Michael Garber is the principal of Michael Garber Financial Planning in Gilroy, CA, holding the CFP® designation and Series 65 license with nine years of industry experience. He has worked at Keysight Technologies, Inc. and its predecessor companies since 1984 in various roles, currently serving as an internal organizational consultant for sales skills development. Michael Garber Financial Planning provides independent, fee-only financial planning and investment consulting services to individuals and families, emphasizing long-term, cost-minimizing strategies that primarily utilize passive investment vehicles. The firm operates under a retainer- and project-based fee model without discretionary trading authority or custody of client assets.

Alex Baier is a CFP® with 11 years of experience in financial advising, currently with RLS Private Wealth Consulting, Inc. Prior to joining RLS Private Wealth, he worked at Northwestern Mutual Wealth Management Company and Foresters Financial Services. RLS Private Wealth Consulting serves high-net-worth individuals and businesses by providing family office executive and comprehensive wealth-planning services. The firm offers non-discretionary investment consulting, estate-planning coordination, and specialized family office operations, focusing on administrative oversight and project-based billing rather than traditional asset-based fees.

Rhonda Staelgraeve Secor is a CFP® with 14 years of industry experience, currently serving as an advisor at RLS Private Wealth Consulting, Inc. She previously worked at Wells Fargo Investments, LLC and Wells Fargo Clearing. She is also an advisory board member at Monterey County Bank. RLS Private Wealth Consulting provides wealth-planning and family office executive services to high-net-worth individuals and businesses. The firm offers non-discretionary investment consulting, comprehensive financial planning, and administrative support, including estate-planning coordination and client onboarding to a digital family office platform.

Kelly Monroe is a financial advisor at Keystone Advisory Group with 19 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Keystone since 2013. In addition to her advisory role, Monroe teaches federal employee benefits through the FERS Blueprint training program. Keystone Advisory Group serves individual and high-net-worth clients, as well as trusts, estates, and charitable organizations. The firm offers discretionary portfolio management within a wrap fee program, combining fundamental, technical, and cyclical analysis with a long-term investment approach.

Cody Beaumont is a CFP® professional at HFG Advisors, Inc. with four years of industry experience. He previously worked at Rosewood Family Advisors LLP and Moss Adams LLP. Beaumont is also employed as a financial planner at HFG Trust LLC, a trust company affiliated with his firm. HFG Advisors, Inc. provides fee-based investment management and financial planning to individual and high-net-worth clients, charitable organizations, and retirement plans. The firm emphasizes asset allocation based on Modern Portfolio Theory, primarily using low-cost ETFs and institutional mutual funds, with tailored client-directed customizations and a notable affiliation with HFG Trust, LLC.

Michael Parkin II is a Series 65-licensed advisor at Secure Investment Management, LLC with one year of industry experience. Prior to joining Secure Investment Management in 2025, he was self-employed for one year and held roles at Hesai, Inc. and Veoldyne Lidar, Inc. He also works as an insurance agent selling fixed insurance products. Secure Investment Management serves individuals, business entities, trusts, and estates with financial planning, discretionary portfolio management, and separately managed account solutions. The firm employs a quantitative, factor-based investment approach grounded in Modern Portfolio Theory, using a mix of low-cost mutual funds, ETFs, third-party managers, and direct indexing tailored to client objectives.

Cole Silva is a financial advisor at Creative Financial Designs, Inc. with three years of industry experience. He holds a Series 66 designation and has prior work experience with firms including Cotari and cfd Investments. Outside of finance, Silva serves as a substitute job coach for Hope Services, a nonprofit social services organization. Creative Financial Designs serves individual, corporate, and institutional clients across various wealth levels, providing investment management and financial planning using asset-class model allocations aligned with five risk objectives. The firm offers both discretionary and non-discretionary management, including Biblically Responsible Investing strategies, supported by an Executive Investment Committee and a range of client-focused operational features.

Kristina Sabbatini is a financial advisor at Legacy Wealth Management, LLC with 9 years of industry experience. She holds a Series 66 designation and previously worked at Lion Street Advisors, Ameritas Investment Corp, and Ronald G. Pray Company. Outside of advising, she is active in insurance sales, providing life and disability insurance to clients. Legacy Wealth Management serves individual clients across wealth levels, charitable organizations, and business entities by offering portfolio management, financial planning, and consulting services. The firm employs a combination of in-house model allocations and third-party managers, including alternative and illiquid investments, to tailor strategies based on client objectives and risk tolerance.

Thomas Montoya is a financial advisor at Hornor, Townsend & Kent, LLC with a Series 66 designation and one year of industry experience. Prior to joining HTK, he held roles at California Baptist University and Integrated Financial Benefits, among other positions. Outside of financial services, he has experience in the food service industry, including work at Chaam Eatery and Country Waffles. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans through advisory programs, financial planning, and retirement plan consulting. The firm offers a combination of advisory and broker-dealer services, working with third-party asset managers and providing both discretionary and non-discretionary account options.

Jeffrey Orth is a financial advisor at Hornor, Townsend & Kent, LLC with 27 years of industry experience. He holds the ChFC® designation and the Series 63 license. Orth has been affiliated with Penn Mutual Life Insurance Company and Hornor, Townsend & Kent since 1998. Outside of his advisory role, he is the proprietor of an insurance brokerage specializing in multi-line insurance products and serves as a board member of Gavilan College and a director of the Gilroy Downtown Business Association. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans, offering advisory programs, financial planning, and retirement plan consulting. The firm operates both advisory and broker-dealer services, managing approximately $8.37 billion in discretionary assets under management through third-party asset manager relationships.

