Dave Winther is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2025. He has been with Fidelity Investments since 2016, progressing through roles including Financial Consultant, Investment Consultant, Relationship Manager, and Financial Representative. Dave works closely with clients to help them achieve their financial goals through a collaborative planning process that aligns investments with clients' unique values. He holds a California Insurance License, supporting his ability to provide comprehensive financial advice. Outside of his professional responsibilities, Dave enjoys comedy, cooking and baking, fitness, football, movies, and music.

Ariel Agustin is a Senior Financial Advisor with Merrill Lynch Wealth Management. In this role, Ariel provides personalized wealth management strategies tailored to clients' individual financial situations and goals. Leveraging the investment insights of Merrill and the banking services of Bank of America, Ariel helps clients navigate changing market conditions and pursue their financial objectives. With expertise in areas including executive compensation, retirement income, philanthropic planning, socially responsible investing, and tax minimization, Ariel offers comprehensive wealth management that begins with understanding the client's family and financial priorities. Ariel holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Ariel earned a bachelor's degree from the California State University System. Outside of work, Ariel’s personal interests include basketball, biking, genealogy, interior decorating, spending time with family, and traveling. Ariel’s approach is grounded in a philosophy of providing personalized support to help clients achieve their goals with clarity and confidence.

Patricia Martin is a financial advisor at Ameriprise with 35 years of industry experience. She has been with Ameriprise and its predecessor firm since 1990 and holds a Series 63 designation. Outside of her advisory work, she has involvement in single-family real estate ownership. Ameriprise offers a retirement-income planning service tailored to individuals approaching or in retirement, focusing on clients with significant investable assets. The firm provides a range of advisory, brokerage, and insurance solutions, utilizing a centralized consulting team and algorithmic tools to produce tailored, non-discretionary retirement income recommendations.

Trevor Glenn II is a financial advisor at LPL Financial with 20 years of industry experience. He holds the Series 63 and Series 66 designations. His prior experience includes roles at Crown Capital Security LP and Quest Securities, Inc. Outside of his advisory work, he has been involved with Paradigm Mortgage Corporation, a mortgage and real estate services business he has operated since 1993. 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, supported by research and multiple portfolio management options.

Jeremey Hill is a financial advisor at Cetera with 18 years of industry experience and holds Series 63 and Series 66 credentials. He has worked previously at firms including Allianz Life Insurance Company and LPL Financial. Outside of his advisory work, he serves as secretary of a homeowners association in Fair Oaks, California. Cetera Investment Advisers LLC is a large SEC-registered firm serving individual and institutional clients with portfolio management, financial planning, and retirement services. The firm offers a multi-manager platform allowing advisors to use affiliated and third-party model portfolios, with over $256 billion in assets under management and more than 10,000 advisors nationwide.

Dionne Terzoli is a financial advisor with LPL Financial in Sacramento, CA, holding a Series 66 designation and 15 years of industry experience. Prior to joining LPL Financial in 2026, Terzoli spent 11 years with Raymond James Financial Services and serves at Golden1 Credit Union. She has also been involved with St. Anthony's Parish in Sacramento since 2016. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm provides a range of advisory programs, financial planning, and retirement plan consulting, offering both discretionary and non-discretionary management supported by in-house and third-party research.

Jared Duran is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. Prior to joining Fidelity, he held roles at King Cong Brewing Co., Duran Strategic Marketing, Markstein Beverage of Sacramento, and Fitness MD, and served in the U.S. Army Reserves for eight years. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm offers discretionary and non-discretionary advisory services, fund management, and model portfolio delivery, with notable activities including its registration as a commodity pool operator and use of AI in research.

Michael De Philippis is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. He worked at Edward Jones for 18 years before joining Raymond James Financial Services Advisors in 2022. Outside of his advisory role, he is president of Barrier Reef Investments, a financial planning firm. Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to individuals, high-net-worth clients, pension plans, corporations, charitable organizations, and institutional clients. The firm offers tailored, non-discretionary planning using risk profiling and modeling tools and supports municipal and public finance work through a unique affiliation with a municipal advisor.

John Signorotti is a CFP® and ChFC® with 39 years of industry experience. He has worked at Osaic Wealth, Inc. since 2018 and previously operated Signatorotti Insurance Services, Inc. since 1999, where he serves as CEO. He is also a trustee managing a family estate for a beneficiary. OSAIC Wealth, Inc. serves a diverse range of retail and institutional clients through a large network of advisers, offering integrated brokerage and advisory services, financial planning, and access to third-party money managers. The firm employs a variety of portfolio construction tools and supports multiple advisory platforms, including discretionary and non-discretionary account management.

