Daniel Christ is a CFP® with 38 years of experience in the financial industry, currently serving at Wells Fargo Clearing since 2016. He previously worked at Wells Fargo Advisors LLC from 2009 to 2016. He is a board member of the San Joaquin County Estate Planning Council, where he assists in finding speakers for member meetings. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advisory options. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broad range of investment vehicles, such as insurance-related products and bank deposit sweep options.

Silvia Hernandez is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 credentials and six years of industry experience. She has worked with Wells Fargo Clearing Services LLC since 2018 and has been with Wells Fargo Bank NA since 2011. Outside of her advisory role, she works part-time as a warehouse associate. 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 and tailored to plan objectives and risk tolerances.

Casey Knowles is a Series 66-licensed financial advisor with Morgan Stanley in Stockton, CA, bringing 25 years of industry experience. He has been with Morgan Stanley and its Private Bank since 2016. Outside of his advisory role, Knowles is the sole proprietor of Knowles Vineyard, a farming operation in Lodi, California. Morgan Stanley Wealth Management provides a wide range of advisory programs and financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm employs a structured planning process that includes scenario modeling and offers both direct and employer-sponsored financial plans.

Eric Tillotson is a financial advisor at Raymond James Financial with 24 years of industry experience. He holds a Series 66 designation and has worked at Raymond James since 2021, previously holding various roles at BBVA entities from 2009 to 2021. In addition to his advisory work, he serves as an independent contractor at Hickingbottom Financial Services, where he meets with clients to discuss investments and provide recommendations. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to individuals, high-net-worth clients, institutions, and organizations. The firm provides tailored, non-discretionary planning and consulting using analytical tools and supports its clients through a broad advisor network and specialized advisory programs.

Eduardo Zeiter is a financial advisor at Ameriprise with 19 years of industry experience. He holds the Series 66 designation and has been with Ameriprise and its affiliated entities since 2008. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement who meet specific asset criteria, delivering written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis in its approach and offers a broad range of advisory, brokerage, and insurance solutions through affiliated companies.

Alfred Ruiz is a financial advisor with Ameriprise in Tracy, California, holding a Series 63 designation and 39 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, Ruiz serves on the Board of Directors of the Tracy Sunrise Rotary Club and has co-ownership interests in a family vineyard producing wine grapes. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement, combining research and modeling with tax-efficient strategies. The firm provides a broad range of advisory, brokerage, and insurance solutions through its large institutional platform.

Brian Soon is a Wealth Management Advisor with Merrill Lynch Wealth Management and a member of The BWS Group since its inception in 2001. He began his career with Merrill Lynch Wealth Management in 1997 and focuses on developing and implementing customized wealth management plans for clients. Brian acts as a client relationship manager, overseeing the application of the Group’s tailored wealth management process and client service commitment. His areas of expertise include college education planning, family wealth management strategies, liquidity management, managing new wealth, personal retirement planning, portfolio management services, tax minimization, and retirement income. Brian holds the CERTIFIED FINANCIAL PLANNER (CFP) designation as well as the Personal Investment Advisor (PIA) credential. He earned a bachelor’s degree from the University of California system and a master’s degree from the California State University system. Outside of his professional endeavors, Brian enjoys golfing, running, and spending time with his family.

Augustine Azevedo is a financial advisor with LPL Financial, holding a Series 66 license and 17 years of industry experience. He previously worked at Wells Fargo Clearing and WELLS FARGO Advisors, LLC for a combined 15 years. Outside of advising, he co-owns the Azevedo Marketing Group LLC, which focuses on e-commerce website programming and marketing, and he is the author of a book titled "C Fear and Succeed Anyways." LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, and charitable organizations. The firm offers a variety of advisory programs, financial planning, and brokerage services, supported by research and technology-driven portfolio management options.

Kevin Wilson is a financial advisor at Cetera with 18 years of industry experience and holds a Series 66 designation. Prior to joining Cetera in 2023, he worked at Voya Financial Advisors for seven years and has also been involved in entrepreneurial ventures, including Proclaim Promotions from 2000 to 2021. He is licensed as an independent insurance agent and has experience managing properties through his role at 2727 Alamo Court, LLC. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients, including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers portfolio management, financial planning, and access to multiple investment programs through a large network of independent advisors.

