Nicholas Alafranji is a financial advisor at J.P. Morgan Securities with 16 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities and Jpmorgan Chase Bank, N.A. since 2009, with additional experience managing two private businesses. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a team of Wealth Advisors. The firm combines institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

Patricia Estopinal is a financial advisor with Robert Baird & Co. in Roseville, CA, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. She has been with Robert Baird & Co. since 2012. Outside of her advisory role, she serves as Treasurer for the Girl Scouts Heart of Central California. She is part of The DDK Group within Robert W. Baird & Co.’s Private Wealth Management practice, which advises individuals, families, pension plans, corporations, and institutional clients. The group offers tailored financial planning and portfolio management services that utilize both in-house and third-party managers across a range of investment strategies.

Hunter Lowry is a CFP®-designated financial advisor with eight years of industry experience, currently with Cetera in Roseville, CA. His prior experience includes roles at LPL Financial, NEXT Financial Group, and Waddell & Reed. Outside of his advisory work, he participates in team roping activities. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a multi-manager platform with a range of portfolio management options, including model portfolios, third-party managers, and bespoke strategies, managing over $256 billion in assets.

Brandon Bollengier is a financial advisor at Fidelity with one year of industry experience. He holds a Series 66 designation and previously worked at Intel Corporation. Outside of his advisory role, Brandon provides dog sitting services. Fidelity, through its Strategic Advisers LLC affiliate, offers investment management and advisory services to a diverse client base, utilizing a blend of proprietary research, quantitative analysis, and algorithmic portfolio construction across mutual funds, ETFs, and ETPs.

Matthew Haughton is a financial advisor at Merrill with seven years of industry experience. He holds Series 63 and Series 66 licenses and has previous experience at Bank of America, Wells Fargo Clearing Services, and Wells Fargo Bank. 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 strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Colleen Langs is a financial advisor with Morgan Stanley in Roseville, CA, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. She has worked at Morgan Stanley Private Bank, National Association since 2015 and with Morgan Stanley Smith Barney since 2012. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a broad range of advisory programs and tailored financial planning services supported by structured planning tools and firm-approved methodologies.

Kathryn Christensen is a financial advisor with OSAIC in Roseville, CA, holding Series 63 and Series 65 licenses and 17 years of industry experience. She previously worked at Securities America Advisors and Securities America Inc from 2016 to 2024. Christensen also holds a California insurance license for health, accident, and annuities, although she does not currently sell insurance. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and investment advisory services, financial planning, and access to third-party money managers and wrap programs. The firm employs various asset-allocation tools and supports both discretionary and non-discretionary portfolio management across multiple investment types.

Steven Lease is a financial advisor with Morgan Stanley in Roseville, CA, holding a Series 66 designation and possessing 16 years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2010, including Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a variety of advisory programs to both individual and institutional clients. The firm’s financial planning emphasizes structured discovery and utilizes proprietary tools and modeling techniques, serving approximately $2.74 trillion in client assets.

Douglas Behl is a financial advisor at LPL Financial with 42 years of industry experience. He holds the Series 63 designation and has been with LPL Financial since 2005. In addition to advising, he is involved in tax planning and preparation through a separate business activity. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a wide range of clients including individuals, retirement plans, institutions, and charitable organizations. The firm offers diverse advisory programs and financial planning services, utilizing both discretionary and non-discretionary management supported by proprietary and third-party research.

Christian Baldree is a financial advisor at OSAIC with 16 years of industry experience. He holds a Series 66 designation and has worked previously at Woodbury Financial Services and Questar Asset Management. Outside of his advisory role, Baldree serves as President of the Pacific Gold Aviation Association and sits on the board of trustees for the Roseville Theater Arts Academy, a nonprofit community theater organization. OSAIC serves a diverse client base, including retail and institutional investors, offering integrated brokerage and advisory services along with access to third-party money managers and unified managed accounts. The firm utilizes asset-allocation tools and automated rebalancing to construct portfolios across multiple asset classes on both discretionary and non-discretionary bases.

Joyce Blonskij is a financial advisor with Cambridge Investment Research Advisors, holding a Series 63 designation and having 40 years of industry experience. She has been with Cambridge Investment Research Advisors since 2005 and with Cambridge Investment Research, Inc. since 2003. Outside of her advisory role, she is an author of the book "Own the Clouds" and works as a health coach with Optavia. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension plans, charitable organizations, and retirement-plan sponsors, offering financial planning, investment management, and retirement advisory services through a network of independent Financial Professionals. The firm provides multiple investment implementation options, including proprietary and third-party strategies, tailored to client objectives.

