Adam Massey is a financial advisor at Fidelity with seven years of industry experience. He holds the Series 63 and Series 66 designations and previously worked at Wells Fargo Clearing Services and Wells Fargo Bank. Outside of his advisory role, Massey operates a photography services business as an independent contractor. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios across mutual funds, ETFs, and ETPs.

Matt Corkern is a financial advisor with Morgan Stanley in Stockton, CA, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2011. Outside of his advisory role, he is involved with family and private real estate investment entities. Morgan Stanley Wealth Management serves individual and institutional clients with a broad range of advisory programs, including tailored financial planning supported by firm‑approved tools and strategies. The firm manages approximately $2.74 trillion in client assets and offers services that encompass both direct client plans and corporate financial planning agreements.

Felica Ramos is a financial advisor at Morgan Stanley in Stockton, CA, with 13 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Morgan Stanley since 2008, with brief tenures at New York Life Insurance Company and NYLIFE Securities LLC. Ramos is the founder and a board member of The Guyton Ramos Family Foundation, which focuses on art, culture, education, and community support for children and youth. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and financial planning services. The firm employs structured planning tools and investment models to support tailored financial strategies and manages approximately $2.74 trillion in client assets.

Douglas Bott is a financial advisor with Morgan Stanley based in Stockton, CA, holding a Series 66 designation and having 25 years of industry experience. He has been with Morgan Stanley Private Bank, N.A. since 2015 and with Morgan Stanley Smith Barney LLC since 2012. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm uses structured planning tools and various investment strategies to support its advisory services.

Sukhvinder Thiara is a Wealth Management Advisor based in the Stockton, California Merrill Lynch Wealth Management office. He joined Merrill Lynch in 2011 and specializes in developing financial strategies and recommendations for high-net-worth individuals, their families, and businesses to support their short- and long-term financial goals. Sukhvinder’s approach to wealth management is consultative and objective, involving thorough review of clients’ financial situations and preferences, tailored asset allocation recommendations, and ongoing discussions covering investments, retirement planning, philanthropy, and estate planning in collaboration with clients’ advisors. Sukhvinder holds the CERTIFIED FINANCIAL PLANNER™ designation and is registered with FINRA Series 7 and Series 66. He earned a Bachelor of Arts in Biological Sciences from the University of California, Davis in 1996 and a Master of Business Administration in Finance from California State University, Hayward in 2003. In addition to English, he is fluent in Spanish and Punjabi. Outside of his professional work, Sukhvinder is involved in coaching youth sports in Lodi, California. He lives in Lodi with his wife, Arvinder, and their two children.

Alfonso Estrella is a Senior Financial Advisor and Vice President at Merrill Lynch Wealth Management. In his role, he utilizes a disciplined process to deliver a consistent yet customized wealth management experience. Alfonso assists clients in establishing their financial objectives, developing appropriate strategies, and making recommendations that leverage the breadth and depth of Merrill Lynch Wealth Management. He conducts regular reviews to help clients assess their progress and adjust strategies in response to changes in their personal or business circumstances. Alfonso holds the designation of Personal Investment Advisor (PIA) and earned his High School Diploma from Hueneme. He follows a philosophy that emphasizes understanding clients' life priorities, focusing not only on markets and returns but also on what matters most to each individual. Alfonso maintains an active connection to his community through volunteer work. His personal interests include cooking, photography, spending time with family, and watching movies.

Ernesto Martinez is a financial advisor with J.P. Morgan Securities in Stockton, CA, holding Series 63 and Series 66 licenses and bringing 9 years of industry experience. He has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2021, and previously spent five years at Wells Fargo Clearing and Wells Fargo Bank. Outside of his advisory role, Martinez owns and manages multiple rental properties. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized manager due diligence and applies an ESG eligibility framework when recommending investment strategies.

Christy Frank is a financial advisor with Stifel, holding a Series 63 designation and 22 years of industry experience. She has been with Stifel Nicolaus & Co Inc since 2016. Outside of her advisory role, she serves as Secretary/Treasurer for the Lodi chapter of BNI, a business networking organization. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group, providing asset allocation and financial planning analyses intended to support client decision-making.

Anthony Apostolidis is a financial advisor with LPL Financial in Stockton, California, holding Series 63 and Series 66 credentials and possessing 37 years of industry experience. He has been with LPL Financial since 2003 and worked at Waddell & Reed from 1997 to 2003. Outside of his advisory role, he is the owner of HA Wealth Management LLC, a business entity for tax and investment purposes. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of services including financial planning, wrap and model portfolio programs, third-party asset management, and institutional platforms, utilizing both proprietary research and third-party strategies across various investment approaches.

