Randall Jenkins is a financial advisor with Cetera, holding a Series 63 designation and over 32 years of industry experience. His career includes long-term roles with Avantax firms and insurance agencies, and he currently operates a financial services business called Inspired Growth. Outside of advising, he serves as treasurer and board member for several church-related charities and manages a small almond farm. Cetera Investment Advisers LLC is an SEC-registered firm that supports a large network of independent advisors serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and consulting services through multiple program platforms and manager options, overseeing more than $256 billion in assets.

Alana Scott is a financial advisor at Raymond James & Associates with 18 years of industry experience. She holds a Series 66 designation and previously worked at Merrill Lynch, Pierce, Fenner and Smith Incorporated for 10 years before joining Raymond James in 2017. Scott is a founding board member and current president of the Women's Education and Leadership League, a nonprofit organization. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutional investors, and municipal entities, offering financial planning, investment consulting, and municipal advisory services.

Aaron Gill is a Financial Advisor with Merrill Lynch Wealth Management, specializing in partnering with individuals, families, and business owners to navigate important financial decisions. He focuses on family wealth management strategies, personal retirement planning, portfolio management services, and retirement income. Aaron holds a Bachelor's Degree from the University of California System and has earned professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). He emphasizes building strong client relationships through trust, communication, and understanding each client's unique priorities. Outside of his professional work, Aaron enjoys activities such as basketball, chess, golfing, hiking, pickleball, tennis, watching movies, and spending time with his family.

Raymond Ruiz is a financial advisor with Morgan Stanley in Modesto, CA, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. He has worked with Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, and with Citigroup Global Markets since 2000. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs and financial planning to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and utilizes a structured planning process supported by firm-approved tools and methodologies.

Brian Hoekman is a financial advisor with Ameriprise in Modesto, CA, holding a Series 66 designation and 16 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2014. Ameriprise provides retirement-income planning services focused on clients approaching or in retirement with significant investable assets, delivering detailed recommendation reports that incorporate income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and automated tools overseen by a dedicated team to support its advisory approach.

Martin Youmaran is a financial advisor with J.P. Morgan Securities who holds Series 63 and Series 66 licenses and has 23 years of industry experience. His work history includes roles at J.P. Morgan Securities, JPMorgan Chase Bank, N.A., Bankers Life Securities, Inc., Ninvest LLC, Trellis Advisors-Lotus Domaine, Hometown Realty, and Sf Investments, Inc. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice and customized reporting. The firm combines large institutional advisory operations with additional brokerage and investment management capabilities.

Stephanie Martin is a financial advisor at Raymond James & Associates with one year of industry experience. She holds the Series 66 designation and has previously worked at Merrill Lynch and with Contentment Brewing Company and Modesto Pregnancy Center. Raymond James & Associates, Inc. is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and municipal advisory services.

Jana Kearns is a financial advisor at Morgan Stanley with 41 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Morgan Stanley since 2020, following roles at Raymond James & Associates and Merrill. Outside of advising, she is involved in property management as a sole proprietor of personal rental real estate and serves as a trustee. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individual and institutional clients, managing approximately $2.74 trillion in assets. The firm’s financial planning incorporates structured discovery and firm-approved tools, offering a wide range of investment and advisory solutions.

Adam Juday is a financial advisor at Fidelity with 16 years of industry experience. He holds the Series 63 and Series 66 designations and has been with various Fidelity entities since 2001. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm employs a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios that include mutual funds, ETFs, and ETPs.

Eric Gieling is a financial advisor with Ameriprise, holding a Series 66 designation and 10 years of industry experience. He has been with Ameriprise and its affiliated entities since 2004. Outside of his advisory role, he serves on the Board of Directors for YoungLife and is vice-chair of The Hope's mission team, both nonprofit organizations in Atwater, CA. Ameriprise provides retirement-income planning services primarily for clients nearing or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored recommendations through a centralized consulting team.

Victor Valenzuela is a financial advisor at Fidelity with eight years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Wells Fargo Clearing Services LLC and Wells Fargo Bank NA prior to joining Fidelity. 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 discretionary and non-discretionary accounts, fund advisory services, and model portfolios.

Dempsey Grover is a financial advisor with Morgan Stanley in Modesto, California, holding a Series 66 designation and five years of industry experience. His prior roles include positions at Bank of Stockton and LPL Financial LLC. Outside of finance, he has been involved in baseball coaching since 2014. Morgan Stanley Wealth Management serves both individual and institutional clients, providing tailored financial planning and a broad array of advisory programs supported by firm-approved planning tools and investment research.

Keri Van Dyke is a financial advisor at Morgan Stanley with a Series 66 designation and three years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 1993. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets.

