Robert Runyan is a financial advisor with Morgan Stanley in Modesto, California, holding a Series 63 designation and over 35 years of industry experience. He has worked at Morgan Stanley since 2009, including roles at Morgan Stanley Smith Barney and Morgan Stanley Private Bank, National Association. Outside of his advisory work, he is involved in agricultural pursuits as a general partner of Silver Creek Ranch and owns Gratton Ranch, and he serves as a board member of the Turlock Golf & Country Club. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, focusing on 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 its Financial Advisors and Estate Planning Strategies Group.

Kristin Smith is a financial advisor at Ameriprise with 11 years of industry experience. She holds Series 66 and Series 65 licenses and has worked at Ameriprise Financial Services since 2016. Outside of advising, she is involved in independent insurance brokering with a focus on fixed annuities through National Life Group. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on income sources and tax-aware withdrawal strategies.

Oscar Maldonado is a financial advisor with Morgan Stanley in Modesto, CA, holding Series 63 and Series 65 designations and three years of industry experience. His previous work includes roles at Wells Fargo Clearing, Vanguard Marketing Corporation, and The Vanguard Group, Inc. He has also worked with Pacific Advisors and Farmers Insurance Group Federal Credit Union. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers advisory programs focused on tailored financial planning supported by structured discovery conversations and firm-approved tools.

Pamela Miller Gonzales is a financial advisor with LPL Financial who holds Series 63 and Series 65 designations and has 23 years of industry experience. Her prior roles include positions at Merrill, Integral Investment Advisors, and SCF Investment Advisors. She is currently based in Hughson, California. 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 wide range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, with advice delivered primarily through investment adviser representatives using various discretionary and non-discretionary strategies.

Matthew Lattig is a financial advisor with Raymond James & Associates in Modesto, California, holding a Series 66 designation and 21 years of industry experience. He previously worked at Merrill from 2005 to 2017 before joining Raymond James in 2017. Outside of his advisory role, Lattig serves on the advisory board of the Women's Education and Leadership League, a nonprofit organization focused on providing resources to support women's advancement. Raymond James & Associates serves a broad client base, including individuals, institutional investors, and charitable organizations, offering financial planning and investment consulting through a range of portfolio management styles supported by firm research and affiliated sub-advisers.

Michael Joseph is a Financial Advisor with Merrill Lynch Wealth Management and a member of the Special Needs Team. Based in Modesto, he serves clients in the Greater Sacramento area and throughout Northern California. Michael applies over 10 years of experience to provide individualized financial guidance, working closely with business owners, professional fiduciaries, trust attorneys, and non-profit organizations to help them navigate complex financial landscapes and pursue their long-term goals. He holds the Chartered Retirement Planning Counselor™ (CRPC™) certification and the Personal Investment Advisor (PIA) designation. Michael earned a Bachelor's degree with a double concentration in operations and finance from California State University, Stanislaus. His expertise includes retirement planning, portfolio management, special needs planning strategies, services for endowments and non-profits, and retirement income planning. Michael and his team were recognized on Forbes' "Best-in-State Wealth Management Teams" list for 2023 and 2024. Outside of his professional role, Michael is involved with local community organizations, including his local church and the Salvation Army. He enjoys boating, camping, golfing, and skiing, and values balancing his career with personal interests and family life.

Brian Nash is a financial advisor with Morgan Stanley in Modesto, CA, holding a Series 66 designation and having 26 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and at Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a broad range of advisory programs, including tailored financial planning that employs firm-approved tools and methodologies without providing individual security recommendations as part of its standalone planning services.

Michael Schwitalla is a financial advisor at Edward Jones with 12 years of industry experience. He holds the Series 66 designation and has been with Edward Jones since 2013. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, with approximately $1.01 trillion in assets under management. The firm offers a range of advisory services, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Kristie Brown is a Vice President and Senior Financial Advisor with the Special Needs Team at Merrill Lynch Wealth Management. In her role, she functions similarly to a chief operating officer, managing a diverse set of responsibilities that include overseeing daily team operations, marketing, hiring, training, trading operations, business process improvements, and mentoring. Her focus is on enabling her team to deliver a unified client experience dedicated to the long-term financial well-being of individuals with special needs and their caregivers. Kristie collaborates closely with other special-needs professionals and family members to provide tailored financial advice and guidance. Kristie began her career at Merrill Lynch as an intern in 2011, joining the Special Needs Team full-time the following year, and has since taken on increasing responsibilities within the team. She holds a Bachelor's degree in Business Administration with a concentration in Finance from California State University – Stanislaus and maintains the Personal Investment Advisor (PIA) designation. Kristie's experience includes legacy planning, liquidity management, new wealth management, portfolio management services, special needs planning strategies, and women and wealth. Outside of her professional life, Kristie lives in Escalon, California, with her husband, Ryan, their two sons, Karson and Nolan, and their maltipoo, Bailey. She enjoys spending time with her family and friends, as well as outdoor activities such as camping and beach outings.

