Garrett Gilardi is a financial advisor with Wells Fargo Clearing in Folsom, CA, holding Series 63 and Series 66 licenses and bringing eight years of industry experience. He has been with Wells Fargo Clearing Services LLC since 2017 and has also worked at Wells Fargo Bank NA since 2015. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory services. The firm’s approach is IPS-driven and based on modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

David Milligan Jr. is a Wealth Management Advisor and principal of The Deelstra Group at Merrill Lynch Wealth Management. He holds the CERTIFIED FINANCIAL PLANNER™ certification and the Retirement Income Certified Professional® designation. David focuses on helping clients establish and execute a disciplined approach to retirement planning, providing access to Merrill's investment insights and the banking services of Bank of America. David works closely with clients, including business owners, executives, professionals, and multigenerational families, to discern their objectives and design cohesive strategies tailored to their financial goals. His expertise encompasses retirement readiness, cash flow management, aligning investments with time horizons, and mitigating retirement risks. He emphasizes a thorough process and transparent system to match investments to client goals and manages his team's efforts to ensure consistent performance. David earned his Bachelor's degree in Business Administration, Summa Cum Laude, from California State University Monterey Bay. Prior to his current role at Merrill Lynch, he served as the Head Golf Professional at Bayonet Black Horse Golf Course. David enjoys golfing and spends time with his family, including coaching his twin boys in Little League.

Arlene Leon is a financial advisor at Wells Fargo Clearing with 10 years of industry experience. She holds the Series 66 designation and has previously worked at Morgan Stanley and RBC Capital Markets. Outside of her advisory role, she is a commissioned notary public in California. 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 advice grounded in modern portfolio theory. The firm’s services include investment policy statement preparation, performance reporting, participant education, and plan benchmarking, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Thomas Goode is a financial advisor at Morgan Stanley with 46 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a range of advisory programs, including tailored financial planning and uses structured tools and models in its planning process.

Craig Mcloughlin is a financial advisor at Morgan Stanley with 31 years of industry experience. He holds the Series 63 and Series 65 designations and has been with Morgan Stanley and its affiliates since 2009, including roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. He previously worked at Citigroup Global Markets. Morgan Stanley Wealth Management is a registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured, tools-based planning process.

Terry Ward is a financial advisor with Merrill in Sacramento, CA, holding a Series 66 designation and 16 years of industry experience. He has been with Merrill Lynch since 2010 and has also worked at Bank of America, N.A. since 2011. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Lena Ronzone 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 Clearing since 2016 and previously at Wells Fargo Advisors LLC and Wells Fargo Bank NA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s advisory process is based on investment policy statements and modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options in its investment menus.

John Durham is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and eight years of industry experience. His prior roles include positions at PNC Investments LLC, New York Life Insurance Co, and various Wells Fargo entities. Outside of his advisory work, he co-owns Beauty House Esthetics LLC, a beauty services business based in Stockton, California. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary solutions. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options in its investment menus.

Babita Samtani is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and 11 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously held roles at WELLS FARGO Advisors, LLC and Wells Fargo Bank, N.A. She is based in Rancho Cordova, California. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Franklin Anselmi is a financial advisor at J.P. Morgan Securities with 30 years of industry experience. He has been with J.P. Morgan Securities since 2013 and holds Series 63 and Series 65 licenses. J.P. Morgan Securities provides institutional consulting services to clients such as corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with affiliated brokerage and investment management capabilities.

Denis Valle Jr. is a financial advisor at Wells Fargo Clearing in Sacramento, CA, holding Series 63 and Series 66 credentials with 27 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2011 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advisory services. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Sterling Koliba is a financial advisor at Edward Jones with Series 66 credentials and four years of industry experience. He has served in the United States Air Force Reserve since 2014 and currently holds a role as a Staff Sergeant in the California Army National Guard, working as a Transportation Management Coordinator. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and charitable organizations. The firm manages over $1 trillion in assets and offers a range of investment strategies, affiliated mutual funds, and tax-efficient services through a nationwide network of financial advisors and branch offices.

Lufino Mejorado is a financial advisor at Wells Fargo Clearing with 11 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Wells Fargo-related entities since 2013. In addition to his advisory role, he operates Timeless Music Productions as an audio engineer, providing sound engineering services for events. Wells Fargo Clearing offers retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, providing both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

Roberto Villalpando is a financial advisor with LPL Financial in Vacaville, CA, holding a Series 66 designation and one year of industry experience. His prior work includes roles at Travis Credit Union, Cellular Sales, Luxottica - Oakley, and Adidas. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Daniel Giese is a financial advisor at Merrill with a Series 66 designation and five years of industry experience. He has worked at Bank of America, N.A. since 2021 and has been with Merrill since 2020. Outside of his financial career, he has been involved with Airbnb since 2017. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies and serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Lindsey Lund is a financial advisor at Merrill with nine years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Merrill since 2020, previously spending five years at John Hancock Retirement Plan Services and four years at John Hancock Distributors LLC. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Michelle Wilbur is a financial advisor at Ameriprise with 28 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Ameriprise and its affiliates since 2009. Based in Sacramento, CA, she has worked exclusively within the Ameriprise organization throughout her career. Ameriprise provides a retirement-income planning service targeting individuals approaching or in retirement who meet specific eligibility criteria, typically involving significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary recommendations primarily for clients with Ameriprise-managed accounts.

Michele De George is a financial advisor with LPL Financial, holding a Series 66 credential and bringing 25 years of industry experience. She previously worked at Ameriprise Financial Services for nine years and operates MDG Legacy Advisors, Inc. In addition to her advisory work, she has been involved with Crossroads Christian Church in Vacaville for over 15 years. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a diverse client base that includes individuals, retirement plans, institutions, and charitable organizations. The firm offers a range of advisory programs and financial planning services supported by research, model portfolios, and various management options.

Joseph Yoon is a financial advisor with Merrill, holding a Series 66 designation and 26 years of industry experience. He has worked at Merrill since 2006 and is also affiliated with Bank of America, N.A. where he has been since 2017. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies managed by internal teams and third-party managers for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Stacey Crawford is a financial advisor at Wells Fargo Clearing with 31 years of industry experience. She holds Series 63 and Series 65 credentials and has worked at Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. Outside of her advisory role, she serves as an adjunct professor in the Division of Language & Literature at Los Rios Community College and works as a positive psychology and well-being coach. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment management. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broad range of financial products, such as insurance-related vehicles and bank deposit sweep options.