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 PFS Investments Inc., United Parcel Service, and WIS International. He is also involved in sales of loan products and home-related services through affiliates of PFS Investments Inc. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including high-net-worth clients, as well as corporate and charitable clients. The firm delivers advisory services through a model-driven approach supported by unaffiliated asset managers and provides custody and trade execution through Pershing.

Nicole Leffingwell is a financial advisor with Primerica Advisors in Salinas, CA, holding Series 63 and Series 65 licenses and 18 years of industry experience. Her prior roles include office management and corporate secretary positions at Northgate Design, Inc., alongside various positions in outdoor recreation and wellness businesses. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients, utilizing model-driven investment strategies and discretionary management supported by established custody and trade execution 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.

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.

Sandra Taitingfong is a financial advisor at Wells Fargo Clearing with nine years of industry experience. She holds a Series 66 designation and previously worked at Monterey Bay Charter for three years before joining Wells Fargo in 2017. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

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.

Leigh Jeter Stanford is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 credentials and possessing 26 years of industry experience. His prior roles include positions at Golden State Wealth Management, LPL Financial, Hilltop Securities, and Charles Schwab. He serves on the board of directors for an animal welfare assistance group in Monterey, CA. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA 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 includes a discretionary investment option, with a broad product menu that notably incorporates insurance-related vehicles and bank deposit sweep options.

Kawa Najim is a financial advisor with Morgan Stanley in Monterey, CA, holding a Series 66 designation and 24 years of industry experience. Prior to joining Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC in 2024, Najim worked at Bank of America and Merrill, where he spent 15 and 19 years respectively. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and investment modeling in its financial planning process.

Kyle George is a financial advisor with J.P. Morgan Securities in Monterey, CA, holding Series 63 and Series 66 licenses and bringing 11 years of industry experience. He has worked with J.P. Morgan Chase Bank and J.P. Morgan Securities since 2013. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process combines quantitative and qualitative research, incorporates ESG considerations, and includes capabilities in derivatives and commodities.

Luisa Garcia is a Series 66-credentialed financial advisor with 12 years of industry experience. She has worked at Morgan Stanley since 2018, with prior roles at Merrill and Wells Fargo Clearing. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and investment modeling techniques.

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.

Stephanie Littleton is a financial advisor with Edward Jones in Hollister, CA. She holds a Series 66 designation and has experience at Edward Jones spanning several periods since 2015, as well as seven years at Monterey Trust Management. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and charitable organizations. The firm offers a range of investment strategies, operates under a fiduciary standard, and manages approximately $1.01 trillion in assets through a nationwide network of financial advisors and branch offices.

Whitney Ning is a financial advisor at Merrill with 23 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Merrill since 2009, previously working at Bank of America, N.A. Whitney 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 investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Michael Sanchez is a financial advisor at Merrill with one year of industry experience. He holds a Series 66 designation. His work history includes roles at Bank of America, Merrill, Central Coast Federal Credit Union, and prior experience outside the financial industry in food service and education. 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 individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Julie King is a financial advisor with LPL Financial, holding one year of industry experience. She has worked at LPL Financial since 2025 and has been associated with Pierce King, P.C., a professional law corporation, since 2012. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of investment programs, including financial planning, third-party asset management, and institutional platforms, supported by both discretionary and non-discretionary strategies.

Anny Tran is a Planning Consultant at Fidelity Investments since 2025. In her role, she collaborates with clients to develop financial plans aimed at achieving their short-term and long-term goals, emphasizing exceptional service and ongoing client relationships. Prior to joining Fidelity Investments, she worked as a Senior Premier Banker at Wells Fargo Bank from 2007 to 2025. She holds a California Insurance License.