George Saljian is a financial advisor with Foundations Investment Advisors LLC, holding a Series 65 designation and one year of industry experience. Prior to joining Foundations, he worked at Way Financial and has been involved with Flory Construction, Inc. since 2012. He serves as a planning commissioner for the City of Ripon, reviewing projects related to planning and zoning. Foundations Investment Advisors, LLC provides financial planning and portfolio management to individual, high-net-worth clients, employer-sponsored retirement plans, and registered investment companies. The firm uses a combination of fundamental, technical, and cyclical analysis, employs model portfolios with an asymmetric rebalancing approach, and works with multiple sub-advisers and custodians.

Melvin Muela is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. He has a diverse work history including roles at Champion Health, Inc., Wash & Post Inc., and Blue Shield of California Life & Health Insurance Company. Outside of advisory work, Muela owns Gordito Burrito, Inc., a restaurant business in Sacramento, and is involved with Life Song of Stockton as a board member. Transamerica Financial Advisors serves a broad client base including individual investors, retirement plans, trusts, and businesses, delivering services through a large network of advisors and multiple program platforms. The firm’s advisory model primarily uses model portfolios and third-party managers, offering integrated retirement plan solutions and a range of affiliated investment and insurance products.

Adam Moskowitz is a financial advisor with Transamerica Financial Advisors in Stockton, CA, holding Series 63 and Series 65 licenses and possessing 19 years of industry experience. In addition to his advisory role, he serves as president of the Kiwanis Club of Stockton and is involved with several professional and community organizations, including the Silver Lake Chamber of Commerce and The Loudest Wavemakers, Inc. Transamerica Financial Advisors serves a diverse client base that includes individuals, high-net-worth clients, retirement plans, trusts, and charitable organizations. The firm offers both advisory and broker-dealer services, providing proprietary and third-party model portfolios with discretionary and non-discretionary program options.

Steve Ruiz is a financial advisor with PlanMember Securities Corporation, holding 37 years of industry experience. He has been involved with the Envoy Program since 2000 and has operated under his own name since 1985. Outside of his advisory role, Ruiz is an agent selling fixed annuities and life insurance through his own business, Ruiz & Associates. PlanMember Securities Corporation provides retirement-plan advisory services to employers and participants, acting as an ERISA Section 3(38) fiduciary for many plans. The firm uses a top-down strategic asset allocation approach and manages unitized, risk-based mutual-fund portfolios, offering education and support services including seminars and personalized retirement planning.

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.

Samuel Oceguera is a financial advisor with Primerica Advisors, holding a Series 66 designation and 18 years of industry experience. His prior work includes 17 years at MML Investors Services and Mass Mutual Life Insurance, followed by roles at Park Avenue Securities and Guardian Life Insurance Company. He serves on the State Council of Developmental Disabilities-Regional Advisory Committee. Park Avenue Securities LLC serves a diverse retail client base with brokerage and advisory services, offering proprietary and third-party investment programs and a range of financial planning and consulting solutions. The firm manages approximately $15 billion in regulatory assets and supports a variety of investment strategies through discretionary and non-discretionary accounts.

Jacob Holleman is a financial advisor with Foundations Investment Advisors LLC in Ripon, CA. He holds the Series 65 designation and has professional experience that includes positions at Way Financial and various security companies. Foundations Investment Advisors, LLC offers financial planning and portfolio management to a diverse client base, including individuals, high-net-worth clients, employer-sponsored retirement plans, and registered investment companies. The firm utilizes a combination of fundamental, technical, and cyclical analysis, employing model portfolios and an asymmetric rebalancing strategy, and provides services through a broad network of affiliated offices and representatives.

Joseph Laswell is a financial advisor with Foundations Investment Advisors LLC and holds a Series 65 license. He has nine years of industry experience, including roles at Way Financial and Insurance Services, Inc., Acumen Capital Group, and Abigail Life Insurance Services, Inc. He is also the CEO of Way Financial and Insurance Services, where he is involved in insurance sales. Foundations Investment Advisors, LLC provides financial planning and portfolio management to a diverse client base, including individuals, high-net-worth clients, employer-sponsored retirement plans, and registered investment companies. The firm employs a combination of fundamental, technical, and cyclical analysis, uses model portfolios with an asymmetric rebalancing approach, and offers services through a large network of affiliated offices.

