Sulaiman Zamanudin is a CFP® with 12 years of industry experience, currently advising at Wells Fargo Clearing since 2016. He previously worked at Wells Fargo Advisors LLC and has been associated with Wells Fargo Bank NA since 2004. 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 management grounded in modern portfolio theory. The firm’s services include investment policy statement preparation, investment recommendations, performance reporting, participant education, and plan benchmarking, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in its investment menus.

Amy Loring is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and 28 years of industry experience. She has previously worked at Robert W. Baird & Co. for 11 years and D.A. Davidson & Co. for one year before joining Wells Fargo Clearing in 2021. Wells Fargo Clearing provides retirement plan consulting services 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.

Nicholas Brown is a Senior Financial Advisor with Merrill Lynch Wealth Management, where he and his team apply their expertise to assist families, businesses, and foundations in managing wealth’s complexities and opportunities. They focus on delivering a proactive and tax-efficient investment process covering short-, intermediate-, and long-term retirement income planning. Nick supports clients through discretionary management of customized investment strategies, utilizing Merrill Lynch model portfolios and third-party options, with services including retirement income and projection analysis, tax minimization, 401(k) rollovers, estate planning, education funding, and charitable giving. Nick began his financial services career in 2017 at Forester’s Financial, developing strategies for public service professionals including teachers, firefighters, and police officers. He holds a bachelor’s degree from the California State University system and the professional designations of CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA) and Personal Investment Advisor (PIA). He is a past president of the Active 20-30 Club of Sacramento No. 1, a charitable organization addressing the needs of underprivileged children, and actively participates in community service through Habitat for Humanity and as an Eagle Scout. Outside of his professional role, Nick lives in Folsom with his wife and dog. His personal interests include traveling, golfing, spending time with family, and supporting the Green Bay Packers.

Jayne Auble is a financial advisor with Morgan Stanley in Sacramento, CA, holding a Series 66 designation and six years of industry experience. She has worked at Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2019 and was previously employed at Insight Global from 2014 to 2019. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning that uses structured discovery conversations and firm-approved tools to model outcomes. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through Corporate Financial Planning agreements.

Heather Djuric is a financial advisor with Wells Fargo Clearing in Sacramento, CA, holding a Series 66 designation and 10 years of industry experience. She has worked at Wells Fargo Clearing since 2018 and previously spent four years at Morgan Stanley. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and incorporates a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Douglas Norton is a financial advisor at Wells Fargo Clearing with 23 years of industry experience. He holds a Series 66 designation and has been with Wells Fargo in various capacities since 2012. Outside of finance, he owns and operates a photography business based in Sacramento, CA. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services guided by an IPS-driven process grounded in modern portfolio theory. The firm serves institutional clients with tailored investment solutions and includes insurance-related vehicles and bank deposit sweep options among its offerings.

Kelley Grimes is a financial advisor at Morgan Stanley with 26 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2009 and holds Series 63 and Series 66 designations. Morgan Stanley Wealth Management serves both 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 employs a structured planning process supported by firm-approved tools and modeling techniques.

Zachary Gomez is a financial advisor at Morgan Stanley in Sacramento, CA, holding Series 63 and Series 65 licenses. He has one year of industry experience and previously worked at Safe Credit Union, Best Buy, O'Reillys Auto Parts, Intech Mechanical, and Kids Camp. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, offering tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and serves clients through both direct and corporate financial planning agreements.

Jaime Caraveo Jr. is a Series 66-registered financial advisor with Wells Fargo Clearing, based in Sacramento, CA, and has four years of industry experience. He has worked at several firms, including Wells Fargo Clearing, U.S. Bancorp Investments, Inc., Bank of America, N.A., and Merrill. Outside of his advisory role, he serves as a volunteer board member for the Rancho Cordova Little League, helping to increase volunteers and business sponsorships. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm employs research-driven strategies and offers both brokerage and advisory solutions across a broad array of financial products.

Lisa Haygood is a financial advisor at Morgan Stanley with 22 years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley since 2015. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutions, focusing on tailored financial planning supported by firm‑approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and offers services including wrap programs and access to affiliated investment vehicles.

