Ramiro Martinez is a financial advisor with Ameriprise in Bakersfield, CA, holding a Series 66 designation and 25 years of industry experience. He has been with Ameriprise and its affiliates since 2000. Outside of his advisory role, he owns a business called Payroll Partners. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement who meet specific asset criteria, providing detailed recommendation reports on income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored retirement income advice through a centralized consulting team.

Antonio Beccari is a financial advisor with Ameriprise in Bakersfield, CA, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he owns an art gallery and serves on the board of Health Through Wholeness, a nonprofit organization, and also provides consulting services related to business operations in Brazil. Ameriprise offers retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations through a centralized consulting team.

Julianne Finch is a financial advisor at Edward Jones with three years of industry experience. She holds the Series 66 designation and previously worked in various roles before joining Edward Jones in 2023. Outside of her advisory work, Finch serves as an assistant track and field coach specializing in the pole vault at both the high school and collegiate levels in Bakersfield, California. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of advisory programs and investment solutions, supported by a large network of financial advisors and branch offices nationwide.

Son Le is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 66 licenses and bringing 15 years of industry experience. He has been with Mass Mutual Investors Services since 2016 and has worked concurrently with MassMutual Life Insurance Company since 2015. Outside of his advisory work, Son Le also works as a driver for a ride-sharing service. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers a range of programs including wrap and money-manager options, as well as educational seminars.

Elizabeth Payne is a financial advisor at Morgan Stanley in Bakersfield, CA, with seven years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley since 2017, with prior experience at Jennison & Dodds and the Chinese Learning Institute. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm uses structured planning processes and a range of investment strategies, offering services both directly and through corporate financial planning agreements.

Joseph Ramirez is a financial advisor at J.P. Morgan Securities with 20 years of industry experience. He holds a Series 66 designation and has worked at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2005. 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 through a team of Wealth Advisors. As a subsidiary of J.P. Morgan, the firm delivers advisory services alongside affiliated brokerage and investment management capabilities.

Mark Wetterholm is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and over 41 years of industry experience. He worked at NEXT Financial Group for 21 years prior to joining LPL Financial and has additional experience with Wall Street Financial Group and California Financial Network. Outside of finance, Wetterholm is a special education teacher for the Bakersfield City School District. 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, third-party asset management, and institutional platforms, supported by a large network of advisors and advanced research tools.

Kristine Hertin is a financial advisor at Edward Jones in Bakersfield, CA, holding a Series 66 designation with four years of industry experience. Prior to joining Edward Jones, she worked at State Farm Insurance Company from 2013 to 2018. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including both non-high-net-worth and high-net-worth households. The firm manages approximately $1.01 trillion in assets and offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds.

Frank Colatruglio is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 designations and over 40 years of industry experience. He previously worked at UBS Financial Services Inc. for 11 years before joining Wells Fargo in 2019. Outside of his advisory role, he serves as a finance instructor at California State University, Bakersfield, and is a board member of the Estate Planning Council in Bakersfield. 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 supported by research and analytics from Wells Fargo Investment Institute.

Elizabeth Carrillo is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and eight years of industry experience. She has worked at Wells Fargo Clearing Services LLC since 2017 and Wells Fargo Bank NA since 2014. Outside of her advisory role, she owns and operates a small business designing and selling tumblers on Etsy. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Rico Gonzales is a Series 66-licensed financial advisor with Merrill, based in Bakersfield, CA, and has one year of industry experience. His prior work includes roles at Bank of America and Reyes Coca-Cola Bottling. Merrill provides managed account services through its Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations. The firm employs both internal and third-party managers and supports a range of asset allocation and tax-sensitive investment approaches.

