Wilton Owyang is a financial advisor at Morgan Stanley with 27 years of industry experience. He holds Series 63 and Series 65 credentials and has worked previously at Wells Fargo Clearing and Wells Fargo Advisors LLC. Outside of his advisory role, he is a partner in Skin Specialists LLC, a retail and online store based in Fresno, California. Morgan Stanley Wealth Management provides a range of advisory programs to both individual and institutional clients, emphasizing tailored financial planning supported by firm-approved tools and structured discovery conversations.

Liliana Lopez Garcia is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and seven years of industry experience. She has been with Wells Fargo Clearing Services LLC since 2018 and has also worked at Wells Fargo Bank, N.A. since 2012. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a broad range of financial product offerings including insurance-related vehicles and bank deposit sweep options.

Sonny Botello is a financial advisor with Wells Fargo Clearing in Fresno, CA, holding Series 63 and Series 65 licenses and 16 years of industry experience. He has worked with Wells Fargo Advisors LLC and Wells Fargo Bank, N.A. prior to his current role. Botello serves on the advisory board of the CSU Money Management Center, where he participates in financial literacy initiatives and budget reviews. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages roughly $671 billion in assets and offers both brokerage and advisory solutions.

Robert Garabedian is a financial advisor with Morgan Stanley in Fresno, CA, holding a Series 63 designation and bringing 50 years of industry experience. He has worked with Morgan Stanley Smith Barney since 2009 and with Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory role, he serves on the finance committee of the Charlie Keyan Armenian Community School, a nonprofit organization. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a wide range of advisory programs to individuals and institutions. The firm emphasizes structured financial planning supported by firm-approved tools and serves clients with both direct and employer-sponsored plans.

Albert Linker Jr. is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 35 years of industry experience. His prior roles include positions at Cetera Advisors LLC, First Allied Advisory Services, and his own firm, Linker Financial Group, Inc. He is also the owner of Healthcare Resource Services, LLC, a business unrelated to investment advisory services. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individual and institutional clients through a large network of investment adviser representatives. The firm offers a range of advisory and brokerage services, including financial planning, retirement plan consulting, and model portfolio management, incorporating both discretionary and non-discretionary strategies.

Benjamin Monreal is a financial advisor with LPL Financial in Fresno, CA, holding a Series 63 designation and 36 years of industry experience. He has been with LPL Financial since 2001. Outside of his advisory work, he is involved with the Fig Garden Swim & Racquet Club in Fresno. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving a wide range of clients including individuals, retirement plans, banks, and charitable organizations, offering various advisory programs and financial planning services through its network of investment adviser representatives.

Cherlyn Rugg is a financial advisor at Morgan Stanley with a Series 66 designation and two years of industry experience. She has been with Morgan Stanley since 2023 and has prior work experience in retail and hospitality sectors as well as academic involvement at the University of California, Irvine. 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, including tailored financial planning that utilizes structured discovery conversations and firm-approved planning tools.

Brent Folland is a financial advisor with UBS Financial Services in Fresno, CA, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been with UBS Financial Services Inc. since 2008. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client strategies.

Zachary Harless is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 credentials and 15 years of industry experience. He has been with Wells Fargo since 2013. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions. The firm’s process is IPS-driven and incorporates modern portfolio theory, with a broader range of financial product options including insurance-related vehicles and bank deposit sweep programs.

Craig Vitale is a financial advisor with Cetera, holding a Series 66 credential and 24 years of industry experience. He has worked at Cetera and affiliated entities since 2002. In addition to his advisory role, Vitale is a CPA and an employee at Dristas Groom McCormick LLP, an accounting firm specializing in tax and financial services. Cetera Investment Advisers LLC is a large SEC-registered firm serving individual, corporate, charitable, and institutional clients through a nationwide network of over 10,000 advisors. The firm offers a range of investment management and retirement services with multiple program structures and access to third-party managers.

Daniel Onsurez is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and seven years of industry experience. His prior roles include positions at Bank of America, Merrill, J.P. Morgan Securities, and service in the United States Marine Corps. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Michael Grannis is a Series 66-licensed financial advisor with Wells Fargo Clearing, based in Fresno, CA, and has 18 years of industry experience. He has been with Wells Fargo Clearing since 2016 and has prior experience at Wells Fargo Bank NA and Wells Fargo Advisors, LLC. He serves as a board member of the Fresno Estate Planning Council. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services grounded in modern portfolio theory. The firm’s approach includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Paul Forbes is a financial advisor at LPL Financial with 20 years of industry experience. He holds the Series 66 designation and has been with LPL Financial since 2009. Based in Fresno, CA, he provides advisory services through one of the largest independent broker-dealers in the industry. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations via a national network of investment adviser representatives. The firm offers a broad range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Richard Ahronian is a financial advisor with Morgan Stanley in Fresno, CA, holding Series 63 and Series 65 credentials and possessing 55 years of industry experience. His career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets. Outside of finance, he is the sole proprietor of an agricultural farm in Fowler, California. Morgan Stanley Wealth Management provides advisory and brokerage services to both individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm employs structured planning tools and a range of investment programs to serve a diverse clientele.

Meagan Daniels is a financial advisor at Wells Fargo Clearing with a Series 66 designation and three years of industry experience. Her prior roles include positions at First Command Insurance Services and First Command Brokerage Services. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is based on investment policy statements and modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Drew Williams is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and three years of industry experience. He has been with Wells Fargo Clearing since 2021 and has also worked at Wells Fargo Bank, N.A. since 2017. Prior to his financial services career, he was employed at Applebee's for seven years. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Keith Orsaba is a Senior Portfolio Advisor at Merrill Lynch Wealth Management. In his role, he works closely with business owners, high-earning professionals, and families to develop personalized financial strategies focused on tax-efficient investing, retirement income planning, and preparing for major financial transitions. He aims to help clients make informed and confident financial decisions by aligning investments and income needs with their long-term planning priorities. Keith's expertise includes family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, philanthropic planning, small business strategies, tax minimization, and retirement income. He holds professional designations as a Certified Exit Planning Advisor (CEPA) and Personal Investment Advisor (PIA). He earned a Bachelor's Degree from Fresno Pacific University. Beyond his professional work, Keith enjoys spending time with his family and engaging in outdoor activities such as hiking, fishing, camping, baseball, basketball, football, softball, hunting, and table tennis. He values his faith and has a background as a firefighter, which contributes to his connection to the outdoors and community.

Kevin Sweeney is a financial advisor with Wells Fargo Advisors in Fresno, CA, holding a Series 66 designation and 24 years of industry experience. He has worked at various Wells Fargo entities since 2011. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and financial planning services to individuals, trusts, and institutional clients through a network of financial advisors. The firm offers a broad range of planning services and uses proprietary research and tools to develop tailored recommendations for clients.

Mark Ruof is a CFP® professional with 42 years of industry experience. He is currently with RBC Capital Markets and City National Bank, having worked at RBC Capital Markets since 2009 and City National Bank since 2020. Ruof serves on the board of directors for the Leon S Peters Foundation and the CSU Football Foundation, where he participates in financial reviews and budget committees. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations, offering tailored portfolio management and advisory services through various programs and a mix of in-house and third-party investment managers.

Thai Vang is a financial advisor at J.P. Morgan Securities with 18 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at various J.P. Morgan entities since 2009. J.P. Morgan Securities LLC 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 operates both as a broker-dealer and investment adviser, delivering advisory services alongside affiliated brokerage, distribution, and investment management capabilities.