Ronnie La Barbera is a financial advisor with Cetera, holding Series 66 and Series 63 licenses and bringing 35 years of industry experience. He is the founder and principal of R Squared Financial, LLC, providing financial planning and investment advice since 2011. Outside of advisory work, he is a partner in a family real estate partnership and manages an independent insurance agency specializing in commercial and personal lines. Cetera Investment Advisers LLC offers a multi-manager platform serving individual, retirement plan, corporate, charitable, and institutional clients with a range of portfolio management, financial planning, and retirement services. The firm supports over 10,000 advisors and employs various discretionary and non-discretionary program structures.

Sandy Brown is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and with 24 years of industry experience. Prior to joining LPL Financial, Sandy worked at Bank of America and Merrill for six years each, and was involved with New Covenant Community Church for seven years. Outside of advising, Sandy holds an administrative role at Eye Q Vision Care. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients nationwide. The firm provides a range of advisory programs, retirement plan consulting, and brokerage services supported by proprietary and third-party research.

Jack Stonhaus is a financial advisor with UBS Financial Services in Fresno, CA, holding a Series 63 designation and 43 years of industry experience. He has been with UBS since 2009. Outside of his advisory role, he serves as an advisor to the Fresno State Foundation, a nonprofit organization focused on scholarships and educational programs. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, utilizing proprietary research and model-based asset allocations to tailor financial plans.

Nathan Schiffer is a financial advisor with Wells Fargo Clearing in Stockton, CA, holding a Series 66 designation and 19 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC and Wells Fargo Bank. Outside of his advisory role, he owns and operates a sports card resale business in Woodbridge, CA. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans 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 range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Otto Cruz Jr. is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and six years of industry experience. He has been with Wells Fargo Clearing Services LLC since 2019 and has also worked at Wells Fargo Bank NA since 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm uses an IPS-driven approach based on modern portfolio theory and includes a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Christopher Dodson is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 18 years of industry experience. He has worked with Wells Fargo Clearing since 2016 and previously with Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, he is involved in managing rental properties jointly owned with his spouse. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary solutions. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a broad range of investment options, such as insurance-related vehicles and bank deposit sweep programs.

Julie Gaykian Hamory is a financial advisor with Wells Fargo Clearing in Fresno, CA, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. She has been with Wells Fargo Clearing since 2016, following three years at Wells Fargo Advisors. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary solutions. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Thomas Dias is a CFP®-designated financial advisor with 27 years of industry experience. He is currently with LPL Financial and has held previous roles at RBC Capital Markets Corporation, City National Bank, Waddell & Reed, Inc., and operated Dias Financial Group Inc. in Fresno, CA. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual clients, retirement plans, banks, corporations, and charitable organizations nationwide through a broad network of investment adviser representatives. The firm offers diversified advisory programs, financial planning, and retirement consulting, incorporating research, model portfolios, and various asset management strategies.

Daniel Aller is a financial advisor at Wells Fargo Advisors with 21 years of industry experience. He holds Series 63 and Series 65 licenses and has worked within the Wells Fargo organization since 2011. Outside of his advisory role, he owns and manages DJ Aller Holdings, LLC. Wells Fargo Advisors Financial Network provides investment and financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services and integrates advisory offerings with other financial product sales and referral channels.

Delree Brownfield is a financial advisor with Ameriprise in Fresno, CA, holding Series 65 and Series 66 credentials and 23 years of industry experience. She has been with Ameriprise and its affiliated entities since 2008. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement who meet certain asset thresholds, offering tailored Recommendation Reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and algorithmic tools to support its advisory process and offers a broad range of advisory, brokerage, and insurance solutions.

Lance Backowski is a financial advisor with LPL Financial, holding a Series 66 designation and 24 years of industry experience. He previously worked at Morgan Stanley Smith Barney and Morgan Stanley Private Bank for a combined total of 18 years. Outside his advisory role, he is involved with Backowski Financial, Inc., a business entity for tax and investment purposes. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients nationwide. The firm offers various advisory programs, retirement plan consulting, and brokerage services, using both discretionary and non-discretionary management supported by research and model portfolios.

Michael Holiday is a financial advisor at Edward Jones with 13 years of industry experience. He holds the Series 66 designation and has been with Edward Jones since 2012. Outside of his advisory role, he serves as Vice President of Jerol W Holiday Inc and is the CEO/President of Jerol W Holiday Inc, an unclassified business based in California. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment strategies supported by a nationwide network of more than 23,700 financial advisors.

Nicole Otta is a financial advisor at RBC Capital Markets with one year of industry experience. She holds a Series 66 designation and previously worked at Betts Recruiting and VincentBenjamin (now The Intersect Group). RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutional clients, and charitable organizations. The firm offers various wrap fee advisory programs with discretionary and non-discretionary portfolio management tailored to clients’ Advisory Risk Profiles and utilizes both in-house and third-party investment managers.

Richard Quan is a financial advisor with MassMutual Investors Services based in Fresno, CA, holding CFP®, Series 63, and Series 65 designations with 39 years of industry experience. He has worked at MassMutual Investors Services since 2017 and previously at MetLife Securities Inc. from 2015 to 2017. Outside of advising, Mr. Quan is an independent insurance agent and has been involved in insurance sales since 1986. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, using firm-approved software tools to deliver written recommendations within collaborative, annual planning engagements.

Claudia Vazquez Geis is a financial advisor with LPL Financial and holds Series 63 and Series 66 licenses. She has 21 years of industry experience and has previously worked with firms including Raymond James Financial, First Allied Advisory Services, and Cetera Advisors. She is also involved in selling non-variable insurance to friends and family. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of advisers. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by research and model portfolios.

Mark Manchester is a financial advisor with Wells Fargo Clearing in Fresno, CA, holding Series 63 and Series 66 credentials and seven years of industry experience. He has been with Wells Fargo Clearing Services LLC since 2018 and has worked at Wells Fargo Bank, N.A. since 2014. Outside of his advisory role, he assists in managing a rental property owned by his spouse. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. 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.

Raphael Rojo is a financial advisor with Wells Fargo Clearing in Fresno, CA, holding Series 63 and Series 66 licenses and bringing 13 years of industry experience. He has worked at various Wells Fargo entities since 2010. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting, managing approximately $671 billion in assets across more than 14,000 financial advisors.

Luis Bravo Medina is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 credentials and seven years of industry experience. His career includes roles at J.P. Morgan Securities and JPMorgan Chase Bank prior to joining Wells Fargo. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and combines research from Wells Fargo Investment Institute with third-party data to support its investment approach.

David Baker is a financial advisor with Morgan Stanley in Fresno, CA, holding Series 63 and Series 65 credentials and bringing 27 years of industry experience. He has worked at Morgan Stanley since 2009, including a role at Morgan Stanley Private Bank, National Association, since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s advisory approach includes structured planning processes and a range of investment programs, supported by resources such as the Global Investment Committee’s Secular Return Estimates and Monte Carlo simulations.

Taylor Franzman is a financial advisor at J.P. Morgan Securities with eight years of industry experience. He holds a Series 66 designation and previously worked at Merrill and Bank of America. Outside of his advisory role, Franzman is a partner in SheraChic LLC, a retail boutique specializing in handmade jewelry and accessories. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with due diligence and an ESG eligibility framework to support its non-discretionary advisory approach.