Michael Willis is a financial advisor with LPL Financial, holding Series 63 and Series 65 designations and over 30 years of industry experience. He has been with LPL Financial since 2007 and also operates Willis Financial Management, which offers income tax preparation and fixed insurance services alongside investment management. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, banks, corporations, and charitable organizations. The firm provides various advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by model portfolios and research.

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.

Susan Kendall is a financial advisor with Raymond James Financial Services Advisors, Inc., holding CFP®, Series 63, and Series 65 credentials and bringing 30 years of industry experience. Her career includes over two decades at Commonwealth Financial Network and long-term involvement with Kendall Wealth Partners. She is also a CPA and provides tax and accounting services through her own practice. Raymond James Financial Services Advisors serves a diverse client base, including individual, high-net-worth, corporate, and institutional clients. The firm offers tailored financial planning and investment consulting using analytical tools and supports clients through advisory programs and institutional consulting.

Felicia George is a financial advisor with Primerica Advisors in Watsonville, CA, holding Series 63 and Series 65 licenses and 13 years of industry experience. She has worked at Primerica Financial Services since 2000 and has been involved with PFS Investments Inc. since 2012. Outside of her advisory work, she has been affiliated with Corralitos Community Church since 2018. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm delivers advisory services through a large network of advisors and utilizes model-driven investment strategies managed by external asset managers.

Carlos Fullen is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. He holds Series 63 and Series 66 licenses and has been with J.P. Morgan in various capacities since 2013. Based in Salinas, CA, he has worked within both J.P. Morgan Securities and JP Morgan Chase Bank. 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. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Elizabeth Kirkpatrick is a Wealth Management Advisor at Merrill Lynch Wealth Management. She holds the position of Senior Vice President and is a CERTIFIED FINANCIAL PLANNER™ certificant. Elizabeth has been with Merrill Lynch Wealth Management for over 40 years, working closely with clients to achieve their personal financial goals. Her expertise includes retirement planning, trust and estate planning services in collaboration with family tax accountants and attorneys, corporate cash management, individual wealth preservation and insurance planning strategies, business strategies and transition planning, business retirement plans, banking, and credit and lending services provided through Bank of America, N.A. She focuses on areas such as college education planning, divorce transition planning, family wealth management strategies, socially responsible and ESG investing, tax minimization, and women and wealth. Elizabeth holds a Bachelor's Degree from the University of California, Santa Cruz. Outside of her professional work, she has personal interests in 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.

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.

Anthony Seitz is a financial advisor at J.P. Morgan Securities with 14 years of industry experience. He holds Series 63 and Series 66 designations and has worked with JPMorgan Chase Bank and J.P. Morgan Securities since 2012. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework when recommending 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 worked previously at Woodbury Financial Services and Questar Asset Management. Outside of his advisory role, he owns CHA FINANCIAL, a business focused on the sale of fixed annuities, life, health, disability, long-term care insurance, and employee benefits. OSAIC serves a diverse client base, including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, utilizing asset-allocation tools, risk-tolerance assessments, and third-party platforms to manage portfolios across a range of asset classes.

Melanie Pitnick is a Wealth Management Advisor at Merrill Lynch, based in Carmel, CA. Since joining Merrill Lynch Wealth Management in 2014, she has focused on providing personalized financial advice and guidance to help clients prepare financially throughout various life transitions. Melanie works with affluent individuals to design customized wealth management strategies that incorporate tax minimization, estate planning, retirement income analysis, and tailored asset allocation. Melanie holds a Bachelor's degree in Psychology and Neuroscience from the University of Colorado at Boulder and has earned the CERTIFIED FINANCIAL PLANNER® and Certified Plan Fiduciary Advisor® designations. She is a member of an eight-person team at Merrill Lynch, offering clients access to the resources of a global financial institution while maintaining the experience of a boutique firm. Outside of her professional role, Melanie is involved in her community as a board member and coach for the Carmel Community Girls Softball Program. In her personal time, she enjoys traveling, spending time with her pets, and coaching youth softball in Carmel.

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.

Johnny Castaneda is a Series 66-licensed financial advisor with Ameriprise in Gonzales, CA, and has 24 years of industry experience. He has been 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 with substantial investable assets, combining research, modeling, and tax-efficiency analysis to provide written Recommendation Reports. The firm serves clients through a large institutional platform that includes advisory, brokerage, and insurance solutions.

Juan Maranon is a financial advisor with J.P. Morgan Securities LLC, holding Series 63 and Series 66 licenses and seven years of industry experience. Prior to joining J.P. Morgan, he worked at Wells Fargo Clearing Services and served in the United States Marine Corps. Outside of his advisory role, he is an owner and partner in two small businesses: E.M. Studios, specializing in embroidery and graphic printing, and Country Wildflower & Company, a retail store focused on western apparel and accessories. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm delivers these services through a combination of advisory and brokerage capabilities, relying on a centralized due-diligence process and a non-discretionary program where clients retain final decision-making authority.

Tony Minami is a financial advisor with OSAIC based in Salinas, CA, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. He has worked at Royal Alliance since 2012 and operates a sole proprietorship involved in selling insurance and annuities. Outside of his advisory role, Minami also engages in ridesharing as a driver for Lyft and Uber and creates content for a YouTube channel. OSAIC serves a diverse client base, including retail and institutional investors, offering a range of advisory and brokerage services supported by asset-allocation tools and access to third-party money managers. The firm operates multiple advisory platforms and integrates complex corporate structures and commercial arrangements in its service delivery.

Jacob Torres is a Planning Consultant at Fidelity Investments, a position he has held since 2025. He brings over 15 years of experience in the financial industry to his role, where he collaborates with clients to develop strategies aligned with their long-term financial objectives. His work centers on guiding clients through every stage of their financial journey. Prior to joining Fidelity Investments, Jacob held roles at Morgan Stanley and Wells Fargo Private Bank, including positions as Wealth Management Associate, Trust Associate, Private Banking Associate, and Personal Banker. He holds a California Insurance License. Outside of his professional life, Jacob has interests in fishing, movies, museums, photography, and traveling.

Andres Gomez is a financial advisor at Ameriprise with one year of industry experience. He holds a Series 66 designation and previously worked at Equitable Advisors. Outside of advising, he participates in acting and modeling as a creative outlet, having been involved in community events since his teenage years. Ameriprise serves clients primarily through its retirement-income planning service aimed at individuals nearing or in retirement, combining research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations. The firm offers a broad range of advisory, brokerage, and insurance solutions as a large institutional provider.

Joseph Irwin is a financial advisor at Primerica Advisors with two years of industry experience. He holds Series 63 and Series 65 licenses and has prior experience with PFS Investments Inc. and Primerica Financial Services. Outside of advising, he works as an apprentice land surveyor with Central Coast Surveyors. Primerica Advisors is a large institutional firm serving primarily individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm offers a wrap-fee asset management program that utilizes model-delivery strategies developed by unaffiliated asset managers and provides custody and trade execution services through established custodians.