Herbert Harrison Jr. is a financial advisor at Wells Fargo Clearing with 44 years of industry experience. He holds the Series 63 designation and has worked with Wells Fargo Clearing since 2016, following a seven-year tenure at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a range of investment options including insurance-related vehicles and bank deposit sweep programs.

Sandra Dee is a financial advisor at Merrill with 36 years of industry experience. She holds Series 63 and Series 65 credentials and has worked at Merrill since 2018, following five years at UBS Financial Services Inc. Outside of her advisory role, she works as a group fitness instructor at Gold's Gym and In Shape Health Clubs. 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 investment strategies for individuals, high-net-worth clients, and institutional investors.

Elliot Ichinose is a financial advisor at Morgan Stanley with 23 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley since 2016, including roles at Morgan Stanley Private Bank. Prior to that, he was employed by Wells Fargo Advisors and Wells Fargo Clearing. Outside of his advisory work, Elliot is involved in managing rental property as a sole proprietor. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including customized financial planning that utilizes structured discovery processes and firm-approved planning tools.

Kelly Le Ho is a financial advisor with Wells Fargo Clearing in Carmel, CA, holding Series 66 and Series 63 licenses and seven years of industry experience. Kelly has worked at Wells Fargo Clearing Services LLC since 2019 and Wells Fargo Bank NA since 2014. In addition to advisory work, Kelly is a California-commissioned notary public. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Cydney Crampton is a financial advisor at RBC Capital Markets with 42 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at both City National Bank and RBC Capital Markets, where she has been employed since 2008. Crampton serves as the elected Secretary of the Board for the Foundation of California State University, Monterey Bay. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, and charitable organizations. The firm offers a range of advisory programs and portfolio management services, tailoring investment strategies to clients’ risk profiles through a combination of in-house and third-party managers.

Elizabeth Kirkpatrick is a Wealth Management Advisor at Merrill Lynch Wealth Management. She holds the position of Senior Vice President and is a CERTIFIED FINANCIAL PLANNER™ certificant. Elizabeth has been with Merrill Lynch Wealth Management for over 40 years, working closely with clients to achieve their personal financial goals. Her expertise includes retirement planning, trust and estate planning services in collaboration with family tax accountants and attorneys, corporate cash management, individual wealth preservation and insurance planning strategies, business strategies and transition planning, business retirement plans, banking, and credit and lending services provided through Bank of America, N.A. She focuses on areas such as college education planning, divorce transition planning, family wealth management strategies, socially responsible and ESG investing, tax minimization, and women and wealth. Elizabeth holds a Bachelor's Degree from the University of California, Santa Cruz. Outside of her professional work, she has personal interests in golfing, pickleball, tennis, and yoga.

Kayla Franco is a Planning Consultant at Fidelity Investments, where she collaborates directly with Financial Consultants as part of the Fidelity Wealth Management Team. In her role, she partners with clients to develop personalized financial plans tailored to their unique needs, priorities, and preferences. Kayla has been serving as a Planning Consultant at Fidelity Investments since 2026. She holds a California Insurance License, which supports her work in financial planning. Her approach focuses on understanding clients' values to drive their short- and long-term financial goals and emphasizes building strong, lasting relationships with clients and their families. Outside of her professional responsibilities, Kayla enjoys spending time at the beach, outdoor adventures, painting, theater, and traveling.

Matthew McConnell is a financial advisor at Charles Schwab with 29 years of industry experience. He holds Series 63 and Series 66 designations. His prior experience includes 16 years at American Century Investment Services, Inc. before joining Charles Schwab and Charles Schwab Bank SSB in 2019. 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 and discretionary investment guidance using multi-asset model portfolios, supported by centralized custody and operational infrastructure.

Tyler Jaques is a financial advisor with Wells Fargo Clearing in Lake Oswego, OR, holding a Series 66 designation and 15 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2010 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans. The firm’s advisory process is IPS-driven, incorporates modern portfolio theory, and includes a range of investment options such as insurance-related vehicles and bank deposit sweep programs.

Deborah Josue is a financial advisor with Edward Jones in Monterey, California, holding a Series 66 license and six years of industry experience. Prior to joining Edward Jones in 2020, she worked at the Hilton San Francisco Union Square for four years. Outside of her advisory role, she has been involved as a brand ambassador for a jewelry business. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, supported by a large nationwide network of financial advisors and branch offices.

Timothy Burkhardt is a Financial Consultant at Fidelity Investments, a position he has held since 2023. Prior to this role, he worked as an Investment Consultant at Fidelity Investments from 2022 to 2023. Before joining Fidelity, Timothy was a Private Banker at Wells Fargo Bank from 2015 to 2022. His professional experience encompasses financial consulting, investment consulting, and private banking. Timothy holds a California Insurance License, which supports his work in providing financial advice and planning. Outside of his professional responsibilities, Timothy has interests in art, baseball, movies, music, and traveling.

