Omar Khalil is a financial advisor with Charles Schwab, holding a Series 66 credential and bringing nine years of industry experience. He previously worked for Bank of America and Merrill for 12 years before joining Charles Schwab in 2026. Outside of his advisory role, he is a general partner and managing member of Balady Brothers LLC, a food event pop-up and catering business. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth clients through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services, offering a combination of non-discretionary advice and access to discretionary separately managed accounts within a large, integrated operational structure.

Jessica Heberger is a financial advisor with RBC Capital Markets in Fresno, CA, holding a Series 66 designation and nine years of industry experience. She has worked at RBC Capital Markets since 2017 and previously spent one year each at Jube J. Najarian, A Professional Corporation, and Hinds Hospice. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base that includes individual investors, institutional clients, and charitable organizations. The firm offers tailored investment strategies through multiple advisory programs, combining discretionary and non-discretionary portfolio management with access to both in-house and third-party investment managers.

Stevan Horvath is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 50 years of industry experience. His prior roles include positions at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice grounded in modern portfolio theory. The firm’s advisory process is IPS-driven and includes a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Brooke Simmons is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and 27 years of industry experience. She has been with LPL Financial since 2010. Simmons also operates a consulting group under the name Theisen Dueker Financial Consulting Group. 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 investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing model portfolios, research, and various management options.

Thomas Weil is a financial advisor at Stifel with 40 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Stifel Nicolaus & Co. since 2015. Outside of his financial career, he is involved in the music industry as a band manager and bass player for the Wheelhouse Country Band and owns an entertainment equipment business called Wheelhouse Sound & Light. Stifel serves a wide range of clients, including individuals, institutional investors, and municipal entities, offering brokerage and investment advisory services supported by proprietary investment analysis and asset allocation methodologies.

Melaney Friesen is a Senior Financial Advisor with Merrill Lynch Wealth Management. She specializes in areas including college education planning, family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, women and wealth, and retirement income. Melaney's focus is on building worry-free retirement plans tailored to her clients' needs. She holds a Personal Investment Advisor (PIA) designation and earned a bachelor's degree from the California State University System. Outside of her professional work, Melaney is actively involved in the community through "Our Community Cares." Her personal interests include antiquing, camping, gardening, genealogy, hiking, photography, reading, watching movies, woodworking, and writing. She also enjoys remodeling houses for low to middle income families.

Michael Harris is a CFP® professional with 23 years of industry experience, currently serving at Wells Fargo Clearing since 2016. He previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, Harris serves as secretary for the Timber Ridge Architectural Control Committee in Shaver Lake, CA. 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 IPS-driven approach incorporates modern portfolio theory and includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Mark Otta is a financial advisor with RBC Capital Markets in Fresno, CA, holding Series 63 and Series 65 designations and bringing 30 years of industry experience. He has worked at RBC Capital Markets LLC since 2008 and previously at City National Bank from 2017 to 2021. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, and charitable organizations. The firm provides a variety of advisory programs that offer portfolio management, financial planning, and brokerage services, using tailored investment strategies implemented through both in-house and third-party managers.

Lisa Purtell is a financial advisor with Morgan Stanley in Fresno, CA, holding Series 63 and Series 65 credentials and 32 years of experience. She has worked at Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and investment modeling techniques. The firm manages approximately $2.74 trillion in client assets and delivers services both directly and through corporate financial planning agreements.

Robert Lopez is a financial advisor with Wells Fargo Clearing in Gilroy, CA, holding Series 63 and Series 66 licenses and six years of industry experience. He has been with Wells Fargo Clearing since 2019 and has also worked at Wells Fargo Bank, N.A. since 2013. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions. The firm’s approach is IPS-driven and incorporates modern portfolio theory, with a broader investment menu that includes insurance-related products and bank deposit sweep options.

Michael Raymer is a financial advisor with Ameriprise in Fresno, CA, holding a Series 66 designation and having 10 years of industry experience. He has been with Ameriprise and its affiliated entities since 2015. Raymer also holds a real estate license. Ameriprise offers a retirement-income planning service designed for individuals nearing or in retirement with substantial investable assets, providing detailed recommendation reports that incorporate income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research and modeling with a focus on Ameriprise-managed accounts and delivers advisory, brokerage, and insurance solutions through affiliated companies.

Dave Scalzo is a financial advisor with Morgan Stanley in Fresno, CA, holding a Series 66 designation and 19 years of industry experience. He has worked with Morgan Stanley Private Bank since 2015, and with Morgan Stanley Smith Barney since 2009. Prior to that, he was affiliated with Citigroup Global Markets starting in 2006. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering advisory programs to both individual and institutional clients, including tailored financial planning and estate planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process that incorporates firm-approved tools and methodologies.

Gregory Baxter is a financial advisor at LPL Financial with 39 years of industry experience. He holds a Series 63 designation and previously worked at UBS Financial Services for 12 years before joining LPL Financial in 2018. 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 investment adviser representatives. The firm offers a range of advisory programs and financial planning services, utilizing model portfolios, third-party subadvisors, and various technologies to support discretionary and non-discretionary management.

Gregory Geis is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 35 years of industry experience. His career includes roles at Cetera Advisors LLC, First Allied Advisory Services, and Raymond James Financial Services Advisors Inc. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, utilizing model portfolios, third-party subadvisors, and various investment strategies.

Jose Limones is a financial advisor with Wells Fargo Clearing in Watsonville, 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 NA since 2011. Outside of his advisory role, he owns a private company called TBD Corp. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services such as investment policy preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with an investment menu that includes insurance-related vehicles and bank deposit sweep options.

Raymond Medrano is a financial professional at Cetera with one year of industry experience and holds the Series 66 designation. He has worked at several firms including Avantax and Life Mark Wealth, and has extensive experience in accounting and business valuation. Outside of finance, he is involved in pastoral ministry and mentors local university students interested in accounting, as well as being a pizza influencer on social media. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform featuring discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers, managing over $256 billion in assets through a network of more than 10,000 advisors.

Richard Edwards is a financial advisor with Wells Fargo Clearing, holding a Series 63 designation and bringing 42 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at WELLS FARGO Advisors from 2012 to 2016. 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 advisory solutions. The firm’s process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

Sean Tomajan is a CFP®-certified financial advisor with 11 years of industry experience, currently associated with LPL Financial. His prior experience includes roles at Founders Financial Securities, Fort Washington Financial, Kestra Financial, and Voya Financial Advisors. He is also involved with Muhareb Wealth Management, a business related to his LPL activities. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving a diverse client base including individuals, retirement plans, banks, and corporations. The firm offers a range of financial planning and advisory programs, leveraging model portfolios, third-party research, and technology-driven investment strategies.

Tulio Martinez is a financial advisor at Merrill with a Series 66 credential and two years of industry experience. He has been with Merrill since 2016 and previously worked at Bank of America. 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 a range of clients, including individuals, high-net-worth clients, and institutional entities.

John Caviglia is a financial advisor with OSAIC, holding Series 63 and Series 65 credentials and bringing 34 years of industry experience. He worked at Securities America Advisors, Inc. from 2000 to 2024 before joining OSAIC. His other business activities include insurance sales and investment advisory services through Caviglia Financial. OSAIC serves a broad range of retail and institutional clients and offers integrated brokerage and investment advisory services, utilizing firm-provided tools and multiple advisory platforms to manage accounts across various asset classes.