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.

Caleb Jenkins is a financial advisor with Cetera, holding a Series 66 designation and one year of industry experience. He has worked at Cetera and Avantax firms and serves as Treasurer and Board of Trustees member at Sattler College, a private Christian-based educational institution. Jenkins is also involved in multiple consulting and advisory roles, including founding Jenkins Consulting, which provides app development consulting services. Cetera Investment Advisers LLC is an SEC-registered adviser that serves individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers various portfolio management and financial planning services through a multi-manager platform, providing access to both affiliated and third-party managers across multiple program structures and custodial relationships.

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.

Charlene Lovitt is a CFP® with 24 years of industry experience, currently serving at Cetera since 2014. She also holds a position at Oak Valley Community Bank and Cetera Investment Services LLC. Cetera Investment Advisers LLC is an SEC-registered firm that supports a nationwide network of over 10,000 independent advisors. The firm provides a range of services including portfolio management, financial planning, and retirement plan consulting for individuals, employer-sponsored plans, corporate, charitable, and institutional clients.

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.

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, BancWest Investment Services, and Horace Mann Investors. Gunter is the owner of Gunter Wealth Solutions Inc., operating under the DBA GnarledOak Financial, and also serves as a field agent for Anchor Legal, assisting clients with estate document applications. OSAIC Wealth, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations through a large network of advisors and platforms. The firm offers integrated brokerage and advisory services, utilizing asset-allocation tools and automated rebalancing to manage portfolios that may include stocks, bonds, options, mutual funds, ETFs, and alternative investments.

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.

Jovanna Mukaddes is a Senior Financial Advisor at Merrill Lynch Wealth Management, where she has been providing financial services since 2003. With over 21 years of experience in the industry, she focuses on understanding the needs and long-term goals of high-net-worth individuals, families, and businesses to develop customized investment strategies. Jovanna offers clients access to Merrill's investment insights and Bank of America's banking capabilities to address various aspects of their financial lives, including asset allocation, education funding, retirement planning, tax minimization, and estate planning. She emphasizes disciplined decision-making and helps clients navigate periods of market uncertainty by prioritizing long-term objectives. She holds a Bachelor's Degree from Stanislaus State University and professional designations as a Certified Exit Planning Advisor (CEPA) and Personal Investment Advisor (PIA). Jovanna is involved with community organizations such as United Way and the Professional Women's Group, reflecting her commitment to giving back to the communities where she lives and works.

Carl Rice is a financial advisor with Morgan Stanley in Modesto, CA, holding Series 63 and Series 65 designations and bringing 50 years of industry experience. His prior work includes 16 years at Citigroup Global Markets. Rice has been with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs and financial planning services supported by firm-approved tools and processes. The firm manages approximately $2.74 trillion in client assets and offers tailored planning through its Financial Advisors and Estate Planning Strategies Group.

Robert Runyan is a financial advisor with Morgan Stanley in Modesto, CA, holding a Series 63 license and bringing 36 years of industry experience. His career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets. Outside of finance, he is involved in agricultural ventures as a general partner at Silver Creek Ranch and sole proprietor of Gratton Ranch, and serves as a board member of Turlock Golf & Country Club. Morgan Stanley Wealth Management provides a range of advisory programs and financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm emphasizes structured financial planning supported by firm-approved tools and serves clients primarily in an advisory capacity.

Kristin Smith is a financial advisor at Ameriprise with 11 years of industry experience. She holds Series 65 and Series 66 credentials and has worked at Ameriprise since 2016, following a year at Northwestern Mutual Investment Management. In addition to her advisory role, she is involved in independent insurance brokering focused on fixed annuities. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients. It offers a specialized Premier Retirement Income service that provides tailored retirement planning advice, including tax-aware withdrawal strategies and Social Security claiming options.

Alejandro Garcia Campos is a financial advisor at Primerica Advisors with nine years of industry experience. He holds Series 63 and Series 65 licenses. His background includes multiple roles in various school districts and educational organizations in California. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm operates at scale with thousands of advisors and offices, delivering advisory services through model-driven investment strategies managed by unaffiliated asset managers.

Carolyn Beasley is a financial advisor with J.P. Morgan Securities in Modesto, CA, holding Series 63 and Series 66 licenses and bringing 12 years of industry experience. She has been with J.P. Morgan in various capacities since 2009. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm delivers these advisory services on a non-discretionary basis, combining institutional advisory operations with affiliated brokerage and investment management capabilities.

Frank Ahler is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. He has worked at Bank of America and Merrill since 2022. Prior to his advisory career, he held positions at Stanislaus State University and Target. 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. The firm offers model-based and discretionary investment strategies developed by internal and third-party managers, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Walter Gordon is a financial advisor at Primerica Advisors with 29 years of industry experience. He holds the Series 63 and Series 65 designations. His prior work includes four years at Heartland PMT Systems from 2015 to 2019. He also receives non-investment related compensation related to home security and automation product referrals through affiliated companies. Primerica Advisors serves primarily individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm offers a wrap-fee asset management program based largely on model-delivery strategies created by unaffiliated asset managers and supports trade execution and custody through established third-party providers.

Oscar Maldonado is a financial advisor at Morgan Stanley with four years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Wells Fargo and Vanguard. Maldonado’s background also includes roles outside traditional advisory firms, such as work with Merced CAL-SOAP and California State University Stanislaus. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and methodologies to support client goals.

Eric Taylor is a financial advisor at Raymond James Financial with seven years of industry experience. He holds a Series 66 designation and previously worked at Alfred Matthews, Inc. from 2016 to 2018. Taylor is also involved as a financial advisor and owner in two other businesses, Grover Financial Group and Taylor Financial Services, LLC. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individual and high-net-worth clients, pension plans, corporations, and institutional clients. The firm offers non-discretionary planning and consulting tailored to client goals, utilizing advanced modeling tools and supports municipal and public finance work through its unique municipal advisor affiliation.

David Beach is a financial advisor at Stifel with 32 years of industry experience. He holds a Series 63 designation and has worked at Stifel Nicolaus & Co Inc since 2018. Prior to that, he was employed at Wells Fargo Clearing and A. G. Edwards & Sons, Inc. Stifel serves a diverse client base, including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. The firm’s investment approach relies on proprietary methodologies developed by its Investment Strategy Group, which provide guidance on asset allocation and financial planning.

Lakhwinder Singh is a financial advisor with Primerica Advisors in Modesto, CA, holding Series 63 and Series 65 licenses and 19 years of industry experience. He has been with Primerica Advisors since 2007 and Primerica Financial Services since 2006. Primerica Advisors sponsors a wrap-fee asset management program serving primarily individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm operates at scale with nearly 3,700 advisors and $15.5 billion in assets under management, delivering advisory services through model-driven strategies managed by unaffiliated asset managers.

Pamela Miller Gonzales is a financial advisor with LPL Financial who holds Series 63 and Series 65 designations and has 23 years of industry experience. Her prior roles include positions at Merrill, Integral Investment Advisors, and SCF Investment Advisors. She is currently based in Hughson, California. 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 wide range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, with advice delivered primarily through investment adviser representatives using various discretionary and non-discretionary strategies.