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 with J.P. Morgan Securities in Pacific Grove, CA, holding Series 63 and Series 66 designations and bringing 14 years of industry experience. He has been with JPMorgan Chase Bank and J.P. Morgan Securities in various roles since 2012. 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. Their advisory process incorporates both quantitative and qualitative research, and they offer broader derivatives and commodities capabilities through affiliated entities.

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.

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 in Salinas, CA, holding Series 63 and Series 66 licenses and bringing eight years of industry experience. Prior to joining J.P. Morgan Securities and JPMC Bank, he worked at Wells Fargo in various capacities for ten years and served in the United States Marine Corps for eight years. Outside of finance, he is a partner and owner of two small businesses: E.M. Studios, an embroidery and graphic printing company, and Country Wildflower & Company, a retail store specializing in western apparel and accessories. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a selective wealth advisor program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm employs a research-driven advisory process supported by centralized due diligence and offers a broad range of asset management services, including derivatives and commodities capabilities.

Tony Minami is a financial advisor with OSAIC based in Salinas, CA, holding Series 63 and Series 66 designations and bringing 25 years of industry experience. He has been affiliated with Royal Alliance since 2012 and operates a sole proprietorship involved in selling insurance and annuities. Outside of his advisory work, Minami is active as a rideshare driver for Lyft and Uber and creates content for a YouTube channel. OSAIC Wealth serves a diverse client base including retail and institutional investors, offering a broad range of brokerage and advisory services with a focus on model-based asset allocation and portfolio optimization. The firm supports various investor types through a multi-advisor platform that includes comprehensive financial planning and third-party money manager programs.

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 two years of industry experience. He holds a Series 66 designation and has worked previously at Equitable Advisors, LLC. Outside of finance, he has pursued unpaid acting and modeling since his teenage years and continues to develop this creative interest alongside his advisory role. Ameriprise Financial Services is a diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service. The firm’s approach includes written recommendation reports and ongoing advice focused on income sources and tax-aware withdrawal strategies, with implementation conducted on a non-discretionary basis.

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.

John Mera is a financial advisor with LPL Financial in Monterey, CA, holding a Series 66 designation and having 24 years of industry experience. He has been with LPL Financial and its predecessor firm since 2006 and previously worked at Morgan Stanley from 2003 to 2006. 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 offers a range of advisory services including financial planning, model portfolio programs, third‑party asset management, and institutional platforms, supported by a large network of investment adviser representatives.

Jennifer Metcalf serves as Vice President, Financial Consultant at Fidelity Investments, a role she has held since 2021. She collaborates with clients to develop efficient financial plans aimed at providing peace of mind, placing clients at the center of the relationship. Jennifer holds the CERTIFIED FINANCIAL PLANNER™ certification and a Bachelor's degree in Finance, cum laude. Her career spans over two decades in the financial industry, including positions as a Financial Advisor at RBC Wealth Management, Merrill Lynch, John Hancock, and MetLife Financial Services, as well as a Compliance Manager at John Hancock. She is licensed with the California Insurance License. Outside of her professional work, Jennifer engages in personal interests such as camping, football, hiking, photography, and singing.

Juan Aldama is a financial advisor with Merrill in Salinas, CA, holding a Series 66 designation and eight years of industry experience. He has worked at Bank of America and Merrill since 2011, totaling 15 years with these firms. Outside of his advisory role, he holds a power of attorney position in a non-investment related entity. 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, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Kai Langenberg is a financial advisor at J.P. Morgan Securities with 20 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Chase Bank and J.P. Morgan Securities since 2019. Prior to that, he was affiliated with Farmers Financial Solutions and Farmers Insurance. J.P. Morgan Securities provides institutional consulting services primarily to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research and offers access to a broad range of strategies including those with an ESG focus.

Douglas Gutshall is a financial advisor with Primerica Advisors in Salinas, CA, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 1993. Outside of his advisory role, he tutors for Classical Conversations, an educational organization. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, which offers model-delivery strategies and a limited number of separately managed account options primarily for individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap-fee structure for its services.

Kevin Newhouse is a Series 66-credentialed financial advisor at OSAIC with 16 years of industry experience. Prior to joining OSAIC, he worked at Morgan Stanley Smith Barney for 10 years and Securities America Advisors for 5 years. He serves as a commissioner on the Santa Cruz County Historic Resources Commission and is a steering committee member of the Aptos History Museum, both volunteer roles focused on local historic preservation and cultural activities. OSAIC Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporations, offering brokerage and advisory services through a multi-advisor platform with model-based asset allocation and portfolio optimization tools. The firm is notable for its scale, recent consolidation activities, and a complex affiliate network comprising broker-dealers, asset managers, insurance, and trust affiliates.

Steven Keller is a Senior Financial Advisor at Merrill Lynch Wealth Management. In this role, he provides investment and financial planning services to clients, leveraging his expertise to support their financial goals. Steven holds the professional designation of Personal Investment Advisor (PIA), reflecting his qualifications in the field. He earned a Bachelor's Degree from Eastern Nazarene College.

Candice Sagehorn is a financial advisor with Charles Schwab, holding Series 63 and Series 66 designations and bringing 33 years of industry experience. She has been with Charles Schwab since 2011, including a role at Charles Schwab Bank, SSB from 2020 to 2021. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers both non-discretionary guidance and access to discretionary separately managed accounts, combining integrated custody and brokerage services.