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.

Larry Nelson is a financial advisor with Ameriprise in Salinas, CA, holding a Series 63 designation and 33 years of industry experience. He previously worked at American Express Financial Advisors Inc. for 28 years before joining Ameriprise in 2020. Outside of his advisory role, he assists his daughter with a small business venture called Sunflower Suds & Scissors. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement with significant investable assets, providing detailed recommendation reports on income sources, Social Security options, and tax-smart withdrawal strategies. As a large institutional firm, it delivers a broad range of advisory, brokerage, and insurance solutions through affiliated companies.

Catherine Horan Walker is a financial advisor with Wells Fargo Clearing in Monterey, CA, holding a Series 66 designation and 27 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. Outside of her advisory role, she co-owns a rental property in Los Angeles with her spouse. 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 options for both discretionary and non-discretionary plan management, including a notable inclusion of insurance-related vehicles and bank deposit sweep options.

Craig Brinton is a Wealth Management Advisor with Merrill Lynch Wealth Management. He works closely with clients to address a broad range of financial goals, including college education planning, retirement income, legacy planning, and family wealth management strategies. Craig collaborates with business owners, agricultural executives, physicians, and attorneys, guiding them through personalized investment strategies, retirement planning, and fiduciary responsibilities related to company retirement plans. He holds multiple professional designations, including CERTIFIED FINANCIAL PLANNER™ (CFP®), Certified Plan Fiduciary Advisor (CPFA™), Certified 401(k) Professional (C(k)P®), Retirement Benefits Consultant (RBC), and Personal Investment Advisor (PIA). Craig earned his Bachelor's Degree from the University of the Pacific and works alongside the SBR Team to provide comprehensive wealth planning services, including trust or individual portfolios, 529 college plans, charitable gifting, insurance, and debt planning. Outside of his professional work, Craig supports various local nonprofit organizations and is involved with community groups such as The Salvation Army, Rotary, and the Boys and Girls Club. His personal interests include biking, fishing, and golfing.

Jared Zhu is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. His prior work includes roles at Bank of America, Panda Express, and UCSC Athletics and Recreation. 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 and profit-sharing plans, corporations, and charitable organizations.

Niko Gutierrez is a financial advisor with Equitable Advisors in Hollister, CA, holding a Series 66 designation and two years of industry experience. He also works as a real estate agent with Christie's International Real Estate - Sereno. Prior to his advisory role, Gutierrez held positions at California State University - Chico, Target Corporation, and San Benito High School. Equitable Advisors serves individual, high-net-worth, retirement plan, corporate, charitable, and institutional clients, offering financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates through a dual-registered model and collaborates extensively with third-party managers and LPL-sponsored programs to provide advisory and brokerage solutions.

Deni Patton is a financial advisor with Cetera, holding a Series 63 designation and over 42 years of industry experience. Patton has been with Cetera Advisors LLC since 2013 and joined Cetera in 2024. Outside of this role, Patton owns and operates Integrated Management Group, a financial services business. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with access to a variety of portfolio management services and third-party money managers, managing over $256 billion in assets through a network of more than 10,000 advisors.

Caroline Duddy is a Senior Financial Advisor at Merrill Lynch Wealth Management. She began her financial services career in 2017 and currently assists clients in building wealth management strategies tailored to their individual needs. Caroline approaches wealth management with a comprehensive perspective, emphasizing informed decision-making and attentive listening. Her expertise spans wealth management and transfer, retirement planning, and asset preservation, supported by over 50 combined years of investment experience within her team. Caroline holds the Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from Loyola Marymount University. Caroline is involved in community organizations including Delta Delta Delta and The Stanford Fund.

Yvonne San Nicolas Barcinas is a financial advisor at Merrill with 22 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Merrill since 2015, following prior experience at Bank of America. Merrill, along 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 for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Joshua Irwin is a financial advisor with Primerica Advisors in Salinas, CA, holding Series 65 and Series 63 licenses and five years of industry experience. His prior roles include positions at WIS International, United Parcel Service, and PFS Investments Inc. He also has involvement in sales of loan products and home-related services through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients, utilizing model-driven strategies managed by third-party asset managers and supported by custodial and trade execution services from Pershing.

