Robert Hillberg is the principal of Hillberg Capital Management, LLC in Turlock, California, and holds the PFS™ designation. He has 21 years of experience in financial advising and has operated his investment advisory firm since 2004. In addition, he has been a partner at Hillberg & Co, CPAs since 1980, providing tax, accounting, and general business services outside of investment advising. Hillberg Capital Management is a fee-only registered investment adviser serving individuals, trusts, retirement plans, and businesses. The firm focuses on strategic asset allocation and diversification, primarily using mutual funds and ETFs, and integrates its investment management with the affiliated CPA practice for coordinated tax and financial planning.

Kevin Berger is the sole advisor at Berger Asset Management, Inc. in Turlock, CA, holding a Series 63 credential with 14 years of industry experience. Prior to founding his firm, he worked at Berger & Company, CPAs for 18 years. Outside of his advisory role, he serves as president and director of several non-investment related companies, including Colonize Media, Inc., a digital media distribution firm, as well as employee benefit administration and consulting companies. Berger Asset Management provides discretionary portfolio management and advisory services to individuals, corporations, pension and profit-sharing plans, and estates and trusts. The firm employs a fundamental, value-oriented investment approach focused on large- and mid-cap securities, tailoring portfolios to client objectives and incorporating various instruments such as equities, debt, mutual funds, ETFs, options, and limited futures.

Matthew Lewis is a financial advisor at TechView Wealth Advisors LLC with 11 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Smith Barney LLC, Morgan Stanley Private Bank, and Enter Capital Group, Inc. He has been with TechView Wealth Advisors since 2017. TechView Wealth Advisors serves technology entrepreneurs, private business owners, and cross-border individuals and families investing in the United States. The firm offers financial planning and portfolio management using a combination of active and passive strategies, focusing on individualized planning and services tailored to international clients.

Rachel Pierini is a financial advisor at Provident Living Financial Services with nine years of industry experience. She holds a Series 65 designation and has been with Provident Living since 2015. Outside of her advisory role, Pierini owns QB Business Solutions, LLC, which provides life and financial advocacy services, notary services, and administrative support. Provident Living Financial Services serves individuals, trusts, estates, nonprofit organizations, and business clients with discretionary portfolio management, financial planning, and group retirement plan investment management. The firm employs a blended advisory and financial wellness model, offering multi-tiered membership plans and concierge services alongside its investment programs.

Glenn Andrade is a financial advisor at AFS Investments with 38 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Mutual Advisors, LLC and Mutual Securities Inc prior to his current role. Outside of advisory work, he is a licensed life insurance agent involved in the sale and servicing of life insurance policies. AFS Investments is a family-owned registered investment adviser serving individuals, trusts, retirement plan sponsors, and business entities. The firm employs both a bottoms-up stock selection process and a top-down asset allocation approach, offering discretionary and non-discretionary portfolio management along with ERISA fiduciary consulting and retirement plan management.

Arthur Askil is a financial advisor at Titan Capital Management with 21 years of industry experience. He holds Series 63 and Series 66 designations and has been with Titan Capital Management since 2005 in its various entities. Titan Capital Management provides discretionary portfolio management and financial planning services to individuals, businesses, pension and profit-sharing plans, and other registered investment advisors. The firm employs a Global Tactical Asset Allocation approach using proprietary quantitative models to adjust asset allocations dynamically across an aggressive-to-conservative risk spectrum.

Michael Abram is a CFA® charterholder and holds a Series 65 license with 10 years of industry experience. He has been with Integral Investment Advisors, Inc. since 2015 and briefly attended California State University, Stanislaus in 2016. Beginning in December 2024, he will serve as the Treasurer for the City of Turlock, managing the city’s fixed income investment portfolio. Integral Wealth Management provides discretionary investment management, financial planning, and retirement plan consulting to individuals, charitable organizations, and employer-sponsored plans. The firm focuses on asset-allocation-based portfolio construction with a total-return orientation and employs a tactical sector tilt, using a variety of instruments including options and digital-asset strategies.

Mallory Sise is a CFP® and holds a Series 65 designation, currently serving at Integral Wealth Management with three years of industry experience. Prior to joining Integral, she worked at Crosspoint Church and held positions at California State University, Stanislaus, and Thomas Downey High School. Integral Wealth Management provides discretionary investment management, financial planning, and retirement plan consulting to individuals, charitable organizations, and employer-sponsored plans. The firm focuses on asset-allocation-based portfolio construction with a top-down, total-return approach and uses a range of investment instruments, including derivatives and digital-asset strategies.

