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 at Integrated Wealth Concepts LLC with three years of industry experience. He is also a principal at Grimbleby Coleman CPAs, where he has worked for over 15 years. 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 mutual funds, ETFs, individual equities, and fixed income.

Calvin Heim is a financial advisor with Wells Fargo Clearing in Modesto, CA, holding a Series 63 designation and 32 years of industry experience. He worked at A. G. Edwards & Sons, Inc. for 11 years before joining Wells Fargo Clearing in 2016. 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 uses research from the Wells Fargo Investment Institute and third-party sources to evaluate investment options based on diversification and modern portfolio theory.

Madeline Mc Carthy is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. She holds Series 63 and Series 66 licenses and has worked with firms including Charles Schwab and JPMorgan Chase Bank. Outside of her advisory role, she owns a custom pillow cover business and is involved with a nonprofit youth baseball organization, where she serves as Secretary and CFO. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through a disciplined process that integrates quantitative asset-allocation modeling, centralized due diligence, and an ESG eligibility framework.

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.

Eric Chu is a Wealth Management Advisor with Merrill Lynch Wealth Management, operating within the Global Wealth Management Division. He is a senior partner of Nan/Chu & Associates, a team of financial professionals providing banking solutions and investment advisory services. Eric works with individuals, families, trustees, and business owners to develop customized wealth management strategies tailored to their financial goals. His expertise includes wealth preservation, retirement planning, trust and estate matters, college education planning, family wealth management strategies, and legacy planning. Eric holds the Certified Investment Management Analyst® (CIMA®) designation and the Personal Investment Advisor (PIA) designation. He completed his education at the University of California system and furthered his studies through The University of Chicago Booth School of Business. Leveraging his credentials and experience, he assists clients in managing and distributing family wealth, including the establishment and administration of estate and trust accounts, fiduciary advisory services, recordkeeping for court filings, and the development of tax-sensitive wealth management strategies. Eric serves clients throughout Modesto, Merced, and the Central Valley and engages in community involvement through organizations such as Merced Sunrise Rotary and University Friend's Circle. He speaks English and Chinese and holds personal interests in chess, golfing, and skiing.

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 at Morgan Stanley with 42 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Morgan Stanley Private Bank, National Association since 2015, Morgan Stanley Smith Barney since 2009, and Citigroup Global Markets from 1993 to 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools and market simulations.

Glenda Robles is a financial advisor with Morgan Stanley in Modesto, CA, holding a Series 63 designation and bringing 31 years of industry experience. Her career includes long tenures at Morgan Stanley Smith Barney since 2009 and Citigroup Global Markets from 1985 to 2009. Morgan Stanley Wealth Management serves both individual and institutional clients with a variety of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers services through both direct and corporate financial planning arrangements.

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 at Stifel with 29 years of industry experience. He holds a Series 63 designation and has worked at Stifel Nicolaus & Co Inc since 2018, following prior roles at Wells Fargo Clearing and A. G. Edwards & Sons, Inc. Outside of his advisory work, he is involved in short-term rental property management. Stifel serves a diverse client base, including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. The firm’s investment approach is based on proprietary methodologies developed by its Investment Strategy Group, providing clients with forward-looking 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.

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.

Richard Magallanes is a financial advisor with J.P. Morgan Securities LLC, holding Series 63 and Series 66 designations and bringing 12 years of industry experience. He has been with J.P. Morgan Securities since 2013. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Grant Wiebe is a financial advisor at Stifel with Series 66 registration and one year of industry experience. Prior to joining Stifel, he held positions at Monte Vista Farming Company, Blue Diamond Growers, and Spring Creek Golf and Country Club. He also studied at California Polytechnic State University. Stifel serves a wide range of clients, including individuals, institutional clients, charitable organizations, and municipal entities, offering brokerage and investment advisory services. The firm uses a proprietary methodology developed by its Investment Strategy Group to provide investment analysis and asset allocation guidance.

Randall Anderson is a Series 63 licensed financial advisor with Stifel, based in Modesto, CA, and has 59 years of industry experience. He has previously worked at Wells Fargo Clearing and A. G. Edwards & Sons, Inc. Anderson is involved in property management and commercial real estate as a partner and landlord outside of his advisory work. Stifel serves a broad range of clients including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. The firm uses a proprietary methodology developed by its Investment Strategy Group to provide investment analysis and asset allocation guidance.

Jesse Cortez is a financial advisor at Wells Fargo Clearing with 15 years of industry experience. He holds Series 63 and Series 66 designations and previously worked at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities. He is based in Modesto, CA. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a range of investment options that include insurance-related vehicles and bank deposit sweep programs.

Chad Webster is a financial advisor with LPL Financial holding a Series 66 designation and 18 years of industry experience. His prior roles include positions at Bank of the West, BancWest Investment Services, Sorrento Pacific Financial, Chase Investment Services Corp., and Wells Fargo Clearing. He is currently based in Escalon, CA. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services supported by model portfolios, third-party asset managers, and institutional platforms.