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 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.

Bhawan Deep is a CFP®-designated financial advisor at Wells Fargo Clearing with 19 years of industry experience. He has worked at several major firms, including Wells Fargo Investments, Chase Investment Services Corp., and J.P. Morgan Securities. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

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, holding a Series 66 designation and three years of industry experience. He has worked with LPL Financial-affiliated firms since 2018 and has also been involved with Depalma Farms since 2019. Outside of advising, he has a part-time role at a local farmers market. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by extensive technology and a broad network of over 22,800 advisors.

Raj Natarajan is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. His prior work experience includes roles at Bank of America, Ameritas Advisory Services, Ameritas Investment Company, Ameritas Life Insurance Corp., David White & Associates, and Tech Mahindra Americas. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Craig Mizuno is a financial advisor with Cetera who holds Series 63 and Series 65 designations and has 27 years of industry experience. He has worked with Cetera and its affiliated entities since 1999 and maintains an active CPA practice that he has owned since 1986. Cetera Investment Advisers LLC operates a large nationwide network of independent advisors serving individual, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through multiple program structures and custodial relationships, managing over $256 billion in assets across more than 10,000 advisors.

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.

Tim Bloemhof is a CFP®-designated financial advisor with Wells Fargo Advisors, based in Ripon, CA, with 26 years of industry experience. He previously worked at Wells Fargo Clearing and A.G. Edwards & Sons, Inc. Bloemhof is involved in agricultural operations, holding ownership interests in multiple family-run almond farming and processing businesses. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients with investment and financial planning services, offering a broad range of planning options that address diverse client needs. Advisors develop tailored recommendations using firm research and tools, with clients deciding how to implement them through brokerage or advisory programs.

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, 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.

Joel Balam is a financial advisor at LPL Financial with 19 years of industry experience. He holds Series 63 and Series 65 credentials and previously worked at Princor Financial Services Corp and Principal Life Insurance Co. Outside of his advisory role, he owns a sole proprietorship called Baseball Fan-Attic. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning and investment services through a broad network of advisors, utilizing model portfolios, third-party subadvisors, and customized strategies.

Gena Yaqubi is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. She holds Series 63 and Series 66 designations and has been with J.P. Morgan in various roles since 2014. J.P. Morgan Securities provides institutional consulting services focusing on written asset allocation advice, investment manager searches, and customized performance reporting for plan sponsors, corporations, and endowments. The firm’s advisory process combines quantitative and qualitative research with forward-looking capital market assumptions to build model asset allocations within a non-discretionary framework.

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 in Stockton, CA, holding a Series 66 designation and 24 years of industry experience. His prior roles include positions at Safe Credit Union, Citigroup Global Markets, Citicorp Investment Services, and Waddell & Reed. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individual investors, retirement plans, banks, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a large network of advisors and extensive financial resources.