Peter Mu

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.

Daniel Mc Court is a financial advisor at Financial Planning Associates with Series 63 and Series 65 credentials and 37 years of industry experience. He has worked at Financial Planning Associates since 1985 and previously operated Surf City Coffee Co., Inc. for 17 years. Mc Court is also a practicing Enrolled Agent, offering tax preparation and advice as part of a separate business. Financial Planning Associates provides financial planning and referral services to individual and small business clients, focusing on developing client Risk Profiles and recommending third-party investment managers rather than managing assets directly.

Jane Kelley is a CFP® professional with 43 years of experience in financial advising. She operates her own firm, Jane C. Kelley, and has held prior roles at Royal Alliance and OSAIC Wealth. Her work includes providing personal financial planning consultations through a sole proprietorship. Jane C. Kelley offers financial planning and consulting services to individuals, small-business owners, and heirs on an hourly, non-discretionary basis. The firm focuses on long-term planning with an emphasis on cash management, tax, retirement, education funding, and estate planning.

Alex Baier is a CFP® with 10 years of industry experience. He is currently with RLS Private Wealth Consulting, Inc. and previously worked at Northwestern Mutual Wealth Management Company and Foresters Financial Services. RLS Private Wealth Consulting provides family office services, wealth concierge, and comprehensive financial planning for families, business owners, and individual clients. The firm focuses on advisory, coordination, and implementation support, using third-party custodians and managers for investment execution, and emphasizes family office operations and education programming without offering discretionary investment management.

Rhonda Staelgraeve Secor is a CFP® with 13 years of industry experience, currently serving as an advisor at RLS Private Wealth Consulting, Inc. since 2016. She previously spent four years as a stay-at-home mom. Rhonda is also an advisory board member of Monterey County Bank. RLS Private Wealth Consulting offers family office services, wealth concierge, and comprehensive financial planning for families, business owners, and individual clients. The firm focuses on advisory, coordination, and implementation support, utilizing third-party custodians and managers for investment execution, and emphasizes family office operations and education programming.

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.