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.

John Nieradzik is a CFP®-designated financial advisor with Valic Financial Advisors, bringing 22 years of industry experience. He has been with Valic Financial Advisors since 2006 and also holds roles at Agia. Valic Financial Advisors, Inc. serves primarily U.S. individuals, including high net worth clients and employer-sponsored retirement participants, offering portfolio management and financial planning through a large network of advisors. The firm uses discretionary unified managed accounts via Envestnet’s platform and emphasizes a technology-driven, scalable approach to client service.

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.

Carnell Freeman is a financial advisor with Valic Financial Advisors in Modesto, CA, holding Series 63 and Series 65 licenses and 20 years of industry experience. He has been with Valic Financial Advisors since 2010 and also works as an agent for Agia, focusing on non-securities insurance products. Valic Financial Advisors primarily serves U.S.-domiciled individual investors, including high-net-worth and ultra-high-net-worth clients, as well as corporate and retirement-plan participants. The firm offers discretionary managed-account programs, financial planning, consulting, and brokerage services utilizing Envestnet-developed UMA models.

David Conlin is a financial advisor at Valic Financial Advisors with 25 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Valic Financial Advisors since 2016. In addition to his advisory role, he serves as an agent offering non-securities insurance products. Valic Financial Advisors serves primarily U.S. individuals, including high net worth and ultra-high net worth clients, as well as employer-sponsored retirement participants. The firm offers portfolio management, financial planning, and discretionary unified managed accounts through a large network of advisors, utilizing centralized technology and model solutions to manage approximately $29.2 billion across nearly 300,000 clients.

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.

Amit Prasad is a financial advisor with PNC Wealth Management, holding Series 63 and Series 65 licenses and bringing 16 years of industry experience. His career includes roles at BBVA Securities Inc., BBVA Compass Insurance Agency, and Compass Bank spanning over a decade before joining PNC Investments in 2021. PNC Wealth Management offers retail brokerage and advisory services through model-based investment programs, including a digital discretionary model account available as an invitation-only pilot for employees. The firm uses algorithm-driven risk assessments and delegates portfolio implementation and proxy voting to third parties, focusing on mutual funds and ETFs with annual rebalancing.

Tam Le is a CFP® and holds a Series 66 license with 17 years of industry experience. He is currently an advisor at Valic Financial Advisors and Agia, with prior roles at PFS Investments Inc., Primerica Financial Services, Peak American Investment Advisors, Bank of America, N.A., and Merrill. Outside of his advisory work, he is involved as an agent for non-securities insurance products. Valic Financial Advisors primarily serves U.S.-domiciled individual investors, including high-net-worth and ultra-high-net-worth clients, as well as corporate and retirement-plan participants. The firm offers discretionary managed-account programs, financial planning, and brokerage services, utilizing Envestnet UMA models to construct client portfolios.

Timothy Buzzini is an investment advisor representative with Kestra Advisory and holds a Series 63 designation. He has 32 years of experience in the financial services industry, including roles at Kestra Advisory since 2016 and Kestra Investment Services since 2014. Outside of advisory work, he has been involved with Jack Tone Golf since 1996. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a diverse client base including plan sponsors and institutional investors. The firm offers services such as fiduciary consulting, plan-level investment advice, and pooled plan solutions, managing approximately $79.8 billion in assets and serving a range of clients including sovereign wealth funds.

Yadwinder Chehal is a financial advisor at Transamerica Financial Advisors with a Series 66 designation and one year of industry experience. Prior to joining Transamerica, Chehal worked in banking for over a decade at Yes Bank Ltd., RBL Bank Ltd., and Indusind Bank Ltd. He is also a registered Notary Public in California. Transamerica Financial Advisors serves a diverse range of clients, including individual investors, pension plans, trusts, and corporations. The firm offers both advisory and broker-dealer services through proprietary and third-party model portfolios, with discretionary and non-discretionary program options.

Judy Dang is a Series 66 licensed financial advisor with Valic Financial Advisors, based in Modesto, CA, with six years of industry experience. She has worked with Valic and Agia since 2016. Outside of her advisory role, she serves as Vice President and President-elect of the Castilleja School Association, where she works on connecting the parent community with school leadership and will serve as a non-voting member of the school’s Board of Trustees. Valic Financial Advisors primarily serves U.S. individuals, including high net worth and ultra-high net worth clients, as well as employer-sponsored retirement participants, offering portfolio management, financial planning, and unified managed accounts through a large network of advisors.