Brooke Gaither is a CFP® and Series 66-licensed financial advisor with nine years of industry experience. She has worked at Charles Schwab and Charles Schwab Bank SSb before joining LPL Financial and subsequently Integral Wealth Management, where she is currently part of a five-advisor team. Integral Wealth Management provides discretionary investment management, standalone financial planning, and retirement plan consulting to individuals, charitable organizations, and employer-sponsored plans. The firm employs an asset-allocation-based approach with a total-return orientation and tactical sector tilts, utilizing a range of instruments including options and digital-asset strategies, and conducts regular account reviews and client meetings.

Jodi Karambela is a CFP® professional with 23 years of industry experience, currently serving at Integral Wealth Management since 2008. She holds Series 63 and Series 66 licenses and is based in Turlock, CA. Integral Wealth Management provides discretionary investment management, financial planning, and retirement plan consulting to individuals, charitable organizations, and employer-sponsored plans. The firm emphasizes asset-allocation-based portfolio construction with tactical sector tilts and employs a range of instruments including options and digital-asset strategies.

David Epps is a CFP® with 28 years of industry experience. He currently works at Integral Wealth Management and previously spent over two decades at Charles Schwab and Charles Schwab Bank. Integral Wealth Management offers discretionary investment management, financial planning, and retirement plan consulting to individuals, charitable organizations, and employer-sponsored plans. The firm employs an asset-allocation-based approach with a tactical sector tilt and utilizes a variety of investment instruments, including options and digital-asset strategies, while providing regular account reviews and client meetings.

Dustin Roberts is a financial advisor at Savvy with 13 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at U.S. Bancorp Investments, U.S. Bank, and BBVA-affiliated firms. He serves as a board member of ACT Advancing Children of Turlock, a nonprofit organization. Savvy provides customized discretionary and non-discretionary investment and wealth management services to individuals, trusts, estates, retirement plans, charitable organizations, and corporations. The firm combines an index-based core with tailored strategies such as direct indexing with tax-loss harvesting, active and passive stock portfolios, and ESG-focused models, supported by a parent technology platform and third-party tools.

David Hubble is a financial advisor with Compound Planning, Inc. He holds Series 63 and Series 65 licenses and has 42 years of industry experience. Since 2016, he has been associated with Claraphi Advisory Network, LLC. Compound Planning, Inc. serves individuals, financial intermediaries, and institutional clients through portfolio management, turnkey asset management services, separately managed account direct-index solutions, financial planning, and sub-advisory arrangements. The firm manages approximately $4.3 billion in assets and operates a multi-advisor platform offering both discretionary and non-discretionary portfolio management with customizable solutions.

Rodney Smith is a financial advisor with NWF Advisory Services Inc in Turlock, CA, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. His prior roles include positions at The Ameriflex Group, Osaic, Independent Financial Group, LPL Financial, and National Planning Corporation. Outside of his advisory work, he serves as an elder and board member at Calvary Chapel Turlock. NWF Advisory Services, Inc. provides portfolio management and financial planning primarily to individual and high-net-worth clients, along with retirement plan consulting and trust and estate services. The firm manages approximately $3.82 billion in assets and offers a range of investment programs through an open-architecture wealth management platform combining advisor-managed portfolios, third-party model portfolios, and SMA/UMA solutions.

Elias Reyna is a financial advisor at Centaurus Financial, Inc. with 26 years of industry experience. He holds Series 63 and Series 65 licenses. Prior to joining Centaurus Financial in 2017, he worked at Securities America Advisors and Securities America, Inc. from 2012 to 2017. Outside of his advisory role, he is involved in selling health insurance with Anthem Blue Cross on a part-time basis. Centaurus Financial, Inc. provides advisory services through a network of independent representatives to individuals, families, businesses, and institutions. The firm offers a range of services including financial planning, asset management, third-party money manager access, and retirement-plan advisory, employing both fundamental and technical analysis in its investment approach.

Brandon Halliday is a financial advisor at PNC Wealth Management with 10 years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at Hickingbottom Financial Services, Raymond James Financial Services Advisors, and BBVA Securities. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an online discretionary model account available as an invitation-only pilot for employees. The firm uses algorithmic questionnaires to guide investment risk bands and implements portfolios via approved strategies with mutual funds and ETFs.

Adam Bain is a financial advisor at Citigroup Global Markets with 23 years of industry experience. He holds the Series 66 designation and has been with Citigroup Global Markets since 2007. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs, execution, and custody services. The firm employs multi-asset, multi-manager strategies and combines large institutional scale with specialized market roles and arrangements.

