Rachel Pierini is a financial advisor at Provident Living Financial Services with nine years of industry experience. She holds a Series 65 designation and has been with Provident Living since 2015. Outside of her advisory role, Pierini owns QB Business Solutions, LLC, which provides life and financial advocacy services, notary services, and administrative support. Provident Living Financial Services serves individuals, trusts, estates, nonprofit organizations, and business clients with discretionary portfolio management, financial planning, and group retirement plan investment management. The firm employs a blended advisory and financial wellness model, offering multi-tiered membership plans and concierge services alongside its investment programs.

Elias Reyna is a financial advisor at Centaurus Financial, Inc. with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked with Securities America Advisors and Securities America, Inc. Outside of his advisory role, he sells health insurance through Anthem Blue Cross. Centaurus Financial, Inc. provides advisory and brokerage services to a diverse client base including individuals, families, small businesses, corporations, trusts, and foundations. The firm offers a range of financial planning and portfolio management services, utilizing both discretionary and non-discretionary arrangements with various analytical approaches and specialized advisory management options.

Brandon Halliday is a financial advisor at PNC Wealth Management with 10 years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at Hickingbottom Financial Services, Raymond James Financial Services Advisors, and BBVA Securities. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an online discretionary model account available as an invitation-only pilot for employees. The firm uses algorithmic questionnaires to guide investment risk bands and implements portfolios via approved strategies with mutual funds and ETFs.

Adam Bain is a financial advisor at Citigroup Global Markets with 23 years of industry experience. He holds the Series 66 designation and has been with Citigroup Global Markets since 2007. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs, execution, and custody services. The firm employs multi-asset, multi-manager strategies and combines large institutional scale with specialized market roles and arrangements.

Adrienne Guerra is a financial advisor with Ameriprise in Atwater, CA, holding a Series 66 designation and 20 years of industry experience. She has been with Ameriprise since 2015. Outside of her advisory role, she serves on the board of the Peggy Heller Parent Club as Treasurer, acts as Secretary for the Atwater High School Quarterback Club, and teaches catechism to 2nd through 4th graders at St. Anthony's Church. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations. The firm also offers a broad array of advisory, brokerage, and insurance solutions through its affiliated entities.

Mark Vega Felix is a financial advisor at Edward Jones with seven years of industry experience. He holds Series 63 and Series 66 credentials. Prior to joining Edward Jones in 2022, he worked at Wells Fargo Bank NA for seven years. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households, pension plans, corporate clients, and charitable organizations. The firm offers a range of advisory programs, discretionary and non-discretionary investment strategies, and affiliated mutual funds, operating under a fiduciary standard.

Alberto Escobedo is a financial advisor at Merrill with a Series 66 credential and one year of industry experience. He has worked at several major firms including Bank of America, Wells Fargo, Citi Bank, Morgan Stanley, and JP Morgan Chase. Outside of his advisory role, he serves as a board member for the City of Merced Building and Housing Board of Appeals. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to a diverse client base including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations. The firm offers a range of model-based and discretionary investment strategies supported by internal Chief Investment Office teams and third-party managers.

Steve Teranishi is a financial advisor with Ameriprise in Merced, CA, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of advising, he serves on the Board of Directors for the Merced County 4-H Sponsoring Committee and has held leadership roles with the Japanese American Citizens League, Livingston-Merced Chapter. Ameriprise offers retirement-income planning services primarily for clients with substantial investable assets, combining research, modeling, and tax-efficiency strategies to provide tailored recommendation reports. The firm operates as a large institutional provider, delivering a broad range of advisory, brokerage, and insurance solutions.

Ted Dietz is a CFP® with 25 years of industry experience currently serving at LPL Financial in Merced, CA. He previously worked at UBS Financial Services for three years and spent six years at Noble Credit Union. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment solutions through a large network of advisors, utilizing both proprietary and third-party strategies.

Brian Gudgel is a financial advisor with LPL Financial, holding a Series 66 designation and 19 years of industry experience. He worked at UBS Financial Services from 2007 to 2025 before joining LPL Financial. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and other institutions. The firm offers financial planning, model portfolio programs, third-party asset management access, and institutional platforms, utilizing a range of investment strategies supported by advisor-facing tools.

Edgar De La Cruz is a financial advisor at Ameriprise with a Series 66 designation and three years of industry experience. Prior to joining Ameriprise, he worked at Instacart and Freddy's Kitchen Torteria, and he served as an advisor for the Merced High School LEO's Club, where he assists with meetings and supports service projects. Ameriprise Financial Services serves individual and institutional clients, offering specialized retirement income planning that includes a written Recommendation Report and ongoing advice focused on dependable income sources and tax-aware withdrawal strategies.