Nicholas Valos is a Financial Advisor with Merrill Lynch Wealth Management, bringing over nine years of experience in retirement planning, cash and debt management, and navigating the interest rate environment. He focuses on providing education and guidance across all stages of the financial life, tailoring strategies to the unique ambitions and priorities of each client. Nicholas works to simplify complex financial concepts and supports clients through short-, mid-, and long-term goal development, including personal retirement planning, family wealth management, and small business strategies. Nicholas holds a Bachelor's Degree from the University of California system and a Master's Degree from the University of Southern California. He has earned the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations, underscoring his commitment to professional development and expertise in retirement and investment planning. As part of his approach, he provides clients with access to specialized resources from Bank of America to address banking, credit, home financing, and small business needs. Outside of his professional work, Nicholas is involved with the Bakersfield Baseball Academy, reflecting his personal interests in baseball, football, and spending time with his family. His client-centered philosophy emphasizes uncovering what matters most to clients and their families to create tailored financial strategies.

Jay Ericsson is a financial advisor with Wells Fargo Clearing in Bakersfield, CA, holding Series 63 and Series 65 licenses and 39 years of industry experience. He previously worked at UBS Financial Services Inc. from 2006 to 2018. Outside of his advisory role, he operates a scenic photography business in Bakersfield. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory approach is IPS-driven and based on modern portfolio theory, with a broader range of investment options including insurance-related vehicles and bank deposit sweep programs.

David Westerfeld is a Series 63-licensed financial advisor with Stifel, based in Bakersfield, CA, and has 33 years of industry experience. He has been with Stifel since 2012. Stifel serves a wide range of clients, including individuals, institutional clients, and charitable organizations, offering both brokerage and investment advisory services. The firm utilizes a proprietary investment methodology developed by its Investment Strategy Group to provide asset allocation and financial planning guidance.

Rachell Fanucchi is a financial advisor with Morgan Stanley in Bakersfield, CA, holding Series 63 and Series 65 credentials and bringing 37 years of industry experience. She has been with Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. Outside of her advisory role, she serves as a FINRA arbitrator. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a wide range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies.

Ricardo Yanez is a financial advisor with Ameriprise in Bakersfield, CA, holding a Series 66 designation and 17 years of industry experience. He has worked at Ameriprise since 2019 and previously spent seven years at Wells Fargo Advisors. Outside of his advisory role, he is involved as a managing partner in LR & Associates, Inc. and owns a business named YM & Associates LLC. Ameriprise provides retirement-income planning services primarily for clients with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver customized, non-discretionary recommendations. The firm offers a broad range of advisory, brokerage, and insurance solutions through its affiliated entities.

Freddy Soza is a financial advisor with Merrill in Bakersfield, CA, holding a Series 66 designation and 11 years of industry experience. He has been with Merrill and Bank of America, N.A. since 2015. 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 for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Nancy Lerma is a financial advisor at Primerica Advisors with Series 65 and Series 63 designations and two years of industry experience. She has worked with PFS Investments Inc. and Primerica Financial Services since 2023. Outside of her advisory role, she is involved with the Holmes Family Foundation and has been a member of the Bakersfield Racquet Club for over two decades. Primerica Advisors sponsors and manages a wrap-fee asset management program serving primarily individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm operates at scale and offers advisory services based on model-delivery strategies created by unaffiliated asset managers, supported by custodial and trade execution services.

Cori Ash is a financial advisor at UBS Financial Services with 18 years of industry experience. She has been with UBS since 2007 and holds a Series 66 designation. Based in Bakersfield, CA, she provides advisory services through one of the largest firms in the industry. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory offerings, including financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services, using proprietary research and model-based asset allocations to tailor strategies to clients’ goals and risk tolerances.

Justin Adams is a financial advisor with LPL Financial in Bakersfield, CA, holding a Series 66 designation and 25 years of industry experience. His prior roles include positions at Bank of America, Merrill, and affiliated Banc of America entities, spanning nearly two decades before joining LPL Financial in 2019. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network of representatives to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management solutions, utilizing model portfolios, third-party subadvisors, and technology tools to support client strategies.