Michael Maddox is a financial advisor at Stifel with 19 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Stifel since 2021. Prior to joining Stifel, he held roles with several community organizations and educational institutions, including Victory Assembly of God Church and Modesto Christian School. Stifel serves a broad client base including individuals, institutional clients, and municipal entities, providing brokerage and advisory services supported by proprietary investment analysis and asset allocation methodologies from its Investment Strategy Group.

Angela Silva is a financial advisor at Edward Jones in Modesto, CA, holding a Series 66 designation with 15 years of industry experience. She has been with Edward Jones since 2010. Outside of her advisory role, she manages an Airbnb rental property in Modesto. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a wide range of advisory programs and investment solutions supported by a large nationwide network of financial advisors and branch offices.

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.

Brian Stevens is a financial advisor with LPL Financial in Modesto, California, holding a Series 63 designation and 35 years of industry experience. He has been with LPL Financial since 2009. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management supported by research from LPL Research and third-party subadvisors.

Vu Nguyen is a Series 66-licensed financial advisor at J.P. Morgan Securities with two years of experience in the industry. He has been with J.P. Morgan Chase Bank, N.A. since 1993. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting through a select group of Wealth Advisors. As a subsidiary of J.P. Morgan, the firm combines institutional advisory operations with brokerage, distribution, and investment management capabilities.

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.

Russell Ballew is a financial advisor with Raymond James Financial Services Advisors, Inc., holding a Series 66 credential and bringing 19 years of industry experience. He has been with Raymond James since 2014. Outside of advising, he is the author of the book *Propitiate the Gods*. Raymond James Financial Services Advisors, Inc. offers financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, institutions, and charitable organizations. The firm provides tailored, non-discretionary advisory services supported by analytical tools and maintains a notable presence in municipal and public finance through its affiliations and specialized programs.

Supreet Bhachoo is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 credentials and eight years of industry experience. He has been with Wells Fargo Clearing since 2017 and has been affiliated with Wells Fargo Bank, NA since 2007. 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 investment options such as insurance-related vehicles and bank deposit sweep programs.

Jerod Havel is a financial advisor at Stifel with 11 years of industry experience. He holds a Series 66 designation and has worked at Stifel Nicolaus & Co Inc since 2018, following roles at Wells Fargo Clearing and Wells Fargo Advisors, LLC. Stifel serves a broad range of clients including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services supported by a proprietary investment methodology developed by its Investment Strategy Group.

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.

Gregory Weaver is a financial advisor with OSAIC, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He previously worked for Securities America Advisors, Inc. and Securities America, Inc. for 12 years. Outside of his advisory role, he manages several family-owned single-family rental homes. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services with a focus on portfolio construction using asset-allocation tools, risk assessment, and automated rebalancing across a wide range of investment types.

Jacob Gunter is a financial advisor at OSAIC with 13 years of industry experience. He holds the ChFC® designation along with Series 63 and Series 65 licenses. His prior experience includes roles at Securities America Advisors, Bank of the West, and BancWest Investment Services. Outside of his advisory work, he serves as a field agent assisting clients with estate document applications through Anchor Legal. OSAIC Wealth, Inc. serves a diverse range of retail and institutional clients through a large network of affiliated advisors, offering brokerage and investment advisory services, financial planning, retirement consulting, and access to third-party money managers. The firm utilizes a range of asset-allocation tools and supports both discretionary and non-discretionary management, with a complex platform footprint that includes multiple mergers and alternative investment distribution.

Jerardo Cruz is a financial advisor with Primerica Advisors in Modesto, CA, holding Series 63 and Series 65 licenses and with 10 years of industry experience. He has been with Primerica Advisors since 2016 and has worked at Primerica Financial Services since 2013. Outside of advising, he is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed accounts. The firm uses third-party asset managers and custodians like BNY Mellon Advisors and Pershing, offering a tiered wrap-fee structure and maintaining authority over model selections.

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.

Gagandeep Kaur is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 11 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously with Wells Fargo Advisors, LLC. Additionally, she owns an online clothing business called Charkha Couture. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice grounded in modern portfolio theory and tailored to plan objectives and risk tolerances.

Jeremy Willson is a Series 66 licensed financial advisor with LPL Financial, based in Tracy, CA, and has 11 years of industry experience. He has worked at LPL Financial since 2017 and spent two years at ICA Group Wealth Management, LLC from 2022 to 2024. Outside of advising, he is involved in tax preparation and accounting services through Wilson & Company. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, providing both discretionary and non-discretionary management supported by research, model portfolios, and various technology platforms.

Christian Chukwuma is a financial advisor at OSAIC with 17 years of industry experience. He holds the Series 66 designation and previously worked for Securities America Advisors and Securities America Inc for 11 years. In addition to his advisory role, he is licensed as a life insurance agent and sells life insurance and fixed indexed annuities. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and nonprofit clients through a large network of affiliated advisers and multiple advisory platforms. The firm provides integrated brokerage and investment advisory services, utilizing asset-allocation tools, risk-tolerance assessments, and third-party managed-account solutions.

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.