Michael Garber is a CFP® with eight years of industry experience and the principal of Michael Garber Financial Planning, an independent advisory firm. He has worked at Keysight Technologies, Inc. since 2014 in an internal organizational consultant role focused on sales skills development. Michael Garber Financial Planning serves individuals and families through a fee-only, independent model offering comprehensive financial planning, investment consulting, tax preparation, estate-plan review, risk management, and small-business planning. The firm emphasizes a long-term, cost-minimizing investment approach using passive vehicles and operates on a retainer- and project-based fee structure without discretionary trading authority or acceptance of commissions.

Alex Baier is a CFP® with 10 years of experience in financial advising. He has worked at Northwestern Mutual Wealth Management Company and Foresters Financial Services before joining RLS Private Wealth Consulting, Inc. in 2025. Baier holds Series 63 and Series 65 licenses. RLS Private Wealth Consulting provides family office and comprehensive planning services to families, business owners, and high-net-worth clients. The firm offers investment consulting and holistic wealth-planning advice, emphasizing operational and governance functions beyond typical planning services.

Rhonda Staelgraeve Secor is a CFP® with 14 years of industry experience, currently serving at RLS Private Wealth Consulting, Inc. since 2016. She holds Series 63 and Series 65 licenses and is an advisory board member of Monterey County Bank. RLS Private Wealth Consulting provides family office and comprehensive planning services to families, business owners, and high-net-worth clients. The firm offers investment consulting and holistic wealth-planning advice, emphasizing operational and governance functions alongside portfolio analysis and coordination with third-party investment managers.

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 financial advisor at Secure Investment Management, LLC with a Series 65 designation and one year of industry experience. Prior to joining Secure Investment Management, he worked at Hesai, Inc. and Veoldyne Lidar, Inc. He is also an insurance agent involved in 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, utilizing 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 two years of industry experience. He holds a Series 66 designation and has worked at several organizations, including Hope Services, a nonprofit social services provider where he serves as a substitute job coach. Creative Financial Designs serves individual clients, corporate and institutional investors, and employer retirement plans. The firm provides discretionary and non-discretionary investment management, financial planning, and consulting using asset-class model allocations across a range of risk objectives.

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.

Jeffrey Cougoule is a financial advisor at Citizens Securities, Inc. with 22 years of industry experience. He holds the Series 66 designation and has worked at notable firms including JP Morgan Chase Bank and First Republic Investment Management. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and individual retirement plans. The firm offers investment advisory programs alongside brokerage and insurance services, with a focus on ETF-based portfolios through its digital advisory program and a separate Managed Account program.

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.

Maria Lamas is a financial advisor at UBS Financial Services with seven years of industry experience. She holds the Series 66 designation and has worked at UBS since 2018. Prior to her advisory role, she held positions at 24 Hour Fitness, Insight Global, Extended Travel, the University of California Police Department in Berkeley, and UC Berkeley. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including portfolio management and financial planning. The firm combines institutional trading capabilities with wealth management services, leveraging proprietary research and model-based asset allocations to tailor strategies to clients’ goals and risk tolerances.

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 with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 15 years of industry experience. He has worked at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2016. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm’s approach combines quantitative asset-allocation modeling with centralized due diligence, incorporating an ESG eligibility framework in its 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 with Equitable Advisors in Hollister, CA, holding a Series 66 designation and two years of industry experience. He also works as a real estate agent with Christie's International Real Estate - Sereno. Prior to his advisory role, Gutierrez held positions at California State University - Chico, Target Corporation, and San Benito High School. Equitable Advisors serves individual, high-net-worth, retirement plan, corporate, charitable, and institutional clients, offering financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates through a dual-registered model and collaborates extensively with third-party managers and LPL-sponsored programs to provide advisory and brokerage solutions.

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, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. She has been with LPL Financial since 2009. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management along with model portfolios and third-party research.

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, CA, 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 is involved in a small business focused on sharpening knives and tools. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by proprietary and third-party research.

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.

Ignacio Ceniceros is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. He holds Series 63 and Series 66 designations. His prior experience includes roles at Bank of America/Merrill Lynch and JP Morgan Chase Bank. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

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.

Gonzalo Bravo Jr. is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 11 years of industry experience. He has been with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2015. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting. As a subsidiary of J.P. Morgan, the firm combines large institutional advisory operations with brokerage and investment management capabilities.

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.