Lance Backowski is a financial advisor at LPL Financial with 24 years of industry experience. He holds a Series 66 designation and has held positions at various Morgan Stanley entities from 2002 to 2021 before joining LPL Financial in 2021. 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, model portfolios, third-party asset management, and institutional platforms.

Timothy Burkhart is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 28 years of industry experience. His prior roles include positions at Wells Fargo Clearing, WELLS FARGO Advisors, Morgan Stanley, and Citigroup Global Markets. Outside of his advisory work, he is identified as a business owner of Green Curative, Inc. 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, model portfolio programs, and institutional platforms, with over 22,800 advisors managing more than $819 billion in discretionary assets.

Nicole Otta is a financial advisor at RBC Capital Markets with one year of industry experience. She holds a Series 66 designation and previously worked at Betts Recruiting and VincentBenjamin (now The Intersect Group). RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutional clients, and charitable organizations. The firm offers various wrap fee advisory programs with discretionary and non-discretionary portfolio management tailored to clients’ Advisory Risk Profiles and utilizes both in-house and third-party investment managers.

Richard Quan is a financial advisor with MassMutual Investors Services based in Fresno, CA, holding CFP®, Series 63, and Series 65 designations with 39 years of industry experience. He has worked at MassMutual Investors Services since 2017 and previously at MetLife Securities Inc. from 2015 to 2017. Outside of advising, Mr. Quan is an independent insurance agent and has been involved in insurance sales since 1986. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, using firm-approved software tools to deliver written recommendations within collaborative, annual planning engagements.

Joseph Avery is a financial advisor with LPL Financial in Fresno, CA. He holds Series 63 and Series 65 licenses and has two years of industry experience. Prior to joining LPL Financial, he was self-employed as an independent contractor and worked for over a decade as a high school teacher with the Clovis Unified School District. Outside of his advisory work, Avery is active as an artist and musician. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, and institutions. The firm offers a range of financial planning and investment services through a large network of advisors who utilize model portfolios, third-party subadvisors, and customized strategies.

Tyler Hirschkorn is a financial advisor with Thrivent Investment Management in Fresno, CA. He holds Series 63 and Series 65 designations and has 11 years of industry experience. He has been with Thrivent since 2014, including a role at THRIVENT Financial starting in 2015. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of Financial Advisors. The firm offers holistic, goal-based planning without discretionary trading authority and allows clients to combine planning with managed-account services under a consolidated billing arrangement.

Thomas Morgan is a financial advisor with LPL Financial based in Fresno, CA, holding Series 63, 65, and 66 credentials and bringing 24 years of industry experience. Prior to joining LPL Financial in 2012, he worked at Edward Jones for three years. In addition to his advisory role, Morgan coaches high school basketball at Clovis East High School. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives and advanced operational tools.

Kyle Talamantez is a financial advisor at Ameriprise with six years of industry experience. He holds the Series 66 designation and previously worked in education with the Clovis Unified School District and Valley Oak Elementary. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service focused on retirement income planning, including written Recommendation Reports and ongoing advice based on research, third-party data, and algorithmic tools.

Mary Pigott is a financial advisor with Cetera, holding a Series 63 designation and over 38 years of industry experience. She has worked with Pacific Mutual since 1984 and has been affiliated with Cetera and its related entities since 2013. Pigott is co-owner of Pigott Financial & Insurance Services and Pigott Financial Corp, where she manages group insurance business and oversees operational expenses. Cetera Investment Advisers LLC serves individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts through a multi-manager platform that offers discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers. The firm supports a broad network of over 10,000 advisors and manages more than $256 billion in assets.

Jerry Lawless is a Series 63 licensed financial advisor with 36 years of industry experience. He has worked at Raymond James Financial Services Advisors Inc. since 2017 and spent 21 years at Investment Centers of America, Inc. He is also involved in managing a support company, Central Valley Investment Services Inc., where he serves as broker and manager. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, institutions, and charitable organizations. The firm employs tailored, non-discretionary planning and consulting using risk profiling and analytical modeling and supports municipal and public finance work through a municipal advisor affiliation.

Mark Manchester is a financial advisor with Wells Fargo Clearing in Fresno, 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, N.A. since 2014. Outside of his advisory role, he assists in managing a rental property owned by his spouse. 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 incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Raphael Rojo is a financial advisor with Wells Fargo Clearing in Fresno, CA, holding Series 63 and Series 66 licenses and bringing 13 years of industry experience. He has worked at various Wells Fargo entities since 2010. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting, managing approximately $671 billion in assets across more than 14,000 financial advisors.

