Zachary Vail is a financial advisor at Ameriprise with 17 years of industry experience and holds a Series 66 designation. He has been with Ameriprise Financial Services since 2008, serving in multiple roles within the firm. Outside of his advisory work, he has involvement in real estate ownership unrelated to investment activities. Ameriprise Financial Services is a large advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service focused on retirement income planning, which combines proprietary research and third-party data to provide tailored recommendations and ongoing annual advice.

Victor Dillard is a financial advisor with Mass Mutual Investors Services in Sacramento, CA, holding Series 63 and Series 65 credentials and bringing 27 years of industry experience. His career includes long-term roles with Metlife Securities Inc and Metropolitan Life Ins Co since 1999, and he has been with Mass Mutual-related firms since 2016. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars, employing firm-approved software and collaborative planning processes to deliver tailored recommendations.

Mark Johnson is a financial advisor with Edward Jones, holding a Series 66 designation and three years of industry experience. His prior work includes roles at Prudential Overall Supply and several educational institutions. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets through a nationwide network of financial advisors, offering various advisory programs and investment strategies under a fiduciary standard.

Jonathan Noel is a financial advisor with Wells Fargo Clearing in Sacramento, CA, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. 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’s IPS-driven advisory process incorporates modern portfolio theory and includes a broader range of financial products, such as insurance-related vehicles and bank deposit sweep options, than is typical among large institutional advisers.

Hector Rodarte is a Financial Consultant at Fidelity Investments, where he engages with individuals and families to assist them in achieving their personal and financial goals. His approach centers on comprehensive planning to understand clients’ values and help them progress towards their desired outcomes. Hector utilizes Fidelity's resources and investment strategies to support his client-focused services. His professional experience spans multiple roles within Fidelity Investments, including Investment Consultant, Planning Consultant, Relationship Manager, and Financial Representative from 2021 to the present. Prior to joining Fidelity, he worked as a Financial Planning Services Associate at Northwestern Mutual from 2020 to 2021. Hector holds a California Insurance License. Outside of his professional work, Hector's interests include family activities, fishing, fitness, outdoor adventures, soccer, and traveling.

Justin Qvistgaard is a financial advisor with UBS Financial Services in Sacramento, CA, holding a Series 66 designation and three years of industry experience. He previously worked at Cambridge Investment Research Advisors, HI Financial, and other firms. His background also includes roles outside finance, such as positions at Boise State University and Davis Senior High School. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management. The firm uses proprietary research and model-based asset allocations to tailor plans aligned with clients’ goals and risk tolerances.

Soraya Rodriguez is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and bringing 21 years of industry experience. She has worked at Wells Fargo Bank NA since 2001 and has been with Wells Fargo Clearing since 2016, following five years at Wells Fargo Advisors LLC. 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 advisory services. The firm’s 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.

Joseph Walters is a CFP® professional with 24 years of experience in the financial industry. He is affiliated with Raymond James Financial and has worked at Legacy Wealth Management since 2017. Walters previously held roles at Wells Fargo Clearing and Wells Fargo Advisors, LLC. In addition to his advisory work, he is a minority owner and occasional consultant for a business called Next Legacy. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary advisory services supported by analytical modeling and also maintains a municipal advisor affiliation that supports its public finance work.

Donna Goode is a Series 66-licensed financial advisor with Morgan Stanley in Sacramento, CA, where she has worked since 2009. She has 18 years of industry experience. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm provides a range of advisory programs, including tailored financial planning supported by firm-approved tools and modeling techniques.

Carolyn Mowlds is a financial advisor at Morgan Stanley with 47 years of industry experience. She holds a Series 63 designation and has been with Morgan Stanley since 2009, including her current role at Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs with a focus on tailored financial planning supported by structured discovery conversations and firm-approved planning tools.

Jon Champney is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds Series 63 and Series 66 licenses and has worked at several firms including Edward Jones, Bank of America/Merrill Lynch, Wells Fargo, and Brizzi Financial. Champney is based in Sacramento, CA. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Julia Toone is a financial advisor with LPL Financial, holding Series 65 and Series 63 credentials and nine years of industry experience. Her career includes roles at Wells Fargo Clearing, JPMorgan Securities LLC, and JPMorgan Chase Bank. She is also a notary for Safe Credit Union in North Highlands, CA. 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 consulting, and brokerage services, utilizing both discretionary and non-discretionary management approaches supported by model portfolios and research.

Megan Clauzel is a financial advisor at J.P. Morgan Securities with seven years of industry experience. She holds Series 63 and Series 65 licenses and has worked previously at Northwestern Mutual and Troon Golf. Clauzel is employed by both J.P. Morgan Securities and JPMorgan Bank, enabling her to offer a range of bank products and services alongside her advisory role. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using quantitative asset-allocation modeling and a centralized due diligence process. The firm offers non-discretionary advice with a focus on ESG eligibility and access to a broad array of products through its unique registrations and affiliations.

Christopher Mc Leod is a financial advisor with LPL Financial based in Sacramento, CA, holding a Series 66 designation and eight years of industry experience. He previously worked at State Street Corporation for nine years and has been associated with Mariner Independent Advisor Network, LLC and The Financial Services Network. Mc Leod is involved in providing administrative support to Mariner Independent Advisor Network, an independent investment advisor firm. 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 supported by in-house and third-party research.

Peter Scheid is a financial advisor with Morgan Stanley in Sacramento, CA, holding Series 63 and Series 65 licenses and possessing 38 years of industry experience. His career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools and market outlook models.

Peter Jensen VI is a CFP® with 10 years of industry experience and has been with Edward Jones since 2015. He is based in Davis, CA, and holds a Series 66 license. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management and offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds.

Shaini Lewis is a CFP® with 25 years of industry experience, currently serving as a financial advisor at Ameriprise since 2020. She previously worked at Ameriprise Financial Services, Inc. for 20 years. In addition to her advisory role, she leads and coaches financial advisors at Ascendant Wealth Management Group through The FISH20 Group, LLC. Ameriprise offers retirement-income planning services primarily for clients with significant investable assets, combining research and modeling techniques to provide tailored, tax-efficient withdrawal strategies and income recommendations. The firm also delivers a broad range of advisory, brokerage, and insurance solutions typical of a large institutional provider.

Leo Huerta is a Financial Consultant at Fidelity Investments, where he has been serving since 2016. He brings over 17 years of experience in the financial services industry, focusing on helping individuals and their families develop, implement, and maintain personalized financial plans. His work centers on guiding clients through the complexities of investment, income, and retirement planning. Before his current role, Leo held various positions at Fidelity Investments, including Investment Consultant, Investments Representative, Client Service Manager, Private Client Group Relationship Manager, Premium Service Representative, and Financial Representative. He holds a California Insurance License. Outside of his professional career, Leo enjoys baseball, cooking and baking, family activities, hiking, outdoor adventures, and soccer.

Luke Iverson is a financial advisor with LPL Financial who holds a Series 66 designation and has 11 years of industry experience. Prior to joining LPL Financial, he worked at Crown Capital Securities, LP for seven years and Quest Securities, Inc. for two years. He is also employed outside the investment industry at Aerojet Rocketdyne. 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 supported by in-house and third-party research.

Lew Lemon is a financial advisor at LPL Financial with 40 years of industry experience. He holds the Series 63 and Series 65 designations and has been with LPL Financial since 2007. In addition to his advisory role, he dedicates a portion of his time to working with Golden 1 Credit Union members, referring them to credit union staff for traditional products. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network. The firm offers a range of financial planning and advisory programs, retirement plan consulting, and brokerage services, with both discretionary and non-discretionary management supported by internal and third-party research.