Danilo Caldeira is a Financial Solutions Advisor (FSA) with Merrill Lynch Wealth Management. In this role, he focuses on connecting clients to the people, plans, and processes that align with their unique financial ambitions. He works with clients to plan for their personal goals, including funding education, preparing for retirement and health care costs, and developing long-term family financial strategies. Danilo takes time to understand what is important to each client, providing guidance across general investing, retirement planning, and saving for unexpected events. His approach emphasizes simplicity and transparency to help clients navigate the complexities of wealth planning. He holds a Bachelor's degree from Excelsior College and maintains professional designations as a Chartered Retirement Planning Counselor (CRPC) and a Personal Investment Advisor (PIA).

Neil Richards is a financial advisor with Osaic, holding Series 63 and Series 65 licenses and 12 years of industry experience. He has previously worked at Lincoln Financial Advisors, Inc., Wells Fargo Clearing, Wells Fargo Advisors LLC, and Wells Fargo Bank NA. In addition to his advisory role, Richards serves as an insurance agent offering fixed insurance products, including fixed annuities and various types of health and life insurance. Osaic Wealth, Inc. serves a diverse client base, including individual, high-net-worth, institutional, and charitable clients, providing integrated brokerage and advisory services across multiple platforms. The firm employs asset-allocation tools, risk-tolerance assessments, and automated rebalancing to manage portfolios consisting of stocks, bonds, mutual funds, ETFs, and alternative investments.

Samuel Sherman is a financial advisor at Charles Schwab with 12 years of industry experience. He holds a Series 66 designation and has held positions at several major firms, including Merrill, TD Ameritrade, Bank of America, and Wells Fargo. Sherman is currently based in Roseville, CA. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of non-discretionary and discretionary investment management and financial planning services supported by a large integrated platform.

James Coffin III is a financial advisor with Morgan Stanley in Sacramento, CA, holding a Series 63 designation and 38 years of industry experience. He has been with Morgan Stanley since 2009 and previously worked at Morgan Stanley Private Bank, National Association. Outside of his advisory role, he serves as a Successor Trustee in Walnut Creek, California. 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 including tailored financial planning and uses structured planning tools and modeling techniques in its process.

Henrry Medrano is a Financial Advisor with Merrill Lynch Wealth Management, where he provides comprehensive wealth management services tailored to clients' individual needs. He works closely with clients to connect all aspects of their financial lives, helping prioritize and pursue goals through customized strategies that adapt to changing circumstances. Henrry and his team at TSPN Wealth Management Group offer guidance in areas such as retirement planning, business launching, and investment opportunities, leveraging access to banking and lending services through Bank of America. Henrry holds a Personal Investment Advisor (PIA) designation and earned his High School Diploma/GED from Houston Community College. He is actively involved in professional organizations including the Greater Houston Partnership, Greater Houston Women's Chamber of Commerce, Greater Northside Chamber of Commerce, and Women's Energy Network. His community involvement extends to participation in groups such as the Greater Northside Chamber of Commerce, Houston Livestock Show & Rodeo Corral Club, Interfaith Ministries, Rescue America, SWAT Ministries International, United Way, Wesley Community Center, and Women's Energy Network. Outside of his professional work, Henrry enjoys camping, cooking, running, traveling, watching movies, practicing yoga, and spending time with his family. His approach emphasizes building robust financial strategies that provide security and adaptability, guiding clients through life's uncertainties toward their financial aspirations.

James Radovich is a financial advisor with Wells Fargo Clearing in Sacramento, CA, holding Series 63 and Series 65 credentials and bringing 12 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 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 combines research from Wells Fargo Investment Institute with third-party analytics to guide its investment approach.

Glen Cheron is a financial advisor with Cetera and holds Series 63 and Series 65 credentials. He has 32 years of industry experience and has worked with Cetera and Financial Network Wealth Advisors LLC since 2013 and 2018, respectively. Outside of advisory roles, Cheron serves on the board of directors for Point West Rotary and participates in local homeowners association committees, including budget and long-range planning. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base that includes individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management, financial planning, and consulting services through a multi-manager platform that features discretionary and non-discretionary options, model portfolios, and access to third-party money managers.

Patrick Barr is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 17 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors from 2013 to 2016. Based in Sacramento, CA, his career has been focused within the Wells Fargo organization. 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 approach is IPS-driven and grounded in modern portfolio theory, serving as an ERISA fiduciary and including a broader set of financial product offerings than typical for large institutional advisers.

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.

Timothy Chafin is a financial advisor with LPL Financial, holding Series 63 and Series 65 designations and 25 years of industry experience. He has been with LPL Financial since 2007. 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 financial planning, advisory programs, retirement plan consulting, and brokerage services with both discretionary and non-discretionary management options.

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.

Jeremy O Reilly is a financial advisor with J.P. Morgan Securities LLC, holding Series 63 and Series 66 credentials and bringing 15 years of industry experience. Prior to joining J.P. Morgan in 2017, he worked at E*TRADE Capital Management LLC, Harrisdirect LLC, and E*Trade Securities LLC. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

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.

Rodney Bannister is a financial advisor at OSAIC with 39 years of industry experience. He holds a Series 63 designation and previously worked at Securities America Advisors, Inc. and Securities America, Inc. for 15 years. Outside of advisory work, he provides insurance products and assists clients with submitting death claims. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and charitable investors through a broad network of affiliated advisers. The firm offers integrated brokerage and advisory services, employing asset-allocation tools and third-party platforms to manage portfolios across a range of investment types.