Juliana Lanier is a financial advisor with Transamerica Financial Advisors, holding a Series 66 designation and 16 years of industry experience. She has been with Transamerica Financial Advisors since 2013 and also serves as president and broker of record for Realta Corporation, a real estate brokerage. Transamerica Financial Advisors provides investment advisory, brokerage, and retirement-plan services to a diverse client base, utilizing model portfolios and third-party managers through multiple program platforms. The firm serves individual investors, employer-sponsored retirement plans, trusts, estates, charitable organizations, and businesses.

Dale Immekus is a financial advisor with Independent Financial Group, LLC in Lodi, CA, holding Series 63 and Series 66 designations and 18 years of industry experience. He previously worked at Creative Financial Designs, Inc and CFD Investments, Inc. Outside of his advisory role, he owns and operates Dedicated Financial & Insurance Services, which offers securities, advisory, and insurance services. Independent Financial Group, LLC is a dual-registered broker-dealer and SEC-registered investment adviser that provides brokerage, portfolio management, financial planning, and retirement plan services to individuals, charities, corporations, and plan sponsors. The firm manages approximately $11.3 billion in regulatory assets and offers a range of advisory programs through its AccessPoint platform and third-party asset managers.

Edward Santos is a financial advisor with PlanMember Securities Corporation who holds a Series 63 designation and has 20 years of industry experience. He has worked with Northern California Planners and PlanMember Securities Corporation since 2006. PlanMember provides retirement-plan advisory services to employers and plan participants, acting as an ERISA Section 3(38) fiduciary for many plans and offering participant-level investment options through its PlanMember Asset Allocation Portfolios. The firm’s investment approach is based on a top-down strategic asset allocation framework with risk-based mutual fund portfolios ranging from conservative to aggressive.

Michele Valdez is a financial advisor at Principal Financial Services with four years of industry experience. She holds Series 65 and Series 63 licenses and has previous experience at LPL Financial and Silicon Valley Benefits, Inc. In addition to her advisory role, Michele serves as a bookkeeper for a construction business and assists in offering employee benefits such as medical, dental, and Medicare supplement plans. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and charitable organizations. The firm offers financial planning, retirement plan consulting, and access to third-party money manager asset allocation and separately managed account solutions.

Jeff Berg is a financial advisor with Eagle Strategies (New York Life) based in Stockton, California. He holds a Series 66 designation and has 25 years of industry experience. Berg has worked with Eagle Strategies since 2009 and has been associated with New York Life entities since 2006. Outside of advising, he is involved in insurance brokering for non-registered insurance products. Eagle Strategies serves a diverse client base including individual investors, institutional clients, and retirement plans, offering financial planning, investment management, and retirement-plan advisory services. The firm emphasizes tailored recommendations and delivers advice through multiple program types, operating primarily on a non-discretionary asset management basis within an integrated New York Life affiliate structure.

Richard Cutler is a financial advisor with Transamerica Financial Advisors in Stockton, CA, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. His work history includes roles at Champion Health, Inc., WealthWave, American Gateway Mortgage & Realty, and World Financial Group, alongside his tenure at Transamerica Financial Advisors. Outside of traditional advisory work, he is involved in health insurance supplement sales and mortgage loan origination. Transamerica Financial Advisors serves a diverse client base including individual investors, retirement plans, trusts, and charitable organizations. The firm utilizes model portfolios and third-party managers for investment management and offers an integrated retirement plan ecosystem supported by multiple advisory platforms.

Eric Prusinski is a CFP® and holds a Series 66 license with six years of industry experience. He is currently affiliated with Commonwealth Financial Network and Your Dedicated Fiduciary, having previously worked at Brunette & Associates and Capital Group. Commonwealth Financial Network is a registered investment adviser that supports a national network of approximately 2,950 advisors and their clients by providing advisory programs, wealth management, retirement plan consulting, and a range of operational and compliance services. The firm offers advisors discretion to construct client portfolios from diverse securities and manages model portfolios through its Investment Management and Research team.

Richard Holmes is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 credentials and over 31 years of industry experience. He has been with Transamerica Financial Advisors since 2012 and has held roles at several other firms, including American Pacific Mortgage Corporation and WealthWave. Holmes is involved in several business ventures outside traditional advisory work, such as estate planning education with InheritGuard, LLC, and college loan reduction services through College Loan Freedom. Transamerica Financial Advisors serves a diverse client base that includes individual investors, pension plans, trusts, and corporations. The firm provides a combination of advisory and broker-dealer services, offering proprietary and third-party model portfolios with discretionary and non-discretionary program options.

David Benavides is a financial advisor at PNC Wealth Management with seven years of industry experience. He holds a Series 66 designation and has previously worked at Bank of America, Merrill, Lowes, and Mutual of Omaha. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an invitation-only digital portfolio solution that uses algorithmic risk assessment and third-party strategists to manage investments primarily via mutual funds and ETFs.

Albert Paula is a financial advisor with Eagle Strategies (NY Life) based in Lodi, CA, holding Series 63 and Series 66 designations and 21 years of industry experience. He has worked with Eagle Strategies since 2012 and operates Parkwest Financial & Insurance Solutions, focusing on brokering insurance products. Eagle Strategies serves a wide range of individual and institutional clients, providing financial planning, investment management, and retirement-plan advisory services. The firm manages a majority of its assets on a non-discretionary basis and offers customized advice across multiple program types within an integrated New York Life affiliate structure.

