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.

Leonilo Garces is a financial advisor with Wells Fargo Clearing based in Stockton, CA. He holds a Series 63 designation and has 35 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. 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 services. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in its investment menus.

Jordon Chee is a Wealth Management Advisor at Merrill Lynch Wealth Management. He works alongside a team of specialists to offer goals-based wealth management services tailored to accomplished professionals and successful business owners. He is committed to cultivating long-lasting relationships through exceptional service, customized advice, and a disciplined investment approach. Jordon's areas of expertise include college education planning, personal retirement planning, and retirement income. He holds several professional designations: CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned his Bachelor's degree from Sonoma State University. In addition to his professional work, Jordon participates in community volunteering activities aligned with the Merrill tradition. His personal interests include basketball, camping, football, golfing, hiking, music, spending time with his family, tennis, traveling, and watching movies.

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.

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.

Richard Weeks is a financial advisor at Osaic with 32 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at Woodbury Financial Services, CETERA Advisor Networks, and Independent Financial Group. In addition to his advisory role, he sells life and health insurance policies and assists clients with claiming unclaimed property in California. Osaic Wealth, Inc. serves a broad mix of retail and institutional clients through a large network of affiliated financial advisers and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, employing asset-allocation tools and access to third-party money managers to construct diversified portfolios.

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.

Oscar Barraza Llamas is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. His prior work includes roles at Bank of America, JP Morgan Chase, Flagstar Bank, Financial Center Credit Union, and Toyota Town of Stockton. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

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.

Ryan Daley is a financial advisor with Raymond James Financial, holding Series 65 and Series 63 designations and bringing 18 years of industry experience. He has held roles at several firms, including BBVA Wealth Solutions and Compass Bank, and currently operates Hickingbottom Financial Services in a financial services capacity. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to individual, high-net-worth, corporate, and institutional clients. The firm offers non-discretionary planning tailored to client goals and supports a broad advisor network with specialized municipal and public finance services.

Patrick Ryan is a financial advisor with Merrill, holding Series 63 and Series 66 licenses and bringing 15 years of industry experience. He previously worked at J.P. Morgan Securities for three years before joining Merrill and Bank of America in 2015. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Michael Mccay is a financial advisor with OSAIC, holding Series 63 and Series 65 designations and bringing 38 years of industry experience. His prior roles include positions at Woodbury Financial Services, Inc. and Questar Capital Corporation. Outside of finance, he owns and operates McCay Cellars, a winery involved in grape farming and winemaking. OSAIC serves a diverse client base including individual investors, pension plans, corporations, and charitable organizations, offering integrated brokerage, advisory services, and access to multiple investment platforms. The firm employs various asset-allocation tools and supports both discretionary and non-discretionary account management, with a broad investment offering that includes stocks, bonds, options, mutual funds, ETFs, and alternative investments.

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.

Katherine Lindell is a financial advisor at Edward Jones in Stockton, CA, holding the ChFC® and Series 66 designations with 12 years of industry experience. She has been with Edward Jones since 2013. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment strategies supported by a large nationwide network of financial advisors and branch offices.

Brooks Randolph is a CFP® professional with five years of experience in financial services. He is currently affiliated with Cetera and also holds roles with Valley Financial Services and B&A Financial Inc. Outside of his advisory duties, Randolph has been involved with tutoring and community organizations in prior years. Cetera Investment Advisers LLC is a large SEC-registered firm serving individual, corporate, retirement plan, charitable, and institutional clients nationwide. The firm offers a multi-manager platform with access to a range of portfolio management strategies, including discretionary and non-discretionary services and third-party money managers.

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.