Kristie Brown is a Vice President and Senior Financial Advisor with the Special Needs Team at Merrill Lynch Wealth Management. In her role, she functions similarly to a chief operating officer, managing a diverse set of responsibilities that include overseeing daily team operations, marketing, hiring, training, trading operations, business process improvements, and mentoring. Her focus is on enabling her team to deliver a unified client experience dedicated to the long-term financial well-being of individuals with special needs and their caregivers. Kristie collaborates closely with other special-needs professionals and family members to provide tailored financial advice and guidance. Kristie began her career at Merrill Lynch as an intern in 2011, joining the Special Needs Team full-time the following year, and has since taken on increasing responsibilities within the team. She holds a Bachelor's degree in Business Administration with a concentration in Finance from California State University – Stanislaus and maintains the Personal Investment Advisor (PIA) designation. Kristie's experience includes legacy planning, liquidity management, new wealth management, portfolio management services, special needs planning strategies, and women and wealth. Outside of her professional life, Kristie lives in Escalon, California, with her husband, Ryan, their two sons, Karson and Nolan, and their maltipoo, Bailey. She enjoys spending time with her family and friends, as well as outdoor activities such as camping and beach outings.

Curtiss Deoliveira is a CFP® professional with 34 years of industry experience. He has been with Osaic since 2025, following a 34-year tenure at Lincoln Financial Advisors Corporation. In addition to his advisory role, he is involved in insurance sales and service through Western Valley Insurance Associates, handling products such as life, disability, and long-term care insurance. Osaic Wealth, Inc. serves a wide range of retail and institutional clients through a large network of affiliated advisors, offering integrated brokerage and advisory services, financial planning, and access to third-party money managers. The firm utilizes firm-provided asset allocation tools and supports both discretionary and non-discretionary portfolio management.

B Gill is a Wealth Management Advisor and Senior Vice President at Merrill Lynch Wealth Management. With a career at Merrill starting in 1995, B Gill serves as a Portfolio Manager and holds several professional designations including the Retirement Accredited Financial Advisor (RAFA), Chartered Retirement Planning Counselor (CRPC), and Certified Plan Fiduciary Advisor (CPFA). B Gill's areas of expertise include retirement planning, college education planning, and retirement income strategies. Through a collaborative approach with Merrill Lynch Wealth Management and Bank of America specialists, B Gill offers a broad range of services such as retirement planning, life insurance analysis and funding, wealth preservation and transfer services, and lifetime income management. This approach is tailored to clients' risk tolerance, time horizon, liquidity needs, investment goals, and cost considerations. B Gill holds a Bachelor's Degree from Michigan State University and communicates fluently in English and Punjabi. Outside of professional commitments, B Gill has personal interests in baseball, golfing, and tennis.

Juan Acosta is a financial advisor with Morgan Stanley in Modesto, CA, holding Series 63 and Series 65 licenses and having 11 years of industry experience. His career includes roles at JPMorgan Securities LLC and JPMorgan Chase Bank from 2015 to 2019 before joining Morgan Stanley in 2019. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and market simulations.

Nagaraj Awatiger is a financial advisor at Primerica Advisors with a Series 66 designation and seven years of industry experience. His background includes roles at Arista Networks, Pluribus Networks, Crown Capital Securities, and Cisco. In addition to his advisory work, he is involved in referrals for home security and automation products through affiliated companies. Primerica Advisors serves primarily individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable entities. The firm manages a wrap-fee asset management program utilizing model-delivery strategies developed by unaffiliated asset managers and offers a limited number of discretionary separately managed accounts.

Sherry Azevedo is a financial advisor at Osaic with 32 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked with Securities America Advisors and National Planning Corp. Outside of her advisory role, she is involved in life insurance and fixed annuity businesses and serves as owner and CEO of the Azevedo Investment Corporation. Osaic Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations through a broad network of affiliated advisers and multiple advisory platforms. The firm combines brokerage and investment advisory services, financial planning, and access to third-party money managers, employing asset-allocation tools and risk-tolerance analysis to build customized portfolios.

Eder Hernandez Barrientos is a financial advisor at Edward Jones with nine years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Wells Fargo Clearing Services LLC and Wells Fargo Bank NA. Outside of advisory work, he is involved in launching a luxury car rental business in Oakdale, California, in partnership with a family member. Edward Jones is a full-service wealth management firm serving individual and institutional clients across a broad spectrum, including high-net-worth households and charitable organizations. The firm offers a range of advisory programs, managed solutions, and affiliated investment products, supported by a large national network of advisors and branch offices.

