Kenneth Matthys is a financial advisor with Morgan Stanley in Modesto, CA, holding a Series 66 designation and having 11 years of industry experience. He has been with Morgan Stanley and Morgan Stanley Private Bank, National Association since 2014 and 2015, respectively. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs including tailored financial planning supported by firm-approved tools and a structured discovery process.

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 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.