Oscar Alcala is a Financial Advisor with Merrill Lynch Wealth Management. In his role, he works one-on-one with clients to define their financial goals and develop portfolio strategies aimed at achieving them. He provides ongoing advice and adapts clients' portfolios as their situations change. Oscar's expertise encompasses managing complex financial priorities including retirement planning, funding education, elder care, and healthcare preparation. He holds professional designations such as Accredited Wealth Management Advisor (AWMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). He earned a Bachelor's Degree from California State University of Monterey Bay and is proficient in English and Spanish. Beyond his professional activities, Oscar participates in community involvement through El Camino Futbol Club. His personal interests include camping, golfing, and soccer.

John Giammanco is a financial advisor with Ameriprise in Salinas, CA, holding a Series 66 designation and five years of industry experience. His prior roles include positions at Wells Fargo Clearing Services, Shine, Coastal Dispensary, New Level Collective, and Genuine Restaurant Concepts. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets, offering written recommendation reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm employs a centralized retirement-income consulting team and uses a combination of research, modeling, and algorithmic tools to generate tailored recommendations.

Anthony Seitz is a financial advisor at J.P. Morgan Securities with 14 years of industry experience. He holds Series 63 and Series 66 designations and has worked with JPMorgan Chase Bank and J.P. Morgan Securities since 2012. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework when recommending strategies.

Charles Cha is a financial advisor at OSAIC with 29 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Woodbury Financial Services and Questar Asset Management. Outside of his advisory role, he owns CHA FINANCIAL, a business focused on the sale of fixed annuities, life, health, disability, long-term care insurance, and employee benefits. OSAIC serves a diverse client base, including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, utilizing asset-allocation tools, risk-tolerance assessments, and third-party platforms to manage portfolios across a range of asset classes.

Melanie Pitnick is a Wealth Management Advisor at Merrill Lynch, based in Carmel, CA. Since joining Merrill Lynch Wealth Management in 2014, she has focused on providing personalized financial advice and guidance to help clients prepare financially throughout various life transitions. Melanie works with affluent individuals to design customized wealth management strategies that incorporate tax minimization, estate planning, retirement income analysis, and tailored asset allocation. Melanie holds a Bachelor's degree in Psychology and Neuroscience from the University of Colorado at Boulder and has earned the CERTIFIED FINANCIAL PLANNER® and Certified Plan Fiduciary Advisor® designations. She is a member of an eight-person team at Merrill Lynch, offering clients access to the resources of a global financial institution while maintaining the experience of a boutique firm. Outside of her professional role, Melanie is involved in her community as a board member and coach for the Carmel Community Girls Softball Program. In her personal time, she enjoys traveling, spending time with her pets, and coaching youth softball in Carmel.

Christopher Boyns is a financial advisor with Morgan Stanley in Monterey, CA, holding a Series 66 designation and six years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2020. Prior to his current roles, he was involved with Bronco Wine Company and Caddie Services LLC. Outside of his advisory work, Boyns serves as a board member and finance committee member for Ducks Unlimited, an environmental nonprofit. Morgan Stanley Wealth Management provides advisory programs and financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets and offering plans through structured discovery processes and firm-approved tools.

Alex Minelli is a financial advisor at J.P. Morgan Securities with a Series 66 credential and two years of industry experience. Prior to joining J.P. Morgan Securities and JPMorgan Chase Bank, N.A., Alex worked at Merrill and Bank of America for four years each. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework when recommending strategies.

Jacob Torres is a Planning Consultant at Fidelity Investments, a position he has held since 2025. He brings over 15 years of experience in the financial industry to his role, where he collaborates with clients to develop strategies aligned with their long-term financial objectives. His work centers on guiding clients through every stage of their financial journey. Prior to joining Fidelity Investments, Jacob held roles at Morgan Stanley and Wells Fargo Private Bank, including positions as Wealth Management Associate, Trust Associate, Private Banking Associate, and Personal Banker. He holds a California Insurance License. Outside of his professional life, Jacob has interests in fishing, movies, museums, photography, and traveling.

Andres Gomez is a financial advisor at Ameriprise with one year of industry experience. He holds a Series 66 designation and previously worked at Equitable Advisors. Outside of advising, he participates in acting and modeling as a creative outlet, having been involved in community events since his teenage years. Ameriprise serves clients primarily through its retirement-income planning service aimed at individuals nearing or in retirement, combining research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations. The firm offers a broad range of advisory, brokerage, and insurance solutions as a large institutional provider.