John Lischer is a financial advisor with LPL Financial in Sacramento, CA, holding a Series 66 designation and 12 years of industry experience. His previous roles include positions at Mariner Independent Advisor Network, Strategic Wealth Advisors Group, Charles Schwab, and Principal Funds Distributor, Inc. He also provides administrative support to Mariner Independent Advisor Network, an independent investment advisory firm. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network. The firm offers a range of advisory programs, financial planning, retirement consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by internal and third-party research.

Steven Frith is a financial advisor with LPL Financial in Sacramento, California, holding a Series 66 designation and 15 years of industry experience. He has worked at LPL Financial since 2011 and is also affiliated with The Golden 1 Credit Union, serving in an investment-related capacity. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Nancy Dao is a financial advisor with Merrill in Elk Grove, CA, holding a Series 66 designation and three years of industry experience. Prior to joining Merrill and Bank of America in 2023, she was part owner of a family fast food restaurant and was involved in other business ventures. The restaurant ceased operations in 2022. 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.

Sylvia Regalado is a financial advisor with Charles Schwab, holding a Series 66 designation and two years of industry experience. Her prior roles include positions at Rocket Mortgage LLC and Edge Home Finance Corporation. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services, offering both non-discretionary and discretionary investment options with a multi-asset model portfolio approach.

Loel Heupel is a financial advisor with LPL Financial in Sacramento, CA, holding Series 63 and Series 65 credentials and having 31 years of industry experience. He has been with LPL Financial since 2008. His other business activities include offering non-variable insurance products and serving as an employee benefits consultant. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, financial institutions, and charitable organizations through a national network of investment adviser representatives. The firm provides financial planning, advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management with access to model portfolios and research.

Cliff Xu is a financial advisor at Edward Jones in Elk Grove, CA, holding Series 63 and Series 65 licenses with eight years of industry experience. Prior to joining Edward Jones in 2022, he worked at Wells Fargo Bank NA and Wells Fargo Clearing Services LLC for five years, as well as BBVA Securities Inc and related entities for two years. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Kristin Knight is a Financial Consultant at Fidelity Investments, a position she has held since 2024. Prior to this role, she worked as an Investment Consultant at Fidelity Investments from 2022 to 2024 and as a Financial Representative at the same company from 2021 to 2022. Before joining Fidelity Investments, Kristin was a Field Manager at Appreciation Financial from 2019 to 2021. In her work, Kristin collaborates with clients to develop personalized wealth plans aimed at achieving financial success. She focuses on building relationships that align personal and business values, fostering partnerships based on trust, advisement, and forward progress. Kristin holds a California Insurance License. Outside of her professional responsibilities, Kristin's personal interests include family activities, golf, hiking, parenthood, reading, and traveling.

Norma Casanova is a financial advisor with Wells Fargo Advisors based in Sacramento, CA. She holds Series 63 and Series 66 licenses and has 26 years of industry experience. Prior to her current role starting in 2022, she worked at Wells Fargo Clearing and Wells Fargo Advisors LLC since 2009. Casanova also owns and operates Healthy Wealthy Life LLC, a financial practice unrelated to her trading activities. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of investment and financial planning services tailored to clients meeting a net-worth threshold, utilizing Wells Fargo research and planning tools to develop personalized recommendations.

Paul Lacoste is a financial advisor at Charles Schwab with 28 years of industry experience. He holds Series 63 and Series 66 licenses and has been associated with Charles Schwab since 1999. Outside of his advisory role, he manages a small residential rental business in Sacramento. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment guidance using multi-asset model portfolios and centralized custodial and brokerage services.

Adam Wilson is Vice President and Financial Consultant at Fidelity Investments, where he has been serving clients in the Sacramento area since 2006. In his role, he partners with clients to develop financial plans and investment strategies tailored to their goals. Over the years, Adam has built enduring relationships with many clients who value his knowledge of markets and experience with investment strategies. Adam's career at Fidelity Investments includes progressive roles such as Financial Consultant, Investment Consultant, Senior Investment Representative, Investments Representative, and Financial Representative. He holds a California Insurance License, supporting his ability to address a range of financial needs. Outside of his professional work, Adam enjoys boating, camping, playing musical instruments, scuba diving, swimming, and traveling.