Max Paulsen is a financial advisor with Eagle Strategies (New York Life) based in Stockton, California. He holds Series 63 and Series 65 licenses and has four years of industry experience. Paulsen has worked at Eagle Strategies since 2025 and is also associated with Richard R. Paulsen Insurance Services. He founded the Good Guys Open Golf Tournament, an event aimed at community engagement through golf. Eagle Strategies serves a diverse client base including individual investors, defined contribution and benefit plans, and charitable and corporate clients. The firm offers financial planning, investment management, and retirement-plan advisory services with an emphasis on tailored solutions, managing the majority of its assets on a non-discretionary basis.

Amit Prasad is a financial advisor with PNC Wealth Management, holding Series 63 and Series 65 licenses and bringing 15 years of industry experience. His previous roles include positions at BBVA Securities, BBVA Compass Insurance Agency, and Compass Bank, where he worked for over a decade combined. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including a digital discretionary model account available via an employee-only pilot. The firm utilizes algorithm-driven risk assessments and delegates portfolio implementation to third-party strategists.

Charles Immekus is a financial advisor with Independent Financial Group, LLC, holding the ChFC® designation and Series 66 license. He has six years of industry experience and previously worked at California State University East Bay. Outside of his advisory role, he serves as an officer and director for Veterans of Oakley and is the vice president of a local Business Networking International chapter. Independent Financial Group, LLC is a dual-registered broker-dealer and SEC-registered investment adviser that provides brokerage, portfolio management, financial planning, and retirement plan services to individuals, charities, corporations, and plan sponsors. The firm offers advisory programs through its AccessPoint platform and third-party asset managers, serving a diverse client base with both discretionary and non-discretionary account management options.

John Maroulis is a ChFC® credentialed financial advisor with 27 years of industry experience, currently associated with Eagle Strategies (NY Life). He has worked with New York Life Insurance Co and NYLife Securities LLC since 2009 and operates his own firm, Blu Mati, Financial and Insurance Solutions, INC. Maroulis serves as a board member for a local condominium association. Eagle Strategies provides financial planning, investment management, and retirement-plan advisory services to a diverse client base, including individual investors and institutional sponsors. The firm emphasizes tailored advice delivered through multiple program types and manages the majority of its assets on a non-discretionary basis within an integrated New York Life affiliate structure.

David Barse is a financial advisor with Commonwealth Financial Network, holding a Series 66 designation and bringing 16 years of industry experience. He has been with Commonwealth since 2015. Barse is also the owner of Your Dedicated Fiduciary, LLC, a private entity that facilitates securities, advisory, and insurance business. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their clients. The firm provides a range of advisory programs and back-office support, including investment management, trading, compliance, and practice-management services.

Debora Kenyon is a financial advisor with Morgan Stanley in Stockton, CA, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and emphasizes a structured planning process using firm-approved tools and modeling techniques.

Brendan Cornies is a Financial Advisor at Merrill Lynch Wealth Management, providing clients with access to a range of investment resources and banking services through Bank of America. Since beginning his career in the financial services industry in 2018 and joining Merrill in 2019, he has focused on supporting clients with various aspects of their financial lives. His areas of expertise include college education planning, managing new wealth, personal retirement planning, portfolio management services, and retirement income. Brendan holds a bachelor's degree in business from Saint Francis College and a master's degree in general business from Brooklyn College. He also holds the Professional Investment Advisor (PIA) designation. Outside of his professional work, Brendan enjoys spending time with his family, engaging in sports such as football, golf, ice hockey, and soccer, and listening to music. He approaches financial planning collaboratively to create personalized strategies aimed at helping clients pursue their financial goals.

Erica Taylor is a financial advisor at Merrill with a Series 66 license and three years of industry experience. Her prior work includes roles at Wells Fargo Bank and Uber Technologies. Merrill, along 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, pension plans, corporations, and charitable organizations.

Barbara Moore is a financial advisor with Ameriprise in Stockton, CA, holding a Series 63 license and with 34 years of industry experience. She has worked with Ameriprise Financial Service, LLC since 1992 and Ameriprise Financial Services, Inc. from 2005 to 2020. Outside of advising, she serves as Treasurer of the San Joaquin Zoological Society and is a Director and Secretary on the Board of Directors for Rialto Bridge Office Park. Ameriprise offers retirement-income planning services focused on clients approaching or in retirement, typically with substantial investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Pavinderjit Kooner is a Financial Advisor with Merrill Lynch Wealth Management. In this role, he focuses on developing personalized wealth management strategies tailored to clients’ unique financial situations and goals. He works closely with clients to understand their short-, mid-, and long-term objectives, providing guidance in areas such as retirement planning, college education funding, family wealth management, legacy planning, tax minimization, and small business strategies. Pavinderjit also facilitates access to the investment insights of Merrill Lynch and the banking, lending, and financing solutions of Bank of America. With expertise as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA), Pavinderjit supports clients through all stages of wealth management, addressing concerns related to investing, retirement income, and employee financial health. His approach centers on uncovering what matters most to clients and creating flexible strategies to help them pursue their financial goals amid evolving market conditions. Pavinderjit holds a Bachelor’s Degree from San Francisco State University. Outside of his professional work, he has personal interests in cooking, football, music, and traveling.