David Mraz is a financial advisor with Mraz and Associates in Modesto, CA, holding Series 63 and Series 65 designations and bringing 28 years of industry experience. He has been with Mraz, Amrine & Associates since 2011, totaling 15 years at the firm. Mraz and Associates provides financial planning, consulting, and portfolio management to individuals—including high-net-worth clients—as well as retirement plans, trusts, estates, charitable organizations, and business entities. The firm employs a value-oriented investment approach combining fundamental, technical, and cyclical analysis, managing approximately $917.5 million on a discretionary basis across a five-advisor team.

Christopher Frizzi is a CFP® with 31 years of industry experience and is a member of the 13-advisor team at KCPAG Financial Advisors LLC. He has been with KCPAG and its affiliated entities, including Kemper Capital Management LLC and KCPAG Insurance Services LLC, since 2009. Outside of his advisory work, he is a part-owner of a single-family rental property. KCPAG Financial Advisors LLC provides financial planning, portfolio management, and retirement plan consulting for individuals, plans, trusts, estates, and businesses. The firm offers tailored asset management using fundamental analysis alongside long- and short-term strategies, serving approximately 405 clients across 27 offices.

David Derby is a CFP®, ChFC®, and Series 63-licensed advisor with 38 years of industry experience. He has been associated with American Investors Company since 1991 and operates an insurance and financial services business separately. American Investors Company provides investment advisory and financial planning services to individuals, retirement plans, trusts, charitable organizations, and corporations, offering a range of management and consultation options while operating both as a registered broker-dealer and SEC-registered adviser.

Angela Gomez Guerrero is a financial advisor at Mraz and Associates with one year of industry experience. She holds a Series 65 designation and has work experience across multiple sectors, including higher education and retail. Mraz and Associates serves individuals, retirement plans, trusts, estates, charitable organizations, and business entities, managing approximately $917.5 million on a discretionary basis. The firm employs a disciplined, value-oriented investment process and provides fiduciary services, focusing on diversified portfolios and ongoing client review.

Michael Abram is a CFA® charterholder and holds a Series 65 license with 10 years of industry experience. He has been with Integral Investment Advisors, Inc. since 2015 and briefly attended California State University, Stanislaus in 2016. Beginning in December 2024, he will serve as the Treasurer for the City of Turlock, managing the city’s fixed income investment portfolio. Integral Wealth Management provides discretionary investment management, financial planning, and retirement plan consulting to individuals, charitable organizations, and employer-sponsored plans. The firm focuses on asset-allocation-based portfolio construction with a total-return orientation and employs a tactical sector tilt, using a variety of instruments including options and digital-asset strategies.

Mallory Sise is a CFP® and Series 65-registered advisor with Integral Wealth Management, bringing four years of industry experience. She has worked at Integral Investment Advisors, Inc. since 2022 and has prior experience with Crosspoint Church and California State University, Stanislaus. Integral Wealth Management is a SEC-registered advisory firm serving individuals, charitable organizations, and employer retirement plans. The firm manages approximately $673.9 million in assets, utilizing a customized, asset-allocation driven approach focused on capital preservation and after-tax total return, incorporating both fundamental and technical research.

Alan Crosby is a CFP®-certified financial advisor with 15 years of industry experience. He is currently with Southland Equity Partners, LLC and previously worked at Osaic Wealth, Inc. and FSC Securities. Outside of his advisory role, he is a member of Brave Cycling Company LLC, which designs and sells premium cycling apparel and accessories. Southland Equity Partners advises individuals, pension and profit-sharing plans, and businesses, offering financial planning, direct asset management, and retirement plan consulting. The firm uses a combination of fundamental and technical analysis to create customized, mainly discretionary portfolios.

Brooke Gaither is a CFP® professional with 10 years of industry experience, currently serving at Integral Wealth Management. Her prior experience includes roles at Charles Schwab and Charles Schwab Bank, where she worked for eight years, as well as a year at LPL Financial. Integral Wealth Management is a SEC-registered advisory firm that manages approximately $673.9 million in assets for individuals, charitable organizations, and employer retirement plans. The firm employs a customized, asset-allocation driven investment approach focused on capital preservation, after-tax total return, and tactical sector allocation.

Benjamin Johnson is a financial advisor at Mraz and Associates with 11 years of industry experience. He holds a Series 65 designation and has been with Mraz, Amerine & Associates, Inc. since 2014. Mraz and Associates offers financial planning, consulting, and portfolio management services to individuals, retirement plans, trusts, estates, charitable organizations, and businesses. The firm employs a disciplined, value-oriented investment process and manages approximately $917.5 million on a discretionary basis through a five-advisor team.

Jodi Karambela is a CFP® professional with 23 years of industry experience, currently serving at Integral Wealth Management since 2008. She holds Series 63 and Series 66 licenses and is based in Turlock, CA. Integral Wealth Management provides discretionary investment management, financial planning, and retirement plan consulting to individuals, charitable organizations, and employer-sponsored plans. The firm emphasizes asset-allocation-based portfolio construction with tactical sector tilts and employs a range of instruments including options and digital-asset strategies.

