Susan Yedlicka is a financial advisor at Morgan Stanley with 16 years of industry experience. She has worked at Morgan Stanley since 2016 and previously was employed by RBC Capital Markets Corp from 2010 to 2016. She holds the Series 63 and Series 66 licenses. Morgan Stanley Wealth Management serves 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 utilizes structured discovery processes and firm-approved planning tools in its approach.

Elizabeth Benjamin is a financial advisor with Morgan Stanley in Monterey, CA, holding Series 63 and Series 66 designations and bringing 37 years of industry experience. She has worked at Morgan Stanley Smith Barney since 2009 and was previously with Merrill from 2004 to 2008. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a broad range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies.

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.

Kari Cardwell is a financial advisor with Morgan Stanley in Salinas, CA, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. She has been with Morgan Stanley since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individuals and institutional clients, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning processes supported by firm-approved tools and modeling techniques.

Anand Bokde is a CFP® and Series 66-licensed financial advisor with 12 years of industry experience. He has been with Edward Jones since 2013. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a broad range of advisory programs and investment strategies supported by a large nationwide network of financial advisors and branch offices.

Matthew Ring is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and 17 years of industry experience. He has worked with PFS Investments Inc. and Primerica Financial Services since 2007. Outside of advising, Ring is involved as a partner in Aura Pros, LLC, an audio video services and integration business, works as a musician for hire, and teaches CPR at the South Bay School of Nursing. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm utilizes model-delivery strategies managed by unaffiliated asset managers and supports accounts with BNY Mellon Advisors and Pershing custody and clearing services.

Angelika Lipow is a financial advisor at Fidelity with 12 years of industry experience. She holds a Series 66 designation and previously worked at Edward Jones from 2014 to 2018. Angelika has been with Fidelity and its affiliated entities since 2018. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its use of systematic methodologies in model portfolios and its advisory role to multiple registered investment companies.

Michael Smith is a financial advisor with Primerica Advisors in Salinas, CA, holding Series 63 and Series 65 licenses and 26 years of industry experience. He has been with Primerica Advisors since 2000 and Primerica Financial Services since 1998. In addition to his advisory role, he is involved in sales of non-investment products including home security, automation products, and loan services through affiliated companies. Primerica Advisors serves primarily individual investors and also works with corporate and charitable clients through a wrap-fee asset management program that uses model-delivery strategies overseen by third-party managers. The firm manages approximately $15.5 billion in assets with a network of nearly 3,700 advisors and focuses on delivering advisory services via client information gathering and model recommendations.

Matthew Salyer is a financial advisor at Ameriprise with three years of industry experience. He holds a Series 66 designation and has worked at Ameriprise since 2022. Prior to that, he had roles at Image Masters and Nina P Murch Attorney at Law. Outside of his advisory work, he serves as treasurer on the board of the National Association of Mental Illness Monterey County and is involved with the Salinas Valley Chamber of Commerce as a Government Relations Committee member and Chamber Ambassador. Ameriprise provides retirement-income planning services targeting individuals approaching or in retirement, generally with at least $1 million in investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Mark Sears is a financial advisor with Morgan Stanley in Monterey, CA, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. His prior experience includes 11 years at UBS Financial Services Inc. Aside from his advisory role, he is a sole proprietor of a rental property business in Salinas, California. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and uses a structured planning process supported by proprietary tools and investment modeling techniques.