Adrienne Guerra is a financial advisor with Ameriprise in Atwater, CA, holding a Series 66 designation and 20 years of industry experience. She has been with Ameriprise since 2015. Outside of her advisory role, she serves on the board of the Peggy Heller Parent Club as Treasurer, acts as Secretary for the Atwater High School Quarterback Club, and teaches catechism to 2nd through 4th graders at St. Anthony's Church. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations. The firm also offers a broad array of advisory, brokerage, and insurance solutions through its affiliated entities.

Dora Steeley is a financial advisor with Ameriprise in Denair, California, holding a Series 66 designation and 22 years of industry experience. She has been with Ameriprise and its affiliate since 1999. Outside of her advisory role, she owns a local coffee shop called The Coffee House. Ameriprise serves individuals approaching or in retirement, typically with significant investable assets, offering a retirement-income planning service that combines research, modeling, and tax-efficient strategies to provide written recommendations. The firm also offers a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Richard Moen is a financial advisor with LPL Financial in Turlock, CA, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. His prior work includes long tenures at Securities America, Inc. and Winton-Ireland, Strom and Green. Moen is also involved with NVI, a non-variable insurance business based in Modesto, CA. LPL Financial provides advisory and brokerage services to a diverse range of clients, including individual investors, retirement plan sponsors, institutions, charities, and high-net-worth households. The firm offers multiple delivery options such as financial planning, model-portfolio advisory programs, and third-party asset management, supported by an in-house research team that develops diversified and alternative investment strategies.

Mark Vega Felix is a financial advisor at Edward Jones with seven years of industry experience. He holds Series 63 and Series 66 credentials. Prior to joining Edward Jones in 2022, he worked at Wells Fargo Bank NA for seven years. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households, pension plans, corporate clients, and charitable organizations. The firm offers a range of advisory programs, discretionary and non-discretionary investment strategies, and affiliated mutual funds, operating under a fiduciary standard.

Alberto Escobedo is a financial advisor at Merrill with one year of industry experience. He holds a Series 66 designation and has worked at firms including Bank of America, Wells Fargo, Citi Bank, Morgan Stanley, and JP Morgan Chase. Outside of his advisory role, he serves as a board member of the City of Merced Building and Housing Board of Appeals. Merrill serves a wide range of clients, including individuals, retirement plans, corporations, and institutional clients, by providing managed account programs, third-party manager selection, discretionary portfolio management, and brokerage execution and custody services. The firm emphasizes manager selection and tax-efficient strategies and leverages its affiliation with Bank of America for integrated banking and capital markets support.

Steve Teranishi is a financial advisor with Ameriprise in Merced, CA, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of advising, he serves on the Board of Directors for the Merced County 4-H Sponsoring Committee and has held leadership roles with the Japanese American Citizens League, Livingston-Merced Chapter. Ameriprise offers retirement-income planning services primarily for clients with substantial investable assets, combining research, modeling, and tax-efficiency strategies to provide tailored recommendation reports. The firm operates as a large institutional provider, delivering a broad range of advisory, brokerage, and insurance solutions.

Ted Dietz is a CFP® professional with 25 years of industry experience, currently affiliated with LPL Financial. He has worked at LPL Financial since 2004 and previously spent six years at Noble Credit Union (formerly Fresno County Credit Union). LPL Financial serves a diverse client base including individual investors, retirement plan sponsors, institutions, charities, and high-net-worth households. The firm offers a wide range of advisory and brokerage services supported by an in-house research team that provides model portfolios and various investment strategies tailored to client needs.

Brian Gudgel is a financial advisor at LPL Financial with 18 years of industry experience. He holds the Series 66 designation and previously worked at UBS Financial Services for 18 years before joining LPL Financial. LPL Financial provides advisory and brokerage services to a diverse client base, including individual investors, retirement plan sponsors, institutions, and high-net-worth households. The firm offers a variety of investment solutions supported by an in-house research team and combines large-scale advisory operations with non-advisory product offerings.

Edgar De La Cruz is a financial advisor at Ameriprise with a Series 66 designation and three years of industry experience. Prior to joining Ameriprise in 2021, he held various roles including positions in grocery delivery and food service. He serves as an advisor for the Merced High School LEO's Club, where he facilitates meetings and supports student service projects. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Martin Youmaran is a financial advisor with J.P. Morgan Securities who holds Series 63 and Series 66 licenses and has 23 years of industry experience. His work history includes roles at J.P. Morgan Securities, JPMorgan Chase Bank, N.A., Bankers Life Securities, Inc., Ninvest LLC, Trellis Advisors-Lotus Domaine, Hometown Realty, and Sf Investments, Inc. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice and customized reporting. The firm combines large institutional advisory operations with additional brokerage and investment management capabilities.