Dezaree Seeds is a Certified Financial Planner (CFP®) with 13 years of industry experience. She has worked at Sierra Ocean, LLC since 2021 and previously held roles at Goldman Sachs Personal Financial Management and United Capital Financial Advisers, LLC. Sierra Ocean, LLC serves individuals, trusts, estates, non-profit organizations, and business entities by providing discretionary and non-discretionary investment management as well as financial planning and consulting. The firm customizes asset allocations using a range of investment vehicles and offers ongoing portfolio monitoring and access to third-party platforms and independent managers.

Gregory Crosby is a CFP®-designated financial advisor at Southland Equity Partners, LLC with 40 years of industry experience. He previously worked at FSC Securities Corporation for 36 years before joining Southland Equity Partners in 2018. Outside of his advisory role, he owns Crosby Capital Advisors, LLC, a limited liability company unrelated to investment activities. Southland Equity Partners serves individuals, pension and profit-sharing plans, and businesses by providing financial planning, direct asset management, and retirement plan consulting. The firm employs fundamental and technical analysis to create customized portfolios across discretionary and non-discretionary mandates.

Deidre Mraz is a financial advisor at Mraz and Associates in Modesto, CA, with 19 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Mraz, Amrine & Associates since 2011 and Concert Wealth Management, Inc. since 2008. Mraz and Associates offers financial planning, consulting, and portfolio management services to individuals, retirement plans, trusts, estates, charitable organizations, and business entities. The firm manages approximately $917.5 million on a discretionary basis through a disciplined, value-oriented investment process and serves clients using a five-advisor team.

David Epps is a CFP® with 28 years of industry experience. He currently works at Integral Wealth Management and previously spent over two decades at Charles Schwab and Charles Schwab Bank. Integral Wealth Management offers discretionary investment management, financial planning, and retirement plan consulting to individuals, charitable organizations, and employer-sponsored plans. The firm employs an asset-allocation-based approach with a tactical sector tilt and utilizes a variety of investment instruments, including options and digital-asset strategies, while providing regular account reviews and client meetings.

Mayra Meza is a financial advisor at Sierra Ocean, LLC with a Series 65 designation and four years of industry experience. Prior to joining Sierra Ocean, she held positions at The Save Mart Companies, California State University, Stanislaus, Modesto Junior College, and OpenDoor Services. Sierra Ocean, LLC serves individuals, trusts, estates, non-profit organizations, and business entities by providing discretionary and non-discretionary investment management, financial planning, and consulting. The firm customizes asset allocations using mutual funds, ETFs, individual equities, fixed income, and selectively employs interval and private investment funds.

Patrick Lettice is a financial advisor with Wedbush Securities Inc. in Modesto, CA, holding a Series 63 designation and 42 years of industry experience. He has been with Wedbush Securities since 2013 and also maintains a long-term affiliation with Vulcan Securities LLC since 2002. Wedbush Securities provides both investment advisory and broker-dealer services to individual, high-net-worth, and institutional clients. The firm offers a wide range of services including wealth management, fixed income, commodities, and securities lending, utilizing both discretionary and non-discretionary portfolio management strategies.

Todd Steck is a financial advisor at Verity Asset Management with one year of industry experience. He holds a Series 65 credential and has prior experience with Teacher's Pension and Insurance Services and 1st Light Energy. Outside of advisory work, Steck is involved in solar marketing through Public Solar, LLC, and operates an insurance agency, Steck Insurance Services. Verity Asset Management is an SEC-registered firm providing discretionary portfolio management, model portfolios, retirement-plan advisory, and financial planning to individuals, corporate and institutional clients, and other investment advisers. The firm employs a model-driven investment process with tactical asset allocation across diverse asset classes and offers both internally managed and third-party models.

Eric Anderson is a financial advisor with Verity Asset Management, holding a Series 65 credential and eight years of industry experience. He has been with Verity Asset Management since 2018 and also operates Teacher's Pension and Insurance Services, an insurance agency in Oakdale, CA. Verity Asset Management is an SEC-registered, multi-team advisory firm managing approximately $1.15 billion and serving a broad client base including individuals, retirement plan sponsors, institutional clients, and other advisers. The firm emphasizes a model-based investment approach with tactical asset allocation and acts as a manager-of-managers when selecting third-party models for client platforms.

Robert Powell is a CFP® with 15 years of industry experience, currently serving as an advisor at Ascentis Independent Advisors, LLC. His prior roles include positions at Raymond James Financial Services Advisors, Inc. and Concurrent Advisors. Powell is also CEO of Hebrews 135, LLC, a business support company. Ascentis Independent Advisors is a multi-team SEC-registered firm serving individuals, trusts, retirement plans, and corporate clients. The firm provides comprehensive portfolio management and financial planning, utilizing a mix of public and private securities with ongoing monitoring and rebalancing.

Dustin Roberts is a financial advisor at Savvy with 13 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at U.S. Bancorp Investments, U.S. Bank, and BBVA-affiliated firms. He serves as a board member of ACT Advancing Children of Turlock, a nonprofit organization. Savvy provides customized discretionary and non-discretionary investment and wealth management services to individuals, trusts, estates, retirement plans, charitable organizations, and corporations. The firm combines an index-based core with tailored strategies such as direct indexing with tax-loss harvesting, active and passive stock portfolios, and ESG-focused models, supported by a parent technology platform and third-party tools.