Curtiss Deoliveira is a CFP® professional with 34 years of industry experience. He has been with Osaic since 2025, following a 34-year tenure at Lincoln Financial Advisors Corporation. In addition to his advisory role, he is involved in insurance sales and service through Western Valley Insurance Associates, handling products such as life, disability, and long-term care insurance. Osaic Wealth, Inc. serves a wide range of retail and institutional clients through a large network of affiliated advisors, offering integrated brokerage and advisory services, financial planning, and access to third-party money managers. The firm utilizes firm-provided asset allocation tools and supports both discretionary and non-discretionary portfolio management.

B Gill is a Wealth Management Advisor and Senior Vice President at Merrill Lynch Wealth Management. With a career at Merrill starting in 1995, B Gill serves as a Portfolio Manager and holds several professional designations including the Retirement Accredited Financial Advisor (RAFA), Chartered Retirement Planning Counselor (CRPC), and Certified Plan Fiduciary Advisor (CPFA). B Gill's areas of expertise include retirement planning, college education planning, and retirement income strategies. Through a collaborative approach with Merrill Lynch Wealth Management and Bank of America specialists, B Gill offers a broad range of services such as retirement planning, life insurance analysis and funding, wealth preservation and transfer services, and lifetime income management. This approach is tailored to clients' risk tolerance, time horizon, liquidity needs, investment goals, and cost considerations. B Gill holds a Bachelor's Degree from Michigan State University and communicates fluently in English and Punjabi. Outside of professional commitments, B Gill has personal interests in baseball, golfing, and tennis.

Juan Acosta is a financial advisor with Morgan Stanley in Modesto, CA, holding Series 63 and Series 65 licenses and having 11 years of industry experience. His career includes roles at JPMorgan Securities LLC and JPMorgan Chase Bank from 2015 to 2019 before joining Morgan Stanley in 2019. 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 and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and market simulations.

Brandon Demers is a financial advisor at Merrill in Modesto, CA, with eight years of industry experience. He holds a Series 66 designation and has worked at Merrill and Bank of America since 2018. His prior work experience includes roles with Associated Students, Inc., Target, and Cold Stone Creamery. 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 for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Jeron Brown is a financial advisor at Edward Jones in Turlock, CA, holding a Series 66 designation with 15 years of industry experience. He has been with Edward Jones since 2010. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and operates a large nationwide network of advisors and branch offices.

Martin Ugalde is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 66 licenses and possessing 20 years of industry experience. Prior to joining Cambridge in 2016, he worked at Bank of America and Merrill Lynch from 2010 to 2016. Outside of his advisory role, he is involved in independent insurance sales and collects and trades collectible cards as a hobby. Cambridge Investment Research Advisors serves a diverse range of clients including individuals, pension and profit-sharing plans, charitable organizations, and trusts. The firm offers financial planning, investment management, retirement plan advisory, and financial wellness services through a network of independent advisors, utilizing both proprietary and third-party investment strategies tailored to client objectives.

Beatriz Buenrostro is a financial advisor at Merrill with eight years of industry experience. She holds the Series 66 designation and has worked at Bank of America, N.A. since 2018 while being with Merrill since 2011. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Karen Looper is a financial advisor at Morgan Stanley with 25 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at LPL Financial and BMO Bank NA. Outside of her advisory role, she is a member of J.L. Quality Consulting, LLC, a consulting business based in Oakdale, California. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers tailored financial planning and a broad range of advisory programs, managing approximately $2.74 trillion in client assets.

Darnell Simmons is a financial advisor at Merrill with seven years of industry experience. He holds a Series 66 designation and has worked at Merrill and Bank of America since 2019. Prior to his current roles, he was employed by Morgan Stanley, SolarCity Corporation, and Forest Hill Management, among others. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program for Bank of America fiduciary clients. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Bryan Nelson is a CFP® with 22 years of experience in the financial industry, currently serving as an advisor at LPL Financial. He has held prior roles at Orion Wealth Inc. and Securities America, Inc., accumulating extensive experience before joining LPL. Outside of his advisory work, Bryan operates a radio broadcasting business. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing a broad range of advisory and brokerage services to individuals, retirement plan participants, and institutional clients. The firm employs a variety of investment strategies and platforms, supported by advanced research and operational tools.

Derek Nan is the Managing Director and Senior Resident Director - Wealth Management Advisor at the Modesto Merrill Lynch Wealth Management Office. He joined Merrill in 2007 and leads an advisory team that serves California's agricultural, industrial, medical, and technology-based businesses, focusing on a disciplined, goals-based wealth management approach tailored to clients' unique needs. Derek's expertise includes planning-based financial advice, estate planning issues, money management, retirement planning, as well as small business and corporate 401(k) plans including defined benefit and cash balance plans. He holds a bachelor's degree in Economics from California State University of Stanislaus. Derek is a CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). His professional affiliations include membership in American Mensa, past presidency of Oakdale Sunrise Rotary, current membership in Modesto Sunrise Rotary, and involvement with the Modesto Sons of Italy. Derek has been recognized in Forbes "Best-in-State Wealth Advisors" list for 2025. He is a lifelong citizen of the Modesto area and is involved in community organizations. His business philosophy centers on being accessible, knowledgeable, and committed to building strong client relationships to help families make important financial decisions.