Zachary Seelbach is a financial advisor with LPL Financial, holding a Series 66 designation and three years of industry experience. His prior roles include positions at Bank of America, Merrill, and BMO Bank. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management approaches supported by proprietary and third-party research.

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 industry experience, currently serving as a financial advisor at LPL Financial. He previously worked at Edward Jones, Stifel Nicolaus & Co Inc, Janney Montgomery Scott, Piper Jaffray & Co, and Northland Securities Inc. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Joseph Moricone is a financial advisor with Edward Jones in Acampo, California, holding a Series 66 designation. He has been affiliated with Edward Jones since 2023 and has prior experience in real estate and banking, including roles at Vision Forward Realty and Umpqua Bank. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of investment advisory programs and strategies. The firm manages approximately $1.01 trillion in assets under management through a nationwide network of financial advisors and branch offices.

Sean O’Neill is a CFP® professional with 15 years of experience, currently serving as a financial advisor at Edward Jones since 2011. He holds the Series 66 designation and operates out of Galt, CA. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management and offers a range of advisory solutions, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

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.

Benjamin Kobrin is a financial advisor at OSAIC with 22 years of industry experience and holds a Series 66 designation. His prior experience includes roles at Securities America Advisors and National Planning Corporation. He is also involved in insurance sales through Smith, Gatschet & Kobrin Financial Group, where he recommends insurance products as part of comprehensive financial planning. OSAIC serves a diverse range of retail and institutional clients, offering integrated brokerage and advisory services, financial planning, and access to third-party money managers. The firm employs various portfolio construction tools and supports both discretionary and non-discretionary account management across multiple investment types.

Julian Cruz Jr. is a financial advisor with LPL Financial, holding a Series 66 designation and 13 years of industry experience. He has worked at LPL Financial since 2023 and concurrently at Bank of the West and BancWest Investment Services since 2016. Cruz serves as a board member for the Community Center for the Blind & Visually Impaired. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement plan consulting through a national network of investment adviser representatives.

Scott Berner is a financial advisor with Thrivent Investment Management, holding a Series 66 designation and with 12 years of industry experience. He has been with Thrivent since 2013 and concurrently with THRIVENT Financial since 2014. Outside of his advisory role, Berner is an ordained pastor with Lutheran Congregations in Mission for Christ, conducting occasional weddings, funerals, and pulpit supply services for small rural congregations. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm focuses on holistic, goal-based planning across a broad range of financial topics, offering clients the option to combine planning with managed-account programs under a consolidated billing structure.

Jill Sidman is a financial advisor with Charles Schwab, holding a Series 66 designation and 19 years of industry experience. She 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 offers a combination of non-discretionary advisory relationships and access to affiliated discretionary separately managed accounts, supported by a centralized custody and operational infrastructure.

Christopher Brown is a financial advisor with LPL Financial in Stockton, CA, holding Series 63 and Series 65 credentials and accumulating 32 years of industry experience. He has been with LPL Financial since 2007. Brown operates Echelon Wealth Management as a related business activity. LPL Financial is a national investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement consulting services, utilizing research and model portfolios from internal and third-party sources.

Elizabeth Chapman is a financial advisor with Wells Fargo Clearing, holding a Series 66 credential and one year of industry experience. Her prior work includes roles at Centene Health Net Federal Services, Centene Health Net, BAC Community Bank, San Joaquin County Probation Department, and Wells Fargo and Co. 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 manages approximately $671 billion in assets and employs over 14,000 financial advisors, offering both brokerage and advisory solutions.

Anthony Bott is a financial advisor with Morgan Stanley in Stockton, CA, holding Series 63 and Series 65 licenses and having 18 years of industry experience. He has worked with Morgan Stanley since 2015 and has been part of Morgan Stanley Private Bank, N.A. since 2018. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, including tailored financial planning through dedicated advisors and estate planning groups. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and investment models to support its advisory services.

G. Keller III is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 credentials and possessing 26 years of industry experience. He has been with Cambridge Investment Research Advisors and Cambridge Investment Research, Inc. since 2008. Outside of his advisory role, he is involved in managing decisions related to rental properties in the Kansas City area. Cambridge Investment Research Advisors serves a broad range of clients including individuals, pension and profit-sharing plans, charitable organizations, trusts, and retirement-plan sponsors. The firm offers financial planning, investment management, retirement plan advisory, and financial-wellness services through independent Financial Professionals, using a variety of investment platforms and model-based solutions tailored to client objectives.

Beverly Mulligan is a financial advisor at Merrill with 15 years of industry experience. She holds the Series 66 designation and has been with Merrill since 2010. 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 and serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Dennis Morita is a financial advisor with Cetera, holding the CPA designation and bringing 26 years of industry experience. He has been associated with Cetera and its affiliate networks since 2000 and operates a full-time CPA business. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. It offers a range of portfolio management and retirement services through a multi-manager platform with over 10,000 advisors and $256 billion in assets under management.

Daniel Valencia is a financial advisor with Charles Schwab, holding a Series 66 designation and bringing 13 years of industry experience. He has been with Charles Schwab Bank, SSB and Charles Schwab & Co., Inc. since 2016. Charles Schwab & Co., Inc. serves a large client base, 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 offers a mix of non-discretionary and discretionary investment solutions, combining centralized custody and order-routing with access to alternative investments and cash-sweep services.

Peter Gibson is a financial advisor with Wells Fargo Clearing in Stockton, CA, holding a Series 66 license and 16 years of industry experience. He previously worked at Morgan Stanley Private Bank, National Association for six years before joining Wells Fargo in 2021. Outside of his advisory role, he has ownership interests in agricultural and land holding entities. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment options. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broader range of investment vehicles, such as insurance-related products and bank deposit sweep options.