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.

Matthew Lenser is a CFP®-designated financial advisor with Edward Jones, where he has worked since 2014. He has 11 years of industry experience and holds a Series 66 license. Based in Lodi, CA, Lenser has been serving clients through the firm's branch network for over a decade. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. It offers a wide range of advisory services and investment strategies, supported by a large national network of financial advisors and branch offices.

Guillermo Roses is a financial advisor with Charles Schwab, holding the ChFC® designation and Series 66 and 63 licenses, and has 36 years of industry experience. His prior roles include positions at Morgan Stanley, E*Trade Securities, and Mass Mutual Investors Services. He receives residual payments from a previous insurance career but is no longer active in that area. Charles Schwab & Co., Inc. serves a large client base of primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a combination of non-discretionary and discretionary investment management with integrated brokerage, custody, and financial planning services.

James Hayes is a financial advisor with Cetera who holds Series 63 and Series 65 licenses and has 29 years of industry experience. He has operated Hayes Tax & Investment Network since 2011 and has been affiliated with Cetera and Cetera Financial Specialists LLC since 2003. Hayes serves as a committee member for the Salvation Army, assisting with fundraising for youth sports programs. Cetera Investment Advisers LLC is an SEC-registered adviser that provides a range of portfolio management, financial planning, and retirement services to individuals, retirement plans, corporate and charitable clients, and institutions. The firm operates a multi-manager platform offering a variety of program options and manages over $256 billion in assets through a network of more than 10,000 advisors.

Tina Wells Lee is a CFP® professional with 30 years of experience in the financial services industry, currently affiliated with LPL Financial. Her prior experience includes roles at First Allied Advisory Services, Wells Fargo Clearing, and A. G. Edwards & Sons. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides a range of advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions. The firm supports its network of advisors with model portfolios, third-party subadvisors, and technology tools, managing over $819 billion in discretionary assets.

Jaime Castellanos is a financial advisor with Thrivent Investment Management in Stockton, CA. He holds a Series 66 designation and has five years of industry experience. Prior to his current role at Thrivent, he held positions at Sportsmans Warehouse and Ruffaloe Noel Levitz LLC. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering goal-based analyses and written recommendations across various financial planning topics without discretionary trading authority.

Chaz Myers is a financial advisor at Stifel with one year of industry experience. He holds the Series 66 designation and has prior work experience at the University of the Pacific and East Carolina University. Stifel serves a broad range of clients, including individuals, institutional clients, charitable organizations, and municipal entities, offering brokerage and investment advisory services supported by proprietary investment analysis and allocation methodologies developed by its Investment Strategy Group.

Phyllis Klein is a financial advisor with OSAIC, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. Her prior roles include positions at Goodheart Management Services, Signator Investors, and her own Klein Insurance Agency. Outside of her advisory work, she teaches a Money Management course at CSU Stanislaus and serves as a board member for the Temple Israel Jewish Community Tzedakah Fund. OSAIC serves a diverse client base including retail and institutional investors, offering brokerage and advisory services through a multi-advisor platform. The firm employs a model-based investment approach with asset allocation and portfolio optimization tools, supporting both discretionary and advisor-managed strategies.

Richard Magallanes is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. He holds Series 63 and Series 66 credentials and has been with J.P. Morgan Securities since 2013. J.P. Morgan Securities provides institutional consulting services focused on written asset allocation advice, investment manager and fund searches, and customized performance reporting for plan sponsors, corporations, endowments, and other institutional clients. Their advisory process combines quantitative and qualitative research, using forward-looking capital market assumptions to build model asset allocations.

Jeremy Lenser is a financial advisor with Edward Jones in Lodi, CA, holding a Series 66 designation and 16 years of industry experience. He has been with Edward Jones since 2010. Outside of his advisory role, he owns and manages a commercial property in Lodi. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a wide array of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds. The firm is notable for its extensive advisor network, branch footprint, and affiliated services beyond advisory offerings.

