Manuel Vizcarra is a financial advisor with Citigroup Global Markets in Sacramento, CA, holding Series 63 and Series 65 licenses and possessing four years of industry experience. His background includes roles at Capital Datacorp and a one-year period outside the industry before joining CitiBank in 2020. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a range of investment advisory programs and brokerage services. The firm employs multi-asset, multi-manager strategies through discretionary and non-discretionary programs, supported by internal standards and oversight committees, and operates with a combination of large institutional scale and specialized market roles.

Julie Hood is a financial advisor with Independent Financial Group, LLC, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. Her prior work includes seven years at LPL Financial and 18 years at National Planning Corporation. She also maintains a long-standing affiliation with Fairchild Financial Consultants Inc. Independent Financial Group, LLC offers investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth clients, trusts, and institutional plans. The firm employs a combination of firm- and third-party models to develop tailored client strategies across a range of risk profiles.

William Kennedy is a Series 66 licensed financial advisor with four years of industry experience. He is currently affiliated with Ameritas Advisory Services, LLC, and has worked with firms including True Course Retirement and Capstone Financial Group. Prior to his financial advisory career, he was involved in the printing industry. Ameritas Advisory Services, LLC provides investment advisory and financial planning services to individual investors, retirement plans, charitable organizations, and corporate clients. The firm offers a variety of managed account programs and fee-based management of variable annuity and variable universal life subaccounts, supported by an Investment Committee and third-party partners.

David Pietruszewski is a financial advisor at Allworth Financial, L.P. with nine years of industry experience. He has worked at Allworth Financial since 2020 and has been with RAA since 2013. Outside of finance, he is a pilot for Delta Air Lines. Allworth Financial is a fee-based SEC-registered adviser serving individuals, qualified retirement plans, trusts, estates, charitable organizations, and corporate clients. The firm offers customized portfolio management strategies and financial planning services, utilizing both discretionary and non-discretionary engagements.

Christopher Lema is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 19 years of industry experience. He has worked at Park Avenue Securities and Guardian Life Insurance since 2017, and previously spent eight years with Primerica Advisors and Guardian Life Insurance Co of America. Outside of his advisory work, he owns a Martinizing Dry Cleaning franchise and serves as treasurer of the California Cleaners Association. Park Avenue Securities LLC serves a broad retail client base including individual and high-net-worth investors, charitable organizations, and corporate clients. The firm offers brokerage and advisory services, financial planning, retirement-plan consulting, and business consulting, utilizing a mix of proprietary and third-party investment strategies across various account types.

David Comstock is a financial advisor with Allworth Financial, L.P. in Sacramento, CA, holding a Series 63 designation and with 22 years of industry experience. He has been with Allworth Financial since 2020 and has worked at RAA since 2008. Allworth Financial is a fee-based SEC-registered adviser serving individuals, qualified retirement plans, trusts, estates, charitable organizations, and corporate clients. The firm offers customized portfolio solutions using a variety of model strategies and utilizes technology to manage held-away employer retirement accounts without direct client credentials.

Lilia Prather is a financial advisor with Principal Financial Services and holds Series 63 and Series 65 licenses. She has over two decades of experience in the insurance industry, including a long tenure at Valentina Gaiduchik Insurance Agency prior to joining Principal in 2025. She is also involved in the sales and service of fixed life insurance, fixed annuities, and various other insurance products. Principal Securities provides brokerage and registered investment advisory services to a wide range of clients, including individual investors, retirement plans, trusts, estates, charitable organizations, corporations, and active-duty U.S. military personnel stationed abroad. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager solutions through both advisory and promoter arrangements.

Mark Crissman is a financial advisor at Allworth Financial, L.P. with nine years of industry experience. He has been with Allworth since 2020 and also works as a pilot for United Airlines. Allworth Financial is a fee-based SEC-registered adviser serving individuals, qualified retirement plans, trusts, estates, charitable organizations, and corporate clients. The firm offers customized portfolio management using model strategies and third-party sub-advisers, along with financial planning and retirement plan consulting services.

Patrick Harney is a financial advisor with Allworth Financial, L.P. in Sacramento, CA, holding a Series 63 designation and seven years of industry experience. He has been with Allworth Financial since 2020 and also has ties to RAA. Outside of his advisory work, Patrick is an airline pilot for Delta Air Lines. Allworth Financial is a fee-based SEC-registered adviser serving individuals, qualified retirement plans, trusts, estates, charitable organizations, and corporate clients. The firm employs customized portfolio strategies including core-satellite, pure-index, and specialized models such as buffered equity ETFs and options-based overlays, and is notable for its Airline division focused on airline employees and its ownership structure involving private investment vehicles and the Ontario Teachers’ Pension Plan.

John German is a financial advisor with Allworth Financial, L.P. in Sacramento, CA, holding 30 years of industry experience. He has been with Allworth Financial since 2020 and has worked at RAA since 1994. Allworth Financial is a fee-based SEC-registered adviser serving individuals, qualified retirement plans, trusts, estates, charitable organizations, and corporate clients. The firm offers customized portfolio strategies, comprehensive financial planning, and specialized investment models, incorporating third-party sub-advisers and technology solutions to manage held-away employer retirement accounts.

Kyle Felske is a financial advisor at Hightower Advisors with 13 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at HighTower Securities, Loring Ward Securities, and Scottrade. Based in Folsom, CA, he has been with HighTower since 2017. Hightower Advisors provides investment advisory and planning services to a diverse range of individual and institutional clients. The firm’s approach includes manager selection and multi-manager solutions, utilizing both affiliated and third-party managers, and offering access to mutual funds, ETFs, alternative investments, and customized indexing strategies.