Connor Schlecht is a financial advisor at Ameriprise with six years of industry experience. He holds a Series 66 designation and previously worked at DeBoer Financial Group and Commonwealth Financial Network. Outside of Ameriprise, he is an associate financial advisor at FHL Operations LLC. Ameriprise provides a retirement-income planning service targeting individuals with significant investable assets, combining research, modeling, and tax-efficient strategies to develop personalized recommendation reports. The firm operates as a large institutional provider offering a broad range of advisory, brokerage, and insurance solutions.

Bryan Brown is an Investment Consultant who takes a personalized approach to financial planning. He focuses on understanding and prioritizing what is most important to each client, aiming to provide clear, professional insight that helps them make informed decisions. Bryan has extensive experience as a Senior Internal Advisor Consultant at Franklin Templeton, where he worked from 2011 to 2024. He offers tailored guidance using a wide range of resources to help clients create financial plans that pursue peace of mind and success. He holds a California Insurance License.

Erik Truxal is a CFP®-designated financial advisor with 12 years of industry experience. He is currently with Cetera and has previously worked at Edward Jones and LPL Financial. He also operates Truxal Wealth Management. Cetera Investment Advisers LLC serves a nationwide network of independent advisors and offers a variety of portfolio management and financial planning services to individuals, retirement plans, corporate, charitable, and institutional clients.

Robert Clark is a financial advisor with Mass Mutual Investors Services in Roseville, CA, holding Series 63 and Series 65 credentials and 18 years of industry experience. He has previously worked at Eagle Strategies and New York Life Insurance Company. Outside of his advisory role, Clark serves as a board member for the Placer County Sheriff's Association and is involved with the Rylee Grace Foundation, a nonprofit supporting families of pediatric cancer. Mass Mutual Investors Services, a subsidiary of MassMutual, provides ongoing financial planning and asset management to individuals, business owners, trusts, and charitable organizations, using firm-approved software and collaborative annual planning engagements.

Kayji Arai is a financial advisor with Robert W. Baird & Co. in Roseville, CA, holding a Series 66 designation and six years of industry experience. Prior to joining Baird in 2019, Arai worked at Mikuni Japanese Restaurant and Sushi Bar and attended the University of California, Davis. Outside of finance, Arai has experience working in hospitality at Mikuni Japanese Restaurant. Arai is part of The DDK Group within Robert W. Baird’s Private Wealth Management practice, which advises individuals, families, pensions, corporations, and institutional clients. The team offers tailored financial planning and portfolio management services, utilizing a range of investment strategies and both in-house and third-party managers.

Brandon Montalvo is a financial advisor with Morgan Stanley in Roseville, CA, holding a Series 66 designation and eight years of industry experience. His work history includes roles at Morgan Stanley Private Bank and Morgan Stanley since 2018, with prior experience in several part-time non-investment roles. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs, including tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers services that include financial planning, investment programs, and access to private funds and structured products.

Kyle Kelly is Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2016. He utilizes the resources available at Fidelity along with his understanding of clients' situations to provide financial guidance and advocacy. Kyle's professional experience includes serving as a Financial Advisor at Bank of America, Merrill Lynch from 2014 to 2016, and as a Brokerage Representative at Charles Schwab and Co. in 2014. He holds a California Insurance License. Outside of his professional work, Kyle has interests in baseball, beach activities, family activities, food, golf, and military service.

Jessica Van Dyke is a financial advisor with Ameriprise in Roseville, CA, holding a Series 66 designation and eight years of industry experience. She has worked at Ameriprise since 2017 and previously was employed at California State University, Sacramento. Outside of advising, she owns JVD Consulting, LLC, which manages her personal payroll and non-partnership business expenses. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning services that employ a collaborative, non-discretionary approach based on proprietary research and third-party data.

Jeong Kim is a financial advisor with LPL Financial and holds Series 63 and Series 65 credentials. He has 25 years of industry experience, having previously worked at Cetera, Cetera Advisor Networks LLC, Wells Fargo Clearing, and Wells Fargo Advisors LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a nationwide network of investment adviser representatives. The firm provides a range of advisory programs, financial planning, retirement plan consulting, and brokerage services supported by model portfolios, research, and advanced technologies.