Gregory Hoekman is a CFP® with 16 years of industry experience, currently serving as a financial advisor at Cetera since 2020. His prior work includes roles at Wells Fargo Clearing and Wells Fargo Bank. He is a director of the Estate Planning Group of Stanislaus County and a board member at Calvary Church Foundation, where he participates in funding decisions and charitable giving education. Cetera Investment Advisers LLC is an SEC-registered advisor supporting individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of over 10,000 advisors. The firm offers a multi-manager platform with a range of portfolio management options, discretionary and non-discretionary services, and access to third-party money managers.

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.

Priscilla Ramirez is a financial advisor at LPL Financial with five years of industry experience. Her background includes roles at J.P. Morgan Securities, JPMorgan Chase Bank, and Basin Lake. She also operated Marz Salon for 13 years. 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 and model portfolio programs, supported by extensive technology and a large network of over 22,800 advisors.

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 nine years of industry experience. She has been with Merrill since 2016 and has also worked at Bank of America, N.A. since 2018. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies developed by internal and third-party managers.

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.

Kenneth Matthys is a financial advisor with Morgan Stanley in Modesto, CA, holding a Series 66 designation and 12 years of industry experience. He has worked at Morgan Stanley since 2014 and at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients, offering advisory programs and tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides a broad range of investment services, including planning through its Financial Advisors and Estate Planning Strategies Group.

Miguel Garcia is a Financial Advisor with Merrill Lynch Wealth Management. He works closely with clients to understand their priorities and goals, offering strategies to achieve short-, mid-, and long-term financial objectives. His services include general investing, retirement planning, and saving for unforeseen circumstances. Additionally, Miguel provides access to Bank of America specialists for banking, credit, home financing, and small business solutions. He focuses on areas such as college education planning, family wealth management strategies, liquidity management, managing new wealth, personal retirement planning, and tax minimization. Miguel holds professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). He attended Modesto Junior College without earning a degree and completed high school at Thomas Downey High School. Miguel is bilingual, speaking both English and Spanish. Outside of work, he enjoys biking, bowling, golfing, listening to music, and spending time with his family.

Madeline Runyan is a financial advisor with Morgan Stanley in Modesto, CA, holding a Series 66 designation and five years of industry experience. Before joining Morgan Stanley in 2019, she worked in the service and education sectors, including at California State University Stanislaus and Top Notch Kennels. Outside of her advisory role, she is involved with Friends & Family, a construction and engineering business in Turlock, California. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and offers services that include both direct individual plans and corporate financial planning agreements.

Paul Ramer is a financial advisor with Wells Fargo Clearing in Modesto, CA, holding Series 63 and Series 65 credentials and having 34 years of industry experience. He previously worked at Wells Fargo Investments, LLC for 10 years before joining Wells Fargo Clearing in 2016. Outside of his advisory role, he co-owns a yoga studio with his spouse. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets through more than 14,000 advisors and offers both brokerage and advisory solutions.