Erin Lenser is a financial advisor with Edward Jones in Lodi, CA, holding the CFP®, ChFC®, and Series 66 licenses and having 10 years of industry experience. She has been with Edward Jones since 2016. Outside of her advisory role, Lenser serves as Foundation Chair for the Lodi Sunrise Rotary, coordinating donations to the Rotary Foundation. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated investment options. The firm operates under a fiduciary standard and maintains a large retail advisor and branch network.

Susanamaria Lucero is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. She holds Series 63 and Series 66 licenses and has been with J.P. Morgan Securities since 2016. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research to build model asset allocations and includes broader derivatives and commodities capabilities.

Alias Masudi is a financial advisor at UBS Financial Services with 15 years of industry experience. Prior to joining UBS in 2023, he worked at Morgan Stanley and Morgan Stanley Private Bank, N.A. from 2018 to 2023, and held roles at Wells Fargo Bank, Merrill, and Bank of America. Outside of finance, he owns and operates a restaurant business, Rocket Kabob, and oversees an Amazon FBA business through Masudi Enterprises, LLC. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory services, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management, offering access to proprietary research and capital markets services.

Trisha Wilson is a Series 66-licensed financial advisor with Morgan Stanley in Stockton, CA, with two years of industry experience. She has been associated with Morgan Stanley since 2009. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and provides services through various channels including corporate financial planning agreements.

James Diserio is a financial advisor at Equitable Advisors with 49 years of industry experience. He has been with Equitable Advisors since 1999 and previously worked at Axa Advisors, LLC for 21 years. His credentials include Series 63 and Series 65 licenses. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients, offering financial planning, retirement plan consulting, and various asset-management programs through a network of Investment Adviser Representatives. The firm emphasizes personalized client assessments and utilizes third-party advisory programs alongside proprietary options.

Joel Carignan is a financial advisor with Edward Jones in Stockton, CA, holding the CFP®, ChFC®, and Series 66 designations. He has 17 years of industry experience, all with Edward Jones since 2009. Outside of his advisory role, he serves as Chairman of the Board for Unbound Stockton Community School, a local charter school. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of investment advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, supported by a nationwide network of more than 23,000 financial advisors and over 15,000 branch offices.

John Morrison is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and 37 years of industry experience. He has worked at LPL Financial since 2017 and previously spent 18 years at National Planning Corporation. He also has a longstanding affiliation with Bank of Stockton, where he has worked for over 27 years. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management solutions, including access to third-party asset managers and institutional platforms such as the Bank Wealth Program.

Robert Thompson is a financial advisor at Stifel with 42 years of industry experience. He holds a Series 63 designation and has been with Stifel Nicolaus & Co Inc since 2016. Outside of his advisory role, he is involved in grape growing as the sole owner of a vineyard in Woodbridge, California. Stifel serves a broad range of clients, including individuals, institutional investors, and charitable organizations, offering brokerage and investment advisory services supported by a proprietary investment methodology developed by its Investment Strategy Group.

Tanner Choate is a Senior Financial Advisor at Merrill Lynch Wealth Management. Since beginning his professional career in 2018 shortly after graduating from the University of California, Berkeley, he has specialized in providing customized wealth management services for affluent professionals and business owners. His focus areas include Corporate Executive Services, Executive Compensation, and Equity Compensation Services. Tanner develops financial strategies tailored to align with his clients' specific goals, helping those with concentrated equity positions to effectively integrate these assets into their broader financial plans. He holds several professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Outside of his professional work, Tanner participates in community volunteering in line with the Merrill tradition. He also enjoys baseball, football, golfing, and traveling. He welcomes connections for discussions about optimizing financial situations or for a round of golf.

Theodore Goodsell is a financial advisor with Charles Schwab in Stockton, CA, holding Series 63 and Series 65 credentials and 23 years of industry experience. He has worked at Charles Schwab and Charles Schwab Bank since 2016, following 13 years at Scottrade, Inc. Charles Schwab & Co., Inc. serves a large client base of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm’s investment approach combines non-discretionary client guidance with access to discretionary separately managed accounts, utilizing multi-asset model portfolios and a structured alternative-investment program.