Eric Gieling is a financial advisor with Ameriprise, holding a Series 66 designation and 10 years of industry experience. He has been with Ameriprise and its affiliated entities since 2004. Outside of his advisory role, he serves on the Board of Directors for YoungLife and is vice-chair of The Hope's mission team, both nonprofit organizations in Atwater, CA. Ameriprise provides retirement-income planning services primarily for clients nearing or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored recommendations through a centralized consulting team.

Lynnette Mcgill Koehn is a financial advisor with LPL Financial, holding a Series 66 designation and 17 years of industry experience. She previously worked at Cetera Advisor Networks LLC and Choice Financial Group. LPL Financial provides advisory and brokerage services to a diverse client base, including individual investors, retirement plan sponsors, institutions, and high-net-worth households. The firm offers various investment delivery options supported by an in-house research team and combines large-scale advisory operations with non-advisory product activities.

James Price is a financial advisor with LPL Financial in Merced, California, holding a Series 66 designation and 10 years of industry experience. He previously worked at Edward Jones for five years before joining LPL Financial in 2020. LPL Financial provides advisory and brokerage services to a diverse client base, including individual investors, retirement plan sponsors, institutions, and high-net-worth households. The firm offers a range of investment solutions supported by an in-house research team and a platform that integrates advisory and brokerage services.

Mark Seivert is a CFP® professional with 43 years of industry experience, currently serving at Ameriprise since 2020. He was previously with Ameriprise Financial Services, Inc. from 2005 to 2020. Outside of his advisory role, he serves on the boards of Love Inc of Merced and the Merced Breakfast Lions foundation. Ameriprise is a large institutional firm offering a retirement-income planning service tailored for individuals approaching or in retirement with significant investable assets. The firm provides a comprehensive range of advisory, brokerage, and insurance solutions through affiliated companies, combining research-driven, algorithm-assisted recommendations with personalized financial advice.

Jared Goodin is a financial advisor at LPL Financial with six years of industry experience. He holds the Series 66 designation and has previously worked at Cetera and served five years at the University of Nevada Reno. Outside of his advisory role, he is the owner of Emprah LLC, a real estate rental business. LPL Financial provides advisory and brokerage services to a wide range of clients, including individual investors, retirement plan sponsors, institutions, and high-net-worth households. The firm offers diverse investment solutions supported by an in-house research team, delivering financial planning, model-portfolio programs, third-party asset management, and participant-directed retirement advice through a large network of investment adviser representatives.

David Wood is a financial advisor with Edward Jones in Merced, CA, holding Series 63 and Series 66 licenses and having 25 years of industry experience. He has been with Edward Jones since 2001. Wood has served as past chairman of the Castle Air Museum in Atwater, CA. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs and investment options through a large network of financial advisors and branch offices nationwide.

Edward Macha III is a financial advisor with LPL Financial in Merced, CA, holding a Series 66 designation and 18 years of industry experience. He previously worked at UBS Financial Services for 18 years before joining LPL Financial in 2025. Outside of his advisory role, he is the owner of Kennedymacha Enterprises LLC, a non-investment-related business. LPL Financial provides advisory and brokerage services to a diverse client base, including individual investors, retirement plan sponsors, institutions, and high-net-worth households. The firm offers a variety of investment solutions supported by an in-house research team and delivers services through a large network of investment adviser representatives.

Suzanne Smith is a financial advisor at LPL Financial with 29 years of industry experience. She previously worked at UBS Financial Services for 31 years before joining LPL Financial in 2025. LPL Financial provides advisory and brokerage services to a diverse client base including individual investors, retirement plan sponsors, institutions, charities, and high-net-worth households. The firm offers a variety of investment solutions supported by in-house research and a broad network of investment adviser representatives.

