Timothy Dobler is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been with Cetera and its affiliated entities since 2003 and owns small businesses providing tax, bookkeeping, and business consulting services. Additionally, he sells Medicare supplement insurance through Mutual of Omaha and United World Life on a limited basis. Cetera Investment Advisers LLC serves a broad client base including individuals, employer-sponsored retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with a range of portfolio management and financial planning services, supporting both discretionary and non-discretionary account management across various program structures.

Lindsey Randolph is a CFP® professional at Cetera with 38 years of industry experience. She has been with Cetera Wealth Services, LLC since 2013 and continues with Cetera since 2023. Randolph serves on the boards of two nonprofit organizations, Gospel Center Rescue Mission and New Hope Family Shelter Inc. Cetera Investment Advisers LLC operates as a multi-manager platform serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers portfolio management, financial planning, and retirement services through various program structures with over $256 billion in assets under management.

Anand Hundal is a financial advisor at Charles Schwab with four years of industry experience. He previously worked at Fisher Investments for four years and has held roles at Charles Schwab Bank since 2025. Hundal was also involved with the SK Vllzania Basketball Club in 2021. Charles Schwab serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts, using multi-asset model portfolios and due diligence-supported alternative investment options.

Kenneth Levy is a CFP® professional with 42 years of industry experience, currently with LPL Financial since 2018. He previously worked at Wells Fargo Advisors from 2015 to 2018. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, institutions, and charitable organizations. The firm offers various advisory programs, financial planning services, and utilizes model portfolios and research to support both discretionary and non-discretionary management strategies.

Katelyn Frizzie is a financial advisor at LPL Financial with 11 years of industry experience. She holds the Series 66 designation and has worked previously at Edward Jones, Raymond James Financial Services, and AIG. Outside of advising, she is involved in agricultural business through Frizzie Farms and has been a Mary Kay consultant for over a decade. LPL Financial is a national investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations. The firm offers a range of advisory programs, financial planning services, and portfolio management options supported by in-house research and third-party subadvisors.

Randall Weaver is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he has been employed since 1991. He works with entrepreneurs, executives, retirees, affluent individuals, and their families to align their financial goals with asset, liability, and risk management strategies. In 2001, he helped form The BWS Group, which focuses on simplifying clients' financial lives and delivering integrated wealth management strategies in coordination with clients' legal and tax professionals. Randall holds several professional designations including CERTIFIED FINANCIAL PLANNER (CFP), Chartered Retirement Planning Counselor (CRPC), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He contributes to the development of examination questions for the CFP Certification Examination and serves as a Senior Portfolio Advisor in Merrill Lynch's Investment Advisory Program. He earned a Bachelor of Science degree in Agricultural Business from California State University, Fresno. A second-generation Californian, Randall enjoys traveling and exploring the outdoors with his family. His personal interests include camping, fishing, hiking, scuba diving, skiing, and spending time with his family.

Jerome Williams is a financial advisor at Fidelity with four years of industry experience. He holds the Series 66 designation and has worked previously at LPL Financial, Balam Wealth Management, and as a contractor for Comcast. Outside of advising, he is the sole proprietor of C.V. Enterprise, where he oversees hiring and administrative tasks. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm combines fundamental research with quantitative and algorithmic portfolio construction, offering model portfolios built from a broad range of mutual funds, ETFs, and ETPs.

Jacob George is a financial advisor at Stifel with a Series 66 designation and two years of industry experience. He previously worked in education at University of the Pacific and Moreau Catholic High School. Stifel serves a broad range of clients including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services based on proprietary investment analysis and allocation methodologies.

Corey Daniel is a financial advisor with LPL Financial in Lodi, CA, holding a Series 66 credential and 24 years of industry experience. He previously worked at Wells Fargo Advisors for three years before joining LPL Financial in 2018. Daniel is involved in managing family trust investments and operates wealth management services under affiliated business names. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a broad national network. The firm offers a range of advisory programs, financial planning, and brokerage services with both discretionary and non-discretionary management supported by proprietary and third-party research.

Michael Haley is a financial advisor with LPL Financial in Stockton, CA, holding a Series 63 designation and 38 years of industry experience. He previously worked at National Planning Corporation for 18 years and has been associated with Bank of Stockton since 1993. Haley serves as an active board member and audit committee member of Golden Bear Insurance Company. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing model portfolios, third-party subadvisors, and research to provide discretionary and non-discretionary management.

