four million individual and institutional clients, offering a range of advisory programs and investment solutions. The firm manages approximately $1.01 trillion in assets and operates a nationwide network of financial advisors and branch offices.

Gonzalo Bravo Jr. is a financial advisor with J.P. Morgan Securities in Hollister, CA, holding Series 63 and Series 66 designations and having 12 years of industry experience. He has worked with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2015. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting within a non-discretionary program. Their advisory process combines quantitative and qualitative research with forward-looking market assumptions to develop model asset allocations, incorporating ESG criteria and utilizing affiliates for implementation and portfolio services.

James Williams is a financial advisor at Ameriprise with 32 years of industry experience. He has worked at Morgan Stanley Private Bank and Prudential Equity Group in prior roles. Williams serves on the boards of Meals on Wheels of Monterey as Treasurer and the Hospice Giving Foundation. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendations and ongoing retirement-income planning focused on reliable income sources and tax-aware withdrawal strategies.

Henry Franscioni Jr. is a financial advisor with Morgan Stanley in Salinas, CA, holding a Series 63 designation and 42 years of industry experience. He has worked at Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney since 2009, with prior experience at Citigroup Global Markets from 1993 to 2009. Morgan Stanley Wealth Management provides advisory programs and financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm uses a structured planning process supported by firm-approved tools and offers a broad range of investment and planning solutions.

Duane Nack is a financial advisor with Ameriprise in Salinas, CA, holding a Series 63 designation and 39 years of industry experience. He has worked with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement who meet specific eligibility criteria, providing written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm delivers these services through a centralized consulting team using a combination of research, modeling, and tax-efficiency analysis, serving clients with a broad range of advisory, brokerage, and insurance solutions.

David Reynolds is a financial advisor with Primerica Advisors in Salinas, CA, holding Series 63 and Series 65 licenses and having 23 years of industry experience. He has been with Primerica Advisors since 2018 and has over 25 years of involvement with Primerica Financial Services. Outside of his advisory role, Reynolds is co-owner and president of Trevis Berry Transportation, a hauling and logistics company, and 152 Fuel Depot, a fuel purchasing and selling business. Primerica Advisors is a large institutional firm serving primarily individual investors, including high-net-worth clients, as well as corporate and charitable entities. The firm offers a wrap-fee asset management program that employs model-based investment strategies managed by third-party asset managers and supported by custodial and execution services from Pershing.

Montgomery Cook is a financial advisor with Morgan Stanley who holds Series 63 and Series 65 licenses and has 40 years of industry experience. He has worked at Morgan Stanley Private Bank since 2015 and has been with Morgan Stanley Smith Barney since 2009. Prior to that, he was employed at Citigroup Global Markets from 1993 to 2009. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and integrates various investment and planning strategies across a wide range of client segments.

Walter Retzlaff is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and two years of industry experience. He has worked at Primerica Advisors and Primerica Financial Services since 2022 and has a long-term role at SUHSD since 1998. In addition to his advisory work, Retzlaff is involved in sales of loan products and home-related services through affiliated Primerica companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and discretionary separately managed accounts to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap fee structure rather than fixed fees.

Ian Edwards is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and six years of industry experience. His career includes roles at J.P. Morgan Securities and JPMorgan Chase Bank, N.A., as well as prior service with Monterey One Water and the United States Air Force Reserve. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. Their advisory process combines quantitative and qualitative research and incorporates an ESG eligibility framework, with implementation support from affiliated investment-management entities.