John Mera is a financial advisor with LPL Financial in Monterey, CA, holding a Series 66 designation and 23 years of industry experience. He has been with LPL Financial, formerly LINSCO/PRIVATE LEDGER CORP., since 2006. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a wide range of clients, including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers various advisory programs and financial planning services, utilizing model portfolios and research from LPL Research and third-party subadvisors.

Jennifer Metcalf serves as Vice President, Financial Consultant at Fidelity Investments, a role she has held since 2021. She collaborates with clients to develop efficient financial plans aimed at providing peace of mind, placing clients at the center of the relationship. Jennifer holds the CERTIFIED FINANCIAL PLANNER™ certification and a Bachelor's degree in Finance, cum laude. Her career spans over two decades in the financial industry, including positions as a Financial Advisor at RBC Wealth Management, Merrill Lynch, John Hancock, and MetLife Financial Services, as well as a Compliance Manager at John Hancock. She is licensed with the California Insurance License. Outside of her professional work, Jennifer engages in personal interests such as camping, football, hiking, photography, and singing.

Frank Koucky III is a financial advisor at LPL Financial with 40 years of industry experience. He holds Series 63 and Series 65 credentials and has been with LPL Financial since 2009. He also operates a separate business under the name Blair Financial Group, LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management with support from proprietary and third-party research.

George Rimmele is a financial advisor at Charles Schwab with 14 years of industry experience. He holds Series 63 and Series 66 designations and has been with Charles Schwab since 2011, including his current role at Charles Schwab Bank, SSB since 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 provides a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by multi-asset model portfolios and research from the Schwab Center for Financial Research.

Vlada Trostyanskaya is a financial advisor at Raymond James Financial with two years of industry experience. She holds the Series 66 designation and has worked with Capital Waypoint LLC in a non-investment-related advisory capacity. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual and institutional clients. The firm uses a combination of risk profiling and analytical tools to deliver tailored, non-discretionary investment consulting aligned with client goals.

Michael Wallensack is a financial advisor at Wells Fargo Clearing with 53 years of industry experience. He holds the Series 63 and Series 65 designations and has been with Wells Fargo Clearing and its predecessor firms since 2009. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions. The firm’s advisory process is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

William Yakobovich is a financial advisor with Osaic Wealth Inc. holding Series 63 and Series 66 credentials and 54 years of industry experience. His prior affiliations include Independent Financial Group, LLC and NPB Financial Group, LLC. Outside of advising, he owns Unique Luxury Travel LLC, which sells cruise and vacation travel services. OSAIC Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of advisers and multiple advisory platforms. The firm provides integrated brokerage and advisory services and employs asset-allocation tools and risk assessments to manage portfolios across a broad range of investment types.

Steven Keller is a Senior Financial Advisor at Merrill Lynch Wealth Management. In this role, he provides investment and financial planning services to clients, leveraging his expertise to support their financial goals. Steven holds the professional designation of Personal Investment Advisor (PIA), reflecting his qualifications in the field. He earned a Bachelor's Degree from Eastern Nazarene College.

Candice Sagehorn is a financial advisor with Charles Schwab, holding Series 63 and Series 66 designations and bringing 33 years of industry experience. She has been with Charles Schwab since 2011, including a role at Charles Schwab Bank, SSB from 2020 to 2021. Charles Schwab & Co., Inc. serves a large client base, 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 both non-discretionary guidance and access to discretionary separately managed accounts, combining integrated custody and brokerage services.

Christopher Laver is a financial advisor at UBS Financial Services with 44 years of industry experience. He holds Series 63 and Series 65 licenses and has been with UBS since 2015. Outside of his advisory work, he serves as the executor of the Katie Clancy estate. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory services, including portfolio management and financial planning. The firm integrates institutional trading capabilities with wealth management, offering proprietary research and a broad range of capital markets services.

Catherine Horan Walker is a financial advisor with Wells Fargo Clearing in Monterey, CA, holding a Series 66 designation and 27 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Outside of her advisory role, she co-owns a rental property in Los Angeles with her spouse. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with options for both discretionary and non-discretionary plan management, including a notable inclusion of insurance-related vehicles and bank deposit sweep options.

Dorothy Belville is a CFP® with 45 years of industry experience, currently serving as a financial advisor at Cetera. She has been associated with Cetera Advisors LLC since 2013 and has operated her own firm, Belville Financial Advisors, since 1985. Outside of her advisory work, she is the executive director of Sauver Ranch, a sanctuary for abused animals. Cetera Investment Advisers LLC is an SEC-registered firm that supports a nationwide network of independent advisors serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through multi-manager platforms and various program structures.

