Michael Melo is the principal of Melo Out Financial, LLC, holding a Series 65 credential with over 20 years of experience, including two decades at Yosemite Farm Credit. He began his financial advisory career independently before founding his current firm in 2025. Melo Out Financial provides investment management and financial planning services to individuals, high-net-worth families, and small businesses, including agricultural clients. The firm focuses on long-term, index-oriented strategic asset allocation with a mix of ETFs, mutual funds, bonds, and cash equivalents, offering both discretionary and non-discretionary portfolio management alongside coaching, consulting, and estate-planning coordination.

John Costa is a financial advisor at Influx Capital Management with 12 years of industry experience. He holds Series 63 and Series 65 licenses and has a background that includes roles at Re/Max Del Oro, Influx Insurance Services, and Principal Life Insurance Company. Outside of advisory services, he is involved in the sale and service of group medical and non-medical benefits. Influx Capital Management serves individuals, trusts, IRAs, and corporate clients by managing portfolios of stocks, bonds, ETFs, and other public investments on a non-discretionary basis. The firm employs a value-oriented investment approach combining fundamental and technical analysis with quantitative screening, focusing on underpriced securities with multi-year catalysts and maintaining low portfolio turnover for tax efficiency.

Christopher Dennis is a financial advisor at Arrowhead Wealth Management Corp. in Modesto, CA, with 33 years of industry experience. He holds a Series 63 designation and has been with Arrowhead Wealth Management since 2014. In addition to his advisory role, he is an independent insurance producer for various insurance companies. Arrowhead Wealth Management Corp. provides fee-based investment advisory services to individuals, trusts, estates, charitable organizations, and business entities, managing approximately $30.8 million in client assets. The firm employs a tactical allocation approach using fundamental, technical, and cyclical analysis to tailor non-discretionary portfolios, and it also serves as a solicitor for a third-party managed-account platform.

David Wong is a financial advisor at Arrowhead Wealth Management Corp. in Modesto, CA, with 31 years of industry experience. He holds a Series 63 designation and previously worked at Wedbush Securities Inc. from 2009 to 2022. Arrowhead Wealth Management Corp. provides fee-based investment advisory services to individuals, trusts, estates, charitable organizations, and business entities, primarily serving non–high-net-worth clients. The firm employs a tactical allocation approach using fundamental, technical, and cyclical analysis to customize portfolios and offers both discretionary management and non-discretionary assets.

Christopher Mraz is a financial advisor at Mraz and Associates in Modesto, CA, holding a Series 65 designation with four years of industry experience. His prior work includes roles at Mraz, Amerine & Associates, Inc. and Conterra Wine Co., LLC. Mraz and Associates provides financial planning, consulting, and discretionary investment management to individuals, retirement plans, trusts, estates, charitable organizations, and business entities. The firm employs a disciplined, value-oriented investment approach incorporating fundamental, technical, and cyclical analysis, managing approximately $785 million in discretionary assets.

David Mraz is a financial advisor at Mraz and Associates in Modesto, CA, holding Series 63 and Series 65 licenses with 28 years of industry experience. He has worked at Mraz, Amrine & Associates since 2011. Mraz and Associates provides financial planning, consulting, and discretionary investment management to individuals—including high-net-worth clients—as well as retirement plans, trusts, estates, charitable organizations, and business entities. The firm employs a disciplined, value-oriented investment approach that integrates fundamental, technical, and cyclical analysis across a range of securities and model portfolios, managing approximately $785 million in discretionary assets.

Angela Gomez Guerrero is a Series 65-licensed financial advisor with Mraz and Associates, bringing one year of industry experience. Prior to joining Mraz and Associates, she held various positions including roles at the University of California - Davis and in retail. Mraz and Associates is a six-advisor team that provides financial planning, consulting, and discretionary investment management to individuals, retirement plans, trusts, estates, charitable organizations, and business entities. The firm employs a disciplined, value-oriented investment approach across a range of securities and model portfolios, managing approximately $785 million in discretionary assets.

Benjamin Johnson is a financial advisor with Mraz and Associates in Modesto, CA, holding a Series 65 designation and 11 years of industry experience. He has been with Mraz, Amerine & Associates, Inc. since 2014. Mraz and Associates serves individuals—including high-net-worth clients—retirement plans, trusts, estates, charitable organizations, and business entities, providing financial planning, consulting, and discretionary investment management. The firm employs a disciplined, value-oriented investment approach that integrates fundamental, technical, and cyclical analysis across diverse asset types and maintains approximately $785 million in discretionary assets under management.

Deidre Mraz is a financial advisor at Mraz and Associates in Modesto, CA, holding Series 63 and Series 65 licenses with 18 years of industry experience. She has worked with Mraz, Amrine & Associates since 2011 and Concert Wealth Management, Inc. since 2008. Mraz and Associates serves individuals—including high-net-worth clients—as well as retirement plans, trusts, estates, charitable organizations, and business entities. The firm employs a disciplined, value-oriented investment approach that integrates fundamental, technical, and cyclical analysis, managing approximately $785 million in discretionary assets across a range of investment vehicles.

Patrick Lettice is a financial advisor with Wedbush Securities Inc. in Modesto, CA, holding a Series 63 designation and over 41 years of industry experience. He has worked at Wedbush Securities since 2013 and concurrently with Vulcan Securities LLC since 2002. Wedbush Securities serves a diverse client base including individual, high-net-worth, foundation, and institutional investors. The firm offers brokerage and SEC-registered investment advisory services, combining capital markets, custody, clearing, and prime services with a range of managed account and commission-based solutions.

