Michael Melo is the principal of Melo Out Financial, LLC, holding a Series 65 credential with over 20 years of experience, including two decades at Yosemite Farm Credit. He began his financial advisory career independently before founding his current firm in 2025. Melo Out Financial provides investment management and financial planning services to individuals, high-net-worth families, and small businesses, including agricultural clients. The firm focuses on long-term, index-oriented strategic asset allocation with a mix of ETFs, mutual funds, bonds, and cash equivalents, offering both discretionary and non-discretionary portfolio management alongside coaching, consulting, and estate-planning coordination.

Robert Hillberg is the principal of Hillberg Capital Management, LLC in Turlock, California, and holds the PFS™ designation. He has 21 years of experience in financial advising and has operated his investment advisory firm since 2004. In addition, he has been a partner at Hillberg & Co, CPAs since 1980, providing tax, accounting, and general business services outside of investment advising. Hillberg Capital Management is a fee-only registered investment adviser serving individuals, trusts, retirement plans, and businesses. The firm focuses on strategic asset allocation and diversification, primarily using mutual funds and ETFs, and integrates its investment management with the affiliated CPA practice for coordinated tax and financial planning.

John Costa is a financial advisor at Influx Capital Management with 12 years of industry experience. He holds Series 63 and Series 65 licenses and has a background that includes roles at Re/Max Del Oro, Influx Insurance Services, and Principal Life Insurance Company. Outside of advisory services, he is involved in the sale and service of group medical and non-medical benefits. Influx Capital Management serves individuals, trusts, IRAs, and corporate clients by managing portfolios of stocks, bonds, ETFs, and other public investments on a non-discretionary basis. The firm employs a value-oriented investment approach combining fundamental and technical analysis with quantitative screening, focusing on underpriced securities with multi-year catalysts and maintaining low portfolio turnover for tax efficiency.

Kevin Berger is the sole advisor at Berger Asset Management, Inc. in Turlock, CA, holding a Series 63 credential with 14 years of industry experience. Prior to founding his firm, he worked at Berger & Company, CPAs for 18 years. Outside of his advisory role, he serves as president and director of several non-investment related companies, including Colonize Media, Inc., a digital media distribution firm, as well as employee benefit administration and consulting companies. Berger Asset Management provides discretionary portfolio management and advisory services to individuals, corporations, pension and profit-sharing plans, and estates and trusts. The firm employs a fundamental, value-oriented investment approach focused on large- and mid-cap securities, tailoring portfolios to client objectives and incorporating various instruments such as equities, debt, mutual funds, ETFs, options, and limited futures.

Karmjit Bath is a Series 65-licensed advisor at Three Oaks Wealth with one year of industry experience. Prior to joining Three Oaks Wealth, Bath held roles at MLOA, TOR Wealth Advisor, and Intel Corporation. Three Oaks Wealth serves individuals, families, trusts, estates, and employer-sponsored retirement plans, offering comprehensive financial planning, discretionary investment management, and retirement plan consulting. The firm uses a strategic, research-driven investment process combining top-down asset allocation and bottom-up security selection to build diversified portfolios.

Glenn Andrade is a financial advisor with AFS Investments in Turlock, California, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He has worked at AFS Investments since 2012 and previously spent 10 years at Mutual Securities Inc. Andrade is also a licensed life insurance agent involved in the sale and servicing of life insurance policies. AFS Investments provides advisory and planning services to individuals, retirement plan sponsors, trusts, and business entities, managing approximately $56 million across about 140 client relationships. The firm employs both bottom-up stock selection and top-down asset allocation approaches, offering discretionary, non-discretionary, and self-directed engagement options.

Arthur Askil is a financial advisor at Titan Capital Management with 21 years of industry experience. He holds Series 63 and Series 66 designations and has been with Titan Capital Management since 2005 in its various entities. Titan Capital Management provides discretionary portfolio management and financial planning services to individuals, businesses, pension and profit-sharing plans, and other registered investment advisors. The firm employs a Global Tactical Asset Allocation approach using proprietary quantitative models to adjust asset allocations dynamically across an aggressive-to-conservative risk spectrum.

