Vince Caruana is a financial advisor at Hilltop Securities Inc. with 10 years at the firm and five years of industry experience. He holds the Series 66 designation and is based in Roseville, California. Hilltop Securities serves individual, high-net-worth, and institutional clients, including corporate and retirement-plan sponsors, through both investment advisory and broker-dealer services. The firm offers a range of solutions, including managed accounts, financial planning, and retirement-plan consulting, supported by an open-architecture platform that integrates third-party managers alongside firm-sponsored strategies.

Haldun Arin is a financial advisor with The AmeriFlex Group holding a Series 66 credential and five years of industry experience. His background includes roles at Cambridge Investment Research, United Planners Financial Services, and Principal Securities Inc., among others. Outside of advisory work, he serves as a trustee for a family trust and is involved in consulting through Montgomery Pacific Corporation. The AmeriFlex Group is an SEC-registered investment adviser serving individuals, corporations, and retirement plans through a network of advisory affiliates. The firm offers portfolio management, financial planning, third-party money manager selection, and retirement plan consulting, delivering customized advice and a range of wrap and non-wrap solutions.

Dennis Robberecht is a financial advisor at Hilltop Securities Inc. with 42 years of industry experience. He holds a Series 63 designation and has been with Hilltop Securities since 1983. Outside of his advisory role, he is an investor in Entransco Energy LLC, an oil and gas drilling and harvesting company. Hilltop Securities Inc. offers brokerage, execution, clearing, custody, investment advisory, and retirement-plan consulting services to a diverse client base including individuals, corporations, nonprofits, and institutions. The firm utilizes an open-architecture platform with a range of managed account programs and distinctive municipal bond strategies, providing comprehensive investment and fiduciary services.

Donald Nielsen is a financial advisor at BlueSpring Wealth Management, LLC in Roseville, CA, holding the CFP® and CFA® designations with 10 years of industry experience. His prior roles include positions at Kestra Financial Inc., Columbia Trust Company, Columbia Private Bank, and Aon Hewitt Financial Advisors. BlueSpring Wealth Management serves individuals, business owners, trusts and estates, and pension and profit-sharing plans, offering discretionary and limited non-discretionary investment management, financial planning, and retirement plan consulting with a focus on customized investment policies and a diversified portfolio approach.

Wesley Ratelle is a financial advisor at Verity Asset Management with two years of industry experience. He holds a Series 65 designation and has prior work history including roles at Teacher's Pension and Insurance Services, Inc., where he serves as an insurance agent, and as a sole proprietor providing education, consulting, and retirement planning services. Before his financial career, he worked for over two decades in the Santa Barbara Unified School District. Verity Asset Management is an SEC-registered investment adviser offering discretionary portfolio management, retirement-plan advisory, and financial planning to individual, corporate, and institutional clients. The firm employs a model-driven investment process with tactical asset allocation across diverse asset classes and provides both internally managed and third-party models.

Steven Kimes is a financial advisor at Packerland Brokerage Services, Inc. with 22 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Packerland since 2018. Prior to that, he was with Foresters Equity Services and Iof Foresters beginning in 2003. Kimes also owns a small insurance-related business operating under Kimes Financial of Roseville and Kimes Financial Services. Packerland Brokerage Services, Inc. serves individuals, charities, corporations, and retirement plan sponsors through a range of financial planning and advisory programs. The firm offers both discretionary and non-discretionary account management, utilizing firm-managed portfolios, wrap programs, and third-party co-advisory arrangements on the Hilltop/Envestnet platform.

Paul Kranich is a financial advisor with Principal Advised Services, holding a Series 66 designation and 14 years of industry experience. His prior roles include positions at Fidelity Brokerage Services LLC and various entities within Principal Financial Group. Principal Advised Services provides investment advice and related services mainly to retirement plan participants and retail IRA clients. The firm offers both non-discretionary recommendations and a discretionary, wrap-fee investment management program called SimpleInvest, utilizing a combination of third-party and proprietary models supported by affiliated asset management and custodian services.

Heather Smart is a CFP® and Series 66-registered advisor at NorthRock Partners, LLC with 12 years of industry experience. She previously worked at Ameriprise and Ameriprise Financial Services, Inc. before joining NorthRock Partners. NorthRock Partners provides wealth management and advisory services to individuals, trusts, estates, retirement plans, charitable organizations, and business entities. The firm employs a tailored investment approach emphasizing broad asset allocation, diversification, and integrates private market investments while utilizing AI tools to support tax-aware investing and portfolio monitoring.

Stacy Paradise is a financial advisor with United Capital Financial Advisors in Sacramento, CA, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. Her prior roles include positions at Cetera Advisor Networks, Girard Securities, and Merrill. She also works as an insurance agent, selling life, health, and annuities products. United Capital Financial Advisors provides financial planning and investment management services nationally to individual investors, corporations, retirement plans, charitable organizations, and institutional clients. The firm offers discretionary portfolio management, access to third-party managers, alternative investments, and customized strategies including ESG and faith-based preferences.

