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.

Sean Friesen is a financial advisor with LPL Financial, holding a Series 66 designation and bringing four years of industry experience. He has worked at LPL Financial since 2019 and has additional experience with Golden 1 Credit Union and Sacramento Hyundai. 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 financial planning, advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Karri Ehrhart is a financial advisor with Ameriprise in Lodi, CA, holding a Series 66 designation and eight years of industry experience. Prior to joining Ameriprise in 2018, Ehrhart worked at Holiday Inn Express from 2015 to 2018. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement who meet specific eligibility criteria, providing written Recommendation Reports that address income sources, Social Security claiming options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized retirement-income consulting team.

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.

Jose Guerrero Moreno is a financial advisor at Fidelity with five years of industry experience and holds a Series 66 designation. His prior work includes roles at Bank of America, Merrill, American Life Income, Sprint, and Arch Telecom. Fidelity's Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors, offering discretionary and non-discretionary portfolio management, fund advisory, and model portfolio delivery. The firm utilizes proprietary fundamental research combined with quantitative analysis and algorithmic portfolio construction, incorporating systematic methodologies and long-term asset allocation benchmarks.

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.

Felica Ramos is a financial advisor at Morgan Stanley in Stockton, CA, with 13 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Morgan Stanley since 2008, with brief tenures at New York Life Insurance Company and NYLIFE Securities LLC. Ramos is the founder and a board member of The Guyton Ramos Family Foundation, which focuses on art, culture, education, and community support for children and youth. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and financial planning services. The firm employs structured planning tools and investment models to support tailored financial strategies and manages approximately $2.74 trillion in client assets.

Blair Hake is a financial advisor with Ameriprise in Stockton, CA, holding a Series 66 designation and 25 years of industry experience. He has been with Ameriprise and its related entities since 2005. Outside of advising, he serves on the Board of Directors for the California Delta Chambers and Visitors Bureau, is a trustee at Humphreys College, acts as treasurer for the Stockton Host Lions Club, and is president of Friends of Swenson. Ameriprise provides retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver written recommendation reports. The firm offers a wide range of advisory, brokerage, and insurance solutions through its affiliated companies.

Charles Christensen is a financial advisor at Ameriprise with 31 years of industry experience. He holds a Series 63 designation and has been with Ameriprise and its affiliates since 2005. Outside of his advisory role, he serves on the Board of Directors for the Modesto Band of Stanislaus County. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary recommendation reports through a centralized consulting team.

Douglas Bott is a financial advisor with Morgan Stanley based in Stockton, CA, holding a Series 66 designation and having 25 years of industry experience. He has been with Morgan Stanley Private Bank, N.A. since 2015 and with Morgan Stanley Smith Barney LLC since 2012. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm uses structured planning tools and various investment strategies to support its advisory services.

Sukhvinder Thiara is a Wealth Management Advisor based in the Stockton, California Merrill Lynch Wealth Management office. He joined Merrill Lynch in 2011 and specializes in developing financial strategies and recommendations for high-net-worth individuals, their families, and businesses to support their short- and long-term financial goals. Sukhvinder’s approach to wealth management is consultative and objective, involving thorough review of clients’ financial situations and preferences, tailored asset allocation recommendations, and ongoing discussions covering investments, retirement planning, philanthropy, and estate planning in collaboration with clients’ advisors. Sukhvinder holds the CERTIFIED FINANCIAL PLANNER™ designation and is registered with FINRA Series 7 and Series 66. He earned a Bachelor of Arts in Biological Sciences from the University of California, Davis in 1996 and a Master of Business Administration in Finance from California State University, Hayward in 2003. In addition to English, he is fluent in Spanish and Punjabi. Outside of his professional work, Sukhvinder is involved in coaching youth sports in Lodi, California. He lives in Lodi with his wife, Arvinder, and their two children.

George Lorente is a financial advisor with LPL Financial in Lodi, CA, holding a Series 63 designation and 32 years of industry experience. He previously operated Lorente Professional Suites for 15 years and worked with Waddell & Reed, Inc. and various insurance carriers for nearly three decades. Beyond advising, he conducts motivational speaking engagements. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual investors, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing model portfolios and research from multiple sources to support diverse investment strategies.

Alfonso Estrella is a Senior Financial Advisor and Vice President at Merrill Lynch Wealth Management. In his role, he utilizes a disciplined process to deliver a consistent yet customized wealth management experience. Alfonso assists clients in establishing their financial objectives, developing appropriate strategies, and making recommendations that leverage the breadth and depth of Merrill Lynch Wealth Management. He conducts regular reviews to help clients assess their progress and adjust strategies in response to changes in their personal or business circumstances. Alfonso holds the designation of Personal Investment Advisor (PIA) and earned his High School Diploma from Hueneme. He follows a philosophy that emphasizes understanding clients' life priorities, focusing not only on markets and returns but also on what matters most to each individual. Alfonso maintains an active connection to his community through volunteer work. His personal interests include cooking, photography, spending time with family, and watching movies.

Ernesto Martinez is a financial advisor at J.P. Morgan Securities with nine years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously with Wells Fargo Clearing and Wells Fargo Bank, N.A. Martinez is also involved in managing rental properties in Stockton, California. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework when recommending strategies.

Jeremy Silcox is a financial advisor with LPL Financial, holding a Series 66 license and bringing 25 years of industry experience. He has previously worked with Waddell & Reed, Inc. and various insurance carriers over a 20-year period and served on the board of the Tracy Unified School District starting in 2022. LPL Financial, where Silcox is currently based, 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 broad range of financial planning and advisory programs, utilizing both discretionary and non-discretionary strategies supported by research and technology.