Raymond Ruiz is a financial advisor with Morgan Stanley in Modesto, CA, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. He has worked with Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, and with Citigroup Global Markets since 2000. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs and financial planning to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and utilizes a structured planning process supported by firm-approved tools and methodologies.

Raj Natarajan is a financial advisor at Merrill with a Series 66 designation. He has held positions at several firms including Ameritas Advisory Services, Ameritas Investment Company, Ameritas Life Insurance Corp., and David White & Associates from 2025 to 2026, as well as Tech Mahindra Americas from 2015 to 2019. Prior to joining Merrill and Bank of America in 2026, he was self-employed for five years. Merrill, along 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 across a range of client types, including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Brian Hoekman is a financial advisor with Ameriprise in Modesto, CA, holding a Series 66 designation and 16 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2014. Ameriprise provides retirement-income planning services focused on clients approaching or in retirement with significant investable assets, delivering detailed recommendation reports that incorporate income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and automated tools overseen by a dedicated team to support its advisory approach.

Craig Mizuno is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He has worked at Cetera since 1999 and also maintains a CPA accounting practice that he has operated since 1986. Mizuno serves as a trustee on a family trust. Cetera Investment Advisers LLC is an SEC-registered firm that supports a nationwide network of over 10,000 independent advisors. The firm serves individual, retirement plan, corporate, charitable, and institutional clients with a multi-manager platform offering discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Stephanie Martin is a Series 66 licensed financial advisor at Raymond James & Associates with over five years of industry experience, including prior work at Merrill Lynch and involvement with the Contentment Brewing Company and Modesto Pregnancy Center. She is based in Modesto, California. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning, investment consulting, and municipal advisory services through a nationwide network of advisors.

Alias Masudi is a financial advisor at UBS Financial Services with 15 years of industry experience. Prior to joining UBS in 2023, he worked at Morgan Stanley and Morgan Stanley Private Bank, N.A. from 2018 to 2023, and held roles at Wells Fargo Bank, Merrill, and Bank of America. Outside of finance, he owns and operates a restaurant business, Rocket Kabob, and oversees an Amazon FBA business through Masudi Enterprises, LLC. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory services, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management, offering access to proprietary research and capital markets services.

Jana Kearns is a financial advisor at Morgan Stanley with 41 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Morgan Stanley since 2020, following roles at Raymond James & Associates and Merrill. Outside of advising, she is involved in property management as a sole proprietor of personal rental real estate and serves as a trustee. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individual and institutional clients, managing approximately $2.74 trillion in assets. The firm’s financial planning incorporates structured discovery and firm-approved tools, offering a wide range of investment and advisory solutions.

Adam Juday is a financial advisor at Fidelity with 16 years of industry experience. He holds the Series 63 and Series 66 designations and has been with various Fidelity entities since 2001. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm employs a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios that include mutual funds, ETFs, and ETPs.

Kent Crawford is a CFP® professional with 38 years of industry experience, currently affiliated with LPL Financial since 2011. He operates in Modesto, CA, and manages Granite Wealth Management as his primary business activity. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charities. The firm provides financial planning, various advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by model portfolios and research from internal and third-party sources.

Tim Bloemhof is a CFP® professional with 26 years of industry experience, currently serving at Wells Fargo Advisors since 2019. His career includes prior roles within Wells Fargo Clearing and Wells Fargo Advisors LLC. Outside of his advisory work, Bloemhof has significant involvement in almond farming and processing businesses through various family-owned and invested entities in California. Wells Fargo Advisors Financial Network offers investment and financial planning services to individuals, trusts, and institutional clients, employing proprietary research and planning tools to develop tailored recommendations. The firm provides a broad range of planning services, including specialized areas such as business-owner transition and special-needs planning.

Moises Aguirre Cabrera is a financial advisor at Merrill with a Series 66 designation and no prior industry experience. His work history includes roles at Bank of America, BMO N.A., and various educational institutions. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

John Morrison is a financial advisor with LPL Financial and holds Series 63 and Series 66 credentials. He has 36 years of industry experience, including prior roles at National Planning Corporation and a long-standing association with Bank of Stockton. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a nationwide network. The firm offers a range of financial planning and advisory programs, including model portfolios and retirement plan consulting, with both discretionary and non-discretionary management options.

Victor Valenzuela is a financial advisor at Fidelity with eight years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Wells Fargo Clearing Services LLC and Wells Fargo Bank NA prior to joining Fidelity. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary accounts, fund advisory services, and model portfolios.

Joel Balam is a financial advisor with LPL Financial in Modesto, CA, holding Series 63 and Series 65 licenses and bringing 19 years of industry experience. He previously worked at Princor Financial Services Corp and Principal Life Insurance Co for nine years each before joining LPL Financial in 2017. Outside of his advisory role, Joel owns a business related to baseball memorabilia. LPL Financial is a registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and nonprofits. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management supported by research and a broad suite of investment strategies.

Gena Yaqubi is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. She has been with J.P. Morgan Chase Bank and J.P. Morgan Securities since 2014. Yaqubi holds Series 63 and Series 66 designations. 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 combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Dempsey Grover is a financial advisor at Morgan Stanley with five years of industry experience. He holds a Series 66 designation and previously worked at Bank of Stockton and LPL Financial LLC. Outside of his advisory role, he coaches baseball in Modesto, CA. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm employs a structured planning process using proprietary tools and offers a wide range of investment and financial planning solutions.

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.

Matthew Bryant is a financial advisor with LPL Financial in Modesto, California, holding Series 63 and Series 65 licenses and having 19 years of industry experience. He was previously with Wells Fargo Advisors Financial Network LLC for seven years before joining LPL Financial in 2016. Outside of his advisor role, he operates The Investment Consulting Group. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement consulting, and brokerage services, utilizing model portfolios and research from multiple sources.

Michael Grover is a CFP® with 39 years of industry experience, currently serving as a financial advisor at Raymond James Financial Services Advisors, Inc. since 2012. He is a partner in a real estate LLC that manages property jointly with another advisor. Raymond James Financial Services Advisors provides financial planning and investment consulting to individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary advice supported by analytical tools and maintains several specialized programs, including municipal finance and SIMPLE IRA employer advisory services.

Justin Grover is a financial advisor at Raymond James Financial with nine years of industry experience. He holds the Series 66 designation and has worked at multiple firms, including Concurrent Advisors and Raymond James Financial Services Advisors, Inc. Grover is also involved with the nonprofit First Tee, where he teaches golf to children and serves on the finance and investment committee. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse range of clients, including individuals, high-net-worth clients, corporations, and institutional investors. The firm utilizes risk profiling and analytical tools to tailor non-discretionary planning and investment consulting to client goals.