Pang Lee Wong is a financial advisor at Morgan Stanley with 10 years of industry experience. He holds the Series 63 and Series 66 licenses and previously worked at UBS Financial Services and J.P. Morgan Securities. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and modeling techniques as part of its financial planning process.

Jacob Martinez is a financial advisor with Morgan Stanley in Folsom, CA, holding a Series 66 designation and three years of industry experience. His work history includes positions at Morgan Stanley Private Bank and Assurance IQ, as well as prior roles in the insurance sector. Martinez is also an independent insurance agent affiliated with United Health Care. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual 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 utilizes structured planning processes supported by firm-approved tools and market simulations.

Gary Bladen is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he has been serving clients since 2012. Based in the Palo Alto branch, he works closely with individuals and families to develop personalized financial strategies tailored to their specific goals, values, and needs. His approach involves regular reviews to ensure financial plans remain aligned with the client's evolving life circumstances. Gary's expertise encompasses a broad range of financial planning areas, including retirement planning, college education funding, legacy planning, managing new wealth, tax minimization, and socially responsible investing. He holds several professional designations, including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Prior to joining Merrill Lynch, he worked with clean technology startups focusing on sustainability and resource efficiency and contributed to innovation efforts in the Sacramento area. He earned his bachelor's degree from the University of California system. Outside of his professional work, Gary enjoys playing music, cooking, soccer, traveling, and spending time with his family.

Charlotte Russo is a financial advisor at Merrill with 19 years of industry experience. She holds Series 63, Series 65, and Series 66 licenses. Her prior work includes roles at Wells Fargo Advisors and Bank of America. She is involved with the Josephine Lugo Trust outside of her advisory duties. 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 strategies constructed by internal and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Ana Ramirez is a financial advisor at Cetera with 25 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Cetera and Cetera Wealth Services since 2013. Ramirez is also the owner of Ana Ramirez Investments LLC, a financial services DBA, and is involved in fixed insurance sales focused on life and annuities. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of over 10,000 advisors. The firm offers a range of portfolio management and financial planning services with multiple program structures and access to affiliated and third-party managers.

Ashley Orias Burkman is a financial advisor at Morgan Stanley with six years of industry experience. She has worked at Morgan Stanley since 2019 and previously spent five years at BMO Family Office, LLC. She holds a Series 66 designation. Morgan Stanley Wealth Management serves individual and institutional clients by providing a range of advisory programs, including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through Corporate Financial Planning agreements.

Jeremias Deo Villagran is a financial advisor at J.P. Morgan Securities with six years of industry experience. He holds a Series 66 designation and has worked previously at Franklin/Templeton Distributors, Inc. Beyond his advisory role, he owns DV Construction, LLC, a business focused on referring roofing jobs to contractors. 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.

Jeffrey Daft is a financial advisor with Robert W. Baird & Co. in Roseville, CA, holding a Series 63 designation and bringing 49 years of industry experience. He has been with Robert W. Baird since 2009. Outside of his advisory role, he is a partner in Daft Partners, jointly managing a cabin at Lake Tahoe with his brother. He is part of the DDK Group within Robert W. Baird’s Private Wealth Management practice, which serves individuals, families, pension plans, corporations, and institutional clients. The group offers tailored financial planning and portfolio management services, including both discretionary and non-discretionary strategies, utilizing a combination of in-house and third-party managers.

Stansfield Fries III is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 registrations and bringing 32 years of industry experience. He has been with Cambridge Investment Research Advisors and Cambridge Investment Research, Inc. since 2008. Outside of his advisory role, Fries is also an independent insurance agent affiliated with various independent insurance companies. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base that includes individuals, pension plans, charitable organizations, trusts, estates, and retirement-plan sponsors. The firm offers financial planning, investment management, retirement plan advisory, and financial wellness services through a network of independent financial professionals, employing a variety of portfolio management strategies across multiple custody and platform arrangements.

Robert Chase is a financial advisor with Mass Mutual Investors Services in Sacramento, CA, holding Series 63 and Series 65 licenses and 13 years of industry experience. He has worked with MML Investors Services LLC and MassMutual Life Insurance Company since 2014. Outside of his advisory role, he acts as a life and health insurance agent. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, using firm-approved tools to analyze client goals and structure collaborative, annual planning engagements.

