Diana Colmenares is a financial advisor at Raymond James Financial with 11 years of industry experience. She holds a Series 66 designation and previously worked at Commonwealth Financial Network, Kendall Wealth Partners, and Income Works, Inc. In addition to her advisory role, she assists with data entry for a local CPA firm. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to individual, high-net-worth, institutional, and nonprofit clients. The firm offers tailored, non-discretionary planning using risk profiling and analytical tools, supporting client implementation through various advisory programs.

Eugene Ganeles is a financial advisor at Cetera with 14 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Avantax and Avantax Insurance Agency prior to joining Cetera. He is also president and owner of Ganeles & Associates, a CPA firm, and serves as a trustee and member of local organizations including the Monterey Peninsula Chamber of Commerce and the Rotary Club of Monterey. Cetera Investment Advisers LLC is an SEC-registered adviser that serves individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management, financial planning, and retirement services using various program platforms and investment strategies.

Melissa Paddock is a CFP® with eight years of industry experience, currently serving as a financial advisor at Raymond James Financial in Monterey, CA. Her prior experience includes roles at RBC Capital Markets, LLC, and seven years at Pebble Beach Company. She is the sole owner and CEO of Paddock Financial Planning Inc. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, and institutions. The firm employs fact-finding, risk profiling, and analytical modeling to tailor non-discretionary planning and investment consulting to client goals.

James Jenkins is a financial advisor with Morgan Stanley in Carmel-by-the-Sea, CA, holding a Series 66 license and 20 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and has worked at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management provides advisory programs to individuals and institutions, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s financial planning emphasizes structured discovery and modeling tools, while clients are responsible for plan implementation and updates.

Inessa Ilina is a financial advisor at Raymond James & Associates with 12 years of industry experience. She holds a Series 66 designation and previously worked at Morgan Stanley and Morgan Stanley Private Bank for a combined 10 years. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and municipal advisory services.

Eduardo Munoz Perez is a financial advisor at Edward Jones with three years of industry experience. Prior to joining Edward Jones in 2025, he worked at Merrill Lynch (Bank of America) for six years. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a wide range of investment advisory services, including discretionary and non-discretionary strategies, separately managed accounts, and proprietary mutual funds, supported by a large national network of financial advisors and branch offices.

Jason Adams is a Financial Consultant currently working at Fidelity Investments since 2024. He has been involved in the financial services industry since 2020, having previously served as an Investment Consultant at Fidelity Investments from 2023 to 2024 and as a Financial Advisor at Northwestern Mutual from 2020 to 2023. His experience focuses on retirement plans, tax-efficient investing, and investment allocation. Jason emphasizes a professional approach that values simplicity, transparency, and trust to assist clients in making informed financial decisions. He holds a California Insurance License.

David Boland is a financial advisor with UBS Financial Services, holding Series 63 and Series 65 credentials and 27 years of industry experience. His career includes prior roles at Merrill Lynch and Bank of America. He is based in Carmel By The Sea, CA. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, employing model-based asset allocations and proprietary research to tailor financial plans. The firm combines institutional trading capabilities with wealth management services, including discretionary portfolio management and capital markets activities.

Davyere Reed is a Financial Consultant at Fidelity Investments, a role he has held since 2024. Prior to this position, he served as an Investment Consultant and Workplace Planning Associate at Fidelity Investments from 2023 to 2024 and 2022 to 2023 respectively. Before joining Fidelity Investments, Reed worked as a Financial Representative at Northwestern Mutual from 2021 to 2022. With expertise in investment planning, tax-efficient investing, and income planning, Reed focuses on understanding his clients' current financial circumstances and future goals to build tailored financial plans. He holds a California Insurance License, supporting his capability in providing comprehensive financial advice. Outside of his professional work, Reed has interests in cars, food, and skiing.

Imelda Renteria is a financial advisor with UBS Financial Services in Carmel, CA, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. She has been with UBS since 2015. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a range of brokerage and advisory offerings, combining institutional trading capabilities with wealth management services and utilizing proprietary research and model-based asset allocations to tailor investment plans.

Paul Gregory III is a Senior Financial Advisor and Managing Director at Merrill Lynch Wealth Management, based in the Monterey, CA branch office. He has been with Merrill Lynch since 1997 and leads an eight-person team that serves high net worth families, businesses, institutions, and endowments. Paul's focus includes delivering a broad range of financial services, strategies, and guidance tailored to address retirement planning, legacy planning, institutional and corporate benefit services, and investment consulting for defined contribution plans. Paul holds multiple professional designations, including Certified 401(k) Professional (C(k)P®), Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC®), and Chartered Retirement Plans Specialist (CRPS®). He leverages his expertise to assist plan sponsors and employees with compliance to ERISA requirements and employee education on retirement benefits, social security, Medicare, debt management, and other related topics. Paul earned a high school diploma from Grace Davis High School and a bachelor's degree from California State University Stanislaus. Outside of his professional role, he enjoys golfing, music, and spending time with his family. He and his wife Dominique have been married since 2002 and have three children.

Paul Chase is a financial advisor at LPL Financial with 39 years of industry experience. He holds the Series 66 designation and has been with LPL Financial since 2010. Outside of his advisory work, he engages in photography as a hobby and has written a short story intended for publication. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients including individuals, retirement plans, and institutions. The firm offers diverse financial planning and advisory programs, leveraging research and multiple management approaches to support client portfolios.

Semen Solgan is a financial advisor at LPL Financial with 15 years of industry experience. He holds a Series 66 designation and has worked at LPL Financial since 2019, following six years with Cuso Financial Services and ongoing involvement with Bay Federal Credit Union since 2013. 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 range of financial planning and advisory services, including model portfolios and retirement plan consulting.

Frank Dyer is a financial advisor at Stifel with 46 years of industry experience. He has held his role at Stifel Nicolaus & Co. Inc. since 2008. He holds Series 63 and Series 66 designations and is based in Monterey, California. Stifel serves a broad range of clients including individuals, institutional clients, and charitable organizations, providing both brokerage and investment advisory services. The firm uses a proprietary methodology developed by its Investment Strategy Group to support asset allocation and planning analyses, with clients retaining discretion over implementation.

Henry Nigos is a financial advisor with Cambridge Investment Research Advisors and holds Series 63 and Series 66 designations. He has 25 years of industry experience and has been with Cambridge since 2009. Outside of his primary role, he serves as an independent insurance agent and is president of Nigos Investments Inc. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals, utilizing multiple custody platforms and a range of portfolio management strategies.

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.

Michael Mccloud is a financial advisor at Ameriprise with 28 years of industry experience. He holds Series 63 and Series 66 designations and previously worked at Stifel Nicolaus & Co Inc for 16 years. Outside of his advisory role, he is involved in multi-family real estate ownership in Salinas, California. Ameriprise provides retirement-income planning services primarily for clients approaching or in retirement who meet specific asset criteria, combining research and modeling with tax-efficient strategies. The firm also offers a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

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.

John Giammanco is a financial advisor at Ameriprise with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Wells Fargo Advisors and Wells Fargo Clearing before joining Ameriprise in 2023. Outside of financial services, he is a co-owner of Sahara Sun Tanning, a retail business in Monterey, California. Ameriprise provides retirement-income planning services primarily for clients with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary recommendations through a centralized consulting team.

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.