Michael Budd is a CFP®-designated financial advisor with Wells Fargo Advisors, based in Fresno, CA, with 45 years of industry experience. He has been with Wells Fargo Advisors since 2016. Budd is also involved in investment-related business activities through ownership in two private firms, including Michael F. Budd Inc. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutions. The firm offers a broad range of financial planning services and integrates advisory solutions with banking and lending products.

Rene Mendoza is a financial advisor with Wells Fargo Clearing in Fresno, CA, holding Series 63 and Series 65 licenses and 13 years of industry experience. He has worked at various Wells Fargo entities since 2008, including Wells Fargo Advisors, LLC, and Wells Fargo Bank, N.A. Mendoza serves as an Area 2 Board Member for the Washington Colony Elementary School District. 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 services include investment policy statement preparation, performance reporting, participant education, and plan benchmarking, with notable inclusion of insurance-related vehicles and bank deposit sweep options in its investment menus.

Chia Lai is a financial advisor at Wells Fargo Advisors with 26 years of industry experience. She holds Series 63 and Series 65 credentials and has worked at various Wells Fargo entities since 2013. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of investment and financial planning services, utilizing proprietary research and planning tools to develop customized recommendations.

Glenn Ota is a financial advisor at Morgan Stanley with 46 years of industry experience. He holds a Series 63 designation and has worked at Morgan Stanley Private Bank since 2015, Morgan Stanley Smith Barney since 2009, and Citigroup Global Markets from 1993 to 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs and financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s financial planning process includes structured discovery conversations and firm-approved tools, although clients are responsible for implementing and maintaining their plans.

Noi Khamsone is a financial advisor with Charles Schwab in Fresno, CA, holding Series 63 and Series 66 licenses and with 22 years of industry experience. She has been with Charles Schwab and its affiliated entities since 2012. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm offers a combination of non-discretionary advisory guidance and access to discretionary separately managed accounts, supported by a large scale and integrated operational structure.

Matthew Medeiros is a financial advisor with Wells Fargo Advisors in Fresno, CA, holding a Series 66 designation and having 20 years of industry experience. His career includes roles within Wells Fargo entities since 2011. Outside of his advisory work, he co-owns a rental property in Shaver Lake, California, with his spouse. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing a broad range of investment and fee-based financial planning services, utilizing proprietary research and planning tools to develop tailored client recommendations.

Jon Engel is a financial advisor at Cambridge Investment Research Advisors with 12 years of industry experience. He holds the Series 66 designation and has worked at Cambridge since 2017, following prior roles at OneAmerica Securities and American United Life. Outside of his advisory work, Engel serves as a director on the board of the China Peak Volunteer Ski Patrol and volunteers as a ski patroller in Lakewood, CO. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, pension plans, charitable organizations, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement advisory services through a network of independent Financial Professionals using various portfolio management and model-based investment approaches.

Kimberly Gambero is a financial advisor at Morgan Stanley with seven years of industry experience. She has been with Morgan Stanley since 2016 and previously worked at DK Fresh and Contours, Inc. There are no notable outside activities listed. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning and extensive investment services.

Miguel Padilla Placencia is a financial advisor at Merrill with 13 years of experience at the firm. He holds a Series 66 designation and is based in Fresno, CA. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

Lance Dueker is a financial advisor at LPL Financial in Fresno, CA, with 30 years of industry experience. He has held his current position since 2003, following three years at Piper Sandler & Co. Outside his advisory work, he is involved in several business ventures including ownership interests in a restaurant and a limousine service, and he is a partner in the Thiesen Dueker Foundation. 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 and access to model portfolios and third-party asset management, supported by technology tools for operational and research purposes.

Jeffrey Garza is a CFP®-designated financial advisor with Wells Fargo Advisors, bringing 31 years of industry experience. He has previously worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC. Outside his advisory role, he owns and operates JP Garza Investment, Inc. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that serves individuals, trusts, and institutional clients with a broad range of investment and financial planning services tailored to clients meeting certain net-worth criteria.

Scott Young is a financial advisor with Morgan Stanley in Fresno, CA, holding Series 63 and Series 65 licenses and bringing 20 years of industry experience. He has been with Morgan Stanley and 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 through a wide range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by proprietary tools and analyses.

Michelle Standridge is a financial advisor with Merrill in Fresno, CA, holding Series 63 and Series 66 licenses and bringing 32 years of industry experience. She has been with Merrill since 1992. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to a range of clients including individuals, high-net-worth clients, and institutional investors. The firm employs model-based and discretionary strategies constructed by internal and third-party managers, supporting clients with trading, account administration, and custody services.

Marty Mitts is a financial advisor with Merrill, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. He has worked at Merrill since 1995 and has been with Bank of America, N.A. since 2011. 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 strategies managed by internal teams and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Ryan Delcarlo is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and totaling 10 years of industry experience. His work history includes roles at Cetera, LPL Financial, Principal Life Insurance Company, J.P. Morgan Chase, and his own business, Del Carlo Financial. He also operated Del Carlo Backyard Party Rentals, LLC from 2015 to 2018. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a range of discretionary and non-discretionary portfolio management and financial planning services, supported by a network of over 10,000 advisors and $256 billion in assets under management.

Prashant Patel is a financial advisor with Wells Fargo Clearing in Clovis, CA, holding Series 63 and Series 66 licenses and eight years of industry experience. His work history includes multiple roles within Wells Fargo and affiliated entities since 2013, as well as a position at Bank of the West. 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 services. The firm’s process is driven by investment policy statements and modern portfolio theory, with a broader range of financial products including insurance-related vehicles and bank deposit sweep options.

Miguel Lopez Jr. is a financial advisor with Wells Fargo Clearing in Fresno, CA, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has worked with Wells Fargo Advisors LLC and Wells Fargo Clearing since 2009. 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 and employing over 14,000 advisors.

Ian Perales is a financial advisor with J.P. Morgan Securities who holds the Series 63 and Series 66 designations and has 16 years of industry experience. He has worked at various J.P. Morgan entities since 2012, including JPMorgan Chase Bank, N.A. and J.P. Morgan Securities LLC. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Jose Rocha is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and six years of industry experience. He has been with Wells Fargo Clearing since 2020 and has worked at Wells Fargo Bank, N.A. since 2007. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions.

David Soltes is a CFP® professional with seven years of industry experience and currently serves as a financial advisor at Edward Jones in Clovis, CA. Prior to joining Edward Jones in 2019, he worked for three years at the Fresno County Public Defender. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of investment strategies and advisory services supported by a large nationwide network of financial advisors and branch offices.