Gary Pevey is a financial advisor at AFS Investments with 32 years of industry experience. He holds the ChFC® designation and Series 63 license. His prior experience includes roles at Mutual Securities, Inc. and Wealth Design Group, where he worked for over two decades. Outside of advisory services, he is an agent for Wealth Design Group Insurance Corporation, involved in life, health, and disability planning. AFS Investments serves individuals—including high-net-worth and non-HNW clients—retirement plan sponsors, trusts, and business entities, managing approximately $56 million across about 140 client relationships. The firm employs both “bottom-up” stock selection and “top-down” asset-allocation strategies and offers discretionary, non-discretionary, or self-directed client engagement options.

Michael Abram is a CFA® charterholder and holds a Series 65 license with 10 years of industry experience. He has been with Integral Investment Advisors, Inc. since 2015 and briefly attended California State University, Stanislaus in 2016. Beginning in December 2024, he will serve as the Treasurer for the City of Turlock, managing the city’s fixed income investment portfolio. Integral Wealth Management provides discretionary investment management, financial planning, and retirement plan consulting to individuals, charitable organizations, and employer-sponsored plans. The firm focuses on asset-allocation-based portfolio construction with a total-return orientation and employs a tactical sector tilt, using a variety of instruments including options and digital-asset strategies.

Mallory Sise is a CFP® and Series 65-registered advisor with Integral Wealth Management, bringing four years of industry experience. She has worked at Integral Investment Advisors, Inc. since 2022 and has prior experience with Crosspoint Church and California State University, Stanislaus. Integral Wealth Management is a SEC-registered advisory firm serving individuals, charitable organizations, and employer retirement plans. The firm manages approximately $673.9 million in assets, utilizing a customized, asset-allocation driven approach focused on capital preservation and after-tax total return, incorporating both fundamental and technical research.

Brooke Gaither is a CFP® professional with 10 years of industry experience, currently serving at Integral Wealth Management. Her prior experience includes roles at Charles Schwab and Charles Schwab Bank, where she worked for eight years, as well as a year at LPL Financial. Integral Wealth Management is a SEC-registered advisory firm that manages approximately $673.9 million in assets for individuals, charitable organizations, and employer retirement plans. The firm employs a customized, asset-allocation driven investment approach focused on capital preservation, after-tax total return, and tactical sector allocation.

Jodi Karambela is a CFP® professional with 23 years of industry experience, currently serving at Integral Wealth Management since 2008. She holds Series 63 and Series 66 licenses and is based in Turlock, CA. Integral Wealth Management provides discretionary investment management, financial planning, and retirement plan consulting to individuals, charitable organizations, and employer-sponsored plans. The firm emphasizes asset-allocation-based portfolio construction with tactical sector tilts and employs a range of instruments including options and digital-asset strategies.

David Epps is a CFP® with 28 years of industry experience. He currently works at Integral Wealth Management and previously spent over two decades at Charles Schwab and Charles Schwab Bank. Integral Wealth Management offers discretionary investment management, financial planning, and retirement plan consulting to individuals, charitable organizations, and employer-sponsored plans. The firm employs an asset-allocation-based approach with a tactical sector tilt and utilizes a variety of investment instruments, including options and digital-asset strategies, while providing regular account reviews and client meetings.

Dustin Roberts is a financial advisor at Savvy with 13 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at U.S. Bancorp Investments, U.S. Bank, and BBVA-affiliated firms. He serves as a board member of ACT Advancing Children of Turlock, a nonprofit organization. Savvy provides customized discretionary and non-discretionary investment and wealth management services to individuals, trusts, estates, retirement plans, charitable organizations, and corporations. The firm combines an index-based core with tailored strategies such as direct indexing with tax-loss harvesting, active and passive stock portfolios, and ESG-focused models, supported by a parent technology platform and third-party tools.

David Hubble is a financial advisor at Compound Planning, Inc. with 43 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Claraphi Advisory Network, LLC, B. Riley Wealth Advisors, Inc., and Brookstreet Securities Corporation. Compound Planning serves individuals, high-net-worth families, businesses, retirement plans, and financial intermediaries with discretionary portfolio management, financial planning, and institutional advisory services. The firm combines long-term buy-and-hold strategies with tactical risk-based portfolio management and offers both direct investment management and a turnkey asset management program that includes third-party and alternative investment models.

Rodney Smith is a financial advisor at NWF Advisory Services Inc with 26 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at firms including LPL Financial and National Planning Corporation. He serves as an elder and board member at Calvary Chapel Turlock. NWF Advisory Services is an SEC-registered investment adviser managing approximately $6.4 billion in client assets through a network of over 100 advisory representatives. The firm primarily serves individual and high-net-worth clients with portfolio management, financial planning, and retirement plan consulting using an open-architecture, technology-driven approach.

