Maria Brouwer is a financial advisor at Morgan Stanley with 15 years of industry experience. She holds a Series 66 designation and has worked with Morgan Stanley and its Private Bank since 2013. In addition to her financial career, she has been involved with Kalamazoo High School since 2003. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs and financial planning services supported by structured processes and advanced modeling tools.

Luis Ballesteros is a financial advisor at Merrill with 12 years at the firm and 5 years of industry experience. He holds a Series 66 designation. Outside of his advisory role, he is the sole owner of a rental property in Fresno, California. 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 investment strategies for individuals, high-net-worth clients, and institutional investors.

Victor Gonzales is a financial advisor with Wells Fargo Clearing in Bakersfield, CA, holding Series 63 and Series 66 licenses and bringing eight years of industry experience. He has been with Wells Fargo Clearing Services LLC since 2017 and has worked at Wells Fargo Bank NA since 2014. 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 advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment menu.

Jared Miller is a financial advisor at Ameriprise in Fresno, CA, holding a Series 66 designation with one year of industry experience. He has been involved with Jared Miller Training since 2011. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement who meet specific asset thresholds, offering detailed recommendation reports that incorporate income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis through a centralized consulting team and utilizes algorithmic tools to support its recommendations.

Joshua Mcsherry Ramos is a financial advisor with LPL Financial, holding a Series 66 credential and six years of industry experience. His prior roles include positions at Morgan Stanley and business ventures in the food service industry. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing model portfolios, research, and both discretionary and non-discretionary management approaches.

Joshua Brown is a financial advisor with Edward Jones in Clovis, CA, holding the CFP® designation along with Series 65 and Series 66 licenses. He has seven years of industry experience, including prior roles at Morgan Stanley, Amazon, and Teacher's Pension & Insurance. Outside of his advisory work, he serves as president of Padrino's Guild, overseeing endowment pledges and financial administration. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory services, including discretionary and non-discretionary wrap fee strategies and separately managed accounts, supported by a nationwide network of more than 23,000 financial advisors.

Peter Vang is a financial advisor with LPL Financial in Fresno, CA, holding a Series 66 credential and nine years of industry experience. His prior experience includes roles at Merrill, Bank of America, Independent Financial Partners, and Integrated Financial Partners. Outside of his advisory work, he has business interests with PBLKB, Inc., a non-investment-related entity. 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 both discretionary and non-discretionary management along with various investment models and technology integrations.

Leonard Kirkorian is a financial advisor with Merrill, holding Series 63 and Series 65 designations and bringing 39 years of industry experience. He has worked at Merrill Lynch since 2006 and concurrently at Bank of America since 2009. 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.

Ronnie La Barbera is a financial advisor with Cetera, holding Series 66 and Series 63 licenses and bringing 35 years of industry experience. He is the founder and principal of R Squared Financial, LLC, providing financial planning and investment advice since 2011. Outside of advisory work, he is a partner in a family real estate partnership and manages an independent insurance agency specializing in commercial and personal lines. Cetera Investment Advisers LLC offers a multi-manager platform serving individual, retirement plan, corporate, charitable, and institutional clients with a range of portfolio management, financial planning, and retirement services. The firm supports over 10,000 advisors and employs various discretionary and non-discretionary program structures.

Sandy Brown is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and with 24 years of industry experience. Prior to joining LPL Financial, Sandy worked at Bank of America and Merrill for six years each, and was involved with New Covenant Community Church for seven years. Outside of advising, Sandy holds an administrative role at Eye Q Vision Care. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients nationwide. The firm provides a range of advisory programs, retirement plan consulting, and brokerage services supported by proprietary and third-party research.

Jack Stonhaus is a financial advisor with UBS Financial Services in Fresno, CA, holding a Series 63 designation and 43 years of industry experience. He has been with UBS since 2009. Outside of his advisory role, he serves as an advisor to the Fresno State Foundation, a nonprofit organization focused on scholarships and educational programs. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, utilizing proprietary research and model-based asset allocations to tailor financial plans.

Nathan Schiffer is a financial advisor with Wells Fargo Clearing in Stockton, CA, holding a Series 66 designation and 19 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC and Wells Fargo Bank. Outside of his advisory role, he owns and operates a sports card resale business in Woodbridge, CA. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and incorporates a range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Otto Cruz Jr. is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and six years of industry experience. He has been with Wells Fargo Clearing Services LLC since 2019 and has also worked at Wells Fargo Bank NA since 2016. 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 uses an IPS-driven approach based on modern portfolio theory and includes a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Charles Richardson is a financial advisor with Charles Schwab in Fresno, CA. He holds a Series 66 designation and has recently entered the industry, beginning his advisory career in 2026 after completing full-time education. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a client relationship model that combines primarily non-discretionary guidance with access to discretionary separately managed accounts, supported by multi-asset model portfolios and a distinctive operational structure.

Christopher Dodson is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 18 years of industry experience. He has worked with Wells Fargo Clearing since 2016 and previously with Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, he is involved in managing rental properties jointly owned with his spouse. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary solutions. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a broad range of investment options, such as insurance-related vehicles and bank deposit sweep programs.

Darren Nikbakhsh Tali is a financial professional at OSAIC with 13 years of industry experience. He holds the Series 66 designation and previously worked at Sagepoint Financial, Inc. and LPL Financial. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisers and platforms. The firm provides integrated brokerage and advisory services, utilizing asset-allocation tools, risk assessments, and automated rebalancing to manage portfolios across various asset classes.

Julie Gaykian Hamory is a financial advisor with Wells Fargo Clearing in Fresno, CA, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. She has been with Wells Fargo Clearing since 2016, following three years at Wells Fargo Advisors. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary solutions. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Bryan Griffith is a financial advisor with Cambridge Investment Research Advisors based in Fresno, CA. He holds Series 63 and Series 66 licenses and has 21 years of industry experience. Prior to joining Cambridge, he worked at Commonwealth Financial Network for 12 years and has been with Cornerstone Advisory Group since 2015, where he is also an owner. He is president and owner of Griffith Consulting Group, Inc. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension and profit-sharing plans, charitable organizations, and trusts by providing financial planning, investment management, and retirement plan advisory services. The firm offers a range of strategies through independent Financial Professionals, combining proprietary models and third-party managers with multiple custody and platform options.

Thomas Dias is a CFP®-designated financial advisor with 27 years of industry experience. He is currently with LPL Financial and has held previous roles at RBC Capital Markets Corporation, City National Bank, Waddell & Reed, Inc., and operated Dias Financial Group Inc. in Fresno, CA. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual clients, retirement plans, banks, corporations, and charitable organizations nationwide through a broad network of investment adviser representatives. The firm offers diversified advisory programs, financial planning, and retirement consulting, incorporating research, model portfolios, and various asset management strategies.

Daniel Aller is a financial advisor at Wells Fargo Advisors with 21 years of industry experience. He holds Series 63 and Series 65 licenses and has worked within the Wells Fargo organization since 2011. Outside of his advisory role, he owns and manages DJ Aller Holdings, LLC. Wells Fargo Advisors Financial Network provides investment and financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services and integrates advisory offerings with other financial product sales and referral channels.