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.

Gagandeep Kaur is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 12 years of industry experience. She has worked at Wells Fargo Bank and Wells Fargo Clearing since 2013 and 2016, respectively. Outside of her advisory role, she owns an online clothing sales business, Charkha Couture. Wells Fargo Advisors is a large national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm utilizes research and analytics from Wells Fargo Investment Institute and third parties to evaluate investment options and offers both brokerage and advisory solutions.

Jeremy Willson is a financial advisor with LPL Financial, holding a Series 66 credential and 11 years of industry experience. He has worked with ICA Group Wealth Management and Guardian Life, and he is involved in tax preparation and accounting services alongside his advisory work. LPL Financial is a national broker-dealer and SEC-registered investment adviser delivering advisory and brokerage services through a large network of representatives to individuals, retirement plans, banks, and institutions. The firm offers a range of financial planning and investment management solutions using both proprietary and third-party strategies, supported by advanced operational and research tools.

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.

Christian Chukwuma is a financial advisor at OSAIC with 17 years of industry experience. He holds a Series 66 designation and has previously worked at Securities America Advisors and Edward Jones. In addition to his advisory role, he is licensed to sell life insurance and indexed annuities. OSAIC serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients, offering brokerage and advisory services through a multi-advisor platform. The firm’s investment approach includes model-based asset allocation, portfolio optimization, and access to proprietary and third-party managed strategies.

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 with Ameriprise Financial Services and holds Series 65 and Series 66 licenses. She has 11 years of industry experience, including previous roles at Northwestern Mutual Investment Management. In addition to her advisory work, she is involved in independent insurance brokering, focusing on fixed annuities. Ameriprise Financial Services is a large, diversified advisory 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 based on dependable income sources and tax-aware 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 at J.P. Morgan Securities with 13 years of industry experience. She holds Series 63 and Series 66 designations and has been with J.P. Morgan in various capacities since 2009. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. The firm’s non-discretionary advisory program emphasizes written asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence and a combination of quantitative and qualitative research.

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 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 with Raymond James Financial Services, Inc. in Modesto, CA, holding a Series 66 designation and eight years of industry experience. Prior to joining Raymond James in 2018, he worked at Alfred Matthews, Inc. from 2016 to 2018. He is also involved as an owner and financial advisor in two other financial services 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 individuals, high-net-worth clients, pension plans, corporations, charitable organizations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting, utilizing risk profiling and modeling tools, and supports municipal and public finance work through a unique affiliation with a municipal advisor.

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, holding Series 65 and Series 63 licenses and bringing 19 years of industry experience. He has been with Primerica Advisors since 2007 and has worked at Primerica Financial Services since 2006. Primerica Advisors sponsors and manages a wrap-fee asset management program that serves 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-based strategies overseen by third-party asset managers.

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. He has been with Osaic Wealth Inc since 2026 and has prior work experience in education and the service industry. OSAIC serves a diverse client base including individual investors, retirement plans, charities, and corporations, offering a range of brokerage and advisory services supported by model-based asset allocation and portfolio optimization tools.

Alfred Ruiz is a financial advisor with Ameriprise in Tracy, California, holding a Series 63 designation and 39 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, Ruiz serves on the Board of Directors of the Tracy Sunrise Rotary Club and has co-ownership interests in a family vineyard producing wine grapes. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement, combining research and modeling with tax-efficient strategies. The firm provides a broad range of advisory, brokerage, and insurance solutions through its large institutional platform.

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.