Carmel York is a financial advisor at Clym LLC with four years of industry experience. She holds the Series 65 designation and has previously worked in mortgage companies and banking. Outside of her advisory role, she serves as Vice President of Sales at OptiFunder LLC, a subscription software company that automates mortgage operations. Clym LLC provides integrated financial planning and discretionary investment management to individuals, trusts, estates, charitable organizations, business entities, and select institutional clients. The firm operates as a fee-only fiduciary and focuses on portfolio management aligned with clients’ goals, utilizing institutional-class mutual funds, ETFs, and private investments, while also offering educational workshops and coordinating with clients’ other professionals.

Billy Potter is the sole advisor at Knight of California LLC, an independent firm based in Carmel, CA. He holds a Series 65 designation and has 19 years of experience with Knight of California LLC and 10 years in the industry overall. Knight of California LLC provides discretionary portfolio management and wealth-management advice primarily to individual and high-net-worth clients. The firm combines fundamental analysis, modern portfolio theory, technical and charting analysis, and both long- and short-term trading, including option-writing and margin strategies, with a focus on risk management.

Thomas Ogden Sr. is a financial advisor with Ogden, Thomas, holding a Series 65 designation and four years of industry experience. He has operated his own law practice since 2007. Ogden’s legal background is a notable aspect of his professional profile. Ogden, Thomas provides investment management and advisory services primarily to institutional clients and plan sponsors, including retirement plans, businesses, trusts, and charitable organizations. The firm offers wealth management, financial planning, and retirement-plan advisory, employing both fundamental and technical analysis with a long-term orientation, and manages potential conflicts arising from its affiliation with the advisor’s legal practice.

Mark Wilson is a financial advisor based in Pebble Beach, CA, with 11 years of industry experience. He holds a Series 65 designation and operates his own firm, Wilson, Mark Henry. In addition to his advisory work, Wilson maintains a full-time CPA accounting practice and is a part-time California real estate broker. He has served on the Monterey Peninsula Airport District since 2022. Wilson, Mark Henry provides comprehensive financial planning and related services to individual clients, including retirement and education planning, tax preparation, and estate-document review. The firm combines financial planning with an active accounting practice and affiliated real estate brokerage, using fundamental analysis for investment advice and billing on an hourly or fixed-fee basis without managing client assets or recommending specific securities.

Jacques Bolivar is a CFP® with 27 years of industry experience, currently serving as the sole advisor at Pharaoh Financial Group, Inc., an independent firm he has led since 2000. He has also worked with LPL Financial since 2009. Bolivar holds Series 63 and 65 licenses and provides financial planning and consulting services primarily on an hourly or flat-fee basis. Pharaoh Financial Group, Inc. offers financial planning and consulting to individuals, families, small business owners, and various institutional clients. The firm emphasizes comprehensive, life-centered planning and client education without managing client assets directly, utilizing an affiliated broker-dealer and insurance brokerage for implementation of recommendations.

Catherine Hawley is a financial advisor at Hawley Personal Finance in Monterey, CA, with 14 years of industry experience. She holds Series 63 and Series 65 designations and has been practicing as a CFP® since 2012. Hawley Personal Finance offers financial planning and investment consultation to individuals, families, and small businesses, focusing on cash flow, retirement, tax strategies, education funding, and estate planning. The firm emphasizes fundamental analysis and asset allocation with long-term, buy-and-hold strategies, providing recommendations without managing or executing trades on client assets.

Robert Bacon is the sole advisor at Bacon & Company, an independent firm based in Carmel, CA. He holds 14 years of industry experience and has been associated with Bacon & Company since 1992. Bacon & Company manages discretionary portfolios for individuals, families, family trusts, and personal retirement plans, focusing on long-term exposure to quality growth equities combined with investment-grade bonds. The firm serves a modest client base with a tailored investment approach that emphasizes low turnover, quantitative security selection, and client-specific risk tolerance alignment.

Bret Elliott is a CFP® with 23 years of experience in financial advising. He has been with Elliott Financial, LLC since 2002 and is the sole advisor at the independent firm. Elliott Financial primarily serves working-class individuals and their families, along with some self-employed clients and a few with significant investable assets. The firm offers fee-only financial planning and investment advisory services, focusing on diversified portfolios that use no-load mutual funds and ETFs, and follows a fundamental, long-term investment approach that rejects market timing and technical analysis.

Jordan Lampos is a financial advisor at Midway Partners Capital Management, LLC with 12 years of industry experience. He previously worked at Duff & Phelps Securities LLC from 2016 to 2021. Lampos holds Series 63 and Series 65 licenses. Midway Partners Capital Management is a single-advisor registered investment adviser that provides discretionary portfolio management to individuals, trusts, estates, corporations, and other entities through separately managed accounts and a private pooled vehicle. The firm employs an intrinsic-value, bottom-up fundamental investment approach focusing on discounted cash-flow analysis and conservative forecasts, managing concentrated, longer-term holdings with routine portfolio reviews.

David Palshaw is a CFP® with 19 years of experience in the financial industry. He has been the principal of Monterey Bay Asset Management LLC since 2006 and previously operated Palshaw Measurement, Inc. from 2006 to 2018. Monterey Bay Asset Management provides portfolio management and investment supervisory services to individuals, trusts, foundations, pension and profit-sharing plans, and select corporate clients. The firm implements a Modern Portfolio Theory-based approach focused on asset allocation and diversified exposure, managing all assets in-house with regular portfolio reviews and rebalancing.

