Michael Grover is a CFP®-credentialed financial advisor with 40 years of industry experience, currently with Raymond James Financial Services Advisors, Inc. since 2012. He is based in Modesto, CA, and is a partner in a local real estate business. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a wide range of clients, including individuals, institutions, and charitable organizations, employing analytical tools and risk profiling to tailor investment strategies.

Michael Lynch is a financial advisor at Merrill with 25 years of industry experience. He holds the Series 66 designation and has been with Merrill since 2000, also working at Bank of America since 2009. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary strategies to individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Angelina Vivanco is a financial advisor at Merrill with a Series 66 designation and seven years of experience in the industry. Prior to her current role, she worked at IN N OUT Burger for six years and at Rio Vista High School for six years. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Justin Grover is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds a Series 66 designation and has 10 years of industry experience. Grover has also operated Grover Financial Group since 2018 and currently serves as a finance and investment committee member for First Tee, a national nonprofit where he teaches golf to children. Raymond James Financial Services Advisors offers financial planning, investment consulting, and advisory services to a diverse client base that includes individuals, high-net-worth clients, corporations, and institutional clients. The firm provides non-discretionary planning and consulting tailored to client goals, utilizing analytical tools and risk profiling to support decision making.

Caleb Kimball is a Series 66-licensed advisor with LPL Financial, based in Modesto, CA, and has been in the industry since 2016. He previously worked at Hogin Financial & Insurance Services, Inc. for five years before joining LPL Financial in 2022. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to model portfolios, with emphasis on advisory solutions supported by research and technology tools.

Zachary Seelbach is a financial advisor with LPL Financial, holding a Series 66 designation and three years of industry experience. Prior to joining LPL Financial, he worked at BMO Bank, Bank of America, Merrill, and had early career experience in the automotive retail sector. 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 range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

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 experience in the financial services industry. He is currently with LPL Financial, having joined in 2024, and previously worked at firms including Edward Jones, Stifel Nicolaus, Janney Montgomery Scott, Piper Jaffray, and Northland Securities. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm provides a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

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.

Russell Ballew is a financial advisor with Raymond James Financial Services Advisors, Inc., holding a Series 66 credential and bringing 19 years of industry experience. He has been with Raymond James since 2014. Outside of advising, he is the author of the book *Propitiate the Gods*. Raymond James Financial Services Advisors, Inc. offers financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, institutions, and charitable organizations. The firm provides tailored, non-discretionary advisory services supported by analytical tools and maintains a notable presence in municipal and public finance through its affiliations and specialized programs.

Supreet Bhachoo is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 credentials and eight years of industry experience. He has been with Wells Fargo Clearing since 2017 and has been affiliated with Wells Fargo Bank, NA since 2007. 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 investment options such as insurance-related vehicles and bank deposit sweep programs.

Julian Cruz Jr. is a Series 66-credentialed financial advisor with 13 years of industry experience. He is currently with LPL Financial and has previously worked at Bank of the West, BancWest Investment Services, and Edward Jones. He serves as a board member of the Community Center for the Blind & Visually Impaired. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and asset management solutions, utilizing both model portfolios and customized strategies.

Gregory Weaver is a financial advisor with OSAIC, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He previously worked for Securities America Advisors, Inc. and Securities America, Inc. for 12 years. Outside of his advisory role, he manages several family-owned single-family rental homes. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services with a focus on portfolio construction using asset-allocation tools, risk assessment, and automated rebalancing across a wide range of investment types.

Jacob Gunter is a financial advisor at OSAIC with 13 years of industry experience. He holds the ChFC® designation along with Series 63 and Series 65 licenses. His prior experience includes roles at Securities America Advisors, Bank of the West, BancWest Investment Services, and Horace Mann Investors. Gunter is the owner of Gunter Wealth Solutions Inc., operating under the DBA GnarledOak Financial, and also serves as a field agent for Anchor Legal, assisting clients with estate document applications. OSAIC Wealth, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations through a large network of advisors and platforms. The firm offers integrated brokerage and advisory services, utilizing asset-allocation tools and automated rebalancing to manage portfolios that may include stocks, bonds, options, mutual funds, ETFs, and alternative investments.

Jerardo Cruz is a financial advisor with Primerica Advisors in Modesto, CA, holding Series 63 and Series 65 licenses and with 10 years of industry experience. He has been with Primerica Advisors since 2016 and has worked at Primerica Financial Services since 2013. Outside of advising, he is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed accounts. The firm uses third-party asset managers and custodians like BNY Mellon Advisors and Pershing, offering a tiered wrap-fee structure and maintaining authority over model selections.

Jill Sidman is a financial advisor at Charles Schwab with 20 years of industry experience. She holds a Series 66 designation and 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 combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and uses multi-asset model portfolios with strategic asset allocation.

Gagandeep Kaur is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 11 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously with Wells Fargo Advisors, LLC. Additionally, she owns an online clothing business called Charkha Couture. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice grounded in modern portfolio theory and tailored to plan objectives and risk tolerances.