Waheeda Sherzai is a financial advisor at Morgan Stanley in Sacramento, CA, with 13 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Morgan Stanley Private Bank, N.A. since 2019. Prior to that, she held roles at State Farm VP Management Corp and multiple insurance agencies from 2015 to 2019. Outside of advisory work, Sherzai is active as a Pashto language interpreter for various courts and educational organizations. 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 structured financial planning process supported by firm-approved tools and research from its Global Investment Committee.

Peter Cole is a ChFC® designated financial advisor with 26 years of industry experience, currently associated with OSAIC in Sacramento, CA. His prior work includes a 12-year tenure at Everbank, and he also maintains a longtime practice in clinical social work, providing individual and marital counseling under a California Clinical Social Work License. In addition to his advisory roles, he operates as a licensed insurance producer offering life and disability insurance products. OSAIC serves a diverse client base, including retail and institutional investors, and offers brokerage and investment advisory services across multiple platforms. The firm employs a range of portfolio construction tools and supports various investment strategies, including access to third-party managers and wrap programs.

Erik Renaud is a Series 65-registered advisor at Fisher Investments with 14 years of industry experience. He has been with Fisher Investments since 2005. Fisher Investments serves a global mix of institutional and private clients, including pension and profit-sharing plans, foundations, investment companies, and high-net-worth individuals, offering discretionary portfolio management across various asset classes. The firm combines quantitative and qualitative research with centralized portfolio management to construct globally diversified portfolios and employs tax-aware processes and defensive tactics to manage risk.

Jingjing Li is a financial advisor at Merrill with two years of industry experience and holds a Series 66 designation. Prior to joining Merrill, she worked at Bank of America, N.A., and has experience in consulting and entrepreneurship. Outside of her advisory role, she is involved in a business that designs and markets pet collars and accessories through online platforms. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies supported by internal teams and third-party managers for a range of individual and institutional clients.

Dillon Dougherty is a financial advisor at Morgan Stanley with 10 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, National Association since 2016 and Morgan Stanley Smith Barney LLC since 2015. Morgan Stanley Wealth Management provides a range of advisory programs to both individual and institutional clients, offering tailored financial planning and various investment services. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and strategies developed by its Global Investment Committee.

Lori Richofsky is a financial advisor at Morgan Stanley with 21 years of industry experience. She holds Series 66 and Series 63 licenses and has worked at several firms, including Asset Preservation Strategies and H. Beck, Inc. Outside of her advisory role, she is involved in property management as a sole proprietor. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a broad range of advisory programs and tailored financial planning supported by firm-approved tools and investment research.

Jennifer Kukis is a financial advisor with Edward Jones in Davis, CA, holding Series 63, Series 65, and Series 66 credentials and 22 years of industry experience. She has been with Edward Jones since 2016. 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, supported by a large national network of advisors and branch offices, managing approximately $1.01 trillion in assets.

Omar Vang is a financial advisor with Merrill in Sacramento, CA, holding a Series 66 designation and four years of industry experience. His career includes roles at Bank of America, N.A. and Merrill starting in 2015. Outside of his advisory work, he is a general partner and managing member of XCEL LLC, an online retail business specializing in collectible trading cards and live aquatic fish. 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.

Bao Dang is a financial advisor with Wells Fargo Clearing in Sacramento, CA, holding Series 63 and Series 66 licenses and having 11 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at WELLS FARGO Advisors, LLC and Wells Fargo Bank, N.A. Outside of his advisory role, Bao is a partner and owner of a bakery, Rooftop Macarons, LLC, and also works as a photographer for Moosylvania Marketing. 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 services. The firm’s IPS-driven process incorporates modern portfolio theory and includes a broader range of financial products than typical institutional advisers, such as insurance-related vehicles and bank deposit sweep options.

Stanley Tzikas is a financial advisor with LPL Financial in Dixon, CA, holding Series 65 and Series 63 credentials and possessing 37 years of industry experience. He has worked with the Bank of Stockton and National Planning Corporation prior to his current roles at LPL Financial and Bank of Stockton Investment and Insurance Services. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing model portfolios and research from various sources to support diversified investment strategies.