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 with Principal Financial Services, holding Series 63 and Series 65 licenses and four years of industry experience. Prior to joining Principal Financial Services, she held roles at LPL Financial and Silicon Valley Benefits, Inc. She also provides bookkeeping services for a construction business. Principal Securities offers brokerage and registered investment advisory services to individual investors, retirement plans, trusts, estates, charitable organizations, corporations, and active-duty military personnel. The firm’s advisory services include 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 credentials and over 40 years of industry experience. He has held roles at several firms including World Financial Group, WealthWave, American Gateway Mortgage & Realty, and Champion Health, Inc. Outside of advisory services, he is involved in mortgage loan origination and health insurance supplement sales. Transamerica Financial Advisors serves a diverse client base including individual investors, high-net-worth clients, and institutional entities, offering a range of advisory and broker-dealer services such as fee-based wrap programs, model portfolios, and access to third-party money managers.

Chad Parilla is a financial advisor with TLG Advisors, Inc. He holds Series 63 and Series 65 licenses and has 19 years of industry experience. His prior work includes roles at ICMA Retirement Corporation, Lincoln Financial Advisors, and Simplicity Investments. TLG Advisors serves a diverse client base ranging from individuals to institutional investors, offering investment supervisory services, portfolio management, and fiduciary services for ERISA-qualified retirement plans. The firm’s investment approach emphasizes manager selection and monitoring, using fundamental analysis and Modern Portfolio Theory to build diversified portfolios, with many accounts managed through sub-advisors and program platforms.

Brian Ullrich is a financial advisor with Commonwealth Financial Network, holding the CFP® designation and Series 66 license. He has 26 years of industry experience, including prior roles at Principal Securities Inc. and co-ownership of Epiq Risk Management & Insurance Services and Alternative Insurance Solutions. Ullrich is involved in fixed insurance sales as part of his business activities. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 affiliated advisors and their clients. The firm offers a broad adviser-support platform with discretionary and nondiscretionary managed-account programs, access to third-party asset managers, retirement consulting, and custody services.

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.

Zeid Muhammad is a financial advisor with Foundations Investment Advisors LLC and holds a Series 65 designation. He has been with Foundations since 2025 and has prior experience as a contract project engineer at Progressive Global Energy since 2018. Outside of his advisory role, Zeid offers life insurance and annuities as an independent agent through InVita Financial LLC. Foundations Investment Advisors, LLC provides financial planning and portfolio management services to individual and high-net-worth clients, employer-sponsored retirement plans, and registered investment companies. The firm uses a combination of fundamental, technical, and cyclical analysis alongside model portfolios and an asymmetric rebalancing approach to manage investments.

Rajpreet Sangha is a financial advisor with Principal Financial Services in Tracy, CA, holding Series 63 and Series 65 licenses and 10 years of industry experience. His career includes roles at Wells Fargo Advisors, University of the Pacific, and ICMA Retirement Corporation before joining Principal in 2023. He also serves as a bank/trust officer at Principal Bank and Principal Trust Company, supporting retirement plan account relationships across multiple Principal divisions. 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’s advisory approach includes direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager solutions through various advisory and promoter arrangements.

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.

Gregory Rhodes is a financial advisor with Money Concepts Capital Corp in Modesto, CA, holding Series 63 and Series 66 licenses and bringing 33 years of industry experience. He has been with Money Concepts Capital Corp since 2012. Money Concepts Advisory Service (MCAS) provides portfolio management, financial planning, and consulting services to individuals, pension and profit-sharing plans, trusts, charitable organizations, and corporations. The firm employs a range of managed programs and investment strategies, combining model portfolios, adviser-designed portfolios, and third-party sub-advisers.

Donna Bradley is a financial advisor with Commonwealth Financial Network, holding Series 63 and Series 65 credentials and 35 years of industry experience. Her prior roles include more than two decades at Principal Life Insurance Company and Princor Financial Services Corporation. She also engages in fixed insurance sales as a minor part of her business activities. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 affiliated advisors and hundreds of thousands of clients. The firm provides a broad adviser-support platform, including managed-account programs, access to third-party asset managers, and custody services.