Lawrence Lonski is a financial advisor at OSAIC with 32 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at Woodbury Financial Services and Independent Financial Group. Outside of advising, he is president of Lonski Pet Rescue, a nonprofit dedicated to rescuing hybrid wolf dogs and homeless or neglected cats. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and advisory services alongside financial planning and retirement plan consulting. The firm utilizes various tools and third-party platforms to construct diversified portfolios tailored to clients’ risk tolerance and investment restrictions.

Sterling Dalatri is a financial advisor with Morgan Stanley in Sacramento, CA, holding a Series 63 designation and 34 years of industry experience. He has been with Morgan Stanley and its affiliates since 2007, including roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and provides services through financial advisors and the Estate Planning Strategies Group.

Curtis Godt is a Senior Financial Advisor with Merrill Lynch Wealth Management, specializing in discretionary portfolio management for high net worth clients. He has been in the investment management business since January 1989, beginning his career with Merrill Lynch Wealth Management in Palo Alto. Curtis focuses on personal retirement planning, portfolio management services, and retirement income strategies. A fifth generation Californian born in Berkeley and raised in Sacramento, Curtis graduated with a Bachelor's degree from the University of California, Berkeley in December 1986. He holds the Personal Investment Advisor (PIA) designation and is actively involved in professional and community organizations including Union-Tehama Lodge No. 3, The Scottish Rite of Freemasonry in Sacramento, and Ben Ali Shrine. Curtis lives in Elk Grove with his wife and son. Outside of his professional work, he enjoys golfing, reading, and spending time with his family. He also participates in community activities such as the John F. Kennedy Class of 1982 40 Year Reunion and various Masonic entities to which he belongs.

Shan Allen is a financial advisor at Mass Mutual Investors Services with a Series 66 credential and one year of industry experience. Prior to joining the firm, Allen held positions with Park Avenue Securities, Guardian Life Insurance Company, and NYLife Securities LLC. Outside of financial services, Allen was involved in a political campaign, working with Bobbie Singh Allen for Mayor from 2020 to 2025. Mass Mutual Investors Services 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 offers collaborative, annual financial planning engagements utilizing firm-approved software tools and provides additional event-driven planning programs such as divorce and estate settlement.

Brandi Stahl is a financial advisor with OSAIC in Sacramento, CA, holding Series 63 and Series 65 designations and bringing 24 years of industry experience. She previously worked at Lincoln Financial Advisors for 23 years before joining OSAIC in 2025. In addition to advisory work, she is active as an insurance agent offering a range of life, health, disability, fixed/indexed annuities, and long-term care insurance products. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and charitable investors through a broad network of advisers and multiple advisory platforms. The firm utilizes a range of portfolio construction tools and offers integrated financial services, supported by various third-party solutions and a complex corporate structure.

Sonny Carpenter is a Planning Consultant at Fidelity Investments, a position he has held since 2021. He has over 20 years of experience in the financial industry, focusing on helping clients create personalized retirement plans tailored to their specific situations. Prior to his current role, Sonny served as a Senior Relationship Manager at Fidelity Investments from 2016 to 2021 and as a Financial Representative at the same firm from 2010 to 2016. His earlier experience includes roles as a Stockbroker at Scottrade, Inc from 2008 to 2010 and at Etrade Financial from 2000 to 2008. Sonny holds a California Insurance License, which supports his advisory capabilities in the financial sector. Outside of his professional work, he has personal interests in fitness, golf, reading, and traveling.

Jason Crowell is a financial advisor with LPL Financial, holding a Series 66 designation and 14 years of industry experience. He has worked at LPL Financial since 2011 and has been associated with Golden 1 Credit Union since 2009. 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 of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management with access to model portfolios and research from multiple sources.

Joanne Mcconiga is a financial advisor with Wells Fargo Clearing in Folsom, CA, holding Series 63 and Series 65 licenses and possessing 11 years of industry experience. She has worked at Wells Fargo Clearing since 2016, following two years with Wells Fargo Advisors LLC and concurrent employment with Wells Fargo Bank NA since 2012. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advice grounded in modern portfolio theory. The firm’s services include investment policy statement preparation, investment recommendations across a broad range of products, performance reporting, and participant education, acting as an ERISA fiduciary in its advisory capacity.

Sean Langley is a financial advisor with Morgan Stanley in Sacramento, CA, holding Series 63 and Series 65 licenses and with 28 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients through a range of advisory programs, including customized financial planning and estate planning services. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and scenario modeling in its advisory process.

Dave Winther is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2025. He has been with Fidelity Investments since 2016, progressing through roles including Financial Consultant, Investment Consultant, Relationship Manager, and Financial Representative. Dave works closely with clients to help them achieve their financial goals through a collaborative planning process that aligns investments with clients' unique values. He holds a California Insurance License, supporting his ability to provide comprehensive financial advice. Outside of his professional responsibilities, Dave enjoys comedy, cooking and baking, fitness, football, movies, and music.

