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 24 years of industry experience and holds a Series 66 designation. He has worked at Morgan Stanley and its affiliated entities since 2016, with prior experience at Wells Fargo Investments. Outside of his advisory role, he has sole proprietorship involvement in rental property management. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and strategies. The firm manages approximately $2.74 trillion in client assets and provides planning through dedicated Financial Advisors and specialized groups such as Estate Planning Strategies.

Carlos Fullen is a financial advisor with J.P. Morgan Securities in Salinas, CA, holding Series 63 and Series 66 credentials and 13 years of industry experience. He has been with J.P. Morgan in various capacities 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. The firm’s advisory process integrates quantitative and qualitative research and may incorporate ESG considerations, with implementation support from affiliated investment-management entities.

Kelly Le Ho is a financial advisor with Wells Fargo Clearing, holding Series 66 and Series 63 licenses and seven years of industry experience. She has worked at Wells Fargo Bank NA since 2014 and has held her current role since 2019. Outside of her advisory work, she serves as a notary public in the state of California. Wells Fargo Advisors is a national securities firm offering investment advisory, financial planning, and retirement consulting services to individual, corporate, and institutional clients, with over $671 billion in assets under management and more than 14,000 financial advisors.

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 with Merrill Lynch Wealth Management, holding the position of Senior Vice President. She has been with Merrill Lynch for over 40 years and works closely with clients to help achieve their personal financial goals. Her approach includes wealth management strategies tailored to clients' unique objectives and risk tolerance. Elizabeth holds a Bachelor's Degree from the University of California, Santa Cruz, and is a CERTIFIED FINANCIAL PLANNER® certificant, a designation awarded by the Certified Financial Planner Board of Standards, Inc. She offers personalized strategies in areas such as retirement planning, trust and estate planning, corporate cash management, individual wealth preservation, insurance planning, business strategies and transition planning, business retirement plans, banking, and credit and lending services. In addition to her professional work, Elizabeth pursues personal interests including 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.

Thomas Bair is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and 15 years of industry experience. His work history includes roles at the U.S. Census Bureau, Schneider National, Inc., PFS Investments, Inc., and Primerica Financial Services. In addition to his advisory role, he is involved in the sale of home security and automation products through a Primerica affiliate. Primerica Advisors offers discretionary asset management primarily through its Lifetime Investment Program, which provides model-delivery strategies and limited separately managed account options to individual and high-net-worth clients. The firm curates third-party asset managers and employs a tiered wrap-fee structure for its services.

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 Series 66 licensed financial advisor with Wells Fargo Clearing, where he has worked since 2016. He has 16 years of experience in the industry. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers brokerage and advisory solutions supported by research and analytics from Wells Fargo Investment Institute and other sources.

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 with J.P. Morgan Securities in Pacific Grove, CA, holding Series 63 and Series 66 designations and bringing 14 years of industry experience. He has been with JPMorgan Chase Bank and J.P. Morgan Securities in various roles since 2012. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. Their advisory process incorporates both quantitative and qualitative research, and they offer broader derivatives and commodities capabilities through affiliated entities.

Michael D'allaird serves as a Senior Financial Advisor at Merrill Lynch Wealth Management. He has over 25 years of experience in the financial industry, beginning his career at Morgan Stanley in 1998, moving to Smith Barney, and joining Merrill in 2008. Michael manages personalized and defined investment strategies on a discretionary basis, incorporating individual stocks and bonds, Merrill model portfolios, and third-party investment strategies. Michael's expertise encompasses corporate executive services, legacy planning, managing new wealth, personal retirement planning, portfolio management services, and small business strategies. He works closely with clients and their families to understand multiple perspectives and align financial strategies with their goals and core values. His approach emphasizes education, risk mitigation, and fostering lasting client relationships. He holds a Bachelor of Science degree in Business Administration from the University of Nevada, Las Vegas and the designation of Personal Investment Advisor (PIA). Outside of work, Michael enjoys golfing, tennis, and traveling.

Domenica Ackiss is a financial advisor with Ameriprise Financial Services LLC, holding a Series 66 credential and three years of industry experience. Her career includes multiple terms at Ameriprise and prior work at Cadence International. Ameriprise is a large, diversified advisory firm serving individual and institutional clients, with a specialized Premier Retirement Income service that provides written recommendation reports and ongoing annual planning focused on retirement income sources and tax-aware withdrawal 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 previously worked at Woodbury Financial Services, Questar Asset Management, Questar Capital Corporation, and Equitable Advisors. He is also the owner of CHA Financial, a sole proprietorship engaged in the sales of fixed annuities, life, health, disability, and long-term care insurance. OSAIC serves a diverse client base including individual investors, retirement plans, charities, and corporate clients, offering a range of brokerage and advisory services. The firm’s investment approach centers on model-based asset allocation and portfolio optimization, supported by various tools and strategies that accommodate discretionary and advisor-managed accounts.

Melanie Pitnick is a Wealth Management Advisor at Merrill Lynch Wealth Management, based in Carmel, CA. Since joining Merrill Lynch in 2014, she has been dedicated to providing personalized financial advice and guidance, aiming to help clients prepare for financial transitions throughout their lives. She works as part of a nine-person team in the Carmel branch, combining the resources of a global financial institution with a boutique-like client experience. Over her career, Melanie has developed expertise in designing customized wealth management plans for affluent individuals. Her services include tax minimization strategies, estate planning, retirement income needs analysis, and tailored asset allocation approaches. She holds professional designations including CERTIFIED FINANCIAL PLANNER® (CFP), Certified Plan Fiduciary Advisor® (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Melanie earned her bachelor's degree in Psychology and Neuroscience from the University of Colorado at Boulder and completed an Accredited Certificate Program at the College for Financial Planning. She is active in the Carmel community, serving on the board of the Carmel Community Girls Softball Program and coaching a youth softball team. Outside of work, she enjoys traveling, spending time with her pets, and engaging in outdoor activities.

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.