Richard Hernandez is a financial advisor at Fidelity with seven years of industry experience. He holds the Series 63 and Series 66 designations and has worked at Wells Fargo Bank NA and Wells Fargo Clearing Services LLC before joining Fidelity. 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 uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios from mutual funds, ETFs, and ETPs.

Colin O'Neill is a financial advisor at Edward Jones with a Series 66 designation and one year of industry experience. Prior to joining Edward Jones, he held positions at several companies including AirGarage, ezCater, AfterShip, and GRIN. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a range of advisory programs and investment solutions, managing approximately $1.01 trillion in assets. The firm is notable for its extensive retail advisor and branch network as well as its affiliated trust, mutual fund, and securities lending capabilities.

William Wang is a financial advisor with LPL Financial in Sacramento, CA, holding a Series 66 designation and 17 years of industry experience. He has worked at LPL Financial since 2011 and was previously with Waddell & Reed from 2009 to 2011. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers financial planning, model portfolio programs, third-party asset management, retirement advice, and institutional platforms, supported by a large network of over 22,800 advisors and extensive advisory and non-advisory financial services.

Jocelyn Fante Yim is a financial advisor with Wells Fargo Clearing in Sacramento, CA, holding Series 63 and Series 65 licenses and 16 years of industry experience. She has been with Wells Fargo Clearing and its affiliated firm since 2016. Outside of her advisory role, she is co-owner of a dog breeding business, Sheldon Woods Premier Pups LLC. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by in-house research and third-party analytics.

Thomas Goode is a financial advisor with Morgan Stanley in Sacramento, CA, holding a Series 66 designation and 14 years of industry experience. He has been with Morgan Stanley since 2012 and is currently associated with Morgan Stanley Private Bank, National Association. Outside of his advisory work, Goode serves as a board member of the Rotary Club of Arden Arcade Foundation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a broad range of advisory services to individuals and institutions, including customized financial planning supported by firm-approved tools and strategies.

Scott Walton is a financial advisor with Wells Fargo Clearing in Sacramento, CA, holding Series 63 and Series 65 licenses and bringing 12 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC and Wells Fargo Bank NA. Outside of his advisory role, he serves as treasurer for Walk 4 Mental Health, assisting with fundraising activities. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions grounded in an IPS-driven process and modern portfolio theory. The firm includes insurance-related investment options and bank deposit sweep programs as part of its broader financial product offerings.

Danilo Caldeira is a Financial Solutions Advisor (FSA) with Merrill Lynch Wealth Management. In this role, he focuses on connecting clients to the people, plans, and processes that align with their unique financial ambitions. He works with clients to plan for their personal goals, including funding education, preparing for retirement and health care costs, and developing long-term family financial strategies. Danilo takes time to understand what is important to each client, providing guidance across general investing, retirement planning, and saving for unexpected events. His approach emphasizes simplicity and transparency to help clients navigate the complexities of wealth planning. He holds a Bachelor's degree from Excelsior College and maintains professional designations as a Chartered Retirement Planning Counselor (CRPC) and a Personal Investment Advisor (PIA).

Samuel Ruxton is a financial advisor at Edward Jones with eight years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Northwestern Mutual Investment Services LLC and Northwestern Mutual Life Insurance Company for six years. 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 and investment strategies, managing approximately $1.01 trillion in assets through a nationwide network of financial advisors and branch offices.

James Coffin III is a financial advisor with Morgan Stanley in Sacramento, CA, holding a Series 63 designation and 38 years of industry experience. He has been with Morgan Stanley since 2009 and previously worked at Morgan Stanley Private Bank, National Association. Outside of his advisory role, he serves as a Successor Trustee in Walnut Creek, California. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs including tailored financial planning and uses structured planning tools and modeling techniques in its process.

Henrry Medrano is a Financial Advisor with Merrill Lynch Wealth Management, where he provides comprehensive wealth management services tailored to clients' individual needs. He works closely with clients to connect all aspects of their financial lives, helping prioritize and pursue goals through customized strategies that adapt to changing circumstances. Henrry and his team at TSPN Wealth Management Group offer guidance in areas such as retirement planning, business launching, and investment opportunities, leveraging access to banking and lending services through Bank of America. Henrry holds a Personal Investment Advisor (PIA) designation and earned his High School Diploma/GED from Houston Community College. He is actively involved in professional organizations including the Greater Houston Partnership, Greater Houston Women's Chamber of Commerce, Greater Northside Chamber of Commerce, and Women's Energy Network. His community involvement extends to participation in groups such as the Greater Northside Chamber of Commerce, Houston Livestock Show & Rodeo Corral Club, Interfaith Ministries, Rescue America, SWAT Ministries International, United Way, Wesley Community Center, and Women's Energy Network. Outside of his professional work, Henrry enjoys camping, cooking, running, traveling, watching movies, practicing yoga, and spending time with his family. His approach emphasizes building robust financial strategies that provide security and adaptability, guiding clients through life's uncertainties toward their financial aspirations.

