Jay Kim is a financial advisor at Osaic Wealth Inc. with 22 years of industry experience. He holds a Series 66 designation and has previously worked at firms including Cambridge Investment Research Advisors, LPL Financial, and Charles Schwab. Outside of his advisory work, he owns and operates multiple businesses including Gateway Financial Advisors and Gateway Insurance Group. Osaic Wealth Inc. serves a diverse client base ranging from individual investors to institutional entities, offering integrated brokerage and advisory services. The firm employs a variety of portfolio construction tools and supports multiple platforms, including third-party managed account solutions.

Sun Kim is a financial advisor with Merrill in Sacramento, CA, holding a Series 66 designation and 12 years of industry experience. He has been with Merrill since 2014. Outside of his advisory role, he works part-time in data entry and administrative tasks for All Asset Property Management in Roseville, California. 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 supported by internal and third-party managers, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Reginal Prasad is a financial advisor at Wells Fargo Clearing with nine years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Wells Fargo Clearing since 2016. His prior experience includes roles at Wells Fargo Advisors LLC, Wells Fargo Bank, NA, and Walmart Inc. 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 approach is IPS-driven and incorporates a range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Elizabeth Chavez is a financial advisor at Morgan Stanley with 20 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Morgan Stanley since 2012. Outside of her advisory role, she is the creator and sole proprietor of ShopMy, a fashion and retail business. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning using firm-approved tools and models, managing approximately $2.74 trillion in client assets.

Ryan Settle is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and 17 years of industry experience. He has worked at J.P. Morgan Securities since 2018 and previously spent nine years at Merrill Lynch, Pierce, Fenner & Smith Inc. J.P. Morgan Securities LLC provides institutional consulting services to 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 broker-dealer and investment adviser registrations, delivering recommendations on a non-discretionary basis while clients retain final decision authority.

David Hakobian is a financial advisor with Ameriprise in Davis, CA, holding a Series 66 designation. He has been with Ameriprise since 2020 and has prior experience at Alta California Regional Center, UCD Extension Financial Services, and UC Davis. Ameriprise offers retirement-income planning services primarily for clients with substantial investable assets, utilizing a combination of research, modeling, and tax-efficiency analysis to provide non-discretionary recommendations. The firm also provides a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Robert Taylor Jr. is a financial advisor with Cetera who holds a Series 63 designation and has 32 years of industry experience. He has worked with Cetera Wealth Services, LLC since 1996 and has been associated with Cetera and Financial Network Wealth Advisors LLC since 2023 and 2024, respectively. Outside his advisory role, he is involved in local community activities including coaching and managing safety for the Land Park Pacific Little League. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers discretionary and non-discretionary portfolio management, financial planning, and access to a variety of investment platforms including third-party managers and model portfolios.

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.

Carl Wenger is a Series 66-licensed financial advisor with Edward Jones in Sacramento, CA, and has eight years of industry experience. He has been with Edward Jones since 2017 and previously worked at Shady Lady Inc from 2010 to 2017. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large national network of financial advisors and branch offices.

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.