sathred's Identifications

I'm going to say the hairs on those bracts are "long-spreading" (var. densiflorus), rather than "long-shaggy" (var. microcarpus). The color is certainly more consistent with densiflorus. (Quotes from keys in Matthews/Mitchell).

Chick Lupine (Lupinus microcarpus) Native, annual plant that prefers clay soils and grows along road sides. It's the only CA lupine with predominantly white/cream colored flowers. All plant parts have sparse, appressed to spreading hairs. Upper keel margins are hairy near claw. Peak bloom time: April-May.

Plants of Monterey County: an Illustrated Field Key, 2nd edition, Matthews and Mitchell, 2015, pp. 163-164.

Jepson eFlora Chick Lupine (Lupinus microcarpus)
https://ucjeps.berkeley.edu/eflora/eflora_display.php?tid=32094

Lupine (Lupinus) Key for California https://ucjeps.berkeley.edu/eflora/eflora_keys.php?key=9370

Flora of Fort Ord: Monterey County, California, David Styer, 2019, p. 114

Monterey County Wildflowers: a Field Guide, Yeager and Mitchell, 2016, p. 53.

Monterey County Wildflowers https://montereywildflowers.com/fabaceae-lupine-ann/

Shaggy Haired Chick Lupine (Lupinus microcarpus var. microcarpus)
Jepson eFlora https://ucjeps.berkeley.edu/eflora/eflora_display.php?tid=75776

See also subspecies discussion at this observation: https://www.inaturalist.org/observations/161530980

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Pea Family (Fabaceae). The Pea family has 5-petaled flowers, consisting of a wide upper banner petal, two wing petals, plus two lower petals which are fused to form a boat-shaped keel. Many produce heads or spikes, consisting of multiple individual flowers (examples are lupines and clovers). The seed pod is generally a “legume”; a long, flattish pod, swollen by the seeds, and splitting lengthwise along both the top and bottom.

"Most lupines have distinct clusters of flowers in spikes, sometimes short, sometimes quite tall. Leaves are typically palmately compound, with leaflets ranging from very narrow to broad. It is useful to note whether the flowers are in whorls around the stem. It can also be critical to look at the keel, to see the pattern of hairs. Some are ciliate on both the top and bottom of the keel; some have hairs only near the claw (base), others only near the tip."
https://montereywildflowers.com/fabaceae-lupine-per/

Key to Lupinus: Jepson eFlora https://ucjeps.berkeley.edu/eflora/eflora_keys.php?key=9370

Pictorial Guide to Some Characteristics Needed for Lupine Identification http://tchester.org/plants/analysis/lupinus/identification.html

Chick Lupine (Lupinus microcarpus) Native, annual plant that prefers clay soils and grows along road sides. It's the only CA lupine with predominantly white/cream colored flowers. All plant parts have sparse, appressed to spreading hairs. Upper keel margins are hairy near claw. Peak bloom time: April-May.

Plants of Monterey County: an Illustrated Field Key, 2nd edition, Matthews and Mitchell, 2015, pp. 163-164.

Jepson eFlora Chick Lupine (Lupinus microcarpus)
https://ucjeps.berkeley.edu/eflora/eflora_display.php?tid=32094

Shaggy Haired Chick Lupine (Lupinus microcarpus var. microcarpus)
Jepson eFlora https://ucjeps.berkeley.edu/eflora/eflora_display.php?tid=75776

See also subspecies discussion at this observation: https://www.inaturalist.org/observations/159342841

Lupine (Lupinus) Key for California https://ucjeps.berkeley.edu/eflora/eflora_keys.php?key=9370

Flora of Fort Ord: Monterey County, California, David Styer, 2019, p. 114

Monterey County Wildflowers: a Field Guide, Yeager and Mitchell, 2016, p. 53.

Monterey County Wildflowers https://montereywildflowers.com/fabaceae-lupine-ann/

Calflora https://www.calflora.org/entry/psearch.html?namesoup=Lupinus+microcarpus&countylist=any&plantcomm=any&format=photos&orderby=taxon
(lists several subspecies)

Lupine I.D. Tips and Links by INat yerbasanta :
1) Reveal and photograph the keel petal (hidden within the wings) to document the hairs (if any) on the upper and lower surface along the entire length.
Keel image: https://tchester.org/plants/analysis/lupinus/pix/lupinus_formosus_g4_17_crop_70_label.jpg
2) Guide to documenting lupines in more detail (including calyx, banner spots, etc): https://tchester.org/plants/analysis/lupinus/identification.html#fig_1_caption

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Legume (Fabaceae) A.k.a. Pea family are plants with "5-petaled flowers that consist of a wide upper banner petal, two wing petals, and two lower petals that are fused to form a boat-shaped keel. Many produce heads or spikes, consisting of multiple individual flowers (examples are lupines and clovers). The seed pod is a Legume, which is a flattened pod, swollen by the seeds, that splits lengthwise along both the top and bottom. Most Lupines have grouped clusters of flowers in spikes, sometimes short, sometimes quite tall. Leaves are palmately compound, with leaflets ranging from very narrow to broad. In some species, the flowers are in whorls around the stem. It can also be critical to look at the keel, to see the pattern of hairs. Some are ciliate on both the top and bottom of the keel; some have hairs only near the claw (base), others only near the tip."
https://montereywildflowers.com/fabaceae-lupine-per/

Key to Lupinus: Jepson eFlora https://ucjeps.berkeley.edu/eflora/eflora_keys.php?key=9370

Jepson eFlora Filter Key for Lupinus in CCo (Central Coast of CA--21 species listed) https://keybase.rbg.vic.gov.au/keys/show/3690?filter_id=55b17b2b4727a

Pictorial Guide to Some Characteristics Needed for Lupine Identification http://tchester.org/plants/analysis/lupinus/identification.html

INaturalist Project: Lupines of California https://www.inaturalist.org/projects/lupines-of-california