Daniel Cairns is a CFP® professional with 45 years of industry experience. He has worked at D.A. Davidson & Co. since 2021 and previously spent 10 years with Robert W. Baird & Co. D.A. Davidson & Co. provides investment advisory and brokerage services to a broad client base, including employer-sponsored retirement plans, high-net-worth individuals, charitable organizations, and corporate clients. The firm offers a variety of advisory services under fiduciary standards, including retirement plan consulting, comprehensive financial planning, and specialized wealth management programs.

Matthew Natoli is a CFP® professional with 14 years of experience in the financial services industry. He is the founder and owner of Natoli Wealth Management, where he has worked since 2020, and previously spent eight years with J.P. Morgan Securities. Natoli operates out of Roseville, CA, and holds the Series 63 designation. He is affiliated with Commonwealth Financial Network, a registered investment adviser that supports a national network of approximately 2,950 advisors. Commonwealth provides a comprehensive platform offering advisory programs, investment management, and practice-management support, enabling advisors to deliver customized portfolio solutions to retail and institutional clients.

Julie Heath is a CFP® with 11 years of experience in the financial services industry. She is currently with GWN Securities Inc. and previously worked for eight years at Avantax Investment Services, Inc. In addition to her advisory role, she owns and operates a CPA practice specializing in tax planning, preparation, business consulting, and IRS representation, and serves as CFO for an energy equipment company. GWN Securities provides investment advisory services to individual and corporate clients through various managed account programs and financial planning offerings. The firm utilizes a combination of affiliated and unaffiliated sub-advisers and employs both model-based and tactical portfolio strategies.

Cameron Lagala is a financial advisor with Eagle Strategies (NY Life) based in Roseville, CA, holding Series 63 and Series 66 licenses and possessing 12 years of industry experience. His work history includes roles at Caduceus Financial & Insurance Services and J. Lens Financial & Insurance Services, alongside his ongoing affiliation with Eagle Strategies and New York Life. Additionally, he is involved in real estate consulting focused on property development and entitlement processes aimed at resale. Eagle Strategies serves a diverse client base including individual and institutional investors, providing financial planning, investment management, and retirement-plan advisory services through a broad network of affiliated advisers. The firm emphasizes tailored recommendations and manages the majority of its assets on a non-discretionary basis, with a notable focus on retirement investors and plan sponsors within an integrated New York Life affiliate structure.

David Frings is a financial advisor at Ameritas Advisory Services, LLC with 13 years of industry experience. He holds a Series 66 designation and has worked at firms including Fidelity Personal and Workplace Advisors, Bank of America, Merrill, and OneDigital Investment Advisors. Frings is also affiliated with Harvest Wealth Group and Vas Dias Ca, providing advisory and variable product services. Ameritas Advisory Services, LLC offers investment advisory and financial planning to a diverse client base that includes individual investors, retirement plans, charitable organizations, and corporate clients. The firm delivers advisory services through various managed account programs and employs a combination of in-house and third-party resources for portfolio construction, monitoring, and trading.

Adam Besana is a financial advisor at Guardian Life with the ChFC® designation and five years of industry experience. He has worked at Northwestern Mutual in various capacities from 2019 to 2026 and has been with Park Avenue Securities since 2026. Park Avenue Securities LLC, operating as Park Avenue® Wealth Management, is a dually registered broker-dealer and SEC-registered investment adviser specializing in services for individuals, pension plans, charitable organizations, and corporate clients. The firm offers a range of advisory programs and financial planning solutions, including discretionary and non-discretionary portfolio management.

Jennifer Kachmar is a CFP® professional with 19 years of industry experience, currently serving at Schwab Wealth Advisory Inc. since 2025. Her prior experience includes roles at Mercer Global Advisors Inc. and Ameriprise Financial Services, Inc. She holds Series 63 and Series 66 licenses. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations using Schwab’s asset allocation models and research tools. The firm operates as an internal advisory unit within Charles Schwab & Co., delivering advice without discretionary trading authority and serving individual clients through a cost-and-expense plus arrangement.

Christian Bower is a financial advisor with Valic Financial Advisors, holding a Series 66 designation and seven years of industry experience. His career includes roles at Edward Jones, Persona, and Agia. Outside of finance, he is a musician and songwriter who records and releases music on platforms such as Spotify and Apple Music. 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-developed model portfolios and various overlay options.

Judi Gordon is a financial advisor with Eagle Strategies (NY Life) based in Roseville, CA, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. Prior to joining Eagle Strategies, she was affiliated with NYLife Securities, LLC and New York Life Insurance Company. Outside of her advisory role, Gordon serves as a board member and treasurer for the Experimental Aircraft Association Hangtown Chapter 512 and works as a ground school flight instructor through Juliet Golf Aviation. Eagle Strategies serves a diverse range of individual and institutional clients, providing financial planning, investment management, and retirement-plan advisory services. The firm emphasizes tailored advice across multiple program types and manages the majority of its assets on a non-discretionary basis within an integrated New York Life affiliate structure.

Sarah Johnson is a financial advisor with Eagle Strategies (NY Life) in Auburn, CA, holding a Series 66 designation and 16 years of industry experience. She has been with Eagle Strategies since 2015 and concurrently affiliated with Packard Financial and NyLife Securities LLC since 2014. Outside of her advisory work, she co-owns a rental property with her husband. Eagle Strategies serves individual and institutional clients by providing financial planning, investment management, and retirement-plan advisory services, emphasizing tailored recommendations and primarily managing assets on a non-discretionary basis within an integrated affiliate structure.

