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.

Holly Beyer is a Series 66-licensed financial advisor with First Command Advisory Services, where she has worked for six years. Her background includes roles in financial planning and insurance services at First Command, as well as experience in media and education with organizations such as The Dayton Daily News and Bowling Green State University. First Command Advisory Services is an SEC-registered investment adviser serving individuals, corporate, and charitable clients, with a focus on active-duty service members and their families. The firm offers comprehensive financial planning and multiple wrap-fee asset management programs using centrally managed model portfolios and approved third-party managers.

Erich Reinhardt is a financial advisor with Focus Advisor Solutions, LLC, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. His prior roles include positions at The Colony Group, LLC, Buckingham Strategic Partners, and Loring Ward Financial Inc. He is also involved with The Wealth Management Alliance as an investment advisor. Focus Advisor Solutions provides turnkey asset management and back-office services primarily to independent registered investment advisors and their clients, offering diversified mutual fund and ETF model portfolios, discretionary fixed-income management, and specialized services for retirement plans and registered investment companies.

Mark Kooiman is a CFP® professional at Creative Planning with 19 years of industry experience. He previously worked at Monterey Private Wealth, Inc., Michels Communications, and Charles Schwab in various roles. Kooiman serves on the board and finance committee of SunStreet Centers, a nonprofit organization operating a drug and alcohol rehabilitation program. Creative Planning provides investment advisory and financial planning services to a diverse client base, including individuals, corporations, foundations, and retirement plans. The firm employs a financial planning-led investment process that emphasizes low-cost indexing and offers a range of supplemental strategies, supported by a large advisory team and centralized infrastructure.

Jeremy Connally is a CFP® and ChFC® with 16 years of industry experience, currently serving as a financial advisor at Principal Financial Services. He previously worked at Farmers Financial Solutions and Farmers Insurance for nine years before joining Principal Securities and Principal Life Insurance Company. Outside of his advisory role, he coaches children's and beginner adult jiujitsu classes at Gracie University Monterey and supports his wife's Farmers Insurance Agency as an agency manager. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, estates, and charitable organizations. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money managers under various advisory and promoter arrangements.

Edward Lopez is a financial advisor with Empower Advisory Group in Salinas, CA, holding Series 63 and Series 66 credentials and 23 years of industry experience. He has been with Gwfs Equities Inc/Great West Life & Annuity Insurance Company since 2006. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to Empower Premier IRA and certain retail brokerage account holders. The firm delivers services through an integrated model connected to Empower’s recordkeeping and administrative platforms, emphasizing long-term portfolio returns and clients’ savings rates.

David Humphrey is a CFP® certificant with 33 years of industry experience. He is currently affiliated with Charles Schwab, where he has held roles since 2021 across Schwab Wealth Advisory Inc., Charles Schwab & Co., Inc., and Charles Schwab Bank. His prior experience includes five years at TD Ameritrade. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm combines non-discretionary advisory services with access to affiliated discretionary SMA portfolios and offers a multi-asset model investment approach supported by research and due diligence on alternative investments.

Ericka Gutshall is a financial advisor with Primerica Advisors in Salinas, CA, holding Series 63 and Series 65 licenses and 29 years of industry experience. She has been with Primerica Advisors since 1996 and also works as a classical tutor. Gutshall is a member of the Salinas Valley Chamber of Commerce. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm curates third-party asset managers and uses a tiered wrap-fee structure for its services.

Patricia Miranda is a Vice President and Financial Consultant at Fidelity Investments, a position she has held since 2024. She has been serving clients for over twenty-five years, focusing on helping them pursue their financial goals and dreams through personalized strategies that consider their unique needs at any life stage. Her professional experience includes roles as a Financial Consultant and Workplace Financial Consultant at Fidelity Investments, as well as positions at UBS Financial Services, Toronto Dominion Securities Inc., Marathon Brokerage, Merrill Lynch Canada Inc., and the Investment Dealers' Association in Toronto. Patricia holds a CA Insurance License. Outside of her professional work, Patricia enjoys art, cooking and baking, family activities, gardening, hiking, and traveling.

Emily Quatman is a financial advisor with LPL Financial, holding Series 63 and Series 66 designations and bringing 16 years of industry experience. She previously worked with J.P. Morgan Securities and JPMorgan Chase Bank before joining LPL Financial and Bay Federal Credit Union in 2020. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a wide range of advisory programs, financial planning, and retirement plan consulting, with access to model portfolios, research, and technology-driven investment solutions.