Devon Robb is a CFP® with 10 years of industry experience, currently serving as a financial advisor at Ameriprise in Roseville, CA since 2020. Prior to this, he worked at Ameriprise Financial Services, Inc. from 2011 to 2020. He also works as an online instructor for OLL Services LLC, teaching a financial management class affiliated with BYU-Idaho. Ameriprise is an institutional firm that provides retirement-income planning services primarily for clients with substantial investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary retirement recommendations supported by a centralized consulting team.

Antonio Cervantes is a Financial Advisor at Merrill Lynch Wealth Management. He holds the designation of Personal Investment Advisor (PIA). His educational background includes a High School Diploma from the University of California System and completion of a Non Accredited Certificate Program from Icon Collective. Antonio applies his knowledge and credentials to support his clients in managing their financial goals.

Rory Barney is a Wealth Management Advisor with Merrill Lynch Wealth Management, specializing in serving the high net worth market with personalized financial strategies. He leverages Merrill's wealth management process and a range of resources, alongside a team of outside professionals, to assist clients in achieving their personal and financial objectives. Rory's expertise includes insurance, estate planning strategies, retirement planning, and tax minimization, with a client focus on areas such as college education planning, divorce transition planning, executive compensation, employee benefits planning, and retirement income. Rory holds multiple professional designations, including CERTIFIED FINANCIAL PLANNER® (CFP), Accredited Wealth Management Advisor (AWMA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Plans Specialist (CRPS), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned an associate's degree from Yuba College and is a member of the National Association of Plan Advisors. A lifelong resident of Sacramento, Rory maintains strong community ties and is involved in financial literacy initiatives. His approach includes regular communication with clients to review goals, risk factors, and account performance, ensuring strategies remain aligned with clients’ evolving needs. Outside of his professional work, Rory enjoys boating, chess, swimming, and watching movies.

Christina Krug is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 credentials and bringing 12 years of industry experience. She previously worked at Wells Fargo Advisors for 13 years and is currently associated with Legacy Wealth Management in a support role. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, corporations, and institutional entities. The firm offers tailored, non-discretionary planning and consulting using risk profiling and analytical tools, and maintains specialized services such as municipal advisory and SIMPLE IRA Employer Advisory programs.

Tami Couch is a financial advisor with Morgan Stanley in Sacramento, CA, holding a Series 66 designation and four years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2019 and previously worked at Wise Auto Group and Momentum Auto Group. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and provides services through Financial Advisors and its Estate Planning Strategies Group.

James Feliz is a financial advisor at Ameriprise with seven years of industry experience. He holds a Series 66 designation and has worked at Ameriprise since 2025, following five years at Mass Mutual Investors Services and MassMutual Life Insurance, and three years at Clavis. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on tax-aware withdrawal strategies and dependable income sources for clients in or approaching retirement.

Timothy Mcdonald is a financial advisor with Morgan Stanley in Sacramento, CA, holding Series 63 and Series 65 credentials with 46 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2009 and with Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a range of advisory programs to individuals and institutional clients, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process using firm-approved tools and modeling techniques.

Nickolas Gould is a financial advisor with LPL Financial based in Sacramento, CA, holding a Series 66 designation and 19 years of industry experience. His prior roles include positions at California Bank & Trust (a Zions Bank affiliate), Wells Fargo Clearing, Wells Fargo Advisors LLC, and Wells Fargo Bank, N.A. Outside of his advisory work, he is involved in online sales. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to third-party asset management, with a focus on using technology and diverse investment strategies.

Jacob Bisler is a Financial Advisor at Merrill Lynch Wealth Management. He partners with clients and their families to provide personalized financial plans that align with their goals, priorities, and values. His approach focuses on understanding each client's unique circumstances to develop strategies that help build, preserve, and transition wealth. Jacob holds the CERTIFIED FINANCIAL PLANNER (CFP) certification, the Chartered Retirement Planning Counselor (CRPC) designation, and is recognized as a Personal Investment Advisor (PIA). He earned a Bachelor's Degree from CSU Sacramento, an Associate's Degree from Los Rios School District, and completed his high school education at West Campus High School. He is involved with professional and community organizations including Active 20-30 Sacramento and the Sacramento State Alumni Association. Outside of work, Jacob enjoys football, golfing, skiing, and spending time with his family.

Pravin Kumar is a financial advisor with Wells Fargo Clearing in Sacramento, CA, holding Series 63 and Series 66 designations and 11 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 NA. 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 broader investment menu that includes insurance-related vehicles and bank deposit sweep options.