Eugenio Carrillo Jr. is a financial advisor at Ameriprise with 37 years of industry experience. He holds the Series 63 designation and has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory work, he is involved with Rotary International, participating in community service and initiatives promoting integrity and goodwill. Ameriprise is a large institutional firm that offers a retirement-income planning service aimed at individuals nearing or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficient strategies to provide personalized, written recommendations delivered through a centralized consulting team.

Tasha Way is a financial advisor with Morgan Stanley in Modesto, CA, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009. Outside of her advisory role, she serves as a board member and officer of Gross Farms of Greenville, Inc., an agricultural and real estate business. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and the Global Investment Committee's analyses. The firm manages approximately $2.74 trillion in client assets and serves clients through both direct engagements and employer-sponsored plans.

Seth Hammerbeck is a Financial Advisor with Merrill Lynch Wealth Management. He works with individuals and families to help them plan for and achieve their financial goals. Seth takes the time to understand what is important to his clients and develops strategies to pursue their short-, mid-, and long-term objectives. His areas of focus include college education planning, legacy planning, personal retirement planning, small business strategies, tax minimization, and retirement income. Seth holds the Chartered Retirement Planning Counselor (CRPC) designation and earned a Bachelor's Degree from the California State University System. In his advisor role, he provides guidance covering general investing, retirement planning, and saving for unexpected expenses. He also facilitates access to Bank of America specialists for banking, credit, home financing, and small business solutions. Outside of his professional activities, Seth enjoys camping, fishing, football, hiking, hunting, spending time with his family, and traveling.

George Walters is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and 43 years of industry experience. He has worked at Cetera and Cetera Wealth Services since 2013. Outside of his advisory role, he is involved in fixed insurance sales through California Asset Management and owns a group retirement insurance business. Cetera Investment Advisers LLC serves a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options, discretionary and non-discretionary services, and access to third-party money managers.

Manjinder Kaur is a financial advisor with LPL Financial in Turlock, CA, holding Series 65 and Series 63 licenses and having seven years of industry experience. She previously worked at JPMorgan Chase Bank, N.A., J.P. Morgan Securities LLC, Wells Fargo, and U.S. Bank. 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 financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting a wide range of investment strategies through a large network of investment adviser representatives.

Nikkolas Nakai is a financial advisor at Morgan Stanley with six years of industry experience and holds a Series 66 designation. He has been with Morgan Stanley since 2019 and also worked at Morgan Stanley Private Bank, N.A. from 2021. Prior to his financial services career, Nakai was involved with Omni Fight Club and DFit Enterprises. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers both direct and corporate financial planning services.

Patty Richardson is a Series 66 licensed financial advisor with Merrill in Modesto, CA, where she has worked since 1994. She has 27 years of industry experience. Merrill, along 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.

Jose Diaz is a financial advisor with LPL Financial based in Modesto, CA, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. His prior experience includes roles at Morgan Stanley and Citigroup Global Markets. He is also involved in an exclusive insurance brokerage as an agent. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network of investment adviser representatives. The firm serves individuals, retirement plan participants, banks, trust companies, and institutions, offering a broad range of financial planning and investment solutions with an emphasis on combining scale, technology, and multiple financial products.

Yating Liu is a Financial Advisor at Merrill Lynch Wealth Management. She has over seven years of experience in the financial industry, having started her career at Citibank before joining Merrill Lynch in early 2023. Her expertise encompasses investment analysis, risk management, and comprehensive retirement and education planning. She holds a Master of Business Administration degree from Northwestern Polytechnic University and has earned professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). As a Portfolio Advisor in the Merrill Investment Advisory Program, she collaborates closely with clients from diverse backgrounds to develop strategies aligned with their financial objectives. Outside of her professional role, Yating engages with the community through the Gallo Center for the Arts and the Modesto Chinese Christian Church. Her personal interests include swimming, reading, hiking, and traveling, which contribute to both her personal enrichment and professional perspective.

Erik Speer is a Financial Advisor at Merrill Lynch Wealth Management. He specializes in retirement planning, asset management, and lending solutions tailored to individual client needs. His approach involves listening to clients' stories and collaborating to develop customized financial plans that address their specific goals and circumstances. Erik's expertise spans several focus areas including divorce transition planning, education planning, family wealth management strategies, services for endowments, foundations, and non-profits, legacy planning, managing new wealth, personal retirement planning, small business strategies, tax minimization, and retirement income. He holds the Personal Investment Advisor (PIA) designation and earned a bachelor's degree from the California State University System. Outside of his professional work, Erik participates in Habitat for Humanity and enjoys personal interests such as camping, cooking, fishing, skiing, tennis, and spending time with his family.

