Michael Maddox is a financial advisor at Stifel with 19 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Stifel since 2021. Prior to joining Stifel, he held roles with several community organizations and educational institutions, including Victory Assembly of God Church and Modesto Christian School. Stifel serves a broad client base including individuals, institutional clients, and municipal entities, providing brokerage and advisory services supported by proprietary investment analysis and asset allocation methodologies from its Investment Strategy Group.

Justin Ausher is a CFP® professional with 17 years of experience in the financial services industry. He is currently with LPL Financial, having joined in 2024, and previously worked at firms including Edward Jones, Stifel Nicolaus, Janney Montgomery Scott, Piper Jaffray, and Northland Securities. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm provides a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Brian Stevens is a financial advisor with LPL Financial based in Modesto, California. He holds a Series 63 designation and has 36 years of industry experience, including six years at Wells Fargo Clearing prior to joining LPL Financial in 2009. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Leonard Jalli is a Wealth Management Advisor with Merrill Lynch Wealth Management in Modesto, California. He co-founded the Jalli/Seibold Group and leads a team that provides wealth management services to high-net-worth families, pensions, trusts, and endowments nationally. Leonard offers strategic guidance tailored to Fortune 500 quick service restaurant owners and operators, assisting them with custom credit, lending solutions, cash reserves, retirement planning, and exit strategies. He collaborates with other trusted advisors, including CPAs and attorneys, to coordinate comprehensive financial solutions for his clients. Leonard began his career at Merrill Lynch in 1993 and formed a team with his father in 1998. He earned a Bachelor's degree in business from California State University, Sacramento, and holds the Certified Investment Management Analyst (CIMA) and Chartered Retirement Planning Counselor (CRPC) designations. Leonard emphasizes proactive planning and a disciplined long-term process throughout market cycles. Residing in Modesto with his wife Michele and their fraternal twins, Leonard advocates for longevity through physical and mental health, engaging in cycling and snow skiing. He has been a member of the Downtown Modesto Rotary Club for over twenty years, served three terms as chair of United Way of Stanislaus County, and supports the American Heart Association.

Vu Nguyen is a Series 66-licensed advisor with J.P. Morgan Securities, bringing two years of industry experience. He has worked at J.P. Morgan Securities since 2024 and has a longstanding tenure with JPMorgan Chase Bank, N.A. dating back to 1993. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting, while clients retain final decision-making authority. The firm’s advisory process combines quantitative and qualitative research to build model asset allocations, incorporating an ESG eligibility framework and leveraging broader derivatives and commodities capabilities.

Russell Ballew is a financial advisor with Raymond James Financial Services Advisors, Inc., holding a Series 66 credential and bringing 19 years of industry experience. He has been with Raymond James since 2014. Outside of advising, he is the author of the book *Propitiate the Gods*. Raymond James Financial Services Advisors, Inc. offers financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, institutions, and charitable organizations. The firm provides tailored, non-discretionary advisory services supported by analytical tools and maintains a notable presence in municipal and public finance through its affiliations and specialized programs.

Supreet Bhachoo is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 credentials and eight years of industry experience. He has been with Wells Fargo Clearing since 2017 and has been affiliated with Wells Fargo Bank, NA since 2007. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes investment options such as insurance-related vehicles and bank deposit sweep programs.

Jerod Havel is a financial advisor with Stifel in Modesto, CA, holding a Series 66 designation and 11 years of industry experience. He has worked at Stifel Nicolaus & Co Inc since 2018 and previously at Wells Fargo Clearing from 2016 to 2018. Stifel serves a diverse client base including individuals, institutions, and charitable organizations, offering both brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group to provide asset allocation and planning analyses, with clients retaining discretion over implementation.

Julian Cruz Jr. is a Series 66-credentialed financial advisor with 13 years of industry experience. He is currently with LPL Financial and has previously worked at Bank of the West, BancWest Investment Services, and Edward Jones. He serves as a board member of the Community Center for the Blind & Visually Impaired. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and asset management solutions, utilizing both model portfolios and customized strategies.

Gregory Weaver is a financial advisor at Osaic Wealth with 30 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Securities America Advisors, Inc. and Valic Financial Advisors. Outside of his advisory role, he manages family-owned single-family rental homes. Osaic Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers brokerage and advisory services with a focus on model-based asset allocation, portfolio optimization, and a range of managed portfolio solutions.

Jacob Gunter is a financial advisor with OSAIC, holding the ChFC® designation and Series 63 and 65 licenses. He has 13 years of industry experience with prior roles at Securities America Advisors, Bank of the West, and Horace Mann Investors. Outside of his advisory work, he is the owner of Gunter Wealth Solutions Inc., operating under the DBA GnarledOak Financial, and serves as a field agent for Anchor Legal, assisting clients with estate planning documents. OSAIC serves a diverse client base including retail and institutional investors, offering brokerage and advisory services through a multi-advisor platform. The firm employs a model-based investment process featuring asset allocation, portfolio optimization, and multiple program options delivered through affiliated broker-dealer and RIA relationships.

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, 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.

G. Keller III is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 designations and 27 years of industry experience. He has worked at Cambridge Investment Research since 2008 and previously spent eight years at Merrill. Outside of his advisory role, he owns rental properties in the Kansas City area managed by a third party. Cambridge Investment Research Advisors serves individual and institutional clients, including pension and charitable organizations, providing financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm supports discretionary and non-discretionary management across multiple platforms and offers proprietary model strategies through its Founders Gate Capital brand.