Craig Massei is a financial advisor with Ameriprise Financial Services, holding a Series 66 designation and seven years of industry experience. He has been with Ameriprise since 2016. Outside of his advisory work, Massei is a freelance writer and reporter, contributing to the Associated Press as a Northern California correspondent and to American Sports Media. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing annual advice focused on retirement income planning, employing a non-discretionary implementation approach supported by a centralized service team.

Mark Stroup is a financial advisor at LPL Financial with 20 years of industry experience. He holds a Series 66 designation and has previously worked with Stroup & Silcox Inc and Waddell & Reed, Inc. Outside of his advisory role, he acts in a fiduciary capacity for the Stroup Family Trust. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a broad range of financial planning and investment management services, including model portfolios, third-party asset management, and institutional platforms.

George Walters is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and 43 years of industry experience. He has worked at Cetera and Cetera Wealth Services since 2013. Outside of his advisory role, he is involved in fixed insurance sales through California Asset Management and owns a group retirement insurance business. Cetera Investment Advisers LLC serves a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options, discretionary and non-discretionary services, and access to third-party money managers.

Frank Feng is a financial advisor with LPL Financial in Stockton, CA, holding the CFP® and ChFC® designations and possessing 34 years of industry experience. Before joining LPL Financial in 2021, he worked for 24 years at Cuna Mutual Group. 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 and access to various model portfolios and institutional platforms.

Amrinder Dhaliwal is a financial advisor at Wells Fargo Clearing with 16 years of industry experience. He holds Series 65 and Series 63 licenses and has previously worked at LPL Financial, Bank of the West, BancWest Investment Services, J.P. Morgan Securities, and Chase Investment Services Corp. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Reijer Groenveld is a financial advisor with Edward Jones in Tracy, CA, holding a Series 66 designation and nine years of industry experience. He has been with Edward Jones since 2017. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including high-net-worth households and charitable organizations. The firm manages approximately $1.01 trillion in assets under management and offers a range of discretionary and non-discretionary investment strategies supported by a large nationwide network of financial advisors and branch offices.

Francesco Quacinella is a financial advisor at Merrill with over 40 years of industry experience. He has worked at Merrill since 1983 and has also been with Bank of America, N.A. since 2011. Quacinella holds Series 63, Series 65, and Series 66 licenses. Outside of his advisory role, he serves as a committee member for the Healing Hearts Society, a charitable organization that provides grants to families experiencing the death of a child. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Anand Hundal is a financial advisor at Charles Schwab with four years of industry experience. He previously worked at Fisher Investments for four years and has held roles at Charles Schwab Bank since 2025. Hundal was also involved with the SK Vllzania Basketball Club in 2021. Charles Schwab 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts, using multi-asset model portfolios and due diligence-supported alternative investment options.

Theresa Trayner is a financial advisor at Edward Jones in Tracy, CA, holding a Series 66 designation with three years of industry experience. She has worked at Edward Jones since 2012. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a range of discretionary and non-discretionary investment strategies, including separately managed accounts and affiliated mutual funds, and operates under a fiduciary standard.

Gregory Hoekman is a CFP® with 16 years of industry experience, currently serving as a financial advisor at Cetera since 2020. His prior work includes roles at Wells Fargo Clearing and Wells Fargo Bank. He is a director of the Estate Planning Group of Stanislaus County and a board member at Calvary Church Foundation, where he participates in funding decisions and charitable giving education. Cetera Investment Advisers LLC is an SEC-registered advisor supporting individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of over 10,000 advisors. The firm offers a multi-manager platform with a range of portfolio management options, discretionary and non-discretionary services, and access to third-party money managers.

Randall Weaver is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he has been employed since 1991. He works with entrepreneurs, executives, retirees, affluent individuals, and their families to align their financial goals with asset, liability, and risk management strategies. In 2001, he helped form The BWS Group, which focuses on simplifying clients' financial lives and delivering integrated wealth management strategies in coordination with clients' legal and tax professionals. Randall holds several professional designations including CERTIFIED FINANCIAL PLANNER (CFP), Chartered Retirement Planning Counselor (CRPC), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He contributes to the development of examination questions for the CFP Certification Examination and serves as a Senior Portfolio Advisor in Merrill Lynch's Investment Advisory Program. He earned a Bachelor of Science degree in Agricultural Business from California State University, Fresno. A second-generation Californian, Randall enjoys traveling and exploring the outdoors with his family. His personal interests include camping, fishing, hiking, scuba diving, skiing, and spending time with his family.

Michael Haley is a financial advisor with LPL Financial in Stockton, CA, holding a Series 63 designation and 38 years of industry experience. He has worked at LPL Financial since 2017, following 18 years at National Planning Corporation, and has been affiliated with the Bank of Stockton since 1993. Haley serves as a for-profit board member and audit committee member at Golden Bear Insurance Company. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions. The firm offers financial planning, model portfolios, third-party asset management, and institutional platforms, supporting over 22,800 advisors and managing more than $819 billion in discretionary assets.

Shane Mccurry is a financial advisor at Wells Fargo Clearing with 18 years of industry experience. He holds a Series 66 designation and has previously worked at BancWest Investment Services and BANK OF THE WEST. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party databases.

Philip Benson is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has been with Merrill since January 1987 and has held leadership roles including managing the Stockton, CA office for 24 years and serving as Senior Resident Director of the 101 California Street office in San Francisco. Since June 2018, he has focused on client service and leadership of The BWS Group in Stockton, dedicating his efforts to wealth management strategies that address clients' concerns about financial security. Mr. Benson’s expertise encompasses the implementation of coordinated strategies for the accumulation, preservation, use, and transfer of wealth. He holds several professional designations including CERTIFIED FINANCIAL PLANNER (CFP), Certified Investment Management Analyst (CIMA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), and Personal Investment Advisor (PIA). He earned a Bachelor of Science degree in Agricultural and Managerial Economics from the University of California, Davis. Beyond his financial career, Mr. Benson umpired major college baseball games across the United States until his retirement in 2013, including being selected as one of eight umpires to work the 2012 Division I College World Series. He resides in Walnut Grove, California with his wife, Stacy Ann Enos, and has one son, Patrick, who is also a Merrill Financial Advisor.

Efrain Velasquez is a financial advisor at Merrill with one year of industry experience. He holds a Series 66 designation and has worked at Merrill and Bank of America, N.A., as well as Wells Fargo. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services for Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm provides a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Michaela Sobrero is a financial advisor at Ameriprise with two years of industry experience. She holds a Series 66 designation and has previously worked at Aldos Italian Ice and Gelato. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets, combining research-driven models and tax-efficient strategies to deliver tailored recommendation reports.

Jamie Ince Santikham is a financial advisor at Ameriprise with 25 years of industry experience. He holds a Series 66 designation and has previously worked at Wells Fargo Clearing, Wells Fargo Investments, Bancwest Investment Services, and UBS Financial Services. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.