Michael Willis is a financial advisor with LPL Financial who holds Series 63 and Series 65 credentials and has 32 years of industry experience. He has been with LPL Financial since 2007 and also operates Willis Financial Management, which offers investment-related services including fixed insurance sales, long-term care insurance, and income tax preparation. Outside of his advisory work, he is involved in a separate business entity used for tax and investment purposes. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides a range of advisory and brokerage services through a large network of investment adviser representatives and supports its platform with research, third-party asset management, and technology tools.

Michael Mccloud is a financial advisor at Ameriprise with 28 years of industry experience. He holds Series 63 and Series 66 designations and previously worked at Stifel Nicolaus & Co Inc for 16 years. Outside of his advisory role, he is involved in multi-family real estate ownership in Salinas, California. Ameriprise provides retirement-income planning services primarily for clients approaching or in retirement who meet specific asset criteria, combining research and modeling with tax-efficient strategies. The firm also offers a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Ryan McCormick is a Wealth Management Advisor at Merrill Lynch Wealth Management. Since joining Merrill Lynch in 2009, he has built extensive experience in addressing a wide range of financial planning needs, including college education planning, family wealth management strategies, legacy planning, managing new wealth, retirement planning, philanthropic planning, portfolio management, individual and corporate investment strategy, tax minimization, and retirement income. He approaches client relationships by first understanding each client's unique financial situation and goals to develop tailored strategies that best fit their needs. Ryan's professional background includes involvement in managing concentrated portfolios, income replacement, efficient distribution strategies, and succession planning. He collaborates closely with clients' professional teams to manage tax exposure and estate planning. His approach focuses on connecting all aspects of a client's financial life to prioritize and pursue their most important goals. Ryan holds the Certified Divorce Financial Analyst (CDFA), CERTIFIED FINANCIAL PLANNER (CFP), and Personal Investment Advisor (PIA) designations. Ryan graduated from San Francisco State University in 2002 with a B.S. in Business Finance. He serves on several nonprofit boards, including Jacob's Heart Childrens Cancer Support Services and the Old Monterey Business Association. He and his wife, Rosanna, live in Monterey and are outdoor enthusiasts who enjoy the local area's natural beauty. Ryan has been recognized on the Forbes "Best-in-State Wealth Advisors" list in 2024, 2025, and 2026, and as part of the KBMD Wealth Management Group's "Best-in-State Wealth Management Teams" in 2023, 2024, and 2025.

John Giammanco is a financial advisor with Ameriprise in Monterey, CA, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He previously worked at Wells Fargo Clearing for seven years before joining Ameriprise in 2023. Outside of advisory work, he is a co-owner of Sahara Sun Tanning, a retail business in Monterey. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, with a specialized Premier Retirement Income service that provides retirement planning advice through a centralized team. The firm’s approach includes asset allocation, withdrawal strategies, and Social Security planning, with recommendations supported by proprietary research and third-party data.

Herbert Harrison Jr. is a financial advisor with Wells Fargo Clearing, holding a Series 63 designation and over 44 years of industry experience. He has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets through more than 14,000 advisors and offers both brokerage and advisory solutions.

Carlos Fullen is a financial advisor with J.P. Morgan Securities in Salinas, CA, holding Series 63 and Series 66 credentials and 13 years of industry experience. He has been with J.P. Morgan in various capacities since 2013. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process integrates quantitative and qualitative research and may incorporate ESG considerations, with implementation support from affiliated investment-management entities.

Kelly Le Ho is a financial advisor with Wells Fargo Clearing, holding Series 66 and Series 63 licenses and seven years of industry experience. She has worked at Wells Fargo Bank NA since 2014 and has held her current role since 2019. Outside of her advisory work, she serves as a notary public in the state of California. Wells Fargo Advisors is a national securities firm offering investment advisory, financial planning, and retirement consulting services to individual, corporate, and institutional clients, with over $671 billion in assets under management and more than 14,000 financial advisors.

Cydney Crampton is a financial advisor at RBC Capital Markets with 42 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at both City National Bank and RBC Capital Markets, where she has been employed since 2008. Crampton serves as the elected Secretary of the Board for the Foundation of California State University, Monterey Bay. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, and charitable organizations. The firm offers a range of advisory programs and portfolio management services, tailoring investment strategies to clients’ risk profiles through a combination of in-house and third-party managers.

Elizabeth Kirkpatrick is a Wealth Management Advisor with Merrill Lynch Wealth Management, holding the position of Senior Vice President. She has been with Merrill Lynch for over 40 years and works closely with clients to help achieve their personal financial goals. Her approach includes wealth management strategies tailored to clients' unique objectives and risk tolerance. Elizabeth holds a Bachelor's Degree from the University of California, Santa Cruz, and is a CERTIFIED FINANCIAL PLANNER® certificant, a designation awarded by the Certified Financial Planner Board of Standards, Inc. She offers personalized strategies in areas such as retirement planning, trust and estate planning, corporate cash management, individual wealth preservation, insurance planning, business strategies and transition planning, business retirement plans, banking, and credit and lending services. In addition to her professional work, Elizabeth pursues personal interests including golfing, pickleball, tennis, and yoga.

Kayla Franco is a Planning Consultant at Fidelity Investments, where she collaborates directly with Financial Consultants as part of the Fidelity Wealth Management Team. In her role, she partners with clients to develop personalized financial plans tailored to their unique needs, priorities, and preferences. Kayla has been serving as a Planning Consultant at Fidelity Investments since 2026. She holds a California Insurance License, which supports her work in financial planning. Her approach focuses on understanding clients' values to drive their short- and long-term financial goals and emphasizes building strong, lasting relationships with clients and their families. Outside of her professional responsibilities, Kayla enjoys spending time at the beach, outdoor adventures, painting, theater, and traveling.