Alexander Aliagaauqui is a financial advisor at Citigroup Global Markets with a Series 66 designation and four years of industry experience. His prior roles include positions at U.S. Bancorp Advisors, U.S. Bank, Bank of America, Merrill Lynch, and BBVA. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a range of investment advisory programs and broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies through discretionary and non-discretionary programs and maintains significant institutional capabilities including in-house research and unique market roles.

Laura Zendejas Vargas is a financial advisor at Fidelity with 10 years of industry experience. She holds Series 63 and Series 66 designations and has previously worked at Wells Fargo in various capacities from 2012 to 2022. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a combination of proprietary fundamental research and quantitative analysis to construct model portfolios from mutual funds, ETFs, and ETPs.

Richard Moen is a financial advisor with LPL Financial based in Turlock, CA, holding Series 63 and Series 65 credentials and 25 years of industry experience. He previously worked at Securities America, Inc. and Winton-Ireland, Strom and Green, among other firms. Moen is also involved with NVI, a non-variable insurance business in Modesto, CA. 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 financial planning, model portfolio programs, third-party asset management, and institutional platforms, providing advisory services through a large network of investment adviser representatives.

Philip Chao is a CFP® professional with 24 years of industry experience. He currently works at Cetera and has held roles at Axsome, Lundbeck, Voya Financial Advisors, and Fortune Financial. In addition to his advisory work, he is a sales manager at a pharmaceutical company. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad range of clients, including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers diverse portfolio management and financial planning services through a large network of independent advisors and a multi-manager platform.

Michael Schwitalla is a financial advisor at Edward Jones with 12 years of industry experience. He holds the Series 66 designation and has been with Edward Jones since 2013. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, with approximately $1.01 trillion in assets under management. The firm offers a range of advisory services, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Curtiss Deoliveira is a CFP® professional with 34 years of industry experience. He has been with Osaic since 2025, following a 34-year tenure at Lincoln Financial Advisors Corporation. In addition to his advisory role, he is involved in insurance sales and service through Western Valley Insurance Associates, handling products such as life, disability, and long-term care insurance. Osaic Wealth, Inc. serves a wide range of retail and institutional clients through a large network of affiliated advisors, offering integrated brokerage and advisory services, financial planning, and access to third-party money managers. The firm utilizes firm-provided asset allocation tools and supports both discretionary and non-discretionary portfolio management.

Jeron Brown is a financial advisor at Edward Jones in Turlock, CA, holding a Series 66 designation with 15 years of industry experience. He has been with Edward Jones since 2010. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and operates a large nationwide network of advisors and branch offices.

Darnell Simmons is a financial advisor at Merrill with seven years of industry experience. He holds a Series 66 designation and has worked at Merrill and Bank of America since 2019. Prior to his current roles, he was employed by Morgan Stanley, SolarCity Corporation, and Forest Hill Management, among others. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program for Bank of America fiduciary clients. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Bryan Nelson is a CFP® with 22 years of experience in the financial industry, currently serving as an advisor at LPL Financial. He has held prior roles at Orion Wealth Inc. and Securities America, Inc., accumulating extensive experience before joining LPL. Outside of his advisory work, Bryan operates a radio broadcasting business. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing a broad range of advisory and brokerage services to individuals, retirement plan participants, and institutional clients. The firm employs a variety of investment strategies and platforms, supported by advanced research and operational tools.

Nicholas Mori is a financial advisor at Edward Jones with eight years of industry experience. He has held roles at Morgan Stanley Private Bank, Morgan Stanley, and Wells Fargo prior to joining Edward Jones in 2020. Mori holds Series 63 and Series 66 licenses. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, with a nationwide network of over 23,700 financial advisors.

Manjinder Kaur is a financial advisor at LPL Financial with seven years of industry experience. She holds Series 63 and Series 65 credentials and has worked at firms including JPMorgan Chase Bank, N.A., J.P. Morgan Securities LLC, and BMO Harris Bank. 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 and third-party asset management, and supports advisors with technology tools while overseeing over $819 billion in discretionary assets.

Leonard Bettencourt is a financial advisor at Cetera with 27 years of industry experience. He holds the PFS™ and Series 66 designations and has previously worked at Avantax and 1st Global Advisors. Bettencourt is also a CPA. Cetera Investment Advisers LLC serves a diverse client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management and consulting services, supporting a wide range of program structures and investment strategies.