Zachary Walters is a financial advisor with Cetera based in Modesto, CA, holding Series 63 and Series 66 licenses and bringing 15 years of industry experience. He has been affiliated with Cetera Wealth Services since 2010 and currently serves as an insurance agent offering fixed group and individual annuities. Outside of his advisory role, Walters co-owns an automated RV and trailer storage facility and serves as Director of Membership for the Society Human Resources Managerd organization. Cetera Investment Advisers LLC is a large SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients through a multi-manager platform. The firm offers a range of portfolio management and consulting services, allowing advisors to use affiliated and unaffiliated managers or create custom strategies across various program structures.

Phyllis Klein is a financial advisor at OSAIC with 26 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at firms including Goodheart Management Services, Signator Investors, and Goodheart & Associates. Klein teaches a Money Management course at CSU Stanislaus and serves on the board of the Temple Israel Jewish Community Tzedakah Fund. OSAIC serves a diverse client base including individual investors, pension plans, and charitable organizations. The firm provides integrated brokerage and advisory services, utilizing various investment platforms and tools to construct portfolios tailored to clients’ risk tolerance and investment objectives.

Richard Magallanes is a financial advisor with J.P. Morgan Securities LLC, holding Series 63 and Series 66 designations and bringing 12 years of industry experience. He has been with J.P. Morgan Securities since 2013. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Bhawan Deep is a CFP® and Series 66-registered advisor with Wells Fargo Clearing, based in Tracy, CA. He has 18 years of industry experience, including roles at Wells Fargo Advisors, LLC from 2012 to 2016 before joining Wells Fargo Clearing in 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services grounded in modern portfolio theory. The firm’s approach includes a broad range of financial products, such as insurance-related vehicles and bank deposit sweep options.

Byron Covington Jr. is a financial advisor at Mass Mutual Investors Services with a Series 66 credential and one year of industry experience. Before entering financial services, he worked at Visby Medical and BD Biosciences. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser offering financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative, annual financial planning engagements using firm-approved analytical tools and provides a range of educational seminars and specialized planning programs.

Brandon Karp is a financial advisor with LPL Financial in Modesto, CA. He holds a Series 66 designation and has three years of industry experience. His prior roles include positions at Balam Wealth Management and Delta Pacific Investment Management, both affiliated with LPL Financial. Outside of his advisory work, he has involvement in part-time employment at a farmers market in Ripon, CA. LPL Financial is a national investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charities through a broad network of advisors. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by proprietary and third-party research, as well as advanced technologies such as machine learning.

Raj Natarajan is a financial advisor at Merrill with a Series 66 designation. He has held positions at several firms including Ameritas Advisory Services, Ameritas Investment Company, Ameritas Life Insurance Corp., and David White & Associates from 2025 to 2026, as well as Tech Mahindra Americas from 2015 to 2019. Prior to joining Merrill and Bank of America in 2026, he was self-employed for five years. 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. The firm offers model-based and discretionary investment strategies across a range of client types, including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Craig Mizuno is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He has worked at Cetera since 1999 and also maintains a CPA accounting practice that he has operated since 1986. Mizuno serves as a trustee on a family trust. Cetera Investment Advisers LLC is an SEC-registered firm that supports a nationwide network of over 10,000 independent advisors. The firm serves individual, retirement plan, corporate, charitable, and institutional clients with a multi-manager platform offering discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

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 with Equitable Advisors in Stockton, CA, holding Series 63 and Series 65 licenses and bringing 49 years of industry experience. He has been with Equitable Advisors and its predecessor, Axa Advisors, since 1999. Equitable Advisors serves individual investors, retirement plan sponsors and participants, corporations, and charitable organizations, offering financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm operates a hybrid referral and implementation model that combines advisory and brokerage channels to deliver customized client solutions.

Tim Bloemhof is a CFP® professional with 26 years of industry experience, currently serving at Wells Fargo Advisors since 2019. His career includes prior roles within Wells Fargo Clearing and Wells Fargo Advisors LLC. Outside of his advisory work, Bloemhof has significant involvement in almond farming and processing businesses through various family-owned and invested entities in California. Wells Fargo Advisors Financial Network offers investment and financial planning services to individuals, trusts, and institutional clients, employing proprietary research and planning tools to develop tailored recommendations. The firm provides a broad range of planning services, including specialized areas such as business-owner transition and special-needs planning.

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.

Moises Aguirre Cabrera is a financial advisor at Merrill with a Series 66 designation and no prior industry experience. His work history includes roles at Bank of America, BMO N.A., and various educational institutions. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

John Morrison is a financial advisor with LPL Financial and holds Series 63 and Series 66 credentials. He has 36 years of industry experience, including prior roles at National Planning Corporation and a long-standing association with Bank of Stockton. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a nationwide network. The firm offers a range of financial planning and advisory programs, including model portfolios and retirement plan consulting, with both discretionary and non-discretionary management options.

Joel Balam is a financial advisor with LPL Financial in Modesto, CA, holding Series 63 and Series 65 licenses and bringing 19 years of industry experience. He previously worked at Princor Financial Services Corp and Principal Life Insurance Co for nine years each before joining LPL Financial in 2017. Outside of his advisory role, Joel owns a business related to baseball memorabilia. LPL Financial is a registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and nonprofits. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management supported by research and a broad suite of investment strategies.

Gena Yaqubi is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. She has been with J.P. Morgan Chase Bank and J.P. Morgan Securities since 2014. Yaqubi holds Series 63 and Series 66 designations. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

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.

Michael Talley is a financial advisor with LPL Financial, holding a Series 66 designation and bringing 24 years of industry experience. He has worked at LPL Financial since 2008 and previously spent six years with SAFE Credit Union. Talley operates MT Retirement Planning as a sole proprietorship, providing investment, advisory, and financial planning services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing model portfolios, third-party research, and technology-driven strategies.