Gregory Lebbert is a financial advisor with Infinity Financial Services Advisory in Modesto, CA, holding a Series 63 designation and 40 years of industry experience. He has worked at Infinity Financial Services Advisory since 2020 and previously at Wells Fargo Advisors LLC from 2009 to 2016. Infinity Financial Services Advisory serves individuals, including high-net-worth clients, pension and profit-sharing plans, charitable organizations, and small businesses. The firm provides discretionary portfolio management and financial planning using a variety of analytical methods and investment strategies across multiple asset classes.

Valerie Hurst is a financial advisor at United Capital Financial Advisors with 26 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at firms including Goldman Sachs & Co LLC and Cetera Advisor Networks LLC. Hurst serves on the advisory board for the McHenry Mansion, a local historical landmark in Modesto, California. United Capital Financial Advisors provides financial planning and investment management services nationally to individuals, corporations, retirement plans, charitable organizations, and institutional clients. The firm employs discretionary portfolio management using asset-allocation models and offers portfolio customization for ESG and faith-based preferences.

Christopher Barber is a financial advisor with Mutual Advisors, LLC, holding Series 65 and Series 66 credentials and 18 years of industry experience. His prior work includes roles at Incapital LLC and Griffin Capital Securities, Inc. He also works as an independent insurance agent, selling fixed life insurance policies through Swain Financial Services, Inc. Mutual Advisors, LLC is an SEC-registered firm managing approximately $6.75 billion across 123 advisors and serving over 8,000 clients. The firm offers asset management and financial consulting to individuals, institutions, trusts, and retirement plans, employing a mix of passive and active investment strategies tailored to client objectives.

Ryan Bertrand is a financial advisor with Missionsquare Retirement based in Modesto, CA. He holds Series 63 and Series 65 licenses and has nine years of industry experience. His prior work includes positions at Wells Fargo Clearing, Wells Fargo Advisors LLC, and Wells Fargo Bank NA. MissionSquare Retirement serves state and local government employers, employees, and certain nonprofit entities by administering deferred compensation and qualified retirement plans. The firm provides plan administration, recordkeeping, education, and Guided Pathways Advisory Services, with investment advice and model portfolios developed by Morningstar Investment Management.

Andrew Wolf is a financial advisor with United Capital Financial Advisors in Modesto, CA, holding a Series 66 designation and 12 years of industry experience. His prior roles include positions at Goldman Sachs & Co LLC, Cetera Advisor Networks LLC, and Girard Securities Inc. United Capital Financial Advisors provides financial planning and investment management services nationally to a diverse client base, including individual investors, corporations, retirement plans, and charitable organizations. The firm employs discretionary portfolio management using asset-allocation models and offers portfolio customization for ESG and faith-based preferences, supported by proprietary technology and both internal and external research.

Gina Leguria is a Series 65-licensed financial advisor with Integrity Advisory Solutions, based in Modesto, CA, and has two years of industry experience. She has held roles at Brokers Financial and Integrity Advisory Solutions since 2024 and has a legal background running her own law firm, The Law Firm of Gina Leguria, since 2009. She serves as Vice President of the Stanislaus Estate Planning Council and is a board member of United Cerebral Palsy of Stanislaus County. Integrity Advisory Solutions serves a diverse client base, including individuals, trusts, estates, charitable organizations, and corporate retirement plans. The firm offers portfolio management, financial planning, and retirement plan consulting through a network of investment adviser representatives, utilizing third-party platforms and model portfolios.

Donna Fredrickson is a financial advisor at Wedbush Securities Inc. in Modesto, CA, holding Series 63 and Series 66 licenses with 11 years of experience at the firm since 2015. Wedbush Securities serves a diverse client base including individual and high-net-worth investors, foundations, and institutional clients, offering brokerage and SEC-registered investment advisory services across multiple asset classes and account types. The firm combines broker-dealer and capital markets functions with clearing, custodial, and prime services, managing approximately $5.68 billion in regulatory assets.

Jeroen Hoogeveen is a financial advisor at Transamerica Financial Advisors with 25 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Transamerica Financial Advisors since 2012. He also has a longstanding association with World Financial Group dating back to 2001. Outside of advisory services, he is involved in the sale of insurance products affiliated with Transamerica Financial Advisors. Transamerica Financial Advisors provides investment advisory, brokerage, and retirement-plan services to a diverse client base, including individuals, employer-sponsored plans, trusts, estates, charitable organizations, and businesses. The firm uses a model portfolio approach implemented through multiple program platforms and third-party managers, supported by an extensive advisor network.

Flora Burke is a financial advisor with Valic Financial Advisors in Modesto, CA, holding Series 63, 65, and 66 licenses and bringing 23 years of industry experience. Her prior roles include positions at Agia, E*TRADE Capital Management, Bank of America, Merrill, and Waddell & Reed. Outside of her advisory work, she is also an agent for non-securities insurance products with Agia. Valic Financial Advisors primarily serves U.S.-domiciled individual investors, including high-net-worth clients, as well as corporate and retirement-plan participants. The firm offers discretionary managed-account programs, financial planning, and brokerage services, utilizing Envestnet-developed UMA models and providing various overlay options to tailor client portfolios.

Jeffrey Cleek is a financial advisor with Valic Financial Advisors in Modesto, CA, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. He has worked at Valic Financial Advisors since 1997 and also serves as an assistant softball coach for the varsity team at Big Valley Christian High School. Additionally, he acts as an agent for non-securities insurance products through Agia. Valic Financial Advisors primarily serves U.S.-domiciled individual investors, including high-net-worth and ultra-high-net-worth clients, as well as corporate and retirement-plan participants. The firm offers discretionary managed-account programs, financial planning, consulting, and brokerage services, utilizing Envestnet-developed UMA models to construct client portfolios.