Luis Bravo Medina is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 credentials and seven years of industry experience. His career includes roles at J.P. Morgan Securities and JPMorgan Chase Bank prior to joining Wells Fargo. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and combines research from Wells Fargo Investment Institute with third-party data to support its investment approach.

Douglas Armey is a financial advisor with LPL Financial in Fresno, CA, holding a Series 63 designation and over 28 years of industry experience. He previously worked at A. G. Edwards & Sons, Inc. for six years before joining LPL Financial in 2007. Armey also operates a personal real estate investment business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by extensive technology tools and a large network of over 22,800 advisors.

David Baker is a financial advisor with Morgan Stanley in Fresno, CA, holding Series 63 and Series 65 credentials and bringing 27 years of industry experience. He has worked at Morgan Stanley since 2009, including a role at Morgan Stanley Private Bank, National Association, since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s advisory approach includes structured planning processes and a range of investment programs, supported by resources such as the Global Investment Committee’s Secular Return Estimates and Monte Carlo simulations.

Seth Wilson is a CFP® credentialed financial advisor with 12 years of industry experience, currently with Osaic Wealth, Inc. since 2024. He previously worked at Securities America Advisors and SECURITIES AMERICA, inc. for a combined total of 10 years and operates Incomemax Financial, an LLC focused on insurance sales and service. He also advises clients on insurance products through affiliated carriers. Osaic Wealth serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and nonprofits. The firm provides integrated brokerage and advisory services, utilizing various asset-allocation tools and third-party platforms to manage portfolios across multiple investment types.

Marie Loyd is a financial advisor with LPL Financial in Fresno, CA, holding Series 63 and Series 66 credentials and 17 years of industry experience. She has been with LPL Financial since 2009, following a brief tenure at Associated Securities Corp. Additionally, she provides notary services in a home-based capacity. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Taylor Franzman is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and eight years of industry experience. Prior to joining J.P. Morgan in 2019, Franzman worked at Merrill and Bank of America. Outside of finance, Franzman is an owner and partner of SheraChic LLC, a retail boutique specializing in handmade jewelry and accessories. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

Gary Egorov is a financial advisor with Equitable Advisors in Fresno, CA, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been with Equitable Advisors since 2000, following a 20-year tenure at AXA Advisors, LLC. Outside of his advisory work, he owns and operates GEM Enterprises, a business focused on buying and reselling antiques and collectibles, and serves as a trustee for an immediate family member's trust. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and a variety of asset-management programs delivered through a network of Investment Adviser Representatives and third-party asset managers.

Christopher Hokokian is a Senior Financial Advisor and Managing Director of the THD Wealth Management Group at Merrill Lynch Wealth Management. He holds the Certified Exit Planning Advisor® and Certified Plan Fiduciary Advisor® designations and serves as the team's Senior Portfolio Advisor. Christopher focuses on simplifying the wealth management and investment process to help relieve clients of daily financial burdens, believing that time is the most valuable asset and striving to provide clients with an opportunity for financial freedom. Christopher's expertise includes guiding private business owners through company and real estate sales, preparing clients for life transitions, and addressing issues such as inheritance, divorce, and wealth transfer. Known as the "advisor to the family," he undertakes detailed analyses to develop strategies aligned with family goals, covering investment assessments, cash flow planning, tax minimization, and intergenerational wealth transfer. He also incorporates behavioral coaching to assist families in sustaining their wealth across generations. His work has been recognized through inclusion in Forbes' "Top Next-Gen Wealth Advisors Best in State" list from 2022 to 2025. Christopher earned a Bachelor's degree in Business Administration with a focus on Finance from San Diego State University, where he was a Division 1 football player, lettered all four years, earned the Scholar-Athlete Award four times, made the Dean's List, and was part of a Mountain West Conference Championship team. Raised in Central Valley Fresno, California, he divides his time between West Los Angeles and San Diego. Outside of his professional career, Christopher is involved in philanthropic initiatives and has leadership roles in organizations such as the Armenian Artist Project and San Diego State Football. His memberships include the Financial Planning Association, Armenian Professionals of Orange County, and others. He enjoys football, golfing, music, running, spending time with family, and traveling.