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.

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.

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.

Sofia Leguria is a financial advisor at Integrity Advisory Solutions with a Series 65 designation. She joined the firm in 2026 and has previous experience in legal and academic roles, including positions at Leguria Law and Gonzaga University School of Law. Outside of finance, she has worked in various educational and community organizations. Integrity Advisory Solutions serves individuals, trusts, estates, corporations, and other business clients through a network of about 100 independent advisors. The firm manages approximately $1.1 billion in client assets and offers a range of services including portfolio management, financial planning, retirement consulting, and model portfolio programs.

Gregory Lebbert is a financial advisor at Infinity Financial Services Advisory with 40 years of industry experience. He holds a Series 63 designation and has been with Infinity Financial Services Advisory since 2020, following four years at Infinity Financial Services. Infinity Financial Services Advisory is a multi-advisor firm managing approximately $174 million for about 642 clients through a team of 35 advisors. The firm serves individual and high-net-worth clients using a multi-method investment approach that includes charting, cyclical, fundamental, quantitative, and technical analysis, along with modern portfolio theory, implementing strategies across mutual funds, ETFs, annuities, options, and other complex investments.

David Hubble is a financial advisor at Compound Planning, Inc. with 43 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Claraphi Advisory Network, LLC, B. Riley Wealth Advisors, Inc., and Brookstreet Securities Corporation. Compound Planning, Inc. serves individuals, high-net-worth families, businesses, retirement plans, and financial intermediaries through discretionary portfolio management, financial planning, and institutional advisory services. The firm utilizes a fiduciary approach with risk-based model allocations and offers both direct investment management and a turnkey asset management program featuring access to in-house and third-party investment models.

Valerie Hurst is a financial advisor at United Capital Financial Advisors with 26 years of industry experience. She holds Series 63 and Series 66 designations and has worked at firms including Goldman Sachs & Co LLC and CETERA Advisor Networks LLC. Hurst serves on the advisory board of the McHenry Mansion, a local historical landmark hosting weddings, public tours, and fundraising events. United Capital provides national financial planning and discretionary investment management for individual and high-net-worth clients, retirement plans, and institutional accounts. The firm supports customized investment solutions and operates a platform, FinLife Partners, that assists independent advisors with technology and practice management services.

Rodney Smith is a financial advisor with NWF Advisory Services Inc in Turlock, CA, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. His prior roles include positions at The Ameriflex Group, Osaic, Independent Financial Group, LPL Financial, and National Planning Corporation. Outside of his advisory work, he serves as an elder and board member at Calvary Chapel Turlock. NWF Advisory Services, Inc. provides portfolio management and financial planning primarily to individual and high-net-worth clients, along with retirement plan consulting and trust and estate services. The firm manages approximately $3.82 billion in assets and offers a range of investment programs through an open-architecture wealth management platform combining advisor-managed portfolios, third-party model portfolios, and SMA/UMA solutions.

Christopher Barber is a financial advisor with Mutual Advisors, LLC, holding Series 65 and 66 licenses and 19 years of industry experience. He has worked at several firms, including Incapital LLC, Griffin Capital Securities, and Merrill. Barber also operates as an independent insurance agent through Swain Financial Services, focusing on fixed life insurance sales. Mutual Advisors, LLC serves a diverse client base that includes individual investors, retirement plans, trusts, estates, and institutional clients. The firm manages portfolios using a combination of active and passive strategies tailored to client objectives and is notable for its scale of institutional work and use of various analytical approaches and third-party tools.

Ryan Bertrand is a financial advisor with MissionSquare Retirement in Modesto, CA, holding Series 63 and Series 65 licenses and bringing nine years of industry experience. His prior roles include positions at ICMA-RC Services, LLC and Wells Fargo Clearing. MissionSquare Retirement serves state and local government employers, their employees, and certain nonprofit entities by administering deferred compensation and qualified retirement plans with plan administration, recordkeeping, education, and Guided Pathways Advisory Services. The firm works with Morningstar Investment Management to develop personalized investment advice and model portfolios, supporting more than 40,000 participants with a multi-team advisory structure.

Andrew Wolf is a financial advisor at United Capital Financial Advisors with 13 years of industry experience. He holds the Series 66 designation and has worked previously at Goldman Sachs & Co LLC, CETERA Advisor Networks LLC, and Girard Securities Inc. United Capital provides national financial planning and discretionary investment management services to a broad range of clients, including individual and high-net-worth households, retirement plans, and corporate or institutional accounts. The firm’s investment teams develop client-specific financial plans and manage accounts on a discretionary basis, supporting customization options such as ESG and faith-based portfolios.

Gina Leguria is a financial advisor at Integrity Advisory Solutions with two years of industry experience. She holds a Series 65 designation and has worked previously at Brokers Financial and Yosemite Community College District. In addition to her advisory role, she is an attorney and president of her own law firm, The Law Firm of Gina Leguria, and serves as Vice President of the Stanislaus Estate Planning Council as well as a board member of United Cerebral Palsy of Stanislaus County. Integrity Advisory Solutions serves a wide range of clients, including individuals, high-net-worth clients, trusts, estates, corporations, and businesses, offering portfolio management, financial planning, retirement plan consulting, and sub-advisory services through a network of about 100 independent advisors managing approximately $1.1 billion in client assets.