Michael Kirch is a CFA® charterholder and Series 63 licensee based in Monterey, CA, with six years of industry experience. He is the principal advisor at Del Monte Capital, Inc. and also works as a licensed real estate broker representing buyers and sellers of residential and commercial property. Additionally, he has an ownership interest in Cannery Row Brewing Company, a startup brewery and restaurant. Del Monte Capital provides portfolio management services primarily to individuals, corporations, and charities, focusing on tailored investment programs based on Modern Portfolio Theory. The firm manages a small number of predominantly non-discretionary accounts using mutual funds, ETFs, stocks, and bonds, with custody and trade execution through Betterment Securities’ Betterment Institutional platform.

Joseph Sweeney is a financial advisor with Seal Rock Wealth Management, LLC in Monterey, CA. He holds Series 63 and Series 66 licenses and has 23 years of industry experience. He has been with Seal Rock Wealth Management since 2016. Seal Rock Wealth Management provides discretionary and non-discretionary asset management primarily for individuals, high-net-worth clients, and charitable organizations. The firm operates on a fee-only basis, emphasizes fundamental analysis supplemented by technical and cyclical methods, and employs operational safeguards to limit custody exposure.

Roland Zee is a financial advisor at ZRCOR Inc. in Monterey, CA, holding a Series 65 designation with 18 years of industry experience. He has been with ZRCOR since 2008. ZRCOR Inc. provides discretionary investment management to individual and trust clients, employing both fundamental and technical analysis across a variety of strategies including long-term holdings, short-term trading, and short sales. The firm manages approximately $10.6 million in assets for a small client base, offering regular portfolio reviews and project-based portfolio evaluations without maintaining custody of client assets.

Paula De Vos is a CFP® and holds a Series 66 license, with 24 years of experience in the financial advisory industry. She has been the sole advisor at Synergist Wealth Advisors since 2003. Synergist Wealth Advisors serves a selective group of high-net-worth individuals, families, trusts, estates, private foundations, retirement and business entities, and a limited number of pension or profit-sharing plans and institutional clients. The firm offers wealth planning, portfolio management, manager selection and monitoring, and consulting services tailored to complex family and institutional needs, with an investment process centered on customized policy statements and a combination of active, passive, and tax-managed strategies.

Daniel Mcfarlane is the principal of McFarlane Investment Advisory Services Inc. in Monterey, CA, with 44 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at firms including Western International Securities, Inc. and Financial West Group. McFarlane has operated his independent advisory firm since 1995. McFarlane Investment Advisory Services provides portfolio management and financial planning primarily to individuals, including high-net-worth clients, and small entities such as limited liability companies. The firm offers discretionary asset management combined with fundamental, technical, and cyclical analysis, and covers a range of financial planning topics including retirement, estate, tax, and real estate analysis.

Kenneth Cranstone is a CFP®-credentialed financial advisor with nine years of industry experience. He currently leads Three Sheep Wealth Management, LLC in Monterey, CA, having previously worked at Integris Wealth Management, Royal Alliance Associates, and Genovese Burford & Brothers Wealth and Retirement Plan Management. Cranstone serves as an unpaid board member of the California Arts and Sciences Institute and as treasurer for the Carmel Public Library Foundation. Three Sheep Wealth Management provides integrated wealth management services to individual and high-net-worth clients and small businesses. The firm employs a Core + Satellite investment approach that combines passive core holdings with targeted active positions and offers a range of financial planning services, including retirement strategy, tax-aware planning, and estate reviews.

Barry Kilzer is the principal of Kilzer Wealth Management, an independent firm based in Carmel, CA. He has 40 years of experience in wealth management and holds a real estate broker license, through which he engages in loan generation and investing. Kilzer’s firm provides financial planning and wealth management services to individuals, high-net-worth clients, and corporate profit-sharing plans. The firm employs a multi-model investment approach, combining active and passive management tailored to clients’ tax situations and investment constraints, and often implements portfolios via referrals to independent money managers.

Luis Contreras is a financial advisor at Contreras Financial, Inc. with 13 years of industry experience. He previously worked at Bank of America and Merrill Lynch. Contreras is active in his community as a committee member and scholarship chair for the Cannery Row Rotary Club in Monterey, CA. Contreras Financial, Inc. provides discretionary portfolio management and financial planning services to individuals, high-net-worth clients, and business entities. The firm offers a wrap fee program, educational seminars, and pension consulting, employing an investment approach that combines fundamental and quantitative analysis with modern portfolio theory.

Ryan Mende is a financial advisor at Mende Financial Council, Inc. with 10 years of industry experience. He held positions at Charles Schwab for nine years before founding his independent firm in 2025. Mende Financial Council, Inc. is a fee-only registered investment adviser serving individual and high-net-worth clients. The firm offers discretionary portfolio management and personalized financial planning, using asset allocation and modern portfolio theory to guide investments through a combination of passive and active vehicles.

Thomas Rapko is the sole advisor at T.H. Rapko & Company, LLC in Monterey, California, with 16 years of industry experience. He holds the Series 66 designation and has led his independent firm since 2013. T.H. Rapko & Company provides discretionary portfolio management and financial planning primarily for individual and high-net-worth clients, focusing on equities, bonds, and ETFs. The firm employs fundamental analysis with both long- and short-term trading and offers a covered-call/options overlay as part of its portfolio management.