Michele Mc Call is a financial advisor at Edward Jones in Modesto, CA, holding Series 63 and Series 66 credentials with 22 years of industry experience. She has been with Edward Jones since 2003. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Esaul Guerrero III is a Series 66 licensed financial advisor with 20 years of industry experience, currently affiliated with Edward Jones. He has been with UnionBanc Investments Services since 2009. Outside of his advisory work, he is involved in rental property management and operates an RV rental business, as well as a venue rental service for events and photo shoots in Modesto, CA. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs, managed solutions, and affiliated investment products, supported by a large nationwide network of financial advisors and branch offices.

Pablo Zeiter is a financial advisor at Ameriprise in Modesto, CA, holding a Series 66 designation. He has one year of experience in the advisory industry and previously worked as a self-employed real estate appraiser for eight years. Before that, he operated Designation Station LLC for two years. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, with a specialized Premier Retirement Income service that provides retirement planning advice focused on dependable income and tax-aware withdrawal strategies.

Jeffrey Sutton is a financial advisor at Stifel with 32 years of industry experience. He holds the Series 63 designation and has worked at Stifel Nicolaus & Co Inc since 2018, with prior roles at Wells Fargo Clearing and A. G. Edwards & Sons, Inc. He is also the author of the book "WHY MY MOMMY?," which he promotes through social media and book signings. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, offering both brokerage and investment advisory services. The firm’s investment approach is based on proprietary analyses developed by its Investment Strategy Group, supporting client decisions with capital market assumptions and probabilistic modeling.

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.

Thomas Diniz is a financial advisor at Merrill with a Series 66 designation. He has worked in the financial industry since 2022, including roles at Vermeulen & CO and FinDec. Prior to his financial career, he was employed at California Kitchens Plus for six years. Merrill, along 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 and profit-sharing plans, corporations, and charitable organizations.

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.

Frank Feng is a financial advisor with LPL Financial in Stockton, CA, holding the CFP® and ChFC® designations and possessing 34 years of industry experience. Before joining LPL Financial in 2021, he worked for 24 years at Cuna Mutual Group. 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 and brokerage services, including financial planning and access to various model portfolios and institutional platforms.

Reijer Groenveld is a financial advisor with Edward Jones in Tracy, CA, holding a Series 66 designation and nine years of industry experience. He has been with Edward Jones since 2017. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including high-net-worth households and charitable organizations. The firm manages approximately $1.01 trillion in assets under management and offers a range of discretionary and non-discretionary investment strategies supported by a large nationwide network of financial advisors and branch offices.

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.

Theresa Trayner is a financial advisor at Edward Jones in Tracy, CA, holding a Series 66 designation with three years of industry experience. She has worked at Edward Jones since 2012. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a range of discretionary and non-discretionary investment strategies, including separately managed accounts and affiliated mutual funds, and operates under a fiduciary standard.

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 with expertise in providing investment consulting and retirement planning services. She is affiliated with Merrill Lynch Wealth Management and holds professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Ms. Liu earned her Master of Business Administration degree from Northwestern Polytechnic University. She serves clients with a focus on defined benefit and defined contribution plans, international wealth management, legacy planning, managing new wealth, personal retirement planning, small business strategies, and tax minimization. Ms. Liu is a Portfolio Advisor in the Merrill Investment Advisory Program, recommending strategies and solutions tailored to clients' financial goals. Beyond her professional work, she participates in community activities associated with the Gallo Center for the Arts and the Modesto Chinese Christian Church. Her personal interests include hiking, pickleball, reading, swimming, and traveling.

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.

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.