Clayton Holcomb is a financial advisor with Mutual Advisors, LLC, holding the ChFC® designation and Series 63 and 66 licenses, with 38 years of industry experience. He has worked at Mutual Advisors since 2017 and previously held positions at Wealth Advisory Group, Inc., LPL Financial, and Northwestern Mutual. Outside of his advisory role, he operates as an independent insurance agent and sells collectible U.S. coins on eBay. Mutual Advisors serves a diverse client base, including individual investors, trusts, retirement plans, and institutional clients, using a combination of active and passive investment strategies tailored to each client’s objectives. The firm manages approximately $9.45 billion through 154 advisors and is notable for its extensive institutional work and operational features such as an Outsource Insurance Desk and relationships with third-party managers.

Beau Chandon is a financial advisor with Private Advisor Group, LLC, holding a Series 66 credential and four years of industry experience. He has previously worked with Mariner Independent Advisor Network, LLC, Brown Financial Services Group, and LPL Financial, among other firms. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans by providing portfolio management, financial planning, and retirement plan consulting. The firm employs a fiduciary-based advisory model that integrates both discretionary and non-discretionary approaches, utilizing technology platforms and third-party managers.

Jerod Wurm is a CFP® professional with 29 years of experience in financial advisory. He is currently affiliated with CWM, LLC and has held roles at multiple firms including Morgan Stanley and Wells Fargo Advisors. He is CEO of Wurm Financial, Inc. and a partner at Wurm & Frye Wealth Management. CWM, LLC is an SEC-registered investment adviser serving individuals, high-net-worth families, foundations, endowments, corporations, and institutional clients through a network of over 600 advisors. The firm manages accounts primarily on a discretionary basis using model portfolios overseen by an in-house Investment Committee and offers a range of services including portfolio management, financial planning, and retirement-plan solutions.

Hannah Manzo is a financial advisor with Principal Financial Services in Roseville, CA. She holds a Series 66 designation and has one year of industry experience. Her prior work includes roles at Health Plan One, State Farm, and Finance of America Mortgage. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, charitable organizations, corporations, and active-duty military personnel abroad. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager asset allocation and separately managed account solutions.

Carlos Rodriguez is a financial advisor at Principal Financial Services with Series 63 and Series 65 licenses and two years of industry experience. His prior roles include positions at Principal Life Insurance Company, Principal Securities Inc, and Newport Group. He has also worked in diverse fields such as real estate with EXP Realty and public service with CA State Parks. Principal Securities offers 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 military personnel overseas. The firm provides financial planning, retirement plan consulting, and access to third-party money manager solutions under various advisory and promoter arrangements.

Jacob Angulo Bailey is a financial advisor at Focus Partners Wealth, LLC in Sacramento, CA, holding a Series 66 designation with three years of industry experience. His prior roles include positions at Allworth Financial, AW Securities, Golden 1 Credit Union, and LPL Financial LLC. Focus Partners serves individuals, high-net-worth families, family offices, and institutional clients with wealth management and advisory services, employing a long-term, tax- and fee-sensitive investment approach that combines active and passive strategies, third-party managers, and private funds under an enhanced open architecture framework.

Frank De Vito is a financial advisor with Principal Financial Services in Roseville, CA, holding a Series 66 designation and three years of industry experience. His prior work includes roles at Edward Jones and Old Republic Title. Principal Securities offers brokerage and advisory services to a diverse client base, including individual investors, retirement plans, trusts, estates, charitable organizations, corporations, and active-duty U.S. military personnel overseas. The firm provides direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager asset allocation and separately managed account solutions.

Michael Williams is a financial advisor with Allworth Financial, L.P., based in Sacramento, CA, bringing 13 years of industry experience. He has worked at Allworth Financial since 2020 and concurrently maintains a long-standing career as 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 employs technology to manage held-away retirement accounts, with a notable focus on airline industry employees and management of privately offered income funds.

Richard Han is a financial advisor at D.A. Davidson & Co. with 17 years of industry experience. He has been with D.A. Davidson since 2016 and holds a Series 66 designation. D.A. Davidson & Co. provides investment advisory and brokerage services to individual investors, employer-sponsored retirement plans, charitable organizations, and corporate clients. The firm offers a range of services including ERISA retirement plan advisory, comprehensive financial planning, and a Private Wealth program for clients with more than $20 million in net worth, operating under fiduciary standards and employing both qualitative and quantitative investment analysis.

Mazher Mir is a financial advisor with Valic Financial Advisors in Roseville, CA, holding Series 63 and Series 66 licenses and bringing 16 years of industry experience. His career includes roles at Morgan Stanley and TD Ameritrade. Outside of finance, he contributes as an OpEd writer for the Dhaka Tribune and serves as a mentor and advisor to the CEO of Roybi Robots. Valic Financial Advisors primarily serves U.S.-based individual investors, including high-net-worth and ultra-high-net-worth clients, as well as corporate and retirement-plan participants. The firm offers discretionary managed-account programs, financial planning, and brokerage services, utilizing Envestnet’s UMA models for portfolio construction and management.

Eric Garrison is a financial advisor with D.A. Davidson & Co., holding Series 63, 65, and 66 designations and 24 years of industry experience. He worked at Morgan Stanley for six years before joining D.A. Davidson in 2019. D.A. Davidson & Co. provides investment advisory and brokerage services to a broad client base, including employer-sponsored retirement plans, individual investors, charitable organizations, and corporate clients. The firm operates under the Advisers Act fiduciary standard and offers specialized services such as ERISA retirement plan advisory, wrap fee programs, equity research, and a Private Wealth program for clients with over $20 million in net worth.