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 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 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 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 in Modesto, CA, holding Series 63 and Series 65 licenses and 19 years of industry experience. He has been with Primerica Advisors since 2007 and Primerica Financial Services since 2006. Primerica Advisors sponsors a wrap-fee asset management program serving primarily 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 nearly 3,700 advisors and $15.5 billion in assets under management, delivering advisory services through model-driven strategies managed by unaffiliated asset managers.

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.

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.

Kristie Brown is a Vice President and Senior Financial Advisor with the Special Needs Team at Merrill Lynch Wealth Management. In her role, she functions similarly to a chief operating officer, managing a diverse set of responsibilities that include overseeing daily team operations, marketing, hiring, training, trading operations, business process improvements, and mentoring. Her focus is on enabling her team to deliver a unified client experience dedicated to the long-term financial well-being of individuals with special needs and their caregivers. Kristie collaborates closely with other special-needs professionals and family members to provide tailored financial advice and guidance. Kristie began her career at Merrill Lynch as an intern in 2011, joining the Special Needs Team full-time the following year, and has since taken on increasing responsibilities within the team. She holds a Bachelor's degree in Business Administration with a concentration in Finance from California State University – Stanislaus and maintains the Personal Investment Advisor (PIA) designation. Kristie's experience includes legacy planning, liquidity management, new wealth management, portfolio management services, special needs planning strategies, and women and wealth. Outside of her professional life, Kristie lives in Escalon, California, with her husband, Ryan, their two sons, Karson and Nolan, and their maltipoo, Bailey. She enjoys spending time with her family and friends, as well as outdoor activities such as camping and beach outings.

B Gill is a Wealth Management Advisor and Senior Vice President at Merrill Lynch Wealth Management. With a career at Merrill starting in 1995, B Gill serves as a Portfolio Manager and holds several professional designations including the Retirement Accredited Financial Advisor (RAFA), Chartered Retirement Planning Counselor (CRPC), and Certified Plan Fiduciary Advisor (CPFA). B Gill's areas of expertise include retirement planning, college education planning, and retirement income strategies. Through a collaborative approach with Merrill Lynch Wealth Management and Bank of America specialists, B Gill offers a broad range of services such as retirement planning, life insurance analysis and funding, wealth preservation and transfer services, and lifetime income management. This approach is tailored to clients' risk tolerance, time horizon, liquidity needs, investment goals, and cost considerations. B Gill holds a Bachelor's Degree from Michigan State University and communicates fluently in English and Punjabi. Outside of professional commitments, B Gill has personal interests in baseball, golfing, and tennis.

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.

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.

Brandon Demers is a financial advisor at Merrill in Modesto, CA, with eight years of industry experience. He holds a Series 66 designation and has worked at Merrill and Bank of America since 2018. His prior work experience includes roles with Associated Students, Inc., Target, and Cold Stone Creamery. 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 for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

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.

Stephen Blakeley is a financial advisor with Edward Jones in Modesto, CA, holding a Series 66 designation and 18 years of industry experience. He has been with Edward Jones since 2013. Outside of his advisory role, he serves on the Finance Committee of the Modesto Chamber of Commerce. Edward Jones is a full-service wealth management firm serving individuals, institutions, and charitable organizations, with over $1 trillion in assets under management. The firm offers a range of advisory programs and investment solutions, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.