Wayne Soloaga is a financial advisor with Morgan Stanley in Sacramento, CA, holding Series 63 and Series 65 credentials and bringing 39 years of industry experience. He has worked within various Morgan Stanley entities since 2007, including 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 its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process utilizing tools such as Secular Return Estimates and Monte Carlo simulations.

David Gonzalez is a financial advisor at Ameriprise with 22 years of industry experience. He holds a Series 66 designation and has previously worked at Mass Mutual Investors Services, Massachusetts Mutual Life Insurance Company, and Metlife Securities. Outside of his advisory role, he owns K4k Construction, a business focused on 3D printing homes. Ameriprise offers a retirement-income planning service tailored to individuals with significant investable assets, combining research, modeling, and tax-efficient strategies to provide personalized recommendation reports. The firm serves clients through a centralized consulting team and delivers integrated advisory, brokerage, and insurance solutions.

Anthony Wilson is a financial advisor with Primerica Advisors in Sacramento, CA, holding Series 63 and Series 65 credentials and bringing 36 years of industry experience. He has been with Primerica Advisors since 1990 and has been associated with Primerica Financial Services since 1985. In addition to his advisory role, he is involved in the sale of loan products and home security and automation services through Primerica affiliates. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, corporate, and charitable clients. The firm employs model-delivery strategies managed by unaffiliated asset managers and offers discretionary portfolio management supported by custodial services from Pershing.

Luke Cummings is a financial advisor with LPL Financial who holds a Series 66 designation and has 20 years of industry experience. He has been with LPL Financial since 2009 and previously worked at Wells Fargo Clearing and A. G. Edwards & Sons, Inc. Outside of his advisory role, he is involved with SAFE Financial Services, which provides investment, advisory, and insurance services. 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 advisory and brokerage services, employing a variety of investment approaches including model portfolios, third-party subadvisors, and customized strategies.

Dustin Buck is a financial advisor with LPL Financial in Fair Oaks, CA, holding Series 63, 65, and 66 licenses and bringing 20 years of industry experience. He previously worked at Ameriprise and Edward Jones before joining LPL Financial in 2015. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and model portfolio programs, with a platform combining broad financial products and oversight of substantial discretionary assets.

Jake Remolona is a Financial Advisor at Merrill Lynch Wealth Management. He began his career in 2021 after graduating from the University of California, Davis with a degree in Managerial Economics. Jake initially worked with Equitable Advisors as a Financial Professional before joining Merrill Lynch Wealth Management in 2024. His areas of focus include family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, tax minimization, and retirement income. He holds the designation of Personal Investment Advisor (PIA). Jake emphasizes building personalized financial plans and providing ongoing advice tailored to clients' unique goals. Outside of his professional work, Jake enjoys baseball, football, golfing, photography, reading, running, skiing, soccer, spending time with his family, and traveling.

Demi To is a financial advisor at Fidelity with Series 63 and Series 66 licenses and four years of industry experience. Prior to joining Fidelity, Demi worked at Bank of America and Merrill. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including discretionary portfolio management and model portfolio delivery. The firm uses proprietary fundamental research combined with quantitative analysis and algorithmic portfolio construction, employing systematic methodologies and long-term asset allocation benchmarks.

Barbara Reese is a CFP® professional with 34 years of industry experience, currently with LPL Financial since 2003. She previously worked at Securian Financial Services for three years. Outside of her advisory role, she is a co-owner of Stoney's Rockin' Rodeo Restaurant in Sacramento, CA. 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 comprehensive advisory and brokerage services through a large network of investment adviser representatives, utilizing a range of portfolio management strategies and operational tools.

Nicholas Pulido is a financial advisor at Merrill with six years of industry experience. He holds Series 63 and Series 66 designations. His prior experience includes roles at JP Morgan Securities LLC and Bank of America, N.A. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

James Defilippi is a financial advisor at Wells Fargo Clearing with 11 years of industry experience. He holds the Series 63 and Series 66 designations and has been with Wells Fargo Clearing since 2016, following a tenure at Wells Fargo Bank, NA beginning in 2013. 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 employs over 14,000 advisors, offering both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party data.