Matthew Bryant is a financial advisor with LPL Financial in Modesto, CA, holding Series 63 and Series 65 licenses and having 19 years of industry experience. He has worked at LPL Financial since 2016 and previously spent a year with Wells Fargo Advisors. Outside of his advisory role, Bryant is involved with The Investment Consulting Group. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a large network of advisors and advanced operational tools.

Caleb Jenkins is a financial advisor with Cetera, holding a Series 66 designation and one year of industry experience. He has worked at Cetera and Avantax firms and serves as Treasurer and Board of Trustees member at Sattler College, a private Christian-based educational institution. Jenkins is also involved in multiple consulting and advisory roles, including founding Jenkins Consulting, which provides app development consulting services. Cetera Investment Advisers LLC is an SEC-registered adviser that serves individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers various portfolio management and financial planning services through a multi-manager platform, providing access to both affiliated and third-party managers across multiple program structures and custodial relationships.

Leonard Jalli is a Wealth Management Advisor with Merrill Lynch Wealth Management in Modesto, California. He co-founded the Jalli/Seibold Group and leads a team that provides wealth management services to high-net-worth families, pensions, trusts, and endowments nationally. Leonard offers strategic guidance tailored to Fortune 500 quick service restaurant owners and operators, assisting them with custom credit, lending solutions, cash reserves, retirement planning, and exit strategies. He collaborates with other trusted advisors, including CPAs and attorneys, to coordinate comprehensive financial solutions for his clients. Leonard began his career at Merrill Lynch in 1993 and formed a team with his father in 1998. He earned a Bachelor's degree in business from California State University, Sacramento, and holds the Certified Investment Management Analyst (CIMA) and Chartered Retirement Planning Counselor (CRPC) designations. Leonard emphasizes proactive planning and a disciplined long-term process throughout market cycles. Residing in Modesto with his wife Michele and their fraternal twins, Leonard advocates for longevity through physical and mental health, engaging in cycling and snow skiing. He has been a member of the Downtown Modesto Rotary Club for over twenty years, served three terms as chair of United Way of Stanislaus County, and supports the American Heart Association.

Philip Chao is a CFP® professional with 24 years of industry experience. He currently works at Cetera and has held roles at Axsome, Lundbeck, Voya Financial Advisors, and Fortune Financial. In addition to his advisory work, he is a sales manager at a pharmaceutical company. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad range of clients, including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers diverse portfolio management and financial planning services through a large network of independent advisors and a multi-manager platform.

Jovanna Mukaddes is a Senior Financial Advisor at Merrill Lynch Wealth Management, bringing over 20 years of experience in the financial services industry. Since joining Merrill in 2005, she has focused on understanding the unique needs of high-net-worth individuals, families, and businesses. Jovanna offers personalized attention and develops disciplined, customized financial strategies that address a broad range of goals including asset allocation, education funding, retirement planning, tax minimization, and estate planning. She leverages the investment insights of Merrill alongside the banking and lending solutions of Bank of America to provide comprehensive wealth management services. Jovanna’s client expertise includes family wealth management, services for endowments, foundations and non-profits, managing new wealth, personal retirement planning, portfolio management, small business strategies, socially responsible and ESG investing, women and wealth, tax minimization, and retirement income planning. She emphasizes a collaborative approach that focuses on understanding clients’ life priorities and designing flexible strategies aligned with their goals and aspirations. Jovanna applies a disciplined, emotion-aware methodology especially suited to navigating uncertain market conditions, aiming to create opportunities for favorable financial outcomes. She holds a bachelor's degree from Stanislaus State University and has earned professional designations including Certified Exit Planning Advisor (CEPA) and Personal Investment Advisor (PIA). Jovanna is actively involved in her community, volunteering with organizations such as United Way, and participates in professional groups like United Way Power of the Purse and the Professional Women's Group. Outside of work, she enjoys activities including billiards, bowling, dancing, fishing, hiking, music, reading, soccer, swimming, and spending time with her family.

Carl Rice is a financial advisor with Morgan Stanley in Modesto, CA, holding Series 63 and Series 65 licenses and possessing 50 years of industry experience. He has worked with Morgan Stanley Smith Barney since 2009 and was affiliated with Citigroup Global Markets beginning in 1993. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, including tailored financial planning and estate planning strategies, managing approximately $2.74 trillion in client assets. The firm uses structured planning tools and analytics such as Monte Carlo simulations to support clients’ financial plans and provides both advisory and brokerage services.

Stephen Luna is a financial advisor with LPL Financial in Modesto, CA, holding a Series 66 designation and four years of industry experience. Prior to joining LPL Financial in 2026, he worked at Mass Mutual Investors Services, Mass Mutual Insurance Company, and Spectrum Financial Group. Outside of his advisory role, he coaches soccer for children aged 5 to 6. 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 advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by extensive technology and a large network of advisors.