Craig Brinton is a Wealth Management Advisor with Merrill Lynch Wealth Management. He works closely with clients to address a broad range of financial goals, including college education planning, retirement income, legacy planning, and family wealth management strategies. Craig collaborates with business owners, agricultural executives, physicians, and attorneys, guiding them through personalized investment strategies, retirement planning, and fiduciary responsibilities related to company retirement plans. He holds multiple professional designations, including CERTIFIED FINANCIAL PLANNER™ (CFP®), Certified Plan Fiduciary Advisor (CPFA™), Certified 401(k) Professional (C(k)P®), Retirement Benefits Consultant (RBC), and Personal Investment Advisor (PIA). Craig earned his Bachelor's Degree from the University of the Pacific and works alongside the SBR Team to provide comprehensive wealth planning services, including trust or individual portfolios, 529 college plans, charitable gifting, insurance, and debt planning. Outside of his professional work, Craig supports various local nonprofit organizations and is involved with community groups such as The Salvation Army, Rotary, and the Boys and Girls Club. His personal interests include biking, fishing, and golfing.

David Rutberg is a financial advisor at UBS Financial Services with 37 years of industry experience. He has been with UBS and its predecessor Painewebber since 1998 and began his career at Security Pacific Investment Division in 1988. Rutberg holds Series 63 and Series 65 designations. Outside of his advisory work, he serves as a successor trustee for the R. L. A. Trust in Carmel, California. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, including fee-based financial planning and discretionary portfolio management. The firm integrates proprietary research and model-based asset allocations to tailor strategies aligned with clients’ goals and risk tolerances.

Thomas Gaspich is a financial advisor at UBS Financial Services with 50 years of industry experience. He holds Series 63 and Series 65 designations and has been with UBS since 2001. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory services, including financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client strategies.

Caroline Duddy is a Senior Financial Advisor at Merrill Lynch Wealth Management. She began her financial services career in 2017 and currently assists clients in building wealth management strategies tailored to their individual needs. Caroline approaches wealth management with a comprehensive perspective, emphasizing informed decision-making and attentive listening. Her expertise spans wealth management and transfer, retirement planning, and asset preservation, supported by over 50 combined years of investment experience within her team. Caroline holds the Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from Loyola Marymount University. Caroline is involved in community organizations including Delta Delta Delta and The Stanford Fund.

Yvonne San Nicolas Barcinas is a financial advisor at Merrill with 22 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Merrill since 2015, following prior experience at Bank of America. Merrill, along 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 and profit-sharing plans, corporations, and charitable organizations.

Denise Ganji is a financial advisor with Merrill in Monterey, California, holding a Series 66 designation and 27 years of industry experience. She has worked with Merrill since 1999 and has been associated with Bank of America, N.A. since 2011. Outside of her advisory role, she serves as an advisory board member for Shoreline Community Church, a charitable organization in Monterey. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and various institutional investors.

Timothy Cass is a Private Wealth Advisor with Merrill Private Wealth Management. He specializes in providing ESOP and ESPP services, along with personal assistance to CEOs and CFOs, primarily within the healthcare industry. With 36 years of experience in the financial services sector, Timothy began his career at Morgan Stanley Dean Witter, where he worked for 20 years before joining Merrill in 2006. His expertise includes managing personal investments for corporate executives and assisting with filing and stock clearance needs. He holds a Series 7 and 66 FINRA registration and is designated as a Personal Investment Advisor (PIA). Timothy earned his High School Diploma/GED from Irvine University. Outside of his professional role, Timothy enjoys biking, golfing, running, and spending time with his family.

Benjamin Bishop is a Wealth Management Advisor at Merrill Lynch Wealth Management, a role he has held since March 2017. He collaborates with his team to integrate all aspects of his clients' financial lives, helping them prioritize and pursue their most important goals. Ben focuses on assisting clients in articulating both short-term and long-term objectives and developing financial strategies to achieve them. Ben holds a Bachelor's degree in Psychology with a Minor in Biology, as well as a Master's degree in Psychology with an emphasis on Biological Psychology, both from Humboldt State University. He is a Certified Financial Planner (CFP) and holds the Personal Investment Advisor (PIA) designation. Originally from Monterey, California, Ben and his wife Kellie returned to Monterey County to be closer to family, where they now live with their three-year-old daughter. Outside of his professional work, Ben enjoys biking, golfing, rock climbing, spending time with his family, and watching movies.