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 Series 66-licensed financial advisor with 19 years of industry experience. He is currently affiliated with Guardian Life and Park Avenue Securities, where he has worked since 2007 through their predecessor firms. Outside of his advisory role, he serves on the State Council of Developmental Disabilities Regional Advisory Committee. Park Avenue Securities LLC, a subsidiary of The Guardian Life Insurance Company of America, provides brokerage and investment advisory services to individuals, corporate and retirement plan sponsors, charitable organizations, and businesses. The firm offers a combination of advisor-led discretionary management and model-based strategies, supported by proprietary and third-party platforms, with tailored client relationships that include financial planning and retirement plan consulting.

Becky Austin is a financial advisor with Integrated Wealth Concepts LLC in Modesto, CA, holding one year of industry experience. She is also a partner at Grimbleby Coleman, a CPA firm where she has worked since 2019. Prior to her advisory roles, she was involved with Crosspoint Community Church for seven years. Integrated Wealth Concepts serves individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans through a network of independent financial advisors. The firm offers discretionary investment management, financial planning, family office, and retirement plan advisory services, employing a long-term investment approach with customized portfolios primarily using mutual funds, ETFs, equities, and fixed income.

William Robinson is a financial advisor with Principal Financial Services in Modesto, CA, holding Series 63, Series 65, and Series 66 licenses and bringing 10 years of industry experience. He has been with Principal Securities Inc. and Principal Life Insurance Company since 2015. Outside of his advisory work, he serves as Chairman of the Riverbank Chamber of Commerce and is a board director for the Modesto Chamber of Commerce. He is also involved in local agricultural operations as a member of an LLC focused on orchard management. Principal Securities provides brokerage and registered investment advisory services to a diverse client base including individual investors, retirement plans, trusts, and business entities. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager solutions through multiple advisory and promoter arrangements.

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 based in Manteca, CA, holding Series 63 and Series 65 licenses and four years of industry experience. She has worked at Principal Financial Services and Principal Life Insurance Company since 2024 and previously held roles at LPL Financial, Silicon Valley Benefits, and Maxx Home Works, where she also provided bookkeeping services. Outside of advisory work, she offers employee benefits to employers, including medical and group life coverage, as well as Medicare supplement plans. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and business entities. The firm emphasizes financial planning, retirement plan consulting, and access to third-party money manager solutions through various advisory and promoter arrangements.

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 based in Stockton, CA. He holds Series 63 and Series 65 licenses and has 40 years of industry experience. His career includes roles at WealthWave, American Gateway Mortgage & Realty, and Champion Health, Inc., where he is involved in health insurance supplement services. Transamerica Financial Advisors serves a diverse client base, including individual investors, pension and profit-sharing plans, trusts, estates, charitable organizations, and corporations. The firm offers a range of advisory and broker-dealer services, utilizing proprietary and third-party model portfolios with discretionary and non-discretionary program options.

Chad Van Houten is a financial advisor with Integrated Wealth Concepts LLC and holds a principal role at Grimbleby Coleman CPAs. He has two years of industry experience and has worked at Grimbleby Coleman CPAs since 2013. Integrated Wealth Concepts serves a diverse client base including individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans through a network of independent financial advisors. The firm offers discretionary investment management, financial planning, and family office services, employing customized portfolios with a long-term investment approach while utilizing shorter-term trades for rebalancing or cash flow needs.

Cory Kelly is a financial advisor with Principal Financial Services in Modesto, CA, holding a Series 66 designation and 11 years of industry experience. He has worked with Principal Securities Inc. and Principal Life Insurance Company since 2015 and 2016, respectively, and spent three years with Kleiderlein Wealth Advisory Group. Outside of advising, he manages a fixed insurance practice and occasionally rents his personal residence on Airbnb when on vacation. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and active-duty military personnel. The firm offers direct advisory programs, financial planning, retirement consulting, and access to third-party money manager asset allocation and separately managed accounts.

Angelo Giannosa is a financial advisor at Principal Financial Services with 29 years of industry experience. He holds the ChFC® designation along with Series 63 and Series 66 licenses. He has worked at Almond Valley Wealth Management since 2020 and has been with Principal Life Insurance Co and Principal Securities Inc since 2004. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individuals, retirement plans, trusts, estates, charitable organizations, corporations, and active-duty U.S. military personnel abroad. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager asset allocation and separately managed account solutions.

Tambra Davis is a financial advisor at Integrated Wealth Concepts LLC in Modesto, CA, with two years of industry experience. She is also a CPA partner at Grimbleby Coleman CPAs, where she has worked for over 20 years. Integrated Wealth Concepts LLC serves individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans through a network of independent financial advisors. The firm offers discretionary investment management, financial planning, family office services, and sponsors wrap-fee programs, employing a long-term approach combined with customized portfolios and oversight of third-party asset managers.

Ian Grimbleby is a financial advisor with Integrated Wealth Concepts LLC in Modesto, CA, holding three years of industry experience. He is also a principal at Grimbleby Coleman CPAs, a role he has held since 2010. Integrated Wealth Concepts LLC serves individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans through a network of independent financial advisors. The firm offers discretionary investment management, financial planning, consulting, and family office services, utilizing a range of investment strategies including mutual funds, ETFs, equities, and fixed income.

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.

Ashley Call is a CFP® with five years of industry experience, currently affiliated with Principal Financial Services in Modesto, CA. Prior to joining Principal Securities Inc., Ashley worked at Johnson Carpenter Wealth Management and Vicky Johnson. Ashley also engages in the sales and service of fixed life insurance products, including annuities, disability insurance, long-term care, and group benefits. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and military personnel. The firm offers direct advisory programs, financial planning, and access to third-party money manager solutions through both adviser and promoter arrangements.

Preston Osbourn II is a financial advisor at Integrated Wealth Concepts LLC with two years of industry experience. He has been a principal at Grimbley Coleman CPAs since 2016. Osbourn also served on the Stanislaus County Estate Planning Council from 2016 to 2020. Integrated Wealth Concepts LLC serves individuals, families, trusts, estates, businesses, and retirement plans through a network of independent advisors. The firm offers discretionary investment management, financial planning, family office, and retirement plan advisory services, employing a primarily long-term investment approach with customized portfolios across mutual funds, ETFs, equities, and fixed income.

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.

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.