BEGIN:VCARD
VERSION:3.0
REV:2026-04-09T13:43:53Z
N;CHARSET=utf-8:Lloyd;Spencer;;;
FN;CHARSET=utf-8:Spencer Lloyd
TEL;WORK:(831) 372-3426
ADR;WORK;POSTAL;CHARSET=utf-8:;;2340 Garden Rd;Monterey;CA;93940;US
URL:https://www.montereyprivatewealth.com/
END:VCARD