Brian Wilkinson is a Series 63 licensed financial advisor at Stifel with 26 years of industry experience. He has been with Stifel Nicolaus & Co Inc since 2016. Outside of his advisory role, he is a general partner in family farming operations. Stifel serves a broad range of clients, including individuals and institutional investors, offering brokerage and investment advisory services based on a proprietary investment methodology developed by its Investment Strategy Group.

Amrinder Dhaliwal is a financial advisor with Wells Fargo Clearing in Stockton, CA, holding Series 63 and Series 65 licenses and 16 years of industry experience. His prior experience includes roles at LPL Financial, Bank of the West, BancWest Investment Services, J.P. Morgan Securities, and Chase Investment Services Corp. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with services such as investment advisory, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions, utilizing research from Wells Fargo Investment Institute and employing diversification principles and modern portfolio theory in its investment evaluations.

Francesco Quacinella is a financial advisor at Merrill with over 40 years of industry experience. He has worked at Merrill since 1983 and has also been with Bank of America, N.A. since 2011. Quacinella holds Series 63, Series 65, and Series 66 licenses. Outside of his advisory role, he serves as a committee member for the Healing Hearts Society, a charitable organization that provides grants to families experiencing the death of a child. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Anand Hundal is a financial advisor at Charles Schwab with four years of industry experience. He previously worked at Fisher Investments for four years and has held roles at Charles Schwab Bank since 2025. Hundal was also involved with the SK Vllzania Basketball Club in 2021. Charles Schwab serves a large client base, primarily 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts, using multi-asset model portfolios and due diligence-supported alternative investment options.

Christina Pacheco is a financial advisor with Cetera, holding a Series 66 designation and bringing 10 years of industry experience. Her career has included various roles within Cetera and related entities since 2015, as well as positions at LPL Financial and AssetMark Financial. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients through a large nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform that includes affiliated and third-party model portfolios and strategies.

Randall Weaver is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he has been employed since 1991. He works with entrepreneurs, executives, retirees, affluent individuals, and their families to align their financial goals with asset, liability, and risk management strategies. In 2001, he helped form The BWS Group, which focuses on simplifying clients' financial lives and delivering integrated wealth management strategies in coordination with clients' legal and tax professionals. Randall holds several professional designations including CERTIFIED FINANCIAL PLANNER (CFP), Chartered Retirement Planning Counselor (CRPC), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He contributes to the development of examination questions for the CFP Certification Examination and serves as a Senior Portfolio Advisor in Merrill Lynch's Investment Advisory Program. He earned a Bachelor of Science degree in Agricultural Business from California State University, Fresno. A second-generation Californian, Randall enjoys traveling and exploring the outdoors with his family. His personal interests include camping, fishing, hiking, scuba diving, skiing, and spending time with his family.

Jacob George is a financial advisor at Stifel with a Series 66 designation and two years of industry experience. He previously worked in education at University of the Pacific and Moreau Catholic High School. Stifel serves a broad range of clients including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services based on proprietary investment analysis and allocation methodologies.

Shane Mccurry is a financial advisor at Wells Fargo Clearing with 18 years of industry experience. He holds a Series 66 designation and has previously worked at BancWest Investment Services and BANK OF THE WEST. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party databases.

Philip Benson is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has been with Merrill since January 1987 and has held leadership roles including managing the Stockton, CA office for 24 years and serving as Senior Resident Director of the 101 California Street office in San Francisco. Since June 2018, he has focused on client service and leadership of The BWS Group in Stockton, dedicating his efforts to wealth management strategies that address clients' concerns about financial security. Mr. Benson’s expertise encompasses the implementation of coordinated strategies for the accumulation, preservation, use, and transfer of wealth. He holds several professional designations including CERTIFIED FINANCIAL PLANNER (CFP), Certified Investment Management Analyst (CIMA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), and Personal Investment Advisor (PIA). He earned a Bachelor of Science degree in Agricultural and Managerial Economics from the University of California, Davis. Beyond his financial career, Mr. Benson umpired major college baseball games across the United States until his retirement in 2013, including being selected as one of eight umpires to work the 2012 Division I College World Series. He resides in Walnut Grove, California with his wife, Stacy Ann Enos, and has one son, Patrick, who is also a Merrill Financial Advisor.

Jamie Ince Santikham is a financial advisor at Ameriprise with 25 years of industry experience. He holds the Series 66 designation and previously worked at Wells Fargo Advisors and Wells Fargo Clearing. He is based in Stockton, California. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized retirement income service that provides written recommendation reports and ongoing tax-aware withdrawal guidance for clients approaching or in retirement.

Gursharanpal Banga is a financial advisor at Merrill with Series 63 and Series 66 designations and three years of industry experience. His prior work includes roles at Bank of America and JPMorgan Chase Bank, as well as a period working outside the financial sector at Angelos Pizza And Wings. 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 a diverse range of clients including individuals, high-net-worth clients, and organizations.