Joel Balam is a financial advisor at LPL Financial with 19 years of industry experience. He holds Series 63 and Series 65 credentials and previously worked at Princor Financial Services Corp and Principal Life Insurance Co. Outside of his advisory role, he owns a sole proprietorship called Baseball Fan-Attic. 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 range of financial planning and investment services through a broad network of advisors, utilizing model portfolios, third-party subadvisors, and customized strategies.

Gena Yaqubi is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. She holds Series 63 and Series 66 designations and has been with J.P. Morgan in various roles since 2014. J.P. Morgan Securities provides institutional consulting services focusing on written asset allocation advice, investment manager searches, and customized performance reporting for plan sponsors, corporations, and endowments. The firm’s advisory process combines quantitative and qualitative research with forward-looking capital market assumptions to build model asset allocations within a non-discretionary framework.

Dempsey Grover is a financial advisor with Morgan Stanley in Modesto, California, holding a Series 66 designation and five years of industry experience. His prior roles include positions at Bank of Stockton and LPL Financial LLC. Outside of finance, he has been involved in baseball coaching since 2014. Morgan Stanley Wealth Management serves both individual and institutional clients, providing tailored financial planning and a broad array of advisory programs supported by firm-approved planning tools and investment research.

Keri Van Dyke is a financial advisor at Morgan Stanley with a Series 66 designation and three years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 1993. 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, managing approximately $2.74 trillion in client assets.

Shanelle Winters is a financial advisor with LPL Financial in Modesto, CA, holding a Series 66 designation. She has more than 20 years of industry experience, including a long tenure at Wells Fargo Bank from 2003 to 2026, along with roles at Merrill, Bank of America, and BMO Bank NA. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a broad range of advisory and brokerage services, utilizing model portfolios, third-party subadvisors, and customized strategies, supported by advanced advisor tools and a large network of investment adviser representatives.

Matthew Bryant is a financial advisor with LPL Financial in Modesto, CA, holding Series 63 and Series 65 licenses and having 19 years of industry experience. He has worked at LPL Financial since 2016 and previously spent a year with Wells Fargo Advisors. Outside of his advisory role, Bryant is involved with The Investment Consulting Group. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a large network of advisors and advanced operational tools.

Michael Grover is a CFP®-credentialed financial advisor with 40 years of industry experience, currently with Raymond James Financial Services Advisors, Inc. since 2012. He is based in Modesto, CA, and is a partner in a local real estate business. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a wide range of clients, including individuals, institutions, and charitable organizations, employing analytical tools and risk profiling to tailor investment strategies.

Justin Grover is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds a Series 66 designation and has 10 years of industry experience. Grover has also operated Grover Financial Group since 2018 and currently serves as a finance and investment committee member for First Tee, a national nonprofit where he teaches golf to children. Raymond James Financial Services Advisors offers financial planning, investment consulting, and advisory services to a diverse client base that includes individuals, high-net-worth clients, corporations, and institutional clients. The firm provides non-discretionary planning and consulting tailored to client goals, utilizing analytical tools and risk profiling to support decision making.

Caleb Kimball is a Series 66-licensed advisor with LPL Financial, based in Modesto, CA, and has been in the industry since 2016. He previously worked at Hogin Financial & Insurance Services, Inc. for five years before joining LPL Financial in 2022. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to model portfolios, with emphasis on advisory solutions supported by research and technology tools.

Katrina Morganson is a financial advisor at Wells Fargo Clearing with 19 years of industry experience. She holds the Series 66 designation and has previously worked at Morgan Stanley and Citigroup Global Markets. She is based in Modesto, California. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, including pension and charitable organizations. The firm offers a range of investment advisory services, financial planning, and retirement plan consulting, combining its own research with third-party analytics to support client investment decisions.

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.

Brian Stevens is a financial advisor with LPL Financial based in Modesto, California. He holds a Series 63 designation and has 36 years of industry experience, including six years at Wells Fargo Clearing prior to joining LPL Financial in 2009. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Leonard Jalli is a Wealth Management Advisor with Merrill Lynch Wealth Management in Modesto, California. He co-founded the Jalli/Seibold Group and leads a team that provides wealth management services to high-net-worth families, pensions, trusts, and endowments nationally. Leonard offers strategic guidance tailored to Fortune 500 quick service restaurant owners and operators, assisting them with custom credit, lending solutions, cash reserves, retirement planning, and exit strategies. He collaborates with other trusted advisors, including CPAs and attorneys, to coordinate comprehensive financial solutions for his clients. Leonard began his career at Merrill Lynch in 1993 and formed a team with his father in 1998. He earned a Bachelor's degree in business from California State University, Sacramento, and holds the Certified Investment Management Analyst (CIMA) and Chartered Retirement Planning Counselor (CRPC) designations. Leonard emphasizes proactive planning and a disciplined long-term process throughout market cycles. Residing in Modesto with his wife Michele and their fraternal twins, Leonard advocates for longevity through physical and mental health, engaging in cycling and snow skiing. He has been a member of the Downtown Modesto Rotary Club for over twenty years, served three terms as chair of United Way of Stanislaus County, and supports the American Heart Association.

Vu Nguyen is a Series 66-licensed advisor with J.P. Morgan Securities, bringing two years of industry experience. He has worked at J.P. Morgan Securities since 2024 and has a longstanding tenure with JPMorgan Chase Bank, N.A. dating back to 1993. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting, while clients retain final decision-making authority. The firm’s advisory process combines quantitative and qualitative research to build model asset allocations, incorporating an ESG eligibility framework and leveraging broader derivatives and commodities capabilities.

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 with Stifel in Modesto, CA, holding a Series 66 designation and 11 years of industry experience. He has worked at Stifel Nicolaus & Co Inc since 2018 and previously at Wells Fargo Clearing from 2016 to 2018. Stifel serves a diverse client base including individuals, institutions, and charitable organizations, offering both brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group to provide asset allocation and planning analyses, with clients retaining discretion over implementation.

Gregory Weaver is a financial advisor at Osaic Wealth with 30 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Securities America Advisors, Inc. and Valic Financial Advisors. Outside of his advisory role, he manages family-owned single-family rental homes. Osaic Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers brokerage and advisory services with a focus on model-based asset allocation, portfolio optimization, and a range of managed portfolio solutions.

Jacob Gunter is a financial advisor with OSAIC, holding the ChFC® designation and Series 63 and 65 licenses. He has 13 years of industry experience with prior roles at Securities America Advisors, Bank of the West, and Horace Mann Investors. Outside of his advisory work, he is the owner of Gunter Wealth Solutions Inc., operating under the DBA GnarledOak Financial, and serves as a field agent for Anchor Legal, assisting clients with estate planning documents. OSAIC serves a diverse client base including retail and institutional investors, offering brokerage and advisory services through a multi-advisor platform. The firm employs a model-based investment process featuring asset allocation, portfolio optimization, and multiple program options delivered through affiliated broker-dealer and RIA relationships.

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.