Christopher Bott is a financial advisor with LPL Financial in Antioch, CA, holding Series 63 and Series 66 licenses and bringing 19 years of industry experience. Prior to joining LPL in 2019, he worked at Royal Alliance Associates, Inc. for six years and has been involved with ABC Emergency Management Seminars, providing First Aid and CPR training since 2007. He has also spent over a decade with Pacific Pension and Benefit Service Inc. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting services, utilizing both discretionary and non-discretionary management approaches supported by research from LPL and third-party subadvisors.

Brian Rambo is a CFP® certificant with 21 years of industry experience, currently affiliated with OSAIC. He has previously worked at Securities America Advisors, Inc. for 15 years. Brian also owns Rambo Wealth Management, a commission-based firm involved in investment management, life insurance, and variable annuity sales. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and nonprofit investors, offering integrated brokerage and advisory services with access to multiple investment platforms and third-party managers. The firm employs asset-allocation tools and automated rebalancing to manage portfolios across various asset classes.

John Kjerulf is a financial advisor at OSAIC with nine years of industry experience. He holds a Series 66 designation and previously worked at Securities America Advisors and Edward Jones. Prior to his advisory career, he operated Kjerulf Law for two years. OSAIC serves a broad mix of retail and institutional clients through an extensive network of advisors and offers integrated brokerage and advisory services, financial planning, and access to third-party money managers. Its investment approach includes asset-allocation tools, risk-tolerance questionnaires, and automated rebalancing across various asset classes.

Hanane Bettahi is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing nine years of industry experience. She has been with J.P. Morgan Securities since 2016 and is also the owner of Classic Limousine Service Inc., where she manages dispatching, payroll, and invoicing. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice and customized performance reporting through a combination of advisory and brokerage capabilities.

Michael Bott is a financial advisor with Morgan Stanley in Stockton, California. He holds a Series 66 credential and has one year of industry experience. Prior to joining Morgan Stanley, he worked at Harmony Communities, US Bank, and Summit Funding. Outside of his advisory role, he manages a single-family rental property. 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 and financial planning services that utilize structured discovery processes and planning tools to support client financial goals.

Nicholas Tidwell is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and 12 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously was with Wells Fargo Advisors and Wells Fargo Bank. 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 a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Neal Fearn is a Certified Financial Planner (CFP®) with over 33 years of industry experience, currently serving at Morgan Stanley since 2009. He is also affiliated with Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutions, offering customized financial planning supported by structured discovery processes and firm-approved analytical tools. The firm manages approximately $2.74 trillion in client assets and delivers services through a combination of direct client relationships and corporate financial planning agreements.

Adam Massey is a financial advisor at Fidelity with seven years of industry experience. He holds the Series 63 and Series 66 designations and previously worked at Wells Fargo Clearing Services and Wells Fargo Bank. Outside of his advisory role, Massey operates a photography services business as an independent contractor. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios across mutual funds, ETFs, and ETPs.

Matt Corkern is a financial advisor with Morgan Stanley in Stockton, CA, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2011. Outside of his advisory role, he is involved with family and private real estate investment entities. Morgan Stanley Wealth Management serves individual and institutional clients with a broad range of advisory programs, including tailored financial planning supported by firm‑approved tools and strategies. The firm manages approximately $2.74 trillion in client assets and offers services that encompass both direct client plans and corporate financial planning agreements.

David Simpson is a financial advisor with LPL Financial, holding a Series 66 designation and 27 years of industry experience. He previously worked at Independent Financial Group for 16 years and has operated his own firm, David A. Simpson, Inc., since 1989. In addition to his advisory work, he is involved in tax preparation and bookkeeping through his own accounting business. 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 financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and technology-driven solutions.

Nadeem Alam is a financial advisor at J.P. Morgan Securities with 18 years of industry experience. He holds Series 63, 65, and 66 credentials and has been with J.P. Morgan Securities LLC since 2016. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm’s approach combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.