Javier Bolante is a CFP® professional with 17 years of industry experience, currently serving as a financial advisor at Edward Jones since 2008. He holds the Series 66 designation and is based in Carmel, CA. Outside of his advisory role, he has ownership interest in a dermatology practice operated by his wife. Edward Jones is a full-service wealth management firm serving a diverse client base that includes individuals, institutions, pension plans, corporations, and charitable organizations. The firm offers a broad range of investment strategies and advisory services supported by a large nationwide network of financial advisors and branch offices.

Terrie Fuentes is a financial advisor at UBS Financial Services with 24 years of industry experience. She previously worked for Wells Fargo Clearing and Wells Fargo Advisors LLC, with a combined 15 years at those firms, and has over two decades of experience at Wells Fargo Bank, N.A. Outside of her advisory role, she serves as a trustee for an investment-related trust. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services.

Rodney Pirtle is a financial advisor with Morgan Stanley in Monterey, CA, holding a Series 63 designation and 42 years of industry experience. He has been with Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management provides a range of advisory programs to both individual and institutional clients, offering tailored financial planning supported by firm-approved tools and processes. The firm manages approximately $2.74 trillion in client assets and delivers services through Financial Advisors and its Estate Planning Strategies Group.

Catherine Marino Edwards is a financial advisor at Merrill with nine years of industry experience. She holds Series 63 and Series 66 licenses and previously worked at Morgan Stanley and Hilltop Securities Inc. before joining Merrill in 2026. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Milda Esquivel is a financial advisor at Edward Jones with eight years of industry experience. She has held her current role since 2017 and previously worked with Food Thumb, LLC and Asilomar Conference Grounds, Aramark. Esquivel holds the Series 66 designation. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including both non-high-net-worth and high-net-worth households. The firm manages over $1 trillion in assets and offers a range of advisory services through a nationwide network of more than 23,000 financial advisors.

Daniel Morones Garcia is a financial advisor at Fidelity with one year of industry experience. He holds a Series 66 designation and has previously worked at Pence Financial Group, Charles Schwab, Integris Wealth Management, and UTE Isbill Williams Estate Planning Attorney. Outside of his advisory role, he has worked as a banquet server at Cypress Point Club. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including charitable and registered investment company accounts. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction, offering discretionary and non-discretionary advisory services along with model portfolios to intermediary platforms.

George Chobany is a CFP® professional with over 42 years of industry experience. He has worked at OSAIC since 2023 and previously spent 14 years with Sagepoint Financial, Inc. Additionally, he is involved as an agent with Allied WM Insurance Services LLC, providing life, health, disability, and long-term care insurance services. OSAIC serves a wide range of retail and institutional clients, including high-net-worth individuals, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, utilizing various asset-allocation tools and third-party solutions to manage diversified portfolios on discretionary or non-discretionary bases.

Mary Myles is a financial advisor with Primerica Advisors in Seaside, CA, holding Series 63 and Series 65 credentials and 36 years of industry experience. She has worked with Primerica Advisors since 1989 and Primerica Financial Services since 1991. Prior to this, she was employed by the State of California from 2001 to 2017. Outside of her advisory role, she owns a retail store in Blytheville, Arkansas, called Hudson's Corner. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, providing model-delivery strategies and discretionary separately managed account options primarily for individual and high-net-worth clients. The firm curates third-party asset managers and employs a tiered wrap-fee structure rather than fixed fees.

Martin Livingston is a financial advisor with Wells Fargo Clearing in Carmel, CA, holding Series 63 and Series 65 licenses and with 24 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, he serves as a trustee for his mother’s trust. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a range of investment options, including insurance-related vehicles and bank deposit sweep programs.

James Ritchie is a financial advisor with Wells Fargo Advisors in Pacific Grove, CA, holding Series 63 and Series 65 credentials and bringing 28 years of industry experience. He has been with Wells Fargo Advisors Financial Advisors, LLC since 2016. Ritchie is also a trustee for the Tavistock Wealth Management, Inc. 401(k) plan. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutional clients, offering a broad range of planning options tailored to clients who meet specific net-worth criteria. The firm’s advisory approach combines proprietary research and planning tools with client-directed implementation across multiple financial products and services.