Kristin Dawson is a financial advisor with Primerica Advisors in Sacramento, CA, holding Series 63 and Series 65 licenses and having four years of industry experience. She has worked at PFS Investments since 2022 and with Primerica Financial Services since 2021. In addition to her advisory role, she has been employed by the Elk Grove Unified School District since 1999. Dawson also participates in the sale of loan products and home-related services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and discretionary separately managed accounts primarily to individual and high-net-worth clients. The firm uses third-party asset managers and custodians, including BNY Mellon Advisors and Pershing, and operates with a tiered wrap-fee structure.

Mark Aizenberg is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, he is president and owner of Mark II Builders, a construction business based in Sacramento, CA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm’s process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Erin Ragsdale is a financial advisor at Fidelity with eight years of industry experience. She holds the Series 63 and Series 66 designations and has worked at firms including JPMorgan Chase, Merrill, and Urban Wealth Management. In addition to her advisory role, she is the founder and CEO of Rising Tide Financial LLC, an educational mobile application focused on U.S. financial literacy. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and manages multiple registered investment companies.

Sandra Strong is a financial advisor with Mass Mutual Investors Services and holds the ChFC® designation along with Series 63 and Series 65 licenses. She has 37 years of industry experience, including 30 years with MassMutual Life Insurance Company and MML Investors Services. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm utilizes firm-approved software and collaborative planning to develop written recommendations and offers programs such as wrap and money-manager services and educational seminars.

Melina Sipple is a financial advisor at Merrill with 11 years of industry experience. She holds the Series 66 designation and has been with Merrill since 2014. 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, and institutional accounts, supported by internal and third-party portfolio managers.

Tan Vo is a financial advisor with Merrill, holding a Series 66 designation and five years of industry experience. He has worked at Merrill and Bank of America since 2020 and previously held positions at Libert Home Equity Solution and Wells Fargo Bank. Outside of finance, he has experience in homemaking. 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.

Nimanjit Kaur is a financial advisor at Morgan Stanley with eight years of industry experience. She has held roles at Morgan Stanley since 2022 and previously worked at Wells Fargo Clearing Services LLC and Wells Fargo Bank NA from 2014 to 2022. She holds Series 63 and Series 66 licenses. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a variety of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and analysis from its Global Investment Committee.

Nicholas Lenz is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and five years of industry experience. Prior to joining LPL in 2020, he worked at Bank of Stockton and Cintas Corporation. LPL Financial is a nationwide SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by internal and third-party research.

James Diepenbrock is a financial advisor at Wells Fargo Clearing with 42 years of industry experience. He holds Series 63 and Series 65 credentials and previously worked at Morgan Stanley Private Bank, National Association. Outside of his advisory role, he owns and operates Wingman Woodworks, a custom furniture business, and serves as a board member for the Sacramento County Employees' Retirement System. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Lacy Senate is a financial advisor with Edward Jones, holding a Series 66 designation and 19 years of industry experience. She has been with Edward Jones since 2006. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, managing approximately $1.01 trillion in assets with a nationwide network of more than 23,700 advisors.

Patricia Arredondo Chavez is a Financial Advisor with Merrill Lynch Wealth Management, bringing over 30 years of experience in banking, municipal finance, and retirement planning. She works individually with clients to develop personalized wealth management strategies designed to pursue their long-term goals, tailoring her approach to their needs and preferences. Patricia offers access to a broad range of wealth management services, including portfolio management from Merrill and credit and lending services from Bank of America. Her expertise encompasses areas such as college education planning, liquidity management, managing new wealth, personal retirement planning, small business strategies, women and wealth, and retirement income. Patricia helps clients quantify financial goals and adjust strategies in response to life changes such as early retirement or marriage. She holds professional designations as an Accredited Wealth Management Advisor (AWMA) and Personal Investment Advisor (PIA), and earned her Bachelor's Degree from the University of Phoenix. She is fluent in English and Spanish. Outside of her professional role, Patricia enjoys cooking, gardening, spending time with her family, and watching movies. She volunteers to provide financial education to children through the Bank of America Better Money Habits program and participates in organizations aimed at ending childhood hunger, such as Feed the Children. Patricia is also involved with the Gallo Center for the Arts.

Sarah Howard is a financial advisor at Morgan Stanley with 10 years of industry experience. She has been with Morgan Stanley since 2015 and also works at Morgan Stanley Private Bank, N.A. since 2018. She holds a Series 66 designation. Morgan Stanley Wealth Management serves individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and scenario modeling as part of its financial planning process.

Ty Kearney is a financial advisor with J.P. Morgan Securities in West Sacramento, CA, holding Series 63 and Series 66 licenses and bringing 16 years of industry experience. He has been with J.P. Morgan Securities and Jpmorgan Chase Bank since 2011. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting through a select group of Wealth Advisors. The firm integrates large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Jennifer Freamon is a financial advisor with Wells Fargo Clearing in Sacramento, CA, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. Outside of her advisory role, she serves as a power of attorney for a family member. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm uses an investment policy statement-driven process grounded in modern portfolio theory and includes insurance-related vehicles and bank deposit sweep options among its investment offerings.

Kenny Giacomini is a financial advisor with Wells Fargo Clearing in Sacramento, CA, holding Series 63 and Series 65 licenses and having 10 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at WELLS FARGO Advisors, LLC and Wells Fargo Bank, N.A. Outside of his advisory role, he owns and operates a music production and songwriting business. 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 solutions. The firm’s approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options in its investment offerings.

Michele Estabrook is a financial advisor at Morgan Stanley with 17 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009 and holds a Series 66 designation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning and estate planning strategies, managing approximately $2.74 trillion in client assets.

Christopher Bradford is a financial advisor with LPL Financial, holding the CFP® designation and Series 66 and 63 licenses, with 23 years of industry experience. He has held positions at Securities America Advisors, Inc., Securities America, Inc., and KMS Financial Services, Inc. Bradford also serves as an executor and trustee of the Jack Sellers estate. LPL Financial is a SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, and institutions through a national network, offering a range of advisory programs, financial planning, and brokerage services.

Jason Pilcher is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has been with Merrill Lynch since March 15, 1999, providing financial advisory services to help clients pursue their financial goals through personalized wealth management strategies. Jason works closely with clients to develop tailored financial plans that address their individual priorities and adapt to changing market conditions. He holds a Bachelor's Degree from California State University, Sacramento, where he concentrated in finance and accounting. Jason’s professional designations include Chartered Financial Consultant (ChFC), Certified Financial Planner (CFP), Certified Investment Management Analyst (CIMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). In addition to client advisory work, Jason regularly conducts training classes at the Merrill Lynch Sacramento Complex. Jason is also engaged in community involvement, volunteering with local organizations in alignment with Merrill’s tradition of community participation. His approach emphasizes one-on-one collaboration to help clients achieve their long-term financial goals.

Zackary Lardie is a financial advisor at Wells Fargo Clearing with 10 years of industry experience. He holds Series 63 and Series 66 designations and has been with Wells Fargo Clearing since 2016. Prior to this, he worked at Wells Fargo Advisors LLC and Wells Fargo Bank, NA. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory 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.

Jason Uchi is a Financial Advisor at Merrill Lynch Wealth Management. In his current role, he provides financial advice and services to clients, assisting them in managing their wealth and achieving their financial goals. Further details about his experience, areas of expertise, education, credentials, personal interests, or community involvement were not provided.