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.

Gagandeep Kaur is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 11 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously with Wells Fargo Advisors, LLC. Additionally, she owns an online clothing business called Charkha Couture. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice grounded in modern portfolio theory and tailored to plan objectives and risk tolerances.

Jeremy Willson is a Series 66 licensed financial advisor with LPL Financial, based in Tracy, CA, and has 11 years of industry experience. He has worked at LPL Financial since 2017 and spent two years at ICA Group Wealth Management, LLC from 2022 to 2024. Outside of advising, he is involved in tax preparation and accounting services through Wilson & Company. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, providing both discretionary and non-discretionary management supported by research, model portfolios, and various technology platforms.

Carl Rice is a financial advisor at Morgan Stanley with Series 63 and Series 65 credentials and 49 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and has been affiliated with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutional clients. The firm provides tailored financial planning using structured discovery conversations and firm-approved tools, managing approximately $2.74 trillion in client assets.

Christian Chukwuma is a financial advisor at OSAIC with 17 years of industry experience. He holds the Series 66 designation and previously worked for Securities America Advisors and Securities America Inc for 11 years. In addition to his advisory role, he is licensed as a life insurance agent and sells life insurance and fixed indexed annuities. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and nonprofit clients through a large network of affiliated advisers and multiple advisory platforms. The firm provides integrated brokerage and investment advisory services, utilizing asset-allocation tools, risk-tolerance assessments, and third-party managed-account solutions.

Stephen Luna is a financial advisor with LPL Financial in Modesto, CA, holding a Series 66 designation and four years of industry experience. His prior roles include positions at Mass Mutual Investors Services, Mass Mutual Insurance Company, and Spectrum Financial Group. Outside of his advisory work, Luna coaches soccer for children aged five to six. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services supported by research and both discretionary and non-discretionary management options.

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.

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.

Oscar Maldonado is a financial advisor at Morgan Stanley with three years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Wells Fargo Clearing, Vanguard Marketing Corporation, and Pacific Advisors, among other firms. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, providing tailored financial planning supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and delivers services through its Financial Advisors and Estate Planning Strategies Group.

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.

Michael Joseph is a Financial Advisor with Merrill Lynch Wealth Management and a member of the Special Needs Team. Based in Modesto, he serves clients in the Greater Sacramento area and throughout Northern California. Michael applies over 10 years of experience to provide individualized financial guidance, working closely with business owners, professional fiduciaries, trust attorneys, and non-profit organizations to help them navigate complex financial landscapes and pursue their long-term goals. He holds the Chartered Retirement Planning Counselor™ (CRPC™) certification and the Personal Investment Advisor (PIA) designation. Michael earned a Bachelor's degree with a double concentration in operations and finance from California State University, Stanislaus. His expertise includes retirement planning, portfolio management, special needs planning strategies, services for endowments and non-profits, and retirement income planning. Michael and his team were recognized on Forbes' "Best-in-State Wealth Management Teams" list for 2023 and 2024. Outside of his professional role, Michael is involved with local community organizations, including his local church and the Salvation Army. He enjoys boating, camping, golfing, and skiing, and values balancing his career with personal interests and family life.

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.