Eric Gieling is a financial advisor with Ameriprise, holding a Series 66 designation and 10 years of industry experience. He has been with Ameriprise and its affiliated entities since 2004. Outside of his advisory role, he serves on the Board of Directors for YoungLife and is vice-chair of The Hope's mission team, both nonprofit organizations in Atwater, CA. Ameriprise provides retirement-income planning services primarily for clients nearing or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored recommendations through a centralized consulting team.

Lynnette Mcgill Koehn is a financial advisor with LPL Financial, holding a Series 66 designation and 18 years of industry experience. Her prior roles include positions at Cetera Advisor Networks LLC, Choice Financial Group, and Cetera Wealth Services, LLC. She is based in Merced, California. 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.

James Price is a financial advisor with LPL Financial in Merced, CA, holding a Series 66 designation and 11 years of industry experience. He previously worked at Edward Jones for five years before joining LPL Financial in 2020. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to 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, supporting advisors with research and operational tools.

Mark Seivert is a CFP® professional with 43 years of industry experience, currently serving at Ameriprise since 2020. He was previously with Ameriprise Financial Services, Inc. from 2005 to 2020. Outside of his advisory role, he serves on the boards of Love Inc of Merced and the Merced Breakfast Lions foundation. Ameriprise is a large institutional firm offering a retirement-income planning service tailored for individuals approaching or in retirement with significant investable assets. The firm provides a comprehensive range of advisory, brokerage, and insurance solutions through affiliated companies, combining research-driven, algorithm-assisted recommendations with personalized financial advice.

Jared Goodin is a financial advisor at LPL Financial with six years of industry experience. He holds a Series 66 designation and has worked at Cetera and its affiliates prior to joining LPL Financial. Outside of his advisory role, he owns and operates Emprah LLC, a real estate rental business. 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 investment options including model portfolios, third-party asset management, and institutional platforms, supported by advanced operational tools and a broad suite of financial services.

Edward Macha III is a financial advisor with LPL Financial holding a Series 66 designation and 18 years of industry experience. Prior to joining LPL Financial in 2025, he spent 18 years at UBS Financial Services. He is also the owner of Kennedymacha Enterprises LLC, a non-investment related 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 financial planning, portfolio management, and institutional services utilizing various investment strategies and advisor-support tools.

Daniel Zacharias is a financial advisor with LPL Financial, holding a Series 66 designation and 17 years of industry experience. He previously worked at UBS Financial Services from 2009 to 2026. Outside of his advisory role, he is a partner in ZBROS Investments, a real estate and lending partnership. 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 provides a range of advisory and brokerage services through a large network of investment adviser representatives, offering customized investment strategies alongside its model portfolios and third-party asset management options.

Andres Curiel IV is a financial advisor at LPL Financial with nine years of industry experience. He previously worked at UBS Financial Services for eight years and AXA Advisors, LLC for one year. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions through a large network of investment adviser representatives. The firm offers a range of advisory and brokerage services including financial planning, model portfolio programs, and institutional platforms.

Cody Bijou is a financial advisor with Edward Jones in Merced, California, holding a Series 66 designation and eight years of industry experience. He has been with Edward Jones since 2017. Prior to his career in financial advising, he worked at Panera Bread and the University of Arkansas at Monticello. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, supporting approximately $1.01 trillion in assets under management.

Matthew Sebastian is a financial advisor with Thrivent Investment Management in Merced, California. He holds Series 63 and Series 65 licenses and has 24 years of industry experience, having worked with Thrivent Financial for Lutherans and Thrivent Investment Management since 2002. Outside of his advisory role, he is involved in managing a single-family residence rental. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a nationwide network of financial advisors. The firm offers comprehensive, goal-based planning across multiple financial topics, combining planning with managed-account programs while keeping those services distinct.

Nai Saelee is a Series 66-registered financial advisor with Ameriprise in Merced, California, and has 11 years of industry experience. He has been with Ameriprise and its related entities since 2007. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement with significant investable assets, providing written recommendations on income, Social Security, and tax strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary advice, supported by algorithmic tools and a centralized consulting team.

Ann Xaipanya is a financial advisor at Edward Jones in Merced, California, holding a Series 66 designation with three years of industry experience. Prior to joining Edward Jones, she worked at OPEK Investments LLC and held positions at Educational Employees Credit Union and Target. Edward Jones is a full-service wealth management firm serving individual and institutional clients with both discretionary and non-discretionary investment strategies. The firm manages over $1 trillion in assets and operates a large nationwide network of advisors and branch offices.

Jeremiah Duda is a financial advisor at Ameriprise with two years of industry experience. He holds a Series 66 credential and has held positions at Ameriprise, Citigroup, and the Merced Union High School District. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Clinton Moore is a financial advisor at LPL Financial with 39 years of industry experience. He holds a Series 63 designation and previously worked at UBS Financial Services for 38 years before joining LPL in 2025. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management services, utilizing both proprietary and third-party models across discretionary and non-discretionary strategies.