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 66 and Series 63 licenses and 19 years of industry experience. His prior experience includes roles at BancWest Investment Services and Bank of the West. Outside of his advisory work, he assists his children with a small LLC involved in buying and selling sports trading cards. 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 network of over 1,200 advisors, utilizing centralized technology and model solutions to manage approximately $29.2 billion in assets.

Nathan Miller is a financial advisor with Integrated Wealth Concepts LLC in Modesto, California. He holds a principal role at Grimbleby Coleman CPAs, where he has worked since 2000, and has two years of experience in the financial advisory industry. 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, utilizing customized portfolios with a long-term approach and oversight of 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.

Douglas Deboer is a financial advisor with Integrated Wealth Concepts LLC and holds principal status at Grimbleby Coleman CPAs, where he has worked since 2011. He has two years of industry experience and is based in Modesto, California. 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, family office, and retirement plan advisory services, utilizing a combination of internal management and third-party asset managers with a long-term investment approach.

Calvin Heim is a financial advisor at Wells Fargo Clearing with 31 years of industry experience. He holds the Series 63 designation and has worked with Wells Fargo entities since 2009. 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 a broader set of financial product offerings, such as insurance-related vehicles and bank deposit sweep options.

Janeese Wozynski is a financial advisor at Merrill with Series 63 and Series 66 designations and one year of industry experience. She has previously worked at J.P. Morgan Securities LLC and Adventist Health Sonora among other firms. 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 strategies for a broad client base including individuals, high-net-worth clients, and institutional investors.

Madeline Mc Carthy is a financial advisor with J.P. Morgan Securities, holding Series 66 and Series 63 licenses and bringing 10 years of industry experience. She previously worked at Charles Schwab and currently owns Feather & Fibers, a custom pillow cover business, and serves as Secretary/CFO for Performance Advantage Baseball, a nonprofit youth baseball organization. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using quantitative asset-allocation modeling and centralized due diligence to deliver customized, non-discretionary advice.

Jairus Bryant is a Series 66-registered financial advisor with LPL Financial, based in Modesto, CA, and has eight years of industry experience. Prior to joining LPL Financial in 2017, he worked at 1st Light Energy Inc for five years. He is also a certified notary public. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services supported by advanced research tools and maintains oversight of over $819 billion in discretionary assets.

Kyle Crawford is a CFP® professional with 11 years of experience, currently serving as a financial advisor at LPL Financial since 2014. He is based in Modesto, CA, and holds Series 63 and Series 66 licenses. Outside of his advisory work, he is an assistant baseball coach at Central Catholic High School. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions through a large network of investment adviser representatives. The firm provides a range of financial planning and investment management services using a variety of model portfolios, third-party subadvisors, and customized strategies.

Randolph Cook is a financial advisor with Morgan Stanley in Modesto, CA, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. He has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, and was previously with Citigroup Global Markets starting in 1993. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a range of advisory programs, including tailored financial planning that uses firm-approved tools and modeling techniques to support client decision-making.

Glenda Robles is a financial advisor with Morgan Stanley in Modesto, CA, holding a Series 63 designation and bringing 31 years of industry experience. She has worked at Citigroup Global Markets since 1985 and has been with Morgan Stanley Smith Barney and Morgan Stanley Private Bank, National Association since 2009 and 2015, respectively. Morgan Stanley Wealth Management offers a range of advisory programs to individuals and institutional clients, focusing on tailored financial planning and managing approximately $2.74 trillion in client assets. Their financial planning process uses structured discovery and firm-approved tools, and they provide services primarily in an advisory capacity.

Joseph Runyan is a financial advisor at Morgan Stanley with three years of industry experience. He holds a Series 66 designation and has worked at various divisions within Morgan Stanley since 2022. His background includes roles outside finance in the retail and education sectors. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a wide range of advisory programs to both individual and institutional clients. The firm provides tailored financial planning supported by proprietary tools and focuses on structured discovery conversations without offering individual security recommendations as part of standalone planning services.

Japjit Perumalla is a financial advisor at LPL Financial with two years of industry experience. He holds the Series 66 designation and has worked at LPL Financial since 2022. Perumalla is also involved with Balam Wealth Management, a business activity related to his LPL work. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by technology and a broad array of financial products.

Dane Anderson is a financial advisor with Stifel in Modesto, CA, holding a Series 63 license and 28 years of industry experience. He previously worked at Wells Fargo Advisors and Wells Fargo Clearing before joining Stifel in 2018. Outside of his advisory role, Anderson is involved in managing short-term rental properties through Airbnb. Stifel serves a broad range of clients, including individuals, institutional investors, and charitable organizations, offering brokerage and investment advisory services. The firm employs a proprietary investment strategy methodology developed by its Investment Strategy Group to provide asset allocation and planning analyses.

Zachary Walters is a financial advisor with Cetera based in Modesto, CA, holding Series 63 and Series 66 licenses and bringing 15 years of industry experience. He has been affiliated with Cetera Wealth Services since 2010 and currently serves as an insurance agent offering fixed group and individual annuities. Outside of his advisory role, Walters co-owns an automated RV and trailer storage facility and serves as Director of Membership for the Society Human Resources Managerd organization. Cetera Investment Advisers LLC is a large SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients through a multi-manager platform. The firm offers a range of portfolio management and consulting services, allowing advisors to use affiliated and unaffiliated managers or create custom strategies across various program structures.