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.

Katrina Morganson is a financial advisor with Wells Fargo Clearing in Modesto, CA, holding a Series 66 designation and 18 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2011 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s process is IPS-driven, incorporates modern portfolio theory, and includes insurance-related vehicles and bank deposit sweep options among its investment offerings.

Nicholas White is a financial advisor at Edward Jones in Oakdale, CA, holding the Series 66 designation with three years of industry experience. His prior work includes roles at Bank of Stockton, Valley First Credit Union, Oak Valley Community Bank, and Central Valley Community Bank. Outside of advising, he rents out a bedroom in his personal residence. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including both non-high-net-worth and high-net-worth households. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, investment solutions, and affiliated capabilities across a nationwide network.

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.

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.

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 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.

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, bringing over 20 years of experience in the financial services industry. Since joining Merrill in 2005, she has focused on understanding the unique needs of high-net-worth individuals, families, and businesses. Jovanna offers personalized attention and develops disciplined, customized financial strategies that address a broad range of goals including asset allocation, education funding, retirement planning, tax minimization, and estate planning. She leverages the investment insights of Merrill alongside the banking and lending solutions of Bank of America to provide comprehensive wealth management services. Jovanna’s client expertise includes family wealth management, services for endowments, foundations and non-profits, managing new wealth, personal retirement planning, portfolio management, small business strategies, socially responsible and ESG investing, women and wealth, tax minimization, and retirement income planning. She emphasizes a collaborative approach that focuses on understanding clients’ life priorities and designing flexible strategies aligned with their goals and aspirations. Jovanna applies a disciplined, emotion-aware methodology especially suited to navigating uncertain market conditions, aiming to create opportunities for favorable financial outcomes. She holds a bachelor's degree from Stanislaus State University and has earned professional designations including Certified Exit Planning Advisor (CEPA) and Personal Investment Advisor (PIA). Jovanna is actively involved in her community, volunteering with organizations such as United Way, and participates in professional groups like United Way Power of the Purse and the Professional Women's Group. Outside of work, she enjoys activities including billiards, bowling, dancing, fishing, hiking, music, reading, soccer, swimming, and spending time with her family.

Carl Rice is a financial advisor with Morgan Stanley in Modesto, CA, holding Series 63 and Series 65 licenses and possessing 50 years of industry experience. He has worked with Morgan Stanley Smith Barney since 2009 and was affiliated with Citigroup Global Markets beginning in 1993. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, including tailored financial planning and estate planning strategies, managing approximately $2.74 trillion in client assets. The firm uses structured planning tools and analytics such as Monte Carlo simulations to support clients’ financial plans and provides both advisory and brokerage services.

Stephen Luna is a financial advisor with LPL Financial in Modesto, CA, holding a Series 66 designation and four years of industry experience. Prior to joining LPL Financial in 2026, he worked at Mass Mutual Investors Services, Mass Mutual Insurance Company, and Spectrum Financial Group. Outside of his advisory role, he coaches soccer for children aged 5 to 6. 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, model portfolio programs, and institutional platforms, supported by extensive technology and a large network of advisors.

Robert Runyan is a financial advisor with Morgan Stanley in Modesto, California, holding a Series 63 designation and over 35 years of industry experience. He has worked at Morgan Stanley since 2009, including roles at Morgan Stanley Smith Barney and Morgan Stanley Private Bank, National Association. Outside of his advisory work, he is involved in agricultural pursuits as a general partner of Silver Creek Ranch and owns Gratton Ranch, and he serves as a board member of the Turlock Golf & Country Club. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers services through its Financial Advisors and Estate Planning Strategies Group.