Kenyon Lederer is a CFP® and ChFC® with 34 years of industry experience. He is currently affiliated with CWM, LLC and has held roles at Pinnacle Wealth Management, Purshe Kaplan Sterling Investments, and Pinnacle Asset Management, among others. Lederer also serves as Vice President, Chief Compliance Officer, and Chief Investment Officer at Pinnacle Wealth Management. CWM, LLC is an SEC-registered investment adviser serving individuals, families, foundations, endowments, corporations, and institutional clients through a network of over 600 advisors. The firm provides portfolio management, financial planning, retirement-plan services, and sub-advisory access, managing accounts primarily on a discretionary basis using model portfolios overseen by an internal Investment Committee.

Timothy Vasdias is a financial advisor with Ameritas Advisory Services, LLC, holding Series 63 and Series 66 credentials and bringing 34 years of industry experience. He has worked with Ameritas Life Insurance Corp. and Ameritas Investment Corp. since 2003, and has been with Ameritas Advisory Services since 2021. Vasdias is also licensed as an independent insurance agent specializing in fixed insurance products and annuities. 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 universal life subaccounts, utilizing multiple custodial platforms and third-party tools to support portfolio construction and monitoring.

Gene Williams Jr. is a financial advisor with Centaurus Financial, Inc. in Rocklin, CA, holding Series 63 and Series 65 licenses and bringing 47 years of industry experience. He previously worked at Questar Asset Management and Questar Capital Corporation from 2013 to 2019. Gene also operates Granite Bay Financial Strategy, a non-investment related business for branding purposes. Centaurus Financial, Inc. provides advisory and brokerage services to a diverse client base including individuals, families, small businesses, corporations, trusts, and foundations. The firm offers financial planning, portfolio management through its CLASSIC Plus platform, retirement-plan consulting, and specialized advisory services, utilizing a mix of fundamental, technical, bottom-up, and top-down analyses.

Austin Niven is a financial advisor at Principal Financial Services with one year of industry experience. He holds a Series 66 designation and has previously worked at Mutual of Omaha Investor Services and Mutual of Omaha Insurance Company. Principal Securities offers brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and active-duty military personnel. The firm provides direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager solutions through both adviser and promoter arrangements.

Cameron Reid is a Series 66 licensed advisor with 11 years of industry experience, currently affiliated with Private Advisor Group, LLC. His work history includes roles at Edward Jones and LPL Financial. Outside of his advisory role, he is involved with CMR Financial, Inc., a business entity established for tax and investment purposes. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans by offering discretionary and non-discretionary portfolio management, financial planning, and retirement plan consulting. The firm employs a fiduciary-based advisory model, utilizing technology platforms and a range of investment strategies often implemented through third-party managers.

Ciaran Mccullaugh is a financial advisor with Empower Advisory Group located in Rocklin, CA. He holds a Series 66 designation and has seven years of industry experience, with previous roles at Edward Jones, Fidelity Investments, Merrill Lynch, Aperio, and State Street. Outside of advisory work, he manages a real estate rental property in Sacramento. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and participants, as well as to Premier IRA and retail brokerage clients. The firm’s services integrate closely with Empower’s administrative platforms and emphasize long-term portfolio returns, annual rebalancing, and savings rates in their financial planning.

John Guess is a financial advisor with Private Advisor Group, LLC, holding Series 63 and Series 66 designations and possessing 10 years of industry experience. His prior roles include positions at Edward Jones and several other financial firms. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans by offering a range of services including portfolio management, financial planning, and retirement plan consulting. The firm employs a fiduciary-based advisory model, utilizing technology platforms and combining various investment strategies often implemented through third-party managers and TAMPs.

Anita Fong Chao is a CFP® professional with 19 years of industry experience, currently affiliated with Commonwealth Financial Network. She has worked at Commonwealth since 2012 and also spent a decade with Paragon Financial Services. Anita serves as a trustee for two family trusts based in Roseville, CA. Commonwealth Financial Network is a registered investment adviser supporting a national network of approximately 2,950 advisors with advisory programs, technology, and compliance services. The firm offers a range of investment solutions including discretionary model portfolios and customized advisory programs.

Ashley Garcia is a financial advisor with PNC Wealth Management in Roseville, CA, holding a Series 66 designation and nine years of industry experience. Her prior roles include positions at Raymond James & Associates, LPL Financial, and BMO Bank NA. PNC Wealth Management provides retail brokerage and advisory services through several model-based programs, including an invitation-only digital offering that uses algorithmic risk assessment to recommend portfolios managed by PNC or third-party strategists with emphasis on mutual funds and ETFs.

Kelly Kaneski is a financial advisor with Eagle Strategies (NY Life) based in Roseville, CA, holding the ChFC® designation and Series 63 and 66 licenses. She has 27 years of industry experience, including roles at Mahoney Financial Organization and New York Life, where she has been associated since 1998. Outside of her advisory work, Kaneski volunteers with the American River Parkway Foundation’s Summer Solstice committee, which focuses on fundraising to maintain local recreational trails. Eagle Strategies serves a diverse range of individual and institutional clients, providing financial planning, investment management, and retirement-plan advisory services. The firm offers various program types and emphasizes tailoring recommendations to client objectives, managing most assets on a non-discretionary basis within the integrated New York Life affiliate structure.