Wilton Owyang is a financial advisor at Morgan Stanley with 28 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Smith Barney LLC since 2022. Prior to that, he spent 13 years at Wells Fargo Clearing and Wells Fargo Advisors LLC. Outside of financial advising, he is a partner at Skin Specialists LLC, a retail and online store based in Fresno, California. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers tailored financial planning using structured discovery conversations and firm-approved tools, managing approximately $2.74 trillion in client assets.

Adam Kim is a financial advisor with Cambridge Investment Research Advisors and holds Series 63 and Series 66 credentials. He has 25 years of industry experience, including prior roles at Equitable Advisors and Axa Advisors. Kim serves as a board member at Vanguard University. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, retirement plans, and charitable organizations. The firm offers financial planning, investment management, and retirement advisory services through a network of independent financial professionals and provides multiple investment implementation options, including proprietary and third-party strategies.

Liliana Lopez Garcia is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and seven years of industry experience. She has been with Wells Fargo Clearing Services LLC since 2018 and has also worked at Wells Fargo Bank, N.A. since 2012. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a broad range of financial product offerings including insurance-related vehicles and bank deposit sweep options.

Reese Curtis is a financial advisor at LPL Financial with a Series 66 credential and four years of industry experience. His prior work includes roles at Brighton Investment Solutions, The Habit Burger & Grill, California State University Fresno, and the Clovis Unified School District. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a variety of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.

Sonny Botello is a financial advisor with Wells Fargo Clearing in Fresno, CA, holding Series 63 and Series 65 licenses and 16 years of industry experience. He has worked with Wells Fargo Advisors LLC and Wells Fargo Bank, N.A. prior to his current role. Botello serves on the advisory board of the CSU Money Management Center, where he participates in financial literacy initiatives and budget reviews. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages roughly $671 billion in assets and offers both brokerage and advisory solutions.

Robert Garabedian is a financial advisor with Morgan Stanley in Fresno, CA, holding a Series 63 designation and bringing 50 years of industry experience. He has worked with Morgan Stanley Smith Barney since 2009 and with Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory role, he serves on the finance committee of the Charlie Keyan Armenian Community School, a nonprofit organization. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a wide range of advisory programs to individuals and institutions. The firm emphasizes structured financial planning supported by firm-approved tools and serves clients with both direct and employer-sponsored plans.

M Garcia is a financial advisor at Merrill with six years of industry experience. They hold a Series 66 designation and have been associated with Merrill and Bank of America, N.A. since 2015. Merrill provides managed account services through its Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers model-based and discretionary investment strategies developed by its internal Chief Investment Office and third-party managers, along with account administration and custody support.

Albert Linker Jr. is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 35 years of industry experience. His prior roles include positions at Cetera Advisors LLC, First Allied Advisory Services, and founding Linker Financial Group, Inc. Outside of his advisory work, he is a business owner of Healthcare Resource Services, LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by extensive operational tools and oversight of over $819 billion in discretionary assets.

Benjamin Monreal is a financial advisor with LPL Financial in Fresno, CA, holding a Series 63 designation and 36 years of industry experience. He has been with LPL Financial since 2001. Outside of his advisory role, he is involved with the Fig Garden Swim & Racquet Club. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory services including financial planning, model portfolios, third-party asset management, and institutional platforms.

Lawrence Kipp is a financial advisor with LPL Financial in Fresno, CA, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He previously worked at Piper Sandler & Co. from 2001 to 2004 and has been with Linsco/Private Ledger Corp since 2004. He also operates a separate business under Kipp Investment Management. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a wide range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Kacy Walker is a financial advisor with LPL Financial, holding a Series 66 designation and seven years of industry experience. She has worked at several firms, including Cetera and K. W. Financial, where she is also the owner of an expense management business that functions as a pass-through company for tax purposes. Walker has additional experience assisting with website design and client data organization at Pigott Financial Corporation. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a wide range of advisory and brokerage services, including financial planning and institutional platforms, supported by a large network of investment adviser representatives and advanced operational tools.

Ronald Samuel is a financial advisor with Ameriprise in Fresno, CA, holding a Series 66 designation and 24 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he serves on the Board of Directors and as Foundation Chair for the Fig Garden Rotary Club of Fresno. Ameriprise offers retirement-income planning services primarily for clients with significant investable assets, delivering tailored recommendation reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and automated tools under oversight to support personalized retirement planning.

Brent Folland is a financial advisor with UBS Financial Services in Fresno, CA, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been with UBS Financial Services Inc. since 2008. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client strategies.

Zachary Harless is a financial advisor with Wells Fargo Clearing in Fresno, CA, holding Series 63 and Series 66 licenses and 16 years of industry experience. He has been with Wells Fargo since 2013. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and brokerage solutions. The firm manages approximately $671 billion in assets and utilizes research and analytics to support its investment approach.

Craig Vitale is a financial advisor with Cetera, holding a Series 66 credential and 24 years of industry experience. He has worked at Cetera and affiliated entities since 2002. In addition to his advisory role, Vitale is a CPA and an employee at Dristas Groom McCormick LLP, an accounting firm specializing in tax and financial services. Cetera Investment Advisers LLC is a large SEC-registered firm serving individual, corporate, charitable, and institutional clients through a nationwide network of over 10,000 advisors. The firm offers a range of investment management and retirement services with multiple program structures and access to third-party managers.

Daniel Onsurez is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and seven years of industry experience. His prior roles include positions at Bank of America, Merrill, J.P. Morgan Securities, and service in the United States Marine Corps. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Michael Grannis is a Series 66-licensed financial advisor with Wells Fargo Clearing, based in Fresno, CA, and has 18 years of industry experience. He has been with Wells Fargo Clearing since 2016 and has prior experience at Wells Fargo Bank NA and Wells Fargo Advisors, LLC. He serves as a board member of the Fresno Estate Planning Council. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services grounded in modern portfolio theory. The firm’s approach includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Paul Forbes is a financial advisor with LPL Financial in Fresno, CA, holding a Series 66 designation and 20 years of industry experience. He has worked at LPL Financial since 2009 and previously held positions at Associated Planners Investment Advisory Inc. and Associated Securities Corp. LPL Financial is a national broker‑dealer and SEC‑registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to third-party asset management, supported by advanced operational tools and a broad platform of financial activities.

Christopher Davis is a financial advisor with LPL Financial in Fresno, CA, holding a Series 66 designation and 28 years of industry experience. He previously worked at Merrill for 12 years before joining LPL Financial in 2010. Outside his advisory role, he is involved with Thiesen Dueker Modern Wealth Management, an affiliated LPL business. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of services including financial planning, model portfolio programs, and institutional platforms, supporting advisors with both discretionary and non-discretionary strategies.

Brian Ruff is a financial advisor with Primerica Advisors in Fresno, CA, holding Series 63 and Series 65 licenses and 27 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 1998. In addition to his advisory role, he is involved in the sale of loan products and home-related services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, which offers model-delivery strategies and select discretionary separately managed account options to individual and high-net-worth clients. The firm uses third-party asset managers and maintains an operational model based on tiered wrap fees, focusing on curated portfolio management rather than institutional plan management.