Michael Schwitalla is a financial advisor at Edward Jones with 12 years of industry experience. He holds the Series 66 designation and has been with Edward Jones since 2013. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, with approximately $1.01 trillion in assets under management. The firm offers a range of advisory services, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Curtiss Deoliveira is a CFP® professional with 34 years of industry experience, currently serving at Osaic Wealth, Inc. since 2025. He previously worked for Lincoln Financial Advisors Corporation from 1991 to 2025. Outside of advisory services, he is involved in insurance sales and service through multiple agencies in Turlock, CA, focusing on life, disability, health, and long-term care insurance. Osaic Wealth, Inc. is an SEC-registered investment adviser and FINRA member broker-dealer serving a diverse client base, including individual investors, pension plans, corporations, and charities. The firm employs a technology-driven investment process and offers a wide range of advisory and brokerage services through a large network of financial advisers.

Cody Bijou is a Series 66 licensed financial advisor at Edward Jones with eight years of industry experience. He has been with Edward Jones since 2017 and previously worked at Panera Bread, Walmart, and the University of Arkansas at Monticello. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory services including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets through a large nationwide network of advisors and branch offices.

Matthew Sebastian is a financial advisor with Thrivent Investment Management in Merced, California. He holds Series 63 and Series 65 licenses and has 24 years of industry experience, having worked with Thrivent Financial for Lutherans and Thrivent Investment Management since 2002. Outside of his advisory role, he is involved in managing a single-family residence rental. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a nationwide network of financial advisors. The firm offers comprehensive, goal-based planning across multiple financial topics, combining planning with managed-account programs while keeping those services distinct.

Jeron Brown is a financial advisor at Edward Jones in Turlock, CA, holding a Series 66 designation with 15 years of industry experience. He has been with Edward Jones since 2010. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and operates a large nationwide network of advisors and branch offices.

Darnell Simmons is a financial advisor at Merrill with a Series 66 designation and six years of industry experience. He has worked at Merrill and Bank of America since 2019, and prior to that was employed at companies including Chess Wizards and SolarCity Corporation. Merrill serves a diverse client base including individuals, retirement plans, corporations, and institutional clients by offering managed account programs, third-party manager selection, discretionary portfolio management, brokerage execution, and custody services. The firm emphasizes integrated investment management through multiple program strategies and benefits from its deep affiliation with Bank of America’s broader banking and capital markets platform.

Bryan Nelson is a CFP® with over 21 years of experience in the financial services industry. He is currently affiliated with LPL Financial and has previously worked at Orion Wealth Inc. and Securities America, Inc. Outside of his advisory work, Nelson is involved in a radio broadcasting business and manages an almond farming operation. LPL Financial provides advisory and brokerage services to a diverse client base including individual investors, retirement plan sponsors, institutions, and high-net-worth households. The firm offers a range of investment solutions supported by in-house research and a large network of investment adviser representatives.

Nai Saelee is a Series 66-registered financial advisor with Ameriprise in Merced, California, and has 11 years of industry experience. He has been with Ameriprise and its related entities since 2007. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement with significant investable assets, providing written recommendations on income, Social Security, and tax strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary advice, supported by algorithmic tools and a centralized consulting team.

Nicholas Mori is a financial advisor at Edward Jones with eight years of industry experience. He has held roles at Morgan Stanley Private Bank, Morgan Stanley, and Wells Fargo prior to joining Edward Jones in 2020. Mori holds Series 63 and Series 66 licenses. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, with a nationwide network of over 23,700 financial advisors.

Ann Xaipanya is a Series 66 licensed financial advisor with Edward Jones, based in Merced, CA, and has two years of industry experience. Prior to joining Edward Jones, she worked with OPEK Investments LLC and held various roles in the education and retail sectors. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, supported by a nationwide network of over 23,000 advisors.

Clinton Moore is a financial advisor at LPL Financial with 38 years of industry experience. He previously worked at UBS Financial Services for 38 years before joining LPL Financial in 2025. Moore holds a Series 63 designation and is based in Merced, California. LPL Financial provides advisory and brokerage services to a diverse client base, including individual investors, retirement plan sponsors, institutions, and high-net-worth households. The firm offers a range of investment delivery options supported by an in-house Research team and combines large-scale advisory operations with various product offerings such as insurance, annuities, and cash-management services.

Leonard Bettencourt is a financial advisor with Cetera, holding the PFS™ and Series 66 designations and bringing 26 years of industry experience. His career includes long tenures at Avantax Investment Services, Avantax Advisory Services, and 1st Global Advisors. Bettencourt is also a licensed CPA. Cetera Investment Advisers serves a diverse client base including individual, high-net-worth, institutional, and retirement-plan clients through a large network of independent advisors. The firm offers a range of portfolio management, financial planning, and fiduciary services, utilizing a combination of advisor-managed accounts, model portfolios, and third-party solutions.