Madeline Runyan is a financial advisor at Morgan Stanley in Modesto, CA, holding a Series 66 designation with five years of industry experience. Her prior work includes roles at Top Notch Kennels, Red Brick Bar and Grill, Sprint by California Wireless, and California State University Stanislaus. Outside of her advisory role, she is involved in an accounting and bookkeeping position at Friends & Family, a construction and engineering firm. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, delivering tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through corporate partnerships.

Paul Ramer is a financial advisor with Wells Fargo Clearing in Modesto, CA, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has worked at Wells Fargo Advisors LLC and Wells Fargo Clearing since 2011. Outside of his advisory role, he co-owns a yoga studio in Modesto with his spouse. 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 grounded in modern portfolio theory. The firm’s services include investment policy statement preparation, plan benchmarking, and participant education, with a notable inclusion of insurance-related investment options and bank deposit sweep programs.