Clayton Fegett is a financial advisor at Edward Jones with four years of industry experience. His prior roles include positions at The Vanguard Group Inc. and Bank of America NA. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, operating under a fiduciary standard and managing approximately $1.01 trillion in assets.

Gregory Hoekman is a CFP® with 16 years of industry experience, currently serving as a financial advisor at Cetera. His prior experience includes roles at Wells Fargo Clearing, Wells Fargo Advisors LLC, and Oak Valley Community Bank. He is a director of the Estate Planning Group of Stanislaus County and a board member of the Calvary Church Foundation. Cetera Investment Advisers LLC is an SEC-registered firm that provides a multi-manager platform serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a network of over 10,000 advisors and manages assets totaling more than $256 billion.

Shaun Joseph is a Senior Financial Advisor and First Vice President at Merrill Lynch Wealth Management. He leads The Joseph Group, a team dedicated to providing personalized financial advice and managing wealth for clients across various professions including business owners, doctors, dentists, attorneys, executives, and retirees. His practice focuses on helping clients pursue goals such as generating reliable retirement income, business transitions, retirement planning, wealth transfer, tax-sensitive investment strategies, financing major purchases, and education funding. Shaun Joseph joined Merrill in 2014 and holds a Bachelor's degree in Business from California State University Stanislaus. He holds the Certified Plan Fiduciary Advisor (CPFA) designation and is recognized within Merrill as a Retirement Accredited Financial Advisor and Portfolio Manager. His advisory approach centers on developing personalized financial strategies through a defined process that involves understanding clients' situations comprehensively. Outside of his professional work, Shaun enjoys playing music—including guitar, bass, and piano—as well as engaging in sports such as golf, basketball, softball, and table tennis. He values spending time with his family, which includes his wife Melanie and their two children.

Leonard Bettencourt is a financial advisor at Cetera with 27 years of industry experience. He holds the PFS™ and Series 66 designations and has previously worked at Avantax and 1st Global Advisors. Bettencourt is also a CPA. Cetera Investment Advisers LLC serves a diverse client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management and consulting services, supporting a wide range of program structures and investment strategies.

Robert Mc Coy is a CFP® and Series 66-registered financial advisor with Edward Jones in Modesto, CA, where he has worked since 2009. He has 17 years of experience in the financial industry. Edward Jones is a full-service wealth management firm serving individual and institutional clients through a nationwide network of over 23,000 financial advisors. The firm offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Eriona Dhimitri is a financial advisor with Merrill, holding a Series 66 designation and eight years of industry experience. She has been with Merrill since 2016 and also works with Bank of America, N.A. since 2018. 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, offering model-based and discretionary strategies for a range of clients including individuals, high-net-worth clients, and corporations.

Christopher Maxfield is a Series 66 licensed financial advisor at Merrill with three years of industry experience. Prior to joining Merrill, he was with LPL Financial and has a diverse background including roles in retail, community service, and education. He has also participated in Americorps and worked with the Junior Giants program. 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.

Cade Countryman is a financial advisor with Stifel, holding a Series 66 license and based in Modesto, CA. He joined Stifel in 2025 and has prior experience at firms including Charles Schwab and Tyler Technologies, Inc., as well as roles in dairy and hospitality businesses. Stifel serves a broad client base including individuals, institutional clients, and municipal entities, offering both brokerage and investment advisory services. The firm utilizes a proprietary investment methodology developed by its Investment Strategy Group, providing plans that support client decision-making without guaranteeing outcomes.

Edward Gouzenne is a financial advisor with Morgan Stanley in Modesto, CA, holding a Series 66 designation and 16 years of industry experience. His work history includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney LLC, and Wells Fargo Clearing. Prior to his financial services career, he was employed by the California Highway Patrol for two years. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutional clients, including customized financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and modeling techniques.

John Bellizzi is a financial advisor with Morgan Stanley in Modesto, CA, holding Series 63 and Series 65 licenses and bringing 51 years of industry experience. He has been with Morgan Stanley Private Bank, N.A. since 2015 and has worked at Morgan Stanley Smith Barney LLC since 2009. Bellizzi serves on the investment committees of the Stanislaus Community Foundation and the Gallo Center for the Arts. Morgan Stanley Wealth Management offers a wide array of advisory programs to individuals and institutional clients, providing tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools, including Secular Return Estimates and Monte Carlo simulations, to develop financial plans.