Brandon Demers is a financial advisor at Merrill in Modesto, CA, with eight years of industry experience. He holds a Series 66 designation and has worked at Merrill and Bank of America since 2018. His prior work experience includes roles with Associated Students, Inc., Target, and Cold Stone Creamery. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Michael Ravotti is a financial advisor with Stifel in Modesto, CA, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. He previously worked at JP Morgan Securities LLC and JP Morgan Chase Bank, N.A. for a decade before joining Stifel in 2026. Stifel serves a wide range of clients, including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services supported by a proprietary investment methodology developed by its Investment Strategy Group.

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.

Martin Ugalde is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 66 licenses and possessing 20 years of industry experience. Prior to joining Cambridge in 2016, he worked at Bank of America and Merrill Lynch from 2010 to 2016. Outside of his advisory role, he is involved in independent insurance sales and collects and trades collectible cards as a hobby. Cambridge Investment Research Advisors serves a diverse range of clients including individuals, pension and profit-sharing plans, charitable organizations, and trusts. The firm offers financial planning, investment management, retirement plan advisory, and financial wellness services through a network of independent advisors, utilizing both proprietary and third-party investment strategies tailored to client objectives.

Stephen Blakeley is a financial advisor with Edward Jones in Modesto, CA, holding a Series 66 designation and 18 years of industry experience. He has been with Edward Jones since 2013. Outside of his advisory role, he serves on the Finance Committee of the Modesto Chamber of Commerce. Edward Jones is a full-service wealth management firm serving individuals, institutions, and charitable organizations, with over $1 trillion in assets under management. The firm offers a range of advisory programs and investment solutions, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Jose Guerrero Moreno is a financial advisor at Fidelity with six years of industry experience. His prior roles include positions at Bank of America, Merrill, and American Life Income. He holds a Series 66 designation. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including IRS-qualified Charitable Gift Funds and registered investment companies. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios across a broad range of investment vehicles.

Beatriz Buenrostro is a financial advisor at Merrill with eight years of industry experience. She holds the Series 66 designation and has worked at Bank of America, N.A. since 2018 while being with Merrill since 2011. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Todd Barton is a CFP® with 28 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors, LLC. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions supported by research from the Wells Fargo Investment Institute.

Karen Looper is a financial advisor at Morgan Stanley with 25 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at LPL Financial and BMO Bank NA. Outside of her advisory role, she is a member of J.L. Quality Consulting, LLC, a consulting business based in Oakdale, 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 and a broad range of advisory programs, managing approximately $2.74 trillion in client assets.

Vicki Bayley is a financial advisor at Stifel with 28 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Stifel Nicolaus & Co Inc since 2018. Her prior experience includes roles at Wells Fargo Clearing and Wells Fargo Advisors LLC. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, offering both brokerage and investment advisory services. The firm’s investment approach incorporates a proprietary methodology developed by its Investment Strategy Group, which uses forward-looking capital market assumptions and probabilistic modeling to support asset allocation and financial planning.

Maxwell Nohr is a financial advisor at Cambridge Investment Research Advisors with 14 years of industry experience. He holds Series 65 and Series 63 licenses. Prior to joining Cambridge, he worked at National Planning Corporation for six years. In addition to his advisory work, Nohr has conducted financial education workshops for over a decade and has been involved with Chabot College since 2009. Cambridge Investment Research Advisors serves a wide range of clients, including individuals, retirement plans, and nonprofit organizations, offering financial planning and investment management through a network of independent professionals. The firm provides tailored strategies across multiple platforms, including proprietary and third-party models, with both discretionary and non-discretionary management options.

Darnell Simmons is a financial advisor at Merrill with seven years of industry experience. He holds a Series 66 designation and has worked at Merrill and Bank of America since 2019. Prior to his current roles, he was employed by Morgan Stanley, SolarCity Corporation, and Forest Hill Management, among others. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program for Bank of America fiduciary clients. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Bryan Nelson is a CFP® with 22 years of experience in the financial industry, currently serving as an advisor at LPL Financial. He has held prior roles at Orion Wealth Inc. and Securities America, Inc., accumulating extensive experience before joining LPL. Outside of his advisory work, Bryan operates a radio broadcasting business. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing a broad range of advisory and brokerage services to individuals, retirement plan participants, and institutional clients. The firm employs a variety of investment strategies and platforms, supported by advanced research and operational tools.