Kristin Smith is a financial advisor at Ameriprise with 11 years of industry experience. She holds Series 66 and Series 65 licenses and has worked at Ameriprise Financial Services since 2016. Outside of advising, she is involved in independent insurance brokering with a focus on fixed annuities through National Life Group. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on income sources and tax-aware withdrawal strategies.

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 with Primerica Advisors in Modesto, CA, holding Series 63 and Series 65 licenses and having 28 years of industry experience. He has worked at Primerica Advisors and Primerica Financial Services since 1997 and was previously employed at Heartland PMT Systems from 2015 to 2019. Outside of his advisory role, he is involved in the sale of loan products and home-related services through affiliated companies. Primerica Advisors provides discretionary asset management via its Lifetime Investment Program, offering model-based strategies and discretionary separately managed accounts primarily to individual and high-net-worth clients. The firm curates third-party asset managers and employs a tiered wrap fee structure, with portfolio implementation delegated to BNY Mellon Advisors.

Oscar Maldonado is a financial advisor with Morgan Stanley in Modesto, CA, holding Series 63 and Series 65 designations and three years of industry experience. His previous work includes roles at Wells Fargo Clearing, Vanguard Marketing Corporation, and The Vanguard Group, Inc. He has also worked with Pacific Advisors and Farmers Insurance Group Federal Credit Union. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers advisory programs focused on tailored financial planning supported by structured discovery conversations and firm-approved tools.

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 31 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 with Wells Fargo Clearing from 2016 to 2018 and Wells Fargo Advisors LLC from 2009 to 2016. Stifel serves a wide range of clients including individuals, institutional clients, and charitable organizations, offering both brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group, using forward-looking capital market assumptions and probabilistic modeling to guide asset allocation and financial planning.

Lakhwinder Singh is a financial advisor with Primerica Advisors in Modesto, CA, holding Series 65 and Series 63 licenses and possessing 19 years of industry experience. He has been with Primerica since 2006, serving in advisory roles for nearly two decades. 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 manages approximately $15.5 billion in assets under management through nearly 3,700 advisors and offers model-based investment strategies supported by third-party asset managers and custodians.

Jerry Brouwer is a financial advisor with Cetera, holding a Series 66 credential and 19 years of industry experience. He has been affiliated with Cetera and Cetera Financial Specialists LLC since 2012 and owns two tax and business services firms, Jerry Brouwer Financial Services and Jerry Brouwer Tax Inc. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients through a multi-manager platform offering discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Matthew Lattig is a financial advisor with Raymond James & Associates in Modesto, California, holding a Series 66 designation and 21 years of industry experience. He previously worked at Merrill from 2005 to 2017 before joining Raymond James in 2017. Outside of his advisory role, Lattig serves on the advisory board of the Women's Education and Leadership League, a nonprofit organization focused on providing resources to support women's advancement. Raymond James & Associates serves a broad client base, including individuals, institutional investors, and charitable organizations, offering financial planning and investment consulting through a range of portfolio management styles supported by firm research and affiliated sub-advisers.

Brian Nash is a financial advisor with Morgan Stanley in Modesto, CA, holding a Series 66 designation and having 26 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and at Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a broad range of advisory programs, including tailored financial planning that employs firm-approved tools and methodologies without providing individual security recommendations as part of its standalone planning services.

Brandon Azevedo is a financial advisor at OSAIC with a Series 66 designation and one year of industry experience. His work history includes roles in education and hospitality prior to joining Osaic Wealth Inc. He is currently based in Modesto, California. OSAIC serves a diverse client base that includes individual investors, pension plans, corporations, and charitable organizations. The firm offers comprehensive brokerage and advisory services, utilizing asset-allocation tools and third-party platforms to construct and manage portfolios across various investment types.

Diamond Sharon Madsen is a financial advisor with Merrill in Manteca, CA, holding Series 63 and Series 66 licenses and 13 years of industry experience. Her career includes roles at Bank of America, Merrill, and JP Morgan, spanning over a decade. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations, utilizing model-based and discretionary investment strategies developed by internal and third-party teams.

Juan Acosta is a financial advisor with Morgan Stanley in Modesto, CA, holding Series 63 and Series 65 licenses and having 11 years of industry experience. His career includes roles at JPMorgan Securities LLC and JPMorgan Chase Bank from 2015 to 2019 before joining Morgan Stanley in 2019. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and market simulations.

Nagaraj Awatiger is a financial advisor at Primerica Advisors with a Series 66 designation and seven years of industry experience. His background includes roles at Arista Networks, Pluribus Networks, Crown Capital Securities, and Cisco. In addition to his advisory work, he is involved in referrals for home security and automation products 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 entities. The firm manages a wrap-fee asset management program utilizing model-delivery strategies developed by unaffiliated asset managers and offers a limited number of discretionary separately managed accounts.

Sherry Azevedo is a financial advisor at Osaic with 32 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked with Securities America Advisors and National Planning Corp. Outside of her advisory role, she is involved in life insurance and fixed annuity businesses and serves as owner and CEO of the Azevedo Investment Corporation. Osaic Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations through a broad network of affiliated advisers and multiple advisory platforms. The firm combines brokerage and investment advisory services, financial planning, and access to third-party money managers, employing asset-allocation tools and risk-tolerance analysis to build customized portfolios.

Eder Hernandez Barrientos is a financial advisor at Edward Jones with nine years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Wells Fargo Clearing Services LLC and Wells Fargo Bank NA. Outside of advisory work, he is involved in launching a luxury car rental business in Oakdale, California, in partnership with a family member. Edward Jones is a full-service wealth management firm serving individual and institutional clients across a broad spectrum, including high-net-worth households and charitable organizations. The firm offers a range of advisory programs, managed solutions, and affiliated investment products, supported by a large national network of advisors and branch offices.

Michael Ravotti is a financial advisor with Stifel in Modesto, CA, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. He previously worked at JP Morgan Securities LLC and JP Morgan Chase Bank, N.A. for a decade before joining Stifel in 2026. Stifel serves a wide 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.

Martin Ugalde is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 66 licenses and possessing 20 years of industry experience. Prior to joining Cambridge in 2016, he worked at Bank of America and Merrill Lynch from 2010 to 2016. Outside of his advisory role, he is involved in independent insurance sales and collects and trades collectible cards as a hobby. Cambridge Investment Research Advisors serves a diverse range of clients including individuals, pension and profit-sharing plans, charitable organizations, and trusts. The firm offers financial planning, investment management, retirement plan advisory, and financial wellness services through a network of independent advisors, utilizing both proprietary and third-party investment strategies tailored to client objectives.