Jason Ezzell is a financial advisor with Hightower Advisors, holding a Series 66 designation and 26 years of industry experience. He has worked at Merrill Lynch since 1999 and Bank of America since 2011, joining Hightower Advisors in 2014. Outside of his advisory work, he operates a vehicle rental on the Turo car sharing app in Oahu, Hawaii. Hightower Advisors provides investment advisory and planning services to a diverse client base, including individuals, institutions, pension plans, and charitable organizations. The firm emphasizes multi-manager solutions and manager selection, offering access to various investment vehicles and proprietary research through its network of advisor practices.

Nicholas Naccarato is a financial advisor at Foundations Investment Advisors LLC with a Series 65 credential. He has been with the firm since 2025 and has no prior industry experience. His work history includes roles at Capitol Planning Group and educational positions at Chapman University, University of San Francisco, and Sage Creek High School. Foundations Investment Advisors, LLC provides financial planning and portfolio management to a diverse client base, including individuals, high-net-worth clients, employer-sponsored retirement plans, and registered investment companies. The firm uses a combination of fundamental, technical, and cyclical analysis, offering tailored advice through confidential client profiles and employing model portfolios with an asymmetric rebalancing strategy.

Timothy Phillips is a financial advisor with Principal Financial Services in Elk Grove, CA, holding a Series 66 designation and one year of industry experience. Prior to joining Principal, he worked in logistics and healthcare, including roles at Avanti Logistics, LLC, where he is the owner, and DaVita. He also serves as treasurer on the board of Cosumnes Wrestling, a nonprofit youth wrestling club. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, and charitable organizations. The firm offers financial planning, retirement plan consulting, and access to third-party money manager asset allocation and separately managed account solutions.

James Hall Jr. is a financial advisor at Allworth Financial, L.P. with nine years of industry experience. He has worked with Allworth Financial since 2020 and has been associated with Raa since 2016. In addition to his financial advisory roles, Hall is a pilot for American Airlines. Allworth Financial is a fee-based SEC-registered adviser serving individuals, qualified retirement plans, trusts, estates, charitable organizations, and corporate clients. The firm offers customized portfolio management using various model strategies and utilizes third-party sub-advisers when appropriate, with a distinctive focus on airline industry employees and managing privately offered Shorepoint income funds.

Matthew Richardson is a Series 66-credentialed financial advisor at Hightower Advisors with four years of industry experience. Prior to joining Hightower in 2022, he worked at Northwestern Mutual Investment Services LLC and Jacob LaFond. He has held roles outside finance, including a position with Jacks Urban Eats and experience at Richardsons Concrete Effects. Hightower Advisors provides investment advisory and planning services to a diverse client base, including individuals, institutions, pension plans, charitable organizations, and corporations. The firm emphasizes manager selection and multi-manager solutions, utilizing both affiliated and third-party managers to deliver discretionary and non-discretionary portfolio management, financial planning, and retirement consulting services.

Rick Barton is a financial advisor with Allworth Financial, L.P. in Sacramento, CA, holding a Series 65 designation and 23 years of industry experience. He has worked at Allworth Financial since 2020 and concurrently maintains a practicing attorney role at R.R. Barton Attorney at Law, a non-investment business. He has also been associated with RAA since 2001. Allworth Financial is a fee-based SEC-registered adviser that serves individuals, qualified retirement plans, trusts, estates, charitable organizations, and corporate clients. The firm offers customized portfolio management using various strategies, including core-satellite, pure-index, and options-based approaches, and it is known for its ownership structure and specialized divisions such as its Airline division and private income funds.

Michael Hoffman is a financial advisor with Ameritas Advisory Services, LLC, holding Series 63 and Series 65 licenses and bringing 44 years of industry experience. He has held roles at several firms including Centaurus Financial, Farmers Financial Solutions, and Capstone Financial Group. Outside of his advisory work, Hoffman owns and operates MCH Financial and Insurance Services, providing group medical, dental, vision insurance, fixed life insurance policies, and annuities. Ameritas Advisory Services, LLC offers investment advisory and financial planning services to individual investors, retirement plans, charitable organizations, and corporate clients. The firm provides a variety of managed account solutions and fee-based management of variable annuity and universal life subaccounts, supported by an Investment Committee and third-party platforms to align portfolios with client objectives.

Patrick Danis is a financial advisor at Allworth Financial, L.P. with eight years of industry experience. He has worked at Allworth Financial since 2020 and at RAA since 2016. Outside of his financial advisory roles, Patrick is also a pilot for American Airlines. Allworth Financial is a fee-based SEC-registered adviser serving individuals, qualified retirement plans, trusts, estates, charitable organizations, and corporate clients. The firm employs a range of investment strategies including core-satellite, pure-index, and specialized offerings with discretionary and non-discretionary management options.

Steven Sutley is a financial advisor at Independent Financial Group, LLC with 31 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Independent Financial Group since 2009, with prior experience at Pension Planners Securities, Inc. and Cetera Wealth Services, LLC. Sutley serves as a board member for 1230 Park Owners Inc. Independent Financial Group, LLC provides investment advisory and brokerage services to individuals, high-net-worth clients, trusts, corporate and pension/profit-sharing plans, and charitable organizations. The firm offers financial planning and portfolio management through multiple platforms, employing a mix of passive and active strategies tailored to client risk profiles.