Charles Smith is a financial advisor at Osaic with 56 years of industry experience. He holds a Series 63 designation and previously worked at Securities America Advisors and National Planning Corporation. Smith serves on the board of Pathways, Inc., an organization providing addiction recovery, substance abuse treatment, and mental health counseling services. Osaic Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations through a large network of affiliated advisors and multiple advisory platforms. The firm integrates brokerage and investment advisory services using asset-allocation tools, risk-tolerance assessments, and access to third-party money managers, offering both discretionary and non-discretionary portfolio management.

Amber Lynn is a financial advisor with Edward Jones in Woodbridge, CA, holding the CFP® designation along with Series 63 and Series 66 licenses. She has 13 years of industry experience and has been with Edward Jones since 2014. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including high-net-worth households and charitable organizations. The firm manages approximately $1.01 trillion in assets through a network of about 23,701 advisors and offers a range of advisory programs with discretionary and non-discretionary strategies under a fiduciary standard.

Anthony Nieddu is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. He has been with Raymond James Financial Services Advisors Inc. since 2010. Outside of his primary role, he works as an independent contractor for Hickinbottom Financial in Lodi, CA. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individual, institutional, and nonprofit clients, utilizing tailored, non-discretionary strategies supported by advanced analytical tools.

Philip Benson is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has been with Merrill since January 1987 and has held leadership roles including managing the Stockton, CA office for 24 years and serving as Senior Resident Director of the 101 California Street office in San Francisco. Since June 2018, he has focused on client service and leadership of The BWS Group in Stockton, dedicating his efforts to wealth management strategies that address clients' concerns about financial security. Mr. Benson’s expertise encompasses the implementation of coordinated strategies for the accumulation, preservation, use, and transfer of wealth. He holds several professional designations including CERTIFIED FINANCIAL PLANNER (CFP), Certified Investment Management Analyst (CIMA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), and Personal Investment Advisor (PIA). He earned a Bachelor of Science degree in Agricultural and Managerial Economics from the University of California, Davis. Beyond his financial career, Mr. Benson umpired major college baseball games across the United States until his retirement in 2013, including being selected as one of eight umpires to work the 2012 Division I College World Series. He resides in Walnut Grove, California with his wife, Stacy Ann Enos, and has one son, Patrick, who is also a Merrill Financial Advisor.

Tiffany Archimede Ramirez is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 12 years of industry experience. Her career includes roles at JPMorgan Chase Bank, N.A., J.P. Morgan Securities, and The PNC Financial Services. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Christian Phillips is a financial advisor with LPL Financial in Lodi, CA, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. He has been with LPL Financial since 2003. Phillips is also involved in selling non-variable insurance products, including fixed annuities, disability, long-term care, and life insurance. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, and brokerage services with both discretionary and non-discretionary management, supported by research and model portfolios from internal and third-party sources.

Shannon Dubuisson is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and 14 years of industry experience. Prior to joining Cetera in 2024, she worked at Wells Fargo Clearing from 2016 to 2024. She is also involved in selling fixed insurance products as an insurance agent and owns a financial services firm, Poppy Wealth Management. Cetera Investment Advisers LLC is a nationwide network of independent advisors serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Robert Faust is a financial advisor with Cetera, holding a Series 66 license and 19 years of industry experience. He has worked with firms including Raymond James Financial Services and currently holds roles at Cetera and Barrett Business Services, where he serves as a business development manager in HR, payroll, and staffing services. In addition to his advisory work, Faust is involved in non-medical home care services as a business development manager for Visiting Angels. Cetera Investment Advisers LLC is an SEC-registered adviser serving individual, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management, financial planning, and retirement services, utilizing a multi-manager platform with diverse program options and more than 10,000 advisors across various custodial relationships.

Jamie Ince Santikham is a financial advisor at Ameriprise with 25 years of industry experience. He holds the Series 66 designation and previously worked at Wells Fargo Advisors and Wells Fargo Clearing. He is based in Stockton, California. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized retirement income service that provides written recommendation reports and ongoing tax-aware withdrawal guidance for clients approaching or in retirement.

Kevin Twing is a financial advisor at Cetera with 24 years of industry experience. He holds the Series 63 and Series 65 credentials and has been associated with Cetera and Cetera Wealth Services since 2013. In addition to his advisory role, he is an insurance agent selling life, annuities, and long-term care products, and he also provides notary services. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base that includes individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management, financial planning, and retirement services through a large network of advisors and operates a multi-manager platform with diverse investment program options.