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.

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.

Justin Hannah is a financial advisor at Primerica Advisors with 20 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Primerica Advisors and Primerica Financial Services since 2006. Outside of his advisory role, he is self-employed as a handyman. Primerica Advisors sponsors a wrap-fee asset management program serving individual investors, as well as corporate and charitable clients. The firm utilizes model-delivery investment strategies managed by unaffiliated asset managers and offers portfolio services supported by BNY Mellon Advisors and Pershing for trade execution and custody.

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.

Tammy Jones is a financial advisor at Edward Jones with 31 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Edward Jones since 2019. Prior to that, she spent 10 years at Charles Schwab and Charles Schwab Bank. 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 strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Kyle Sharp is a CFP® with 15 years of experience in the financial industry. He has been with Edward Jones since 2009. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of investment solutions, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

Patricia Brukoff is a financial advisor at Merrill with 20 years of industry experience. She holds a Series 66 designation and has been with Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2006 and Bank of America, N.A. since 2009. Outside of her advisory role, she serves as a power of attorney and co-trustee for family trusts. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for a wide range of clients including individuals, high-net-worth clients, and institutional investors.

Aghahowa Igbinovia is a Series 66-licensed financial advisor with J.P. Morgan Securities, bringing 11 years of industry experience. He has been with J.P. Morgan Securities since 2014 and is involved in soccer coaching and development through his role at Hollister Soccer Academy. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments, focusing on non-discretionary, written asset allocation advice combined with manager searches and customized performance reporting. The firm’s advisory process is supported by centralized due diligence and incorporates systematic research and ESG eligibility considerations.

John Musni is a financial advisor at Edward Jones in Salinas, CA, holding Series 63 and Series 65 licenses with 32 years of industry experience. He has been with Edward Jones since 2002. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages over $1 trillion in assets and offers a range of advisory programs and investment strategies supported by a large network of advisors and branch offices nationwide.

Philip Vy is a financial advisor with Morgan Stanley in Monterey, CA, holding a Series 66 designation and having 24 years of industry experience. He has worked with Morgan Stanley Private Bank, National Association since 2015 and has been associated with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through Corporate Financial Planning agreements.

Alexander Duddy is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he has been part of the team since 2016. He provides customized service support to clients and internal assistance to the advisor team, focusing on managing investments to help clients pursue their desired retirement lifestyles. Alexander and his team have decades of experience assisting clients through various market cycles and life changes. His areas of expertise include family wealth management strategies, legacy planning, LGBT wealth planning, managing new wealth, personal retirement planning, portfolio management services, socially responsible and ESG investing, women and wealth, tax minimization, and retirement income. Alexander holds professional designations as a Certified Investment Management Analyst (CIMA) and Personal Investment Advisor (PIA). He earned his high school diploma from Moorpark High School and his bachelor's degree from the California State University System. Outside of his professional role, Alexander enjoys adventure sports, golfing, hiking, music, running marathons, spending time with his family, traveling, watching movies, and practicing yoga. He and his wife often take their daughter to Point Lobos and Carmel Valley. Additionally, Alexander is involved with the Leukemia & Lymphoma Society.

Scott Mcalister is a financial advisor with Morgan Stanley in Monterey, CA, holding Series 63 and Series 66 credentials and bringing 26 years of industry experience. He has worked with Morgan Stanley Private Bank, National Association since 2015 and with Morgan Stanley Smith Barney since 2012. Outside of his advisory role, Mcalister serves as a board member of The Pacheco Club of Monterey and is on the investment committee of the Grand Lodge of Free and Accepted Masons of California. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs and tailored financial planning to individual and institutional clients. The firm manages approximately $2.74 trillion in client assets and utilizes structured discovery processes and advanced modeling tools as part of its financial planning services.

Aida Rosas is a financial advisor at Wells Fargo Clearing with 10 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at firms including Fidelity Investments, Bank of America, Merrill, and J.P. Morgan Securities. Outside of her advisory role, she provides bookkeeping and administrative support for a maintenance and repair service provider. Wells Fargo Clearing offers retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, providing both discretionary and non-discretionary investment advice. The firm’s process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options within its investment offerings.