Vu Nguyen is a Series 66-licensed financial advisor at J.P. Morgan Securities with two years of experience in the industry. He has been with J.P. Morgan Chase Bank, N.A. since 1993. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting through a select group of Wealth Advisors. As a subsidiary of J.P. Morgan, the firm combines institutional advisory operations with brokerage, distribution, and investment management capabilities.

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.

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.

Pamela Miller Gonzales is a financial advisor with LPL Financial who holds Series 63 and Series 65 designations and has 23 years of industry experience. Her prior roles include positions at Merrill, Integral Investment Advisors, and SCF Investment Advisors. She is currently based in Hughson, California. 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 wide range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, with advice delivered primarily through investment adviser representatives using various discretionary and non-discretionary strategies.

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.