Talha Javed is a financial advisor with J.P. Morgan Securities, holding Series 66 and Series 63 designations and bringing nine years of industry experience. He has been with J.P. Morgan Securities since 2017 and has worked at JPMorgan Chase Bank, N.A. since 2015. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Jamie Harrison is a financial advisor at Wells Fargo Clearing with Series 63 and Series 66 credentials and one year of industry experience. He has been affiliated with Wells Fargo Bank, N.A. since 2005. Outside of his advisory role, Harrison serves as treasurer for the Marine Corps League Detachment #637 in Placerville, CA, supporting active and retired military and their families. 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 includes a broad range of investment options, such as insurance-related vehicles and bank deposit sweep programs.

Gregory Jalli is a Financial Advisor with The Jalli/Seibold Group at Merrill Lynch Wealth Management, serving clients in the Modesto, Sacramento, and Roseville, California areas. He joined Merrill in 2020 and works as part of a multigenerational family team alongside his father, Leonard. Greg collaborates closely with client associates to support and deliver an optimal experience for the team's clients. His responsibilities include setting up new accounts, generating reports, responding to inquiries about account balances and transfers, and educating clients about various online services. Greg draws on his experience working at several McDonald's restaurants during college to better understand the specific needs of quick service restaurant owners and operators. His client focus includes college education planning, small business strategies, and women and wealth. He holds the Personal Investment Advisor (PIA) designation and earned a Bachelor's degree in finance and economics from the University of Nevada, Reno. A resident of Sacramento, Greg volunteers with the Active 20-30 Club of Sacramento to help improve the lives of underprivileged youth in the city. Outside of work, he enjoys golfing, skiing, biking, cooking, and spending time with his family. Greg also pursues an interest in exploring new restaurants and enhancing his cooking skills.

Edoardo Bassi is a financial advisor at J.P. Morgan Securities with seven years of industry experience and holds Series 65 and Series 63 licenses. Prior to his current role, he has worked at firms including Citigroup and Franklin Templeton Investments. In addition to his advisory work, he serves as a Senior Airman and Personnel Specialist in the U.S. Air Force Reserve, performing human resources administrative functions. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG framework to its recommendations.

Dusharme Thomas is a financial advisor at Fidelity with 26 years of industry experience and holds Series 63, Series 65, and Series 66 credentials. His prior experience includes roles at The Prudential Insurance Company of America, Pruco Securities LLC, and Cambridge Investment Research, Inc., as well as founding DLT Wealth Advisory Services. He has served as treasurer for the Sacramento Area Black Caucus, assisting with the organization's closure. Fidelity Strategic Advisers LLC, where he works, provides investment management and advisory services to retail and institutional clients, utilizing a blend of proprietary fundamental research and quantitative analysis to construct model portfolios from a diverse range of mutual funds, ETFs, and ETPs.

Martin Devault is a financial advisor with LPL Financial, holding Series 63 and Series 65 designations and 27 years of industry experience. His prior work includes thirty years at FundX Investment Group LLC and two years at One Capital Management, with a brief retirement period before joining LPL Financial. LPL Financial serves a broad range of clients, including individuals, retirement plans, banks, corporations, and charitable organizations, offering financial planning, advisory programs, and brokerage services through a national network of investment adviser representatives. The firm provides both discretionary and non-discretionary management along with access to model portfolios, third-party research, and various technology-driven investment solutions.

Stephanie Dhillon is a financial advisor with Morgan Stanley in Sacramento, CA, holding a Series 66 credential and 4 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2011. Outside of her advisory role, she is a partner in farming ventures. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, offering tailored financial planning supported by firm-approved tools and investment research, with a focus on client-directed implementation.

Kim Hickey is a financial advisor with J.P. Morgan Securities in Sacramento, CA, holding a Series 63 designation and 31 years of industry experience. She has been with J.P. Morgan Securities since 2012. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Beth Rowe is a financial advisor at Edward Jones with 19 years of industry experience. She has held positions at Edward Jones since 2018 and previously worked at Bank of America and Merrill from 2013 to 2018. Rowe holds the Series 63 and Series 66 designations. 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 with a network of more than 23,700 advisors, offering a range of investment advisory programs and affiliated services under a fiduciary standard.

Diana Espinel is a financial advisor at UBS Financial Services with nine years of industry experience. She has held roles at firms including Merrill, Bank of America, and JP Morgan Chase Bank. Espinel holds Series 63 and Series 66 licenses. UBS Financial Services Inc. provides brokerage and investment advisory solutions to individual, corporate, and institutional clients. The firm combines institutional trading capabilities with wealth management services, offering fee-based financial planning, portfolio management, and access to proprietary research.