Larry Watts is a Certified Financial Planner (CFP®) with 43 years of industry experience, currently serving at Stifel Nicolaus & Co Inc since 2016. He is based in Stockton, CA, and has participated on the University of the Pacific Eberhardt School of Business Advisory Board. Outside of finance, he is involved with the Larry & Emily Watts Winery, hosting periodic tastings to monitor wine progress. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, offering both brokerage and investment advisory services. The firm uses a proprietary investment methodology developed by its Investment Strategy Group to guide asset allocation, retirement, insurance, and estate planning analyses.

Christopher Olsen is a financial advisor with Ameriprise in Lodi, CA, holding a Series 63 designation and 40 years of industry experience. He has been with Ameriprise and its affiliated entities since 1986. Olsen serves on the Board of Directors for the Lodi Tokay Rotary Club, a community service organization. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Ameriprise Premier Retirement Income service, which includes a written Recommendation Report and ongoing annual advice focused on dependable income sources and tax-aware withdrawal strategies.

Daniel Castillo is a financial advisor with Ameriprise in Lodi, CA, holding a Series 66 designation and 12 years of industry experience. He has been with Ameriprise and its affiliated entities since 2012. Castillo serves on the Board of Directors for the Lodi Community Foundation. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement who meet specific asset criteria, delivering written Recommendation Reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and algorithmic tools to provide tailored, non-discretionary recommendations through a centralized consulting team.

David Phillips is a financial advisor with LPL Financial in Lodi, CA. He holds the CFP® and CFA® designations, as well as the Series 66 license, and has 25 years of industry experience. Since 2003, he has been affiliated with LPL Financial. In addition to his advisory role, Phillips is licensed to practice law in California. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by research and various model portfolio options.

Zachary Seelbach is a financial advisor with LPL Financial, holding a Series 66 designation and three years of industry experience. His prior roles include positions at Bank of America, Merrill, and BMO Bank. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management approaches supported by proprietary and third-party research.

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 industry experience, currently serving as a financial advisor at LPL Financial. He previously worked at Edward Jones, Stifel Nicolaus & Co Inc, Janney Montgomery Scott, Piper Jaffray & Co, and Northland Securities Inc. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Vu Nguyen is a Series 66-licensed financial advisor at J.P. Morgan Securities with two years of experience in the industry. He has been with J.P. Morgan Chase Bank, N.A. since 1993. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting through a select group of Wealth Advisors. As a subsidiary of J.P. Morgan, the firm combines institutional advisory operations with brokerage, distribution, and investment management 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.

Jaime Villa is a financial advisor with Mass Mutual Investors Services who holds Series 63 and Series 65 credentials and has 28 years of industry experience. He worked at Metlife Securities Inc. for 19 years before joining Mass Mutual Life Insurance Company in 2016 and Mass Mutual Investors Services in 2017. Outside of his advisory role, Jaime is involved with Villa Premier Insurance Agency, where he sells individual life, property and casualty, health, and group health insurance, and he also assists clients with residential mortgage loans through Newpoint Mortgage Inc. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational programs, focusing on collaborative, goal-based planning that emphasizes investment categories and strategies rather than specific products.

Benjamin Kobrin is a financial advisor at OSAIC with 22 years of industry experience and holds a Series 66 designation. His prior experience includes roles at Securities America Advisors and National Planning Corporation. He is also involved in insurance sales through Smith, Gatschet & Kobrin Financial Group, where he recommends insurance products as part of comprehensive financial planning. OSAIC serves a diverse range of retail and institutional clients, offering integrated brokerage and advisory services, financial planning, and access to third-party money managers. The firm employs various portfolio construction tools and supports both discretionary and non-discretionary account management across multiple investment types.

Julian Cruz Jr. is a financial advisor with LPL Financial, holding a Series 66 designation and 13 years of industry experience. He has worked at LPL Financial since 2023 and concurrently at Bank of the West and BancWest Investment Services since 2016. Cruz serves as a board member for the Community Center for the Blind & Visually Impaired. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement plan consulting through a national network of investment adviser representatives.

Jill Sidman is a financial advisor with Charles Schwab, holding a Series 66 designation and 19 years of industry experience. She 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 offers a combination of non-discretionary advisory relationships and access to affiliated discretionary separately managed accounts, supported by a centralized custody and operational infrastructure.

Christopher Brown is a financial advisor with LPL Financial in Stockton, CA, holding Series 63 and Series 65 credentials and accumulating 32 years of industry experience. He has been with LPL Financial since 2007. Brown operates Echelon Wealth Management as a related business activity. LPL Financial is a national investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement consulting services, utilizing research and model portfolios from internal and third-party sources.

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 in Stockton, CA, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He previously worked at Merrill from 2000 to 2008 before joining Cambridge Investment Research Advisors, where he has been since 2008. Outside of his advisory role, Keller is involved in property management through ownership decisions for rental properties in the Kansas City area. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base that includes individuals, pension plans, charitable organizations, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals, utilizing various custody platforms and both discretionary and non-discretionary strategies tailored to client objectives.

Sydney Prasad is a financial advisor at LPL Financial with Series 65 and Series 63 licenses and no prior industry experience. Before joining LPL Financial in 2025, Sydney held roles at BMO Bank NA and worked in educational institutions including California State University - Sacramento and Monterey Trail High School. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a range of financial planning, advisory programs, and retirement consulting services, with both discretionary and non-discretionary management options supported by research and model portfolios.

Beverly Mulligan is a financial advisor at Merrill with 15 years of industry experience. She holds the Series 66 designation and has been with Merrill since 2010. 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 and serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.