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.

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.

John Mera is a financial advisor with LPL Financial in Monterey, CA, holding a Series 66 designation and 23 years of industry experience. He has been with LPL Financial, formerly LINSCO/PRIVATE LEDGER CORP., since 2006. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a wide range of clients, including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers various advisory programs and financial planning services, utilizing model portfolios and research from LPL Research and third-party subadvisors.

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 certifications and has been with J.P. Morgan since 2019. Prior to joining J.P. Morgan, he worked at Farmers Financial Solutions and Farmers Insurance from 2016 to 2019. J.P. Morgan Securities provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and incorporating an ESG eligibility framework in its recommendations.

Vlada Trostyanskaya is a financial advisor at Raymond James Financial with two years of industry experience. She holds the Series 66 designation and has worked with Capital Waypoint LLC in a non-investment-related advisory capacity. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual and institutional clients. The firm uses a combination of risk profiling and analytical tools to deliver tailored, non-discretionary investment consulting aligned with client goals.

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-registered financial advisor with 16 years of industry experience. He currently works at OSAIC, having joined in 2024, and previously held positions at Securities America Advisors and Morgan Stanley Smith Barney. Outside of his advisory role, Newhouse serves as a commissioner on the Santa Cruz County Historic Resources Commission and is a steering committee member of the Aptos History Museum. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms. The firm provides integrated brokerage and investment advisory services, utilizing asset-allocation tools and third-party solutions to manage portfolios that may include various securities across discretionary and non-discretionary accounts.

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.