Fernando De La Rosa II is a financial advisor with Valic Financial Advisors in Modesto, CA, holding Series 63 and Series 65 credentials and 15 years of industry experience. He has worked at Valic Financial Advisors since 2010 and has been associated with Agia since 2022, where he is involved in non-securities insurance products. Valic Financial Advisors serves primarily U.S.-domiciled individual investors, including high-net-worth and ultra-high-net-worth clients, as well as corporate and retirement-plan participants. The firm offers discretionary managed-account programs, financial planning, and brokerage services, utilizing Envestnet-developed UMA models for portfolio construction.

Ryan Root is a financial advisor with Integrated Wealth Concepts LLC, holding two years of industry experience. He has worked at Integrated Wealth Concepts since 2023 and served as a principal at Grimbleby Coleman CPAs since 2021. Integrated Wealth Concepts serves individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans through a network of independent advisors. The firm offers customized portfolios primarily using mutual funds, ETFs, individual equities, and fixed income, and provides discretionary investment management, financial planning, family office, and retirement plan advisory services.

Christopher Romero is a financial advisor with Valic Financial Advisors in Modesto, CA, holding Series 63 and Series 66 licenses and bringing 20 years of industry experience. His prior roles include positions at BancWest Investment Services, Bank of the West, and Chase Investment Services Corp. Outside of his advisory work, he is involved in managing a family LLC related to buying and selling sports trading cards. Valic Financial Advisors is an SEC-registered investment adviser and FINRA-member broker-dealer serving primarily U.S. individuals, including high net worth and ultra-high net worth clients, as well as employer-sponsored retirement participants. The firm offers portfolio management, financial planning, and consulting services through a large network of advisors, utilizing discretionary unified managed accounts and various overlay services.

Nathan Miller 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, where he has worked since 2000. Integrated Wealth Concepts serves individuals, high-net-worth clients, 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, using customized portfolios and a combination of internal management and third-party asset managers.

Yuchen Tang is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 licenses and bringing 20 years of industry experience. He has worked at Transamerica Financial Advisors since 2012, with a break between 2016 and 2017, and also has experience with World Financial Group and Covered California Health Insurance. Outside of advisory work, he is involved in the sale of insurance products affiliated with Transamerica Financial Advisors. Transamerica Financial Advisors provides investment advisory, brokerage, and retirement-plan services to a diverse client base, including individuals, employer-sponsored plans, trusts, and charitable organizations. The firm utilizes model portfolios and third-party managers to implement investment strategies across multiple platforms, managing approximately $1.7 billion in assets under management.

Kathleen Fitts is a financial advisor at VALIC Financial Advisors with 20 years of industry experience. She holds Series 63 and Series 65 licenses and has been with VALIC Financial Advisors since 2006. Outside of her advisory role, she owns and operates a general construction contracting business. VALIC Financial Advisors primarily serves U.S.-domiciled individual investors, including high-net-worth and ultra-high-net-worth clients, as well as corporate and retirement-plan participants. The firm offers discretionary managed-account programs, financial planning, and brokerage services, utilizing Envestnet-developed models to construct client portfolios.

Leeanne Cardoza is a financial advisor at Integrated Wealth Concepts LLC with one year of industry experience. She is also a partner at Grimbleby & Coleman Accountants, a CPA firm where she has worked for over 12 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, and family office services, employing a long-term investment approach supplemented by shorter-term trades for specific needs.

Ryan Formanek is a Series 65-licensed financial advisor at Focus Partners Wealth, LLC with 14 years of industry experience. He previously worked for nine years at Churchill Management Group before joining Focus Partners Wealth in 2025. Focus Partners Wealth serves individuals, families, charitable organizations, corporations, and institutional retirement plans, offering a range of services including investment management, financial planning, tax and compliance support, family office and business management, and employee benefit retirement plan services. The firm employs a long-term, tax- and fee-sensitive investment approach using a mix of active and passive strategies and provides customized portfolios based on clients’ risk tolerance and financial circumstances.