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.

Cathy Carlone is a financial advisor with Wells Fargo Clearing in Carmel, CA, holding a Series 66 designation and 21 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advisory options. The firm’s investment approach is driven by investment policy statements and modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its offerings.

Diana Dirocco is a financial advisor at Ameriprise with 10 years of industry experience. She holds Series 63 and Series 66 designations. Her prior work includes positions at Wells Fargo Clearing, Springer Financial Advisors, and Merrill. Ameriprise Financial Services is a large firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning focused on dependable income sources and tax-aware withdrawal strategies.

Charles Evans is a financial advisor at Ameriprise with seven years of industry experience. He previously worked at City National Bank and RBC Capital Markets, LLC, as well as Cisco Systems. Outside of his advisory role, he is a co-owner of MECA Worldwide LLC, a business unrelated to investments. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement with substantial investable assets. The firm provides written Recommendation Reports using a combination of research, modeling, and tax-efficiency analysis, with an emphasis on assets held in Ameriprise Managed Accounts.

Jessica Stewart is a financial advisor with Merrill, holding a Series 66 designation and 18 years of industry experience. She has been with Merrill since 2005. 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 developed by internal Chief Investment Office teams and third-party managers for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Justin Rivera is a financial advisor with Wells Fargo Advisors, holding a Series 66 credential and bringing 10 years of industry experience. He previously worked at JP Morgan Securities from 2016 to 2025. Outside of his advisory role, Rivera co-owns a business focused on writing, contracting editors, and managing publishing negotiations. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients with a broad range of investment and financial planning services, utilizing proprietary research and planning tools. The firm offers tailored, generally discrete planning engagements and integrates advisory services with multiple financial product channels.

Jacob Calderon is a Series 66-licensed financial advisor with UBS Financial Services in Carmel, CA, and has eight years of industry experience. He previously worked for Monterey Peninsula Country Club for four years before joining UBS in 2018. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a blend of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, leveraging proprietary research and model-based asset allocations to tailor client strategies.

Allison Ryan is a CFP® with 25 years of industry experience, currently serving as a financial advisor at Wells Fargo Clearing since 2016. She previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Outside of her advisory role, she is the Investment Committee Chairperson for the Vetrans Transition Center in Marina, CA. 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 broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Christoph Stapleton is a financial advisor with Ameriprise, holding Series 63 and Series 66 credentials and bringing 32 years of industry experience. He has been with Ameriprise and its affiliated entities since 2003. Outside of his advisory role, he owns Fortuitous Services, Inc., an S-corporation that assists with administrative and staffing responsibilities related to his practice. Ameriprise serves clients primarily through retirement-income planning services targeted at individuals approaching or in retirement with significant investable assets. The firm employs a centralized consulting team to deliver non-discretionary, research-driven recommendations combining modeling, tax efficiency, and adaptive withdrawal strategies.

Christopher Grado is a Financial Consultant currently working at Fidelity Investments since 2021. In this role, he partners with clients to develop comprehensive financial plans that align with their short-term and long-term goals. He focuses on understanding clients' priorities and works to ensure they feel confident in their financial future. Prior to his current position, Christopher served as a Financial Advisor at Edward Jones from 2018 to 2021. He holds a California Insurance License, supporting his ability to provide insurance-related financial guidance. Outside of his professional work, Christopher engages in family activities, parenthood, photography, and traveling.

Alexander Newman is a financial advisor with Wells Fargo Clearing in Carmel, CA, holding a Series 66 designation and three years of industry experience. Prior to joining Wells Fargo Clearing in 2022, he worked in construction with Devcon Construction and Murray and Stafford Construction. He also has a background with the University of Denver. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory approach is IPS-driven and based on modern portfolio theory, including unique investment options such as insurance-related vehicles and bank deposit sweep programs.

Sarah Nadiri is a financial advisor at Charles Schwab with seven years of industry experience. She holds the CFP® designation as well as Series 63, 65, and 66 licenses. Before joining Schwab, her work history includes roles at HUB Investment Partners, Regency Investment Advisors, and Northwestern Mutual Investment Services. 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 managed-account services. The firm combines non-discretionary and discretionary investment options with centralized custody and operational support.

Itzak Beleche Gonzalez is a financial advisor at Charles Schwab with five years of industry experience. He holds a Series 66 designation and has prior experience at Merrill and Bank of America. Charles Schwab & Co., Inc. serves 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 a combination of non-discretionary advisory relationships and access to affiliated discretionary separately managed accounts, supported by multi-asset model portfolios and centralized operational infrastructure.

Joseph Arellano Jimenez is a financial advisor with Edward Jones in Salinas, CA, holding a Series 66 designation and having one year of industry experience. Prior to joining Edward Jones in 2024, he worked at Northwestern Mutual Investment Services LLC and Northwestern Mutual Life Insurance Company. He also has experience in real estate with DealMakers Realty and served at the Monterey County Office of Education. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of investment and advisory solutions, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets through a nationwide network of over 23,000 financial advisors and 15,000 branch offices.

Michael Enz is a financial advisor at UBS Financial Services with 31 years of industry experience. He holds Series 63 and Series 65 licenses and has been with UBS since 2015. Outside of his advisory work, he serves on the board of the San Benito County Heritage Foundation, participating in meetings and overseeing investment of funds. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides a wide range of capital markets resources.

Daniel Kreer Jr. is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and bringing 53 years of industry experience. He has worked with Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Outside of his advisory work, he serves on the York School Board of Trustees. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing advisory programs to individuals and institutions, including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers a broad range of retail and institutional investment services.

Diana Colmenares is a financial advisor with Raymond James Financial in Pacific Grove, CA, holding a Series 66 designation and 11 years of industry experience. Her prior roles include positions at Kendall Wealth Partners, Commonwealth Financial Network, and Income Works, Inc. Outside of financial advising, she assists with tax preparation duties at Susan L. Kendall, CPA. 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, institutions, and charitable organizations. The firm employs tailored, non-discretionary planning and analytical tools to support client goals and offers specialized programs such as municipal advisory services and SIMPLE IRA Employer Advisory & Consulting Services.

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 financial advisor at Raymond James Financial with nine years of industry experience. She holds the CFP® designation and Series 66 license. Her prior work includes roles at RBC Capital Markets and the Pebble Beach Company. She is the sole owner and CEO of Paddock Financial Planning Inc., a business she continues to operate alongside her advisory role. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including high-net-worth individuals, corporations, and institutional clients. The firm employs risk profiling and analytical tools to support non-discretionary planning and consulting, while also offering specialized municipal advisory services and SIMPLE IRA Employer Advisory programs.

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.