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.

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. 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.

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.

Brian Ullrich is a CFP® professional with 26 years of industry experience, currently advising at LPL Financial. His prior experience includes roles at Commonwealth Financial Network and Principal Securities Inc. Outside of advisory services, he co-owns Epiq Risk Management & Insurance Services, a private entity facilitating securities, advisory, and insurance business. 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 services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by tools such as machine learning for research and operational purposes.

Sherry Azevedo is a financial advisor with OSAIC in Modesto, California, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. Her prior roles include seven years at Securities America Advisors and 17 years at National Planning Corp. She is also involved in life insurance and fixed annuity business through several agencies and manages her own corporation focused on business administration. OSAIC serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients, offering brokerage and advisory services with an emphasis on model-based asset allocation and portfolio optimization. The firm is notable for its scale, affiliate network, and diverse platform offerings.

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 in Modesto, CA, holding Series 63 and Series 66 credentials and 20 years of industry experience. He previously worked at Bank of America and Merrill Lynch from 2010 to 2016. Outside of his advisory role, he is involved as an independent insurance agent and has a hobby collecting and trading collectible cards. Cambridge Investment Research Advisors serves individual and institutional clients, including pension and charitable organizations, providing financial planning, investment management, and retirement-plan advisory services. The firm manages a multi-billion dollar asset base and offers a range of advisory platforms and proprietary model strategies.

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.

Jose Guerrero Moreno is a financial advisor at Fidelity with six years of industry experience. His prior roles include positions at Bank of America, Merrill, and American Life Income. He holds a Series 66 designation. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including IRS-qualified Charitable Gift Funds and registered investment companies. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios across a broad range of investment vehicles.

Beatriz Buenrostro is a financial advisor at Merrill with eight years of industry experience. She holds the Series 66 designation and has worked at Bank of America, N.A. since 2018 while being with Merrill since 2011. 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 for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Todd Barton is a CFP® professional with 28 years of industry experience. He has worked at Wells Fargo Clearing since 2016, following seven years at Morgan Stanley and ten years at Citigroup Global Markets. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets with over 14,000 financial advisors and offers a combination of brokerage and advisory solutions.

Karen Looper is a financial advisor at Morgan Stanley with 25 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at LPL Financial and BMO Bank NA. Outside of her advisory role, she is a member of J.L. Quality Consulting, LLC, a consulting business based in Oakdale, California. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers tailored financial planning and a broad range of advisory programs, managing approximately $2.74 trillion in client assets.