Donna Fredrickson is a financial advisor with Wedbush Securities Inc. in Modesto, CA, holding Series 66 and Series 63 licenses and possessing 25 years of industry experience. She has worked with Wedbush Securities since 2015. Wedbush Securities provides investment advisory and broker-dealer services to individual, high-net-worth, and institutional clients, offering a range of solutions including wealth management, fixed income, commodities, and capital markets services. The firm supports tailored portfolio management strategies and administers SMA, MMA, UMA, and IMA offerings while conducting due diligence on third-party managers.

Jeroen Hoogeveen is a financial advisor at Transamerica Financial Advisors with 25 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Transamerica Financial Advisors since 2012. He also has a longstanding association with World Financial Group dating back to 2001. Outside of advisory services, he is involved in the sale of insurance products affiliated with Transamerica Financial Advisors. Transamerica Financial Advisors provides investment advisory, brokerage, and retirement-plan services to a diverse client base, including individuals, employer-sponsored plans, trusts, estates, charitable organizations, and businesses. The firm uses a model portfolio approach implemented through multiple program platforms and third-party managers, supported by an extensive advisor network.

Flora Burke is a financial advisor with Valic Financial Advisors in Modesto, CA, holding Series 63, 65, and 66 licenses and bringing 23 years of industry experience. Her prior roles include positions at Agia, E*TRADE Capital Management, Bank of America, Merrill, and Waddell & Reed. Outside of her advisory work, she is also an agent for non-securities insurance products with Agia. Valic Financial Advisors primarily serves U.S.-domiciled individual investors, including high-net-worth clients, as well as corporate and retirement-plan participants. The firm offers discretionary managed-account programs, financial planning, and brokerage services, utilizing Envestnet-developed UMA models and providing various overlay options to tailor client portfolios.

Jeffrey Cleek is a financial advisor with Valic Financial Advisors in Modesto, CA, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. He has worked at Valic Financial Advisors since 1997 and also serves as an assistant softball coach for the varsity team at Big Valley Christian High School. Additionally, he acts as an agent for non-securities insurance products through Agia. Valic Financial Advisors primarily serves U.S.-domiciled individual investors, including high-net-worth and ultra-high-net-worth clients, as well as corporate and retirement-plan participants. The firm offers discretionary managed-account programs, financial planning, consulting, and brokerage services, utilizing Envestnet-developed UMA models to construct client portfolios.

Andre Brown is a financial advisor at VALIC Financial Advisors with three years of industry experience. He holds Series 63, Series 65, and Series 66 designations. Prior to joining VALIC Financial Advisors, he worked at several firms including MML Investors Services, Northwestern Mutual, New York Life, and Morgan Brown Associates Inc. VALIC Financial Advisors, Inc. serves primarily U.S. individuals, including high net worth clients and employer-sponsored retirement participants. The firm offers portfolio management, financial planning, and managed account programs through a large network of advisors and utilizes centralized technology and model solutions to support its client base.

Craig Silcox is a financial advisor with Valic Financial Advisors in Modesto, CA, holding Series 63 and Series 66 licenses and bringing 29 years of industry experience. He has been with Valic Financial Advisors since 1996 and also serves as an agent for non-securities insurance products with Agia. Outside of his advisory role, Silcox is Treasurer and a trustee on the board of the Washington Hospital Foundation, where he chairs the Investment and Audit Committee. Valic Financial Advisors primarily serves U.S.-based individual investors, including high-net-worth and ultra-high-net-worth clients, as well as corporate and retirement-plan participants. The firm offers discretionary managed-account programs, wrap programs, financial planning, consulting, and brokerage services, utilizing Envestnet-developed UMA models for portfolio construction.

James Cabral is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has worked with multiple firms, including WealthWave and American Financial Network, and currently engages in estate planning support through Net Law Group, LLC. His other activities include roles in health insurance supplement sales with Champion Health, Inc. and group employee benefits life insurance with Senior Life Insurance Company. Transamerica Financial Advisors serves a wide client base, including individuals, retirement plans, trusts, and businesses, using a large advisor network and multiple program platforms. The firm’s investment approach relies primarily on model portfolios and third-party managers, with approximately $1.7 billion in regulatory assets under management.

Francisco Ortiz Zepeda is a financial advisor at Eagle Strategies (NY Life) with three years of industry experience. He holds Series 63 and Series 65 credentials. Prior to his current role, he worked in various capacities including positions at the San Joaquin County District Attorney's office, Humana, Constellation Brands, and E&J Gallo Winery. Eagle Strategies serves a broad mix of individual and institutional clients, providing financial planning, investment management, and retirement-plan advisory services through a large network of affiliated investment adviser representatives. The firm emphasizes tailored recommendations and manages a substantial portion of assets on a non-discretionary basis.