Marcus Guerra is a financial advisor with Edward Jones in Hollister, CA, holding a Series 66 designation. He has one year of industry experience, including prior roles at WestPac Wealth Partners and various positions outside the financial sector. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a wide range of advisory programs and discretionary strategies. The firm manages over $1 trillion in assets and operates a large nationwide network of advisors and branch offices.

Gregory De Castro is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. He holds the Series 63 and Series 66 designations and has worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2016. 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 searches, and customized performance reporting. Their advisory process is supported by a centralized due diligence team that combines quantitative screens and qualitative research, incorporating an ESG eligibility framework in their recommendations.

Joseph Roberto is a financial advisor with Fidelity in Gilroy, CA, holding Series 63 and Series 66 licenses and bringing nine years of industry experience. His career includes positions at Fidelity Investments, Charles Schwab, Wells Fargo, Edward Jones, and JPMorgan Chase. He is affiliated with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients, including registered investment companies. The firm employs a systematic investment approach combining proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction, with distinctive roles in advisory services and model portfolio delivery.

Maylin Lema is a Benefits & Planning Consultant specializing in Executive Services at Fidelity Investments. In this role, she collaborates with clients and their families to integrate benefits into their overall financial plans through personalized education on benefits and equity compensation, as well as wealth planning and guidance. She emphasizes forming strong relationships with clients to maintain trust, reliability, and competency. Her professional experience includes various positions at Fidelity Investments since 2021, progressing from Investment Solutions Representative I to her current role. Prior to Fidelity, Maylin held roles such as Investment Advisor Representative at Creative Financial Designs and Registered Representative at Avantax Investment Services, Inc. She also has experience as a Financial Manager at Discovery Counseling Center, and as a Master Tax Advisor and Enrolled Agent at H&R Block. Maylin holds insurance licenses in Arkansas and California.

Jared Zhu is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. His prior work includes roles at Bank of America, Panda Express, and UCSC Athletics and Recreation. 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 strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Niko Gutierrez is a financial advisor at Equitable Advisors with two years of industry experience and holds a Series 66 designation. Prior to joining Equitable Advisors in 2024, he has worked in real estate as an agent with Christie's International Real Estate - Sereno since 2023. Outside of advising, he serves as Secretary for The Mitch Group, Inc., a real estate services company. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients. The firm delivers advice through a network of Investment Adviser Representatives and utilizes a range of firm-offered and third-party asset management programs.

Elizabeth Murillo is a Series 66-licensed financial advisor at Edward Jones with five years of industry experience. She worked for Wells Fargo Bank, N.A. for 21 years before joining Edward Jones in 2023. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and proprietary mutual funds.

Kristi Ellington is a financial advisor with LPL Financial in Gilroy, CA, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. She has been with LPL Financial since 2009, following five years at Cetera Investment Services LLC. 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 advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by technology tools and oversight of extensive discretionary assets.

Stephanie Littleton is a financial advisor with Edward Jones in Hollister, CA. She holds a Series 66 designation and has experience at Edward Jones spanning several periods since 2015, as well as seven years at Monterey Trust Management. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and charitable organizations. The firm offers a range of investment strategies, operates under a fiduciary standard, and manages approximately $1.01 trillion in assets through a nationwide network of financial advisors and branch offices.

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.

Karl James Thoeni is a financial advisor with LPL Financial in Gilroy, California, holding a Series 66 designation and 12 years of industry experience. He has been with LPL Financial since 2012. Outside of his advisory role, he owns a small business focused on sharpening knives and tools. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management solutions, including access to third-party asset managers and institutional platforms.

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.

Ignacio Ceniceros is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. He holds Series 63 and Series 66 licenses and has worked with J.P. Morgan and Bank of America/Merrill Lynch during his career. 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 combines quantitative and qualitative research to develop model asset allocations and incorporates an ESG eligibility framework in its recommendations.

Alexis Winder is a CFP® professional with nine years of industry experience, currently serving clients at Edward Jones since 2017. Based in Hollister, CA, Winder holds the Series 66 designation. Edward Jones is a full-service wealth management firm that serves over four million individual and institutional clients, offering a range of advisory programs and investment solutions. The firm manages approximately $1.01 trillion in assets and operates a nationwide network of financial advisors and branch offices.

Gonzalo Bravo Jr. is a financial advisor with J.P. Morgan Securities in Hollister, CA, holding Series 63 and Series 66 designations and having 12 years of industry experience. He has worked with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2015. 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 within a non-discretionary program. Their advisory process combines quantitative and qualitative research with forward-looking market assumptions to develop model asset allocations, incorporating ESG criteria and utilizing affiliates for implementation and portfolio services.

Christopher Loo is a financial advisor with Ameriprise in Morgan Hill, CA, holding a Series 63 designation and 32 years of industry experience. He has been with Ameriprise and its predecessor firms since 1993. Ameriprise offers a retirement-income planning service tailored for individuals approaching or in retirement who meet certain asset thresholds, providing written Recommendation Reports on income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver non-discretionary recommendations, primarily for clients with assets managed within Ameriprise.