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.

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.

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.

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.

Aviala Houston is an Investment Consultant at Fidelity Investments, a position she has held since 2021. In her role, she focuses on collaborating with clients to develop tailored financial approaches that align with their current and future financial goals. Her professional experience centers on providing knowledge, dedicated support, and guidance to clients to navigate financial decisions effectively. Aviala holds a California Insurance License, which supports her work in the financial services industry.

Shawn Sharafkah is a financial advisor at Thrivent Investment Management with five years of industry experience. He holds Series 63 and Series 66 credentials. His prior work includes roles at Allstate Insurance Co, Transamerica Financial Advisors, Prize Insurance Solutions, and several other financial and insurance firms. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of Financial Advisors. The firm offers holistic, goal-based analyses covering a wide range of planning topics and allows clients to combine planning with managed-account programs under a consolidated billing option called WealthPlan.

Luann Lauesen is a financial advisor with Edward Jones in Watsonville, CA, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience, all with her current firm since 2003. Outside of her advisory role, she is a partner in Heights Market Partnership, which manages a property related to a former grocery store owned by the partnership. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, with approximately $1.01 trillion in assets under management. The firm offers a broad range of investment strategies and affiliated services through a large national network of advisors and branch offices.

Jacqueline Carrillo is a financial advisor with LPL Financial, holding a Series 66 designation and 12 years of industry experience. Her work history includes roles at Bay Federal Credit Union, Edward Jones, RBC Capital Markets, Merrill, B|O|S, and National Planning Corporation. She currently provides investment services in connection with Bay Federal Credit Union as part of her practice at LPL Financial. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment solutions, including model portfolios, third-party asset management, and institutional platforms, supported by advanced advisor tools and oversight of substantial discretionary assets.

Karen Hagman is a CFP® and holds a Series 66 license, with nine years of industry experience. She has been with Edward Jones since 2016 and previously worked with the Hartnell College Foundation from 2013 to 2016. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including high-net-worth households, pension plans, corporate clients, and charitable organizations. The firm offers a range of advisory services supported by a large network of financial advisors and branch offices, managing approximately $1.01 trillion in assets.

Alfredo Jose Moran is a financial advisor at Fidelity with Series 63 and Series 66 credentials and two years of industry experience. Prior to joining Fidelity Brokerage Services LLC, he worked at J.P. Morgan Securities LLC and JPMorgan Chase Bank, N.A. He has also been involved in a small business venture, Cafe Moran LLC. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors. The firm employs a combination of fundamental research and quantitative analysis to construct model portfolios, with a focus on systematic methodologies and long-term asset allocation.

Bruce Kajiwara is a CFP® and PFS™ credentialed financial advisor with 40 years of industry experience. He is currently with Wells Fargo Advisors, having joined in 2025 after working at Cetera and Cetera Advisor Networks LLC for over a decade. Kajiwara is involved in financial literacy efforts through his participation in organizations such as the California Society of CPA’s and California Jumpstart, where he speaks on financial literacy topics. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad planning menu and integrates advisory services with other financial products and referral channels.

Stephen Galley is Vice President and Branch Leader at Fidelity Investments, a position he has held since 2016. In this role, he leads a team of professionals dedicated to helping individuals and families organize, prioritize, and plan for their overall financial goals. He has been with Fidelity Investments since 1999, serving in various capacities including Vice President, Financial Consultant, and Workplace Financial Consultant. Stephen's experience spans over two decades in financial consulting, focusing on financial planning and client services. He holds a California Insurance License, which supports his work with clients on financial and insurance matters. Outside of his professional career, Stephen enjoys hiking, movies, tennis, and traveling.

Andrew Mac Quarrie is a financial advisor at Morgan Stanley in Salinas, CA, with nine years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley and its Private Bank since 2016, with a brief tenure at Fidelity Brokerage Services. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a wide range of advisory programs, including tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers both direct and corporate financial planning services.

Alfredo Algarate Tamayo is a financial advisor at Merrill with four years of industry experience. He holds a Series 66 designation and has previously worked at JP Morgan Chase Bank and Capitol Buick GMC. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, and charitable organizations.

James Sterbick is a financial advisor with LPL Financial, holding a Series 63 designation and over 32 years in the industry. He has been with LPL Financial for 30 years, since 1996. Outside of his advisory role, he is employed at the Pebble Beach Golf Course in California. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.