Peter Mu is a CFP® with 15 years of industry experience, currently serving as the sole advisor at Wealth Cairn, LLC. His prior experience includes roles at Park Avenue Securities and Guardian Life Insurance Company. He is also licensed to sell insurance products as part of his professional activities. Wealth Cairn provides advisory services to institutional and individual clients, specializing in portfolio management, pension consulting, and financial planning. The firm employs a long-term investment approach grounded in modern portfolio theory and often implements strategies through third-party managers with ongoing due diligence.

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.

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.

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.

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.

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.

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.

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.

Rolf Trautsch is a CFP® professional with over 42 years of experience in the financial services industry. He has been with C & T Financial Services Group, Inc. since 2003 and also maintains a longstanding role at OSAIC. Outside of his advisory work, he owns and operates DARO Enterprises, a sole proprietorship focused on property management. C & T Financial Services Group provides financial planning and advisory services to individuals, high-net-worth clients, pension and profit-sharing plans, estates, charities, and business entities. The firm emphasizes written investment policy planning and ongoing financial counseling, employing a long-term, diversified investment approach without discretionary portfolio management.

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.

Lynda Johnson is a CFP® professional with seven years of industry experience, currently serving at Marathon Financial Advisors in Pacific Grove, CA. She works at a firm established in 1983 that operates with a small, two-advisor team. Marathon Financial Advisors provides personalized investment management and financial planning to individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, and small businesses. The firm uses a strategic asset allocation framework with global diversification and primarily implements portfolios with no-load mutual funds and ETFs, managing approximately $69 million mostly on a non-discretionary basis.

Jon Eric Kronvall is a financial advisor at Wealth Innovation with over 23 years of industry experience. He holds a Series 66 designation and has worked at firms including Wells Fargo and OneDigital Investment Advisors. In addition to his advisory role, he owns and consults for Esoteric Advisors, providing expert witness services unrelated to investment management. Wealth Innovation offers investment advisory and portfolio management services primarily to high net-worth individuals. The firm employs a discretionary approach with a mix of fundamental and technical analysis, managing approximately $12.7 million in assets across a small client base.

Tara Trautsch is a CFP® professional with 19 years of experience in financial advisory services. She is the president of C & T Financial Services Group, Inc. and has previously worked with NWF Advisory Services and Whjr Associates. In addition to her advisory role, she serves on the boards of Monterey Credit Union and the Elkhorn Slough Foundation. C & T Financial Services Group offers financial planning and personal advisory services to a range of clients including individuals, high-net-worth clients, pension plans, estates, charities, and business entities. The firm focuses on developing written Investment Policy Statements and recommending long-term, mutual fund-based strategies, while generally avoiding short-term trading and discretionary asset management.