Cheri Yu is a financial advisor at Fidelity with 28 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Morgan Stanley and LPL Financial, among other firms. Fidelity, through its Strategic Advisers LLC division, provides investment management and advisory services to retail and institutional clients, employing a process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its roles as a commodity pool operator and advisor to multiple registered investment companies, as well as for its use of algorithmic methods and AI in research.

Joel Hemmings is a financial advisor at OSAIC with 32 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Securities America Advisors, Inc. and SECURITIES AMERICA, inc. from 2008 to 2024. Hemmings is also a principal at RIOS & ASSOCIATES, INC., where he spends part of his time managing securities and insurance activities. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisers. The firm offers integrated brokerage and advisory services, utilizing various tools and third-party platforms to construct portfolios across multiple asset classes, with both discretionary and non-discretionary management options.

Susanne Zito is a financial advisor with LPL Financial in Sacramento, CA, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. She has been with LPL Financial since 2015 and operates Zito Wealth Management as a DBA for her LPL business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a diverse client base including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Andrew Fairbanks is a financial advisor at LPL Financial with 13 years of industry experience. He holds the Series 66 designation and has been with LPL Financial since 2012. Fairbanks also has a longstanding association with Golden 1 Credit Union. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network. The firm offers a range of advisory programs, financial planning, retirement consulting, and brokerage services utilizing both discretionary and non-discretionary management strategies.

Philip Woodland is a financial advisor at OSAIC with 13 years of industry experience. He holds a Series 66 designation and previously worked at Lincoln Financial Advisors for 11 years. Outside of his advisory role, Woodland serves as a notary public and is the practice manager of Retirement Security Centers LLC, where he supports financial planners with analysis and operations. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and charitable clients through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and advisory services, utilizing asset-allocation tools, risk-tolerance questionnaires, and third-party money managers to construct portfolios across various asset classes.

Elizabeth Festejo is a financial advisor with Cetera, holding Series 63 and Series 66 credentials and 27 years of industry experience. She has been associated with Cetera and its affiliated entities since 2014. Outside of her advisory role, she is involved in managing De Novo Wealth Management and works as an insurance agent specializing in life, health, annuities, and disability products. Cetera Investment Advisers LLC operates a multi-manager platform serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management, financial planning, and consulting services through a large network of independent advisors.

Sean O’Neill is a CFP® professional with 15 years of experience, currently serving as a financial advisor at Edward Jones since 2011. He holds the Series 66 designation and operates out of Galt, CA. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management and offers a range of advisory solutions, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Hong Van is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. He holds Series 63 and Series 66 licenses and has been with J.P. Morgan Chase Bank and its securities affiliates since 2016. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, using a combination of quantitative asset-allocation modeling and centralized due diligence, with an emphasis on ESG criteria and a non-discretionary advisory approach.

Susan Dawson is a financial advisor with Robert Baird & Co. in Sacramento, CA, holding a Series 66 designation and 11 years of industry experience. Prior to joining Baird in 2023, she worked at Cetera Advisor Networks for nine years. Outside of financial advising, she serves as Chief Financial Officer and Secretary for Clearview Systems Consulting, Inc., an IT systems consulting company. She is part of the DDK Group within Robert W. Baird & Co.’s Private Wealth Management practice, which advises individuals, families, pensions, corporations, and charitable organizations. The group provides customized financial planning and portfolio management services, utilizing a range of investment strategies and overlay services tailored to client goals and risk tolerances.

Lamar Simpson Jr. is a financial advisor at LPL Financial with 24 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with LPL Financial since 2015, alongside his ongoing role at JM Ridgway since 2004. Outside of financial advising, he owns Sheepdog Defensive Training, a business that provides instruction on safe firearms usage and concealed carry permits. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting, employing both discretionary and non-discretionary management supported by model portfolios and research.