Thomas Bair is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and 15 years of industry experience. His work history includes roles at the U.S. Census Bureau, Schneider National, Inc., PFS Investments, Inc., and Primerica Financial Services. In addition to his advisory role, he is involved in the sale of home security and automation products through a Primerica affiliate. Primerica Advisors offers discretionary asset management primarily through its Lifetime Investment Program, which provides model-delivery strategies and limited separately managed account options to individual and high-net-worth clients. The firm curates third-party asset managers and employs a tiered wrap-fee structure for its services.

Tyler Jaques is a Series 66 licensed financial advisor with Wells Fargo Clearing, where he has worked since 2016. He has 16 years of experience in the industry. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers brokerage and advisory solutions supported by research and analytics from Wells Fargo Investment Institute and other sources.

Deborah Josue is a financial advisor with Edward Jones in Monterey, California, holding a Series 66 license and six years of industry experience. Prior to joining Edward Jones in 2020, she worked at the Hilton San Francisco Union Square for four years. Outside of her advisory role, she has been involved as a brand ambassador for a jewelry business. 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 programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, supported by a large nationwide network of financial advisors and branch offices.

Timothy Burkhardt is a Financial Consultant at Fidelity Investments, a position he has held since 2023. Prior to this role, he worked as an Investment Consultant at Fidelity Investments from 2022 to 2023. Before joining Fidelity, Timothy was a Private Banker at Wells Fargo Bank from 2015 to 2022. His professional experience encompasses financial consulting, investment consulting, and private banking. Timothy holds a California Insurance License, which supports his work in providing financial advice and planning. Outside of his professional responsibilities, Timothy has interests in art, baseball, movies, music, and traveling.

Oscar Alcala is a Financial Advisor with Merrill Lynch Wealth Management. In his role, he works one-on-one with clients to define their financial goals and develop portfolio strategies aimed at achieving them. He provides ongoing advice and adapts clients' portfolios as their situations change. Oscar's expertise encompasses managing complex financial priorities including retirement planning, funding education, elder care, and healthcare preparation. He holds professional designations such as Accredited Wealth Management Advisor (AWMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). He earned a Bachelor's Degree from California State University of Monterey Bay and is proficient in English and Spanish. Beyond his professional activities, Oscar participates in community involvement through El Camino Futbol Club. His personal interests include camping, golfing, and soccer.

John Giammanco is a financial advisor with Ameriprise in Salinas, CA, holding a Series 66 designation and five years of industry experience. His prior roles include positions at Wells Fargo Clearing Services, Shine, Coastal Dispensary, New Level Collective, and Genuine Restaurant Concepts. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets, offering written recommendation reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm employs a centralized retirement-income consulting team and uses a combination of research, modeling, and algorithmic tools to generate tailored recommendations.

Domenica Ackiss is a financial advisor with Ameriprise Financial Services LLC, holding a Series 66 credential and three years of industry experience. Her career includes multiple terms at Ameriprise and prior work at Cadence International. Ameriprise is a large, diversified advisory firm serving individual and institutional clients, with a specialized Premier Retirement Income service that provides written recommendation reports and ongoing annual planning focused on retirement income sources and tax-aware withdrawal strategies.

Charles Cha is a financial advisor at OSAIC with 29 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Woodbury Financial Services, Questar Asset Management, Questar Capital Corporation, and Equitable Advisors. He is also the owner of CHA Financial, a sole proprietorship engaged in the sales of fixed annuities, life, health, disability, and long-term care insurance. OSAIC serves a diverse client base including individual investors, retirement plans, charities, and corporate clients, offering a range of brokerage and advisory services. The firm’s investment approach centers on model-based asset allocation and portfolio optimization, supported by various tools and strategies that accommodate discretionary and advisor-managed accounts.

Melanie Pitnick is a Wealth Management Advisor at Merrill Lynch Wealth Management, based in Carmel, CA. Since joining Merrill Lynch in 2014, she has been dedicated to providing personalized financial advice and guidance, aiming to help clients prepare for financial transitions throughout their lives. She works as part of a nine-person team in the Carmel branch, combining the resources of a global financial institution with a boutique-like client experience. Over her career, Melanie has developed expertise in designing customized wealth management plans for affluent individuals. Her services include tax minimization strategies, estate planning, retirement income needs analysis, and tailored asset allocation approaches. She holds professional designations including CERTIFIED FINANCIAL PLANNER® (CFP), Certified Plan Fiduciary Advisor® (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Melanie earned her bachelor's degree in Psychology and Neuroscience from the University of Colorado at Boulder and completed an Accredited Certificate Program at the College for Financial Planning. She is active in the Carmel community, serving on the board of the Carmel Community Girls Softball Program and coaching a youth softball team. Outside of work, she enjoys traveling, spending time with her pets, and engaging in outdoor activities.

Christopher Boyns is a financial advisor with Morgan Stanley in Monterey, CA, holding a Series 66 designation and six years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2020. Prior to his current roles, he was involved with Bronco Wine Company and Caddie Services LLC. Outside of his advisory work, Boyns serves as a board member and finance committee member for Ducks Unlimited, an environmental nonprofit. Morgan Stanley Wealth Management provides advisory programs and financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets and offering plans through structured discovery processes and firm-approved tools.