Michael Lynch is a financial advisor at Merrill with 25 years of industry experience. He holds the Series 66 designation and has been with Merrill since 2000, also working at Bank of America since 2009. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary strategies to individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Angelina Vivanco is a financial advisor at Merrill with a Series 66 designation and seven years of experience in the industry. Prior to her current role, she worked at IN N OUT Burger for six years and at Rio Vista High School for six years. 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. The firm offers a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Caleb Kimball is a Series 66-licensed advisor with LPL Financial, based in Modesto, CA, and has been in the industry since 2016. He previously worked at Hogin Financial & Insurance Services, Inc. for five years before joining LPL Financial in 2022. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to model portfolios, with emphasis on advisory solutions supported by research and technology tools.

Debra Lawson is a financial advisor with Merrill in Stockton, CA, holding Series 63 and Series 66 licenses and has 28 years of industry experience. She has been with Merrill since 2012. 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 and profit-sharing plans, corporations, and charitable organizations.

Steven Ruffoni is a financial advisor with Morgan Stanley, holding a Series 63 designation and 37 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2015 and has been with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers services through both direct and corporate financial planning agreements.

Justin Ausher is a CFP® professional with 17 years of experience in the financial services industry. He is currently with LPL Financial, having joined in 2024, and previously worked at firms including Edward Jones, Stifel Nicolaus, Janney Montgomery Scott, Piper Jaffray, and Northland Securities. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm provides a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Vu Nguyen is a Series 66-licensed advisor with J.P. Morgan Securities, bringing two years of industry experience. He has worked at J.P. Morgan Securities since 2024 and has a longstanding tenure with JPMorgan Chase Bank, N.A. dating back to 1993. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting, while clients retain final decision-making authority. The firm’s advisory process combines quantitative and qualitative research to build model asset allocations, incorporating an ESG eligibility framework and leveraging broader derivatives and commodities capabilities.

Jacob Rosenthal is a Financial Advisor with Merrill Lynch Wealth Management. He collaborates with clients to develop strategies aligned with their financial goals, assisting with areas including college education planning, family wealth management strategies, legacy planning, liquidity management, managing new wealth, individual and corporate investment strategy, and retirement income. Jacob provides guidance that evolves as clients' needs change and connects them to specialists in banking, credit, home financing, and small business solutions. He holds a Bachelor's Degree from Saint Mary's College of California and has earned the Personal Investment Advisor (PIA) designation. Jacob takes a personalized approach, emphasizing understanding clients' full financial picture and what matters most to them and their families. Outside of his professional role, Jacob enjoys golfing, playing ice hockey, soccer, and cooking. He also serves on the board of a local car club that connects various cities in the Central Valley and participates in a recreational hockey league.

Russell Ballew is a financial advisor with Raymond James Financial Services Advisors, Inc., holding a Series 66 credential and bringing 19 years of industry experience. He has been with Raymond James since 2014. Outside of advising, he is the author of the book *Propitiate the Gods*. Raymond James Financial Services Advisors, Inc. offers financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, institutions, and charitable organizations. The firm provides tailored, non-discretionary advisory services supported by analytical tools and maintains a notable presence in municipal and public finance through its affiliations and specialized programs.

Supreet Bhachoo is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 credentials and eight years of industry experience. He has been with Wells Fargo Clearing since 2017 and has been affiliated with Wells Fargo Bank, NA since 2007. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes investment options such as insurance-related vehicles and bank deposit sweep programs.

Julian Cruz Jr. is a Series 66-credentialed financial advisor with 13 years of industry experience. He is currently with LPL Financial and has previously worked at Bank of the West, BancWest Investment Services, and Edward Jones. He serves as a board member of the Community Center for the Blind & Visually Impaired. 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 asset management solutions, utilizing both model portfolios and customized strategies.

Gregory Weaver is a financial advisor at Osaic Wealth with 30 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Securities America Advisors, Inc. and Valic Financial Advisors. Outside of his advisory role, he manages family-owned single-family rental homes. Osaic Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers brokerage and advisory services with a focus on model-based asset allocation, portfolio optimization, and a range of managed portfolio solutions.

Jerardo Cruz is a financial advisor with Primerica Advisors in Modesto, CA, holding Series 63 and Series 65 licenses and with 10 years of industry experience. He has been with Primerica Advisors since 2016 and has worked at Primerica Financial Services since 2013. Outside of advising, he is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed accounts. The firm uses third-party asset managers and custodians like BNY Mellon Advisors and Pershing, offering a tiered wrap-fee structure and maintaining authority over model selections.

Jill Sidman is a financial advisor at Charles Schwab with 20 years of industry experience. She holds a Series 66 designation and has been with Charles Schwab and Charles Schwab Bank, SSB since 2005. Charles Schwab & Co., Inc. serves 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 affiliated discretionary separately managed accounts and uses multi-asset model portfolios with strategic asset allocation.

Gagandeep Kaur is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 12 years of industry experience. She has worked at Wells Fargo Bank and Wells Fargo Clearing since 2013 and 2016, respectively. Outside of her advisory role, she owns an online clothing sales business, Charkha Couture. Wells Fargo Advisors is a large national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm utilizes research and analytics from Wells Fargo Investment Institute and third parties to evaluate investment options and offers both brokerage and advisory solutions.

Jeremy Willson is a financial advisor with LPL Financial, holding a Series 66 credential and 11 years of industry experience. He has worked with ICA Group Wealth Management and Guardian Life, and he is involved in tax preparation and accounting services alongside his advisory work. LPL Financial is a national broker-dealer and SEC-registered investment adviser delivering advisory and brokerage services through a large network of representatives to individuals, retirement plans, banks, and institutions. The firm offers a range of financial planning and investment management solutions using both proprietary and third-party strategies, supported by advanced operational and research tools.

Christian Chukwuma is a financial advisor at OSAIC with 17 years of industry experience. He holds a Series 66 designation and has previously worked at Securities America Advisors and Edward Jones. In addition to his advisory role, he is licensed to sell life insurance and indexed annuities. OSAIC serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients, offering brokerage and advisory services through a multi-advisor platform. The firm’s investment approach includes model-based asset allocation, portfolio optimization, and access to proprietary and third-party managed strategies.

Elizabeth Chapman is a financial advisor with Wells Fargo Clearing, holding a Series 66 credential and one year of industry experience. Her prior work includes roles at Centene Health Net Federal Services, Centene Health Net, BAC Community Bank, San Joaquin County Probation Department, and Wells Fargo and Co. 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 employs over 14,000 financial advisors, offering both brokerage and advisory solutions.

Anthony Bott is a financial advisor with Morgan Stanley in Stockton, CA, holding Series 63 and Series 65 licenses and having 18 years of industry experience. He has worked with Morgan Stanley since 2015 and has been part of Morgan Stanley Private Bank, N.A. since 2018. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, including tailored financial planning through dedicated advisors and estate planning groups. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and investment models to support its advisory services.

G. Keller III is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 designations and 27 years of industry experience. He has worked at Cambridge Investment Research since 2008 and previously spent eight years at Merrill. Outside of his advisory role, he owns rental properties in the Kansas City area managed by a third party. Cambridge Investment Research Advisors serves individual and institutional clients, including pension and charitable organizations, providing financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm supports discretionary and non-discretionary management across multiple platforms and offers proprietary model strategies through its Founders Gate Capital brand.