Guillermo Roses is a financial advisor at Charles Schwab with 36 years of industry experience. He holds the ChFC® designation and Series 66 and 63 licenses. His prior experience includes positions at Morgan Stanley and E*Trade Securities LLC. He retains residual commission payments from prior insurance sales but currently does not participate in insurance activities. Charles Schwab 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers a multi-asset, model portfolio investment approach supported by centralized custody and operational functions.

James Hayes is a financial advisor with Cetera who holds Series 63 and Series 65 licenses and has 29 years of industry experience. He has operated Hayes Tax & Investment Network since 2011 and has been affiliated with Cetera and Cetera Financial Specialists LLC since 2003. Hayes serves as a committee member for the Salvation Army, assisting with fundraising for youth sports programs. Cetera Investment Advisers LLC is an SEC-registered adviser that provides a range of portfolio management, financial planning, and retirement services to individuals, retirement plans, corporate and charitable clients, and institutions. The firm operates a multi-manager platform offering a variety of program options and manages over $256 billion in assets through a network of more than 10,000 advisors.

Tina Wells Lee is a CFP® professional with 30 years of industry experience, currently affiliated with LPL Financial since 2021. She previously worked at First Allied Advisory Services and First Allied Securities between 2010 and 2021. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers various advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Jaime Castellanos is a financial advisor with Thrivent Investment Management in Stockton, CA. He holds a Series 66 designation and has five years of industry experience. Prior to his current role at Thrivent, he held positions at Sportsmans Warehouse and Ruffaloe Noel Levitz LLC. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering goal-based analyses and written recommendations across various financial planning topics without discretionary trading authority.

Chaz Myers is a financial advisor at Stifel with one year of industry experience. He holds the Series 66 designation and has prior work experience at the University of the Pacific and East Carolina University. Stifel serves a broad range of clients, including individuals, institutional clients, charitable organizations, and municipal entities, offering brokerage and investment advisory services supported by proprietary investment analysis and allocation methodologies developed by its Investment Strategy Group.

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.

Thomas Decristofaro is a financial advisor at Fidelity with 23 years of industry experience. His prior work includes positions at TD Ameritrade Investment Management, LLC and Scottrade, Inc. He holds Series 63 and Series 66 designations. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including managing model portfolios constructed through proprietary research and algorithmic methods. The firm also serves as a registered commodity pool operator and advises multiple registered investment companies.

Joshua Steinfeld is a financial advisor with Mass Mutual Investors Services in Lodi, California, holding Series 63 and Series 65 licenses and bringing 15 years of industry experience. He has been with Mass Mutual and its affiliated life insurance company since 2016. Outside of his advisory role, he is co-owner of a luxury restroom trailer rental business serving special event venues. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser subsidiary of MassMutual that provides financial planning and investment services to individuals, business owners, trusts, and charitable organizations. The firm offers asset management, wrap and money-manager programs, and educational seminars with an emphasis on collaborative, annual financial planning engagements.

Jeremy Lenser is a financial advisor with Edward Jones in Lodi, CA, holding a Series 66 designation and 16 years of industry experience. He has been with Edward Jones since 2010. Outside of his advisory role, he owns and manages a commercial property in Lodi. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a wide array of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds. The firm is notable for its extensive advisor network, branch footprint, and affiliated services beyond advisory offerings.

Erin Lenser is a financial advisor with Edward Jones in Lodi, CA, holding the CFP®, ChFC®, and Series 66 licenses and having 10 years of industry experience. She has been with Edward Jones since 2016. Outside of her advisory role, Lenser serves as Foundation Chair for the Lodi Sunrise Rotary, coordinating donations to the Rotary Foundation. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated investment options. The firm operates under a fiduciary standard and maintains a large retail advisor and branch network.

Susanamaria Lucero is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. She holds Series 63 and Series 66 designations and has been with J.P. Morgan Securities since 2016. J.P. Morgan Securities primarily serves institutional clients and retirement plan sponsors, providing investment consulting and advisory services that include asset-allocation advice, investment manager searches, and customized performance reporting. The firm uses a quantitative asset-allocation approach combined with centralized due diligence and applies an ESG eligibility framework in its recommendations.

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.

Tom Burns is a financial advisor with Ameriprise in Lodi, CA, holding a Series 63 designation and 29 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he participates as a professional pool player in regional 9-ball and 10-ball tournaments. Ameriprise offers retirement-income planning services targeting individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to create personalized recommendation reports. The firm provides a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

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.

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.

Robert Thompson is a financial advisor at Stifel with 42 years of industry experience. He holds a Series 63 designation and has been with Stifel Nicolaus & Co Inc since 2016. Outside of his advisory role, he is involved in grape growing as the sole owner of a vineyard in Woodbridge, California. Stifel serves a broad range of clients, including individuals, institutional investors, and charitable organizations, offering brokerage and investment advisory services supported by a proprietary investment methodology developed by its Investment Strategy Group.

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.