David Reineking is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 19 years of industry experience. He has worked at Merrill and Bank of America prior to joining Wells Fargo Clearing in 2017. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

David Parker is a financial advisor with Wells Fargo Clearing and holds a Series 66 designation. He has six years of industry experience and has been associated with Wells Fargo Bank since 1999. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and wrap-fee programs. The firm manages approximately $671 billion in assets and offers a mix of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party databases.

James Williams is a financial advisor with Ameriprise, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. His prior roles include positions at Morgan Stanley Private Bank and Wells Fargo Advisors. He serves on the boards of Meals on Wheels of Monterey as Treasurer and Hospice Giving Foundation as a member. Ameriprise provides retirement-income planning services aimed at individuals approaching or in retirement, combining research, modeling, and tax-efficient strategies to create personalized recommendation reports. The firm offers a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Christian Ekberg is a financial advisor at Edward Jones in Carmel, CA, with 23 years of industry experience. He holds Series 66, Series 63, and Series 65 designations. His prior experience includes positions at Bank of America NA, Merrill Lynch, Spyglass Fiduciary Consultants, and Wells Fargo Bank NA. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Alexander Ljubimow is a financial advisor with UBS Financial Services in Carmel, CA, holding a Series 66 designation and bringing 21 years of industry experience. He has been with UBS since 2004. Outside of his advisory role, he is involved as a partner in Central Coast Juicery, a cold-pressed juice maker. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory services, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management and offers a broad range of capital markets services.

Janet Arroyo is a financial advisor at Charles Schwab with Series 66 and Series 63 licenses and four years of industry experience. Her prior roles include positions at Fidelity Investments, Merrill Lynch, Bank of America, and Charles Schwab Bank. She also has experience working at Bernardus Lodge and Spa from 2015 to 2019. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of advisory, brokerage, custody, and financial planning services. The firm provides both non-discretionary investment guidance and access to discretionary separately managed accounts using multi-asset model portfolios and a formal alternative-investment process.

Bradley Larson is a financial advisor with Cetera who holds Series 63, 65, and 66 licenses and has 38 years of industry experience. He previously worked at U.S. Bancorp Advisors and J.P. Morgan Securities. Larson is also president of Strategic Wealth Advisory, where he provides investment, retirement, financial, and tax planning services. Cetera Investment Advisers LLC serves a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various discretionary and non-discretionary portfolio management options and access to third-party money managers.

Sean Spowart is the principal of Cypress Coast Investments and has 7 years of industry experience. He is a licensed real estate broker and sole proprietor of a real estate brokerage business in California. Sean has managed Cypress Coast Investments since 1992. Cypress Coast Investments primarily manages pooled investment vehicles and other institutional assets, focusing on setting investment policy for those funds. The firm’s investment approach includes an hourly fee structure and an affiliation with a real estate brokerage, distinguishing it from many other institutional investment managers.

Kevin Price is the sole advisor at Interlake Capital Management, LLC, an independent firm based in Carmel, CA. He holds a Series 66 designation and has 20 years of industry experience, having been with Interlake Capital Management since 2006. Outside of his advisory role, he works part-time as a caddie at Pebble Beach Resorts. Interlake Capital Management serves a small client base of individuals and retirement-plan sponsors, offering portfolio management and financial advisory services primarily on a non-discretionary basis. The firm combines pension consulting with individualized, recommendation-driven advice, a service mix that sets it apart from many solo independent advisors.