Marc Miner is a CFP® with 30 years of industry experience, currently affiliated with LPL Financial since 2023. His prior roles include long tenure at Connecticut Mutual Life Insurance Co. and Securities America. He is also involved with Miner Financial & Insurance, an insurance agency related to his practice. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers financial planning, model portfolios, third-party asset management, and institutional platforms, combining extensive advisory services with non-advisory financial activities.

Harry Webb Jr. is a financial advisor at Edward Jones with a Series 66 credential and two years of industry experience. Before joining Edward Jones in 2023, he held various roles across technology and media companies including Contour Design, Logitech, and AVer Media. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory strategies and investment options, operates under a fiduciary standard, and maintains a large nationwide network of financial advisors and branch offices.

Thomas Cleary is a financial advisor with Merrill in Sacramento, CA, holding Series 65 and Series 66 licenses and 18 years of industry experience. He has been with Merrill since 2011. Outside of his advisory role, he serves as a successor trustee for a family trust. 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, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Gregory Henderson Jr. is a Series 66-licensed financial advisor with Cambridge Investment Research Advisors in Sacramento, CA, where he has worked since 2008. He has 25 years of industry experience. Outside of his advisory role, he serves as a board member for the Carmichael SDA Church and works as an assistant golf coach. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base that includes individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent professionals, utilizing multiple platform arrangements and proprietary and third-party model strategies.

Michael Tonis is a financial advisor with OSAIC in Sacramento, CA, holding a Series 66 designation and three years of industry experience. His prior experience includes roles at Retirement Security Centers (Lincoln Financial), Boras Corporation, and Molina Healthcare. Tonis is also a vice president and partner at Simas Tonis Wealth Advisors, LLC, which focuses on retirement, investment, and life planning. OSAIC serves a wide range of clients, including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations, offering integrated brokerage, advisory, and financial planning services through a large network of affiliated advisers and multiple platforms.

Adam Barnhill is a financial advisor at Osaic with five years of industry experience. His background includes roles at Lincoln Financial Group and California State University, Sacramento. He is a Series 66 license holder. Barnhill is also involved in retirement security through his role with Retirement Security Centers, where he offers and services fixed insurance products. Osaic Wealth, Inc. serves a wide range of clients including individual investors, pension plans, and charitable organizations through a large network of affiliated advisors. The firm provides integrated brokerage and advisory services and utilizes multiple investment platforms and asset-allocation tools to manage diversified portfolios.

Zachary Vail is a financial advisor at Ameriprise with 18 years of industry experience. He holds a Series 66 designation and has worked with Ameriprise Financial Services since 2008. Outside of his advisory role, he has a non-investment-related interest in single-family real estate ownership. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendations and ongoing planning advice focused on retirement income and tax-aware withdrawal strategies.

Robert Suter is a financial advisor at Raymond James Financial with 47 years of industry experience. He holds Series 63 and Series 65 designations and has been with Raymond James since 1999. Outside of his advisory role, he serves as treasurer for a family-owned nonprofit related to a vacation property in Michigan. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individual, high-net-worth, corporate, and institutional clients. The firm offers tailored, non-discretionary planning and supports municipal and public finance advisory work through a unique affiliation with a municipal advisor.

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.

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 25 years of industry experience, currently serving at Raymond James Financial. He has held roles at Legacy Wealth Management, Wells Fargo, and Morgan Stanley throughout his career. In addition to his advisory work, he is a minority owner and occasional consultant for a local business called Next Legacy. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a wide range of clients, including individuals, high-net-worth clients, corporations, and institutional investors. The firm provides tailored, non-discretionary planning and utilizes analytical tools to support client goals, with specialized capabilities in municipal finance and tailored employer advisory programs.

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 63 and Series 65 licenses and nine years of industry experience. Her prior roles include positions at Wells Fargo Clearing, JP Morgan Securities LLC, and JPMorgan Chase Bank. She is also involved with Safe Credit Union in North Highlands, CA, where she serves as a notary. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, utilizing model portfolios, third-party subadvisors, and customized strategies across various asset classes, supported by advanced operational tools.

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 in Sacramento, CA, holding a Series 66 designation and totaling eight years of industry experience. His prior experience includes roles at Mariner Independent Advisor Network, LLC, The Financial Services Network, and State Street Corporation. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of investment services including financial planning, model portfolios, third-party asset management, and institutional platforms.