Denise Ganji is a financial advisor with Merrill in Monterey, California, holding a Series 66 designation and 27 years of industry experience. She has worked with Merrill since 1999 and has been associated with Bank of America, N.A. since 2011. Outside of her advisory role, she serves as an advisory board member for Shoreline Community Church, a charitable organization in Monterey. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and various institutional investors.

Nicole Leffingwell is a financial advisor with Primerica Advisors in Salinas, CA, holding Series 63 and Series 65 licenses and 17 years of industry experience. Her prior work includes roles at Rejuv At Work, Mt Shasta Engineering, and several small businesses where she held positions ranging from office management to ownership. Outside of advising, she serves as an office manager and corporate secretary for Northgate Design, Inc. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and limited discretionary separately managed accounts primarily to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap-fee structure for its services.

Benjamin Bishop is a Wealth Management Advisor at Merrill Lynch Wealth Management, a role he has held since March 2017. He collaborates with his team to integrate all aspects of his clients' financial lives, helping them prioritize and pursue their most important goals. Ben focuses on assisting clients in articulating both short-term and long-term objectives and developing financial strategies to achieve them. Ben holds a Bachelor's degree in Psychology with a Minor in Biology, as well as a Master's degree in Psychology with an emphasis on Biological Psychology, both from Humboldt State University. He is a Certified Financial Planner (CFP) and holds the Personal Investment Advisor (PIA) designation. Originally from Monterey, California, Ben and his wife Kellie returned to Monterey County to be closer to family, where they now live with their three-year-old daughter. Outside of his professional work, Ben enjoys biking, golfing, rock climbing, spending time with his family, and watching movies.

Natalie Smith is a financial advisor at Osaic with four years of industry experience and holds a Series 66 designation. Her prior work includes roles at Securities America Advisors and Architectural Facades. Osaic Wealth, Inc. serves a diverse client base ranging from individual investors to corporations and charitable organizations through a wide network of financial advisers. The firm provides integrated brokerage and advisory services, utilizing asset-allocation tools and third-party platforms to construct and manage portfolios across various asset classes.

Philip Tringali is a Financial Consultant at Fidelity Investments, a role he has held since 2025. He collaborates with clients to develop customized financial plans that address their individual and family needs, utilizing Fidelity's digital tools and internal expertise to navigate complex financial planning. With 20 years of experience in the financial industry, Philip's background includes positions such as Investment Consultant at Fidelity Investments from 2023 to 2025 and various roles at Wells Fargo Bank from 2005 to 2023, including Senior Branch Premier Banker and Branch Manager. He holds a California Insurance License. Outside of his professional work, Philip enjoys baseball, comedy, concerts, family activities, golf, and traveling.

David Jenkins is a financial advisor with Ameriprise in Salinas, CA, holding a Series 66 designation and 25 years of industry experience. He previously worked at Bank of America and Merrill Lynch. Jenkins serves on the board of directors for Partners for Peace, a local nonprofit organization. Ameriprise provides retirement-income planning services targeted at individuals nearing or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary recommendations and offers a broad range of advisory, brokerage, and insurance solutions.

Charles Leupold is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 credentials and 11 years of industry experience. He has worked with Primerica Advisors since 2021 and previously spent eight years at PFS Investments Inc. In addition to his advisory role, he is involved in sales of home security and automation products through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering 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.

Cintia Sanchez Rivera is a financial advisor at Merrill with six years of industry experience. She holds a Series 66 designation and has been with Merrill and Bank of America since 2017. Prior to her current role, she was involved with Mi Pueblo Newco LLC and Mi Pueblo #20 from 2013 to 2017. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program for a range of clients including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers model-based and discretionary investment strategies constructed by internal and third-party managers.

Kyle George is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and bringing 11 years of industry experience. He has worked at JP Morgan Chase Bank and J.P. Morgan Securities LLC since 2013. 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 through a select group of Wealth Advisors. As a subsidiary of J.P. Morgan, the firm combines institutional advisory operations with brokerage and investment management capabilities.

Eriberto Alvarez is a financial advisor at Merrill with 19 years at the firm and 8 years of industry experience. He holds a Series 66 designation and is based in Monterey, CA. 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 strategies for a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.