Ariel Agustin is a Senior Financial Advisor with Merrill Lynch Wealth Management. In this role, Ariel provides personalized wealth management strategies tailored to clients' individual financial situations and goals. Leveraging the investment insights of Merrill and the banking services of Bank of America, Ariel helps clients navigate changing market conditions and pursue their financial objectives. With expertise in areas including executive compensation, retirement income, philanthropic planning, socially responsible investing, and tax minimization, Ariel offers comprehensive wealth management that begins with understanding the client's family and financial priorities. Ariel holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Ariel earned a bachelor's degree from the California State University System. Outside of work, Ariel’s personal interests include basketball, biking, genealogy, interior decorating, spending time with family, and traveling. Ariel’s approach is grounded in a philosophy of providing personalized support to help clients achieve their goals with clarity and confidence.

Trevor Glenn II is a financial advisor at LPL Financial with 20 years of industry experience. He holds the Series 63 and Series 66 designations. His prior experience includes roles at Crown Capital Security LP and Quest Securities, Inc. Outside of his advisory work, he has been involved with Paradigm Mortgage Corporation, a mortgage and real estate services business he has operated since 1993. 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 of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, supported by research and multiple portfolio management options.

Jeremey Hill is a financial advisor at Cetera with 18 years of industry experience and holds Series 63 and Series 66 credentials. He has worked previously at firms including Allianz Life Insurance Company and LPL Financial. Outside of his advisory work, he serves as secretary of a homeowners association in Fair Oaks, California. Cetera Investment Advisers LLC is a large SEC-registered firm serving individual and institutional clients with portfolio management, financial planning, and retirement services. The firm offers a multi-manager platform allowing advisors to use affiliated and third-party model portfolios, with over $256 billion in assets under management and more than 10,000 advisors nationwide.

Dionne Terzoli is a financial advisor with LPL Financial in Sacramento, CA, holding a Series 66 designation and 15 years of industry experience. Prior to joining LPL Financial in 2026, Terzoli spent 11 years with Raymond James Financial Services and serves at Golden1 Credit Union. She has also been involved with St. Anthony's Parish in Sacramento since 2016. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm provides a range of advisory programs, financial planning, and retirement plan consulting, offering both discretionary and non-discretionary management supported by in-house and third-party research.

Jared Duran is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. Prior to joining Fidelity, he held roles at King Cong Brewing Co., Duran Strategic Marketing, Markstein Beverage of Sacramento, and Fitness MD, and served in the U.S. Army Reserves for eight years. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm offers discretionary and non-discretionary advisory services, fund management, and model portfolio delivery, with notable activities including its registration as a commodity pool operator and use of AI in research.

Michael De Philippis is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. He worked at Edward Jones for 18 years before joining Raymond James Financial Services Advisors in 2022. Outside of his advisory role, he is president of Barrier Reef Investments, a financial planning firm. Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to individuals, high-net-worth clients, pension plans, corporations, charitable organizations, and institutional clients. The firm offers tailored, non-discretionary planning using risk profiling and modeling tools and supports municipal and public finance work through a unique affiliation with a municipal advisor.

John Signorotti is a CFP® and ChFC® with 39 years of industry experience. He has worked at Osaic Wealth, Inc. since 2018 and previously operated Signatorotti Insurance Services, Inc. since 1999, where he serves as CEO. He is also a trustee managing a family estate for a beneficiary. OSAIC Wealth, Inc. serves a diverse range of retail and institutional clients through a large network of advisers, offering integrated brokerage and advisory services, financial planning, and access to third-party money managers. The firm employs a variety of portfolio construction tools and supports multiple advisory platforms, including discretionary and non-discretionary account management.

Jordan Sullivan is a Financial Advisor with Merrill Lynch Wealth Management, specializing in helping high net worth retirees and pre-retirees implement investment tax strategies. Jordan focuses on designing tax-efficient income streams, converting pre-tax funds into post-tax funds while adhering to tax policy, and employing tax-loss harvesting techniques to offset future capital gains. Collaboration with clients' CPAs is central to ensuring tax strategies are thoroughly vetted before implementation. Jordan's expertise spans corporate benefits, equity compensation services, family wealth management strategies, personal retirement planning, portfolio management services, small business strategies, socially responsible and ESG investing, individual and corporate investment strategy, tax minimization, and retirement income. This broad knowledge enables Jordan to help clients understand and optimize their after-tax returns. Jordan holds Personal Investment Advisor (PIA) designation and earned bachelor's degrees from the University of California system and Zhejiang University. Outside of work, Jordan enjoys adventure sports, basketball, hiking, music, painting, reading, rock climbing, and writing.

Babak Adeli is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and five years of industry experience. He has been with Wells Fargo Clearing since 2020 and has prior experience with Wells Fargo Bank, Digital Doc LLC, Volt, and Tutoring Rocks. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Andrea Silva is a financial advisor with LPL Financial in Sacramento, CA, holding Series 65 and Series 63 licenses and 17 years of industry experience. She has been with LPL Financial since 2013 and previously operated Colverfield Photography for eight years. 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 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 with access to model portfolios and research.