James Radovich is a financial advisor with Wells Fargo Clearing in Sacramento, CA, holding Series 63 and Series 65 credentials and bringing 12 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC and Wells Fargo Bank NA. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and combines research from Wells Fargo Investment Institute with third-party analytics to guide its investment approach.

Glen Cheron is a financial advisor with Cetera and holds Series 63 and Series 65 credentials. He has 32 years of industry experience and has worked with Cetera and Financial Network Wealth Advisors LLC since 2013 and 2018, respectively. Outside of advisory roles, Cheron serves on the board of directors for Point West Rotary and participates in local homeowners association committees, including budget and long-range planning. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base that includes individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management, financial planning, and consulting services through a multi-manager platform that features discretionary and non-discretionary options, model portfolios, and access to third-party money managers.

Patrick Barr is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 17 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors from 2013 to 2016. Based in Sacramento, CA, his career has been focused within the Wells Fargo organization. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and grounded in modern portfolio theory, serving as an ERISA fiduciary and including a broader set of financial product offerings than typical for large institutional advisers.

Sterling Dalatri is a financial advisor with Morgan Stanley in Sacramento, CA, holding a Series 63 designation and 34 years of industry experience. He has been with Morgan Stanley and its affiliates since 2007, including roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and provides services through financial advisors and the Estate Planning Strategies Group.

Curtis Godt is a Senior Financial Advisor with Merrill Lynch Wealth Management, specializing in discretionary portfolio management for high net worth clients. He has been in the investment management business since January 1989, beginning his career with Merrill Lynch Wealth Management in Palo Alto. Curtis focuses on personal retirement planning, portfolio management services, and retirement income strategies. A fifth generation Californian born in Berkeley and raised in Sacramento, Curtis graduated with a Bachelor's degree from the University of California, Berkeley in December 1986. He holds the Personal Investment Advisor (PIA) designation and is actively involved in professional and community organizations including Union-Tehama Lodge No. 3, The Scottish Rite of Freemasonry in Sacramento, and Ben Ali Shrine. Curtis lives in Elk Grove with his wife and son. Outside of his professional work, he enjoys golfing, reading, and spending time with his family. He also participates in community activities such as the John F. Kennedy Class of 1982 40 Year Reunion and various Masonic entities to which he belongs.

Shan Allen is a financial advisor at Mass Mutual Investors Services with a Series 66 credential and one year of industry experience. Prior to joining the firm, Allen held positions with Park Avenue Securities, Guardian Life Insurance Company, and NYLife Securities LLC. Outside of financial services, Allen was involved in a political campaign, working with Bobbie Singh Allen for Mayor from 2020 to 2025. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, annual financial planning engagements utilizing firm-approved software tools and provides additional event-driven planning programs such as divorce and estate settlement.

Jason Crowell is a financial advisor with LPL Financial in Elk Grove, CA, holding a Series 66 designation and 15 years of industry experience. He has been with LPL Financial since 2011 and also has ties to Golden 1 Credit Union since 2009. 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 through a large network of investment adviser representatives. The firm offers a range of financial planning and investment management solutions, utilizing model portfolios, third-party subadvisors, and customized strategies.

Joanne Mcconiga is a financial advisor with Wells Fargo Clearing in Folsom, CA, holding Series 63 and Series 65 licenses and possessing 11 years of industry experience. She has worked at Wells Fargo Clearing since 2016, following two years with Wells Fargo Advisors LLC and concurrent employment with Wells Fargo Bank NA since 2012. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advice grounded in modern portfolio theory. The firm’s services include investment policy statement preparation, investment recommendations across a broad range of products, performance reporting, and participant education, acting as an ERISA fiduciary in its advisory capacity.

Sean Langley is a financial advisor with Morgan Stanley in Sacramento, CA, holding Series 63 and Series 65 licenses and with 28 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients through a range of advisory programs, including customized financial planning and estate planning services. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and scenario modeling in its advisory process.

Ariel Agustin is a Senior Financial Advisor with Merrill Lynch Wealth Management. In this role, Ariel provides personalized wealth management strategies tailored to clients' individual financial situations and goals. Leveraging the investment insights of Merrill and the banking services of Bank of America, Ariel helps clients navigate changing market conditions and pursue their financial objectives. With expertise in areas including executive compensation, retirement income, philanthropic planning, socially responsible investing, and tax minimization, Ariel offers comprehensive wealth management that begins with understanding the client's family and financial priorities. Ariel holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Ariel earned a bachelor's degree from the California State University System. Outside of work, Ariel’s personal interests include basketball, biking, genealogy, interior decorating, spending time with family, and traveling. Ariel’s approach is grounded in a philosophy of providing personalized support to help clients achieve their goals with clarity and confidence.