Alfredo Algarate Tamayo is a financial advisor with Merrill, holding a Series 66 designation and four years of industry experience. His prior work includes roles at JP Morgan Chase Bank and Capitol Buick GMC. 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 investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

James Sterbick is a financial advisor with LPL Financial, holding a Series 63 designation and 32 years of industry experience. He has been with LPL Financial since 1996. Outside of his advisory work, he is employed at the Pebble Beach Golf Course. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm offers a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management alongside model portfolios and third-party research.

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.

Richard Soares is a CFP® with 43 years of industry experience. He has been associated with Merrill Lynch, Pierce, Fenner and Smith, Inc. since 2008 and Bank of America since 2009. He is based in Monterey, CA. 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 a range of clients, including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

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.

Agustin Ramirez is a financial advisor at Primerica Advisors with 20 years of industry experience. He holds Series 63 and Series 65 designations and has worked with San Andreas Regional Center, PFS Investments Inc., and Primerica Financial Services. Outside of advisory work, he is involved in the sale of loan products and home-related services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and separately managed accounts primarily to individual and high-net-worth clients. The firm utilizes third-party asset managers and a tiered wrap-fee structure for its services.

Thomas Santos is a financial advisor with J.P. Morgan Securities holding a Series 66 designation and one year of industry experience. His prior roles include positions at Bank of America and Merrill. Outside of finance, he has been involved with organizations such as AAA Tree Care and has experience with youth golf programs. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework to inform its recommendations.

Ronald Horta is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has worked at Cetera since 2013 and also serves as an enrolled agent for Intuit Inc, where he assists clients with tax questions. In addition, he operates a tax services sole proprietorship and is involved in fixed insurance sales as a registered representative. Cetera Investment Advisers LLC is an SEC-registered adviser that supports a large nationwide network of independent advisors serving individual clients, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options, including model portfolios, third-party managers, and bespoke strategies, managing over $256 billion in assets.

Robert Farrens is a financial advisor with Merrill based in Monterey, CA. He holds a Series 66 designation and has been in the industry since 2024. His prior work experience includes roles at Bank of America, Safeway, and Markstein Sales Co. Outside of his advisory role, he is the owner of a small business unrelated to investments. 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 investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Gabriel Faunce is a financial advisor at J.P. Morgan Securities with nine years of industry experience. He holds Series 63 and Series 66 designations and has worked at various J.P. Morgan entities since 2017. Prior to joining J.P. Morgan, he was employed at Spring Mobile and GameStop Inc. from 2015 to 2017. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework in its recommendations.

Christopher George is a financial advisor with Primerica Advisors in Watsonville, CA, holding Series 63 and Series 65 credentials and 25 years of industry experience. He has been with Primerica Advisors since 2000 and Primerica Financial Services since 1999. Outside of his advisory role, George serves on the leadership team providing pastoral support at Corralito's Community Church in Watsonville. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, which includes model-delivery strategies and a limited number of separately managed account options for individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap-fee structure, delegating trading responsibilities to BNY Mellon Advisors.

Morgane Mcnally is the Resident Director of the Carmel-Monterey, CA office and a Senior Financial Advisor and partner of The McNally Rhoades Bishop Group. She also serves on the Monterey Bay Market Leadership Committee for Bank of America. In her professional role, she focuses on delivering excellent service and helping clients pursue their financial goals through personalized strategies. Morgane was born in France and raised in Brazil. She earned undergraduate and postgraduate degrees in Business, Marketing, International Trade Practices, Business Law, and Foreign Languages from the University of Paris. She holds the Personal Investment Advisor (PIA) designation and is fluent in French, Portuguese, English, and Spanish. Her expertise includes college education planning, family wealth management strategies, retirement income, portfolio management services, socially responsible investing, and other key financial planning areas. Outside of work, Morgane enjoys golfing with her husband, hiking the peninsula with her dog, and wine tasting with friends. She is involved in the community as a Bank of America Community Volunteer Leader and supports organizations such as the Boys and Girls Club of Monterey, Carmel High School, Habitat for Humanity, and the Monterey County Food Bank.

Dennis Kreiner is a CFP®-certified financial advisor with Ameriprise, based in Salinas, CA, and has 46 years of industry experience. He has been with Ameriprise and its predecessor entities since 1979. Kreiner serves on the investment committee of the La Selva Beach United Church of Christ. Ameriprise provides retirement-income planning services primarily for individuals with significant investable assets, combining research-driven modeling and tax-efficient strategies. The firm offers a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Alexis Winder is a CFP® professional with nine years of industry experience, currently serving as a financial advisor at Edward Jones since 2017. Prior to joining Edward Jones, Winder worked at Spectrum Association Management and JoyRide Center, Inc. Edward Jones is a full-service wealth management firm with over 23,700 financial advisors nationwide, serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Henry Franscioni Jr. is a financial advisor with Morgan Stanley in Salinas, CA, holding a Series 63 designation and bringing 41 years of industry experience. He has been with Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, and previously worked with Citigroup Global Markets beginning in 1993. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, delivering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses structured planning processes supported by firm-approved tools.

David Refuerzo is a Senior Financial Advisor with Merrill Lynch Wealth Management, based in Carmel, CA. He joined Merrill Lynch in 2009, bringing with him 15 years of prior experience as a Senior Engineering Manager in the Semiconductor industry. David's client focus areas include college education planning, services for endowments, foundations, and non-profits, personal retirement planning, individual and corporate investment strategy, and retirement income. David holds a Bachelor of Science degree in Chemical Engineering from Stanford University and carries the Professional Investment Advisor (PIA) designation. He emphasizes a collaborative approach to wealth management, working closely with clients and their professional teams—such as tax planners and estate planners—to coordinate financial strategies that address each client's unique goals and circumstances. His services include goals-based wealth management, portfolio management, retirement income and cash flow strategies, and asset and liability analysis. Outside of his professional work, David previously served as a Commissioner on the Carmel by the Sea Forest and Beach Commission. He enjoys cycling and walking with his wife, a yoga instructor, and their dogs along Carmel's white sand beach. David is also involved with the Pebble Beach Concours d'Elegance community event.