Jordan Sullivan is a Financial Advisor with Merrill Lynch Wealth Management, specializing in helping high net worth retirees and pre-retirees implement investment tax strategies. Jordan focuses on designing tax-efficient income streams, converting pre-tax funds into post-tax funds while adhering to tax policy, and employing tax-loss harvesting techniques to offset future capital gains. Collaboration with clients' CPAs is central to ensuring tax strategies are thoroughly vetted before implementation. Jordan's expertise spans corporate benefits, equity compensation services, family wealth management strategies, personal retirement planning, portfolio management services, small business strategies, socially responsible and ESG investing, individual and corporate investment strategy, tax minimization, and retirement income. This broad knowledge enables Jordan to help clients understand and optimize their after-tax returns. Jordan holds Personal Investment Advisor (PIA) designation and earned bachelor's degrees from the University of California system and Zhejiang University. Outside of work, Jordan enjoys adventure sports, basketball, hiking, music, painting, reading, rock climbing, and writing.

Babak Adeli is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and five years of industry experience. He has been with Wells Fargo Clearing since 2020 and has prior experience with Wells Fargo Bank, Digital Doc LLC, Volt, and Tutoring Rocks. 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 offers brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Andrea Silva is a financial advisor with LPL Financial in Sacramento, CA, holding Series 65 and Series 63 licenses and 17 years of industry experience. She has been with LPL Financial since 2013 and previously operated Colverfield Photography for eight years. 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 with access to model portfolios and research.

Sean Murphy is a financial advisor with Ameriprise in Sacramento, CA, holding a Series 63 designation and 31 years of industry experience. He has worked with Ameriprise and its affiliated entities since 1994. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing planning advice focused on retirement income strategies, including tax-aware withdrawals and Social Security options.

Marta Solis is a financial advisor at Fidelity Investments with five years of industry experience. She holds a Series 66 designation and has previously worked at Equitable Advisors LLC, JP Morgan Chase Bank, and Golden State Overnight. Outside of her advisory role, she operates Valensol Cafe, a small business selling coffee via curbside pickup in Sacramento. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction across diversified model portfolios.

Dominic Kennedy is a financial advisor with Merrill in Sacramento, CA, holding a Series 66 designation and four years of industry experience. He has worked at Merrill since 2011 and at Bank of America since 2021. Outside of his advisory role, he is an officer and 10% shareholder of Case Hit Cardz Inc., an online marketplace for the resale of sports trading cards, where he serves as CFO and secretary. He is also 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions, with a focus on both strategic asset allocation and tax-aware approaches.

Katherine Ducharme is a financial advisor with Edward Jones in Sacramento, CA, holding Series 66 and Series 63 credentials. She has one year of industry experience. Her prior work includes roles at Vanguard Marketing Corporation, Saxbys, and the U.S. Department of State. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large national network of advisors and branch offices.

Michael Hastings is a financial advisor with LPL Financial, holding a Series 66 designation and 16 years of industry experience. He previously worked at Cetera Advisor Networks LLC for seven years and has been affiliated with Sacramento Credit Union for over two decades. 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 and financial planning services, utilizing model portfolios, third-party research, and technology-driven strategies.

Juan Lara Turner is a financial professional with one year of industry experience, currently affiliated with Osaic Wealth, Inc. He holds a Series 66 designation and has previously worked at Retirement Security Centers and The Cheesecake Factory. In addition to his advisory role, he supports senior planners and assists with client meetings and administrative tasks at Retirement Security Centers. Osaic Wealth, Inc. serves a diverse range of retail and institutional clients through a large network of financial advisers. The firm offers integrated brokerage and advisory services, financial planning, retirement consulting, and access to various managed account platforms.

Kyle Harlow is a financial advisor with Raymond James Financial who holds Series 63 and Series 66 licenses and has 10 years of industry experience. His prior experience includes roles at Edward Jones, Legg Mason Investor Services, and Franklin Templeton Financial Services. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored non-discretionary planning and consulting using advanced analytical tools and supports a broad network of advisors and affiliated firms.

Bryce Pattison is a financial advisor at Wells Fargo Clearing with one year of industry experience. He holds a Series 66 designation and previously worked for Royal Petroleum Co. for 19 years. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.