Tracie Baiz is a financial advisor with Osaic Wealth, Inc., holding Series 63 and Series 65 licenses and with 26 years of industry experience. She has previously worked at Securities America Advisors, Inc., LPL Financial, and Signator Financial Services, among other firms. In addition to her advisory role, she is an Enrolled Agent providing personal and business income tax preparation and advocacy before the IRS. Osaic Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations through a large network of affiliated financial advisors. The firm offers integrated brokerage and advisory services, utilizing asset allocation tools and third-party platforms to manage portfolios including stocks, bonds, options, mutual funds, ETFs, and alternative investments.

Christopher Bradford is a financial advisor with LPL Financial in West Sacramento, CA, holding CFP® and securities licenses with 24 years of industry experience. His prior firms include Securities America Advisors, KMS Financial Services, Raymond James Financial, and Edward Jones. He also serves as an executor and trustee of a private estate. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a large network of advisors and advanced operational tools.

Jason Pilcher is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has been with Merrill Lynch since March 15, 1999, providing financial advisory services to help clients pursue their financial goals through personalized wealth management strategies. Jason works closely with clients to develop tailored financial plans that address their individual priorities and adapt to changing market conditions. He holds a Bachelor's Degree from California State University, Sacramento, where he concentrated in finance and accounting. Jason’s professional designations include Chartered Financial Consultant (ChFC), Certified Financial Planner (CFP), Certified Investment Management Analyst (CIMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). In addition to client advisory work, Jason regularly conducts training classes at the Merrill Lynch Sacramento Complex. Jason is also engaged in community involvement, volunteering with local organizations in alignment with Merrill’s tradition of community participation. His approach emphasizes one-on-one collaboration to help clients achieve their long-term financial goals.

Zackary Lardie is a financial advisor at Wells Fargo Clearing with 10 years of industry experience. He holds Series 63 and Series 66 designations and has been with Wells Fargo Clearing since 2016. Prior to this, he worked at Wells Fargo Advisors LLC and Wells Fargo Bank, NA. 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 grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Jason Uchi is a Financial Advisor at Merrill Lynch Wealth Management. In his current role, he provides financial advice and services to clients, assisting them in managing their wealth and achieving their financial goals. Further details about his experience, areas of expertise, education, credentials, personal interests, or community involvement were not provided.

Garrett Avila is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 10 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. Avila is based in Sacramento, CA. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Danh Truong is a financial advisor at Merrill with six years of industry experience and holds a Series 66 designation. He has worked at Merrill and Bank of America since 2018. Outside of his advisory role, Truong serves as a caretaker for the In-Home Supportive Services program, a government caretaker initiative. 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 model-based and discretionary investment strategies for a variety of individual and institutional clients.

Yousaf Zamanudin is a Wealth Management Advisor with Merrill Lynch Wealth Management. Since beginning his financial services career in 2012, he has specialized in creating tailored wealth management strategies for clients, focusing on areas such as retirement planning, estate and legacy planning, corporate executive services, and personalized investment strategies. His approach involves understanding clients' individual financial situations and goals to develop comprehensive plans that address wealth transfer, portfolio management, charitable giving, and business succession. Yousaf holds professional designations including Certified Investment Management Analyst (CIMA), Certified Private Wealth Advisor (CPWA), and Personal Investment Advisor (PIA). He earned accredited certificates from the Yale School of Management. He is involved in professional and community organizations such as the City of Sacramento Boards and Commissions and Junior Achievement of Sacramento, reflecting his commitment to community participation and service. Outside of his professional work, Yousaf pursues personal interests including adventure sports, biking, boating, chess, hiking, horseback riding, reading, running, and spending time with his family. He emphasizes a client-centered philosophy focused on working one-on-one to develop personalized financial strategies aligned with long-term goals.

Mireille Jraige is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and 16 years of industry experience. She has worked with Wells Fargo Clearing since 2016 and previously with Wells Fargo Advisors LLC from 2011 to 2016. Her career also includes a long tenure at Wells Fargo Bank, N.A. and experience with Promasys Corporation. 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, with a notable inclusion of insurance-related investment options and bank deposit sweep programs.

Julie Norton is a financial advisor with Edward Jones, holding a Series 66 designation and five 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, including high-net-worth households, pension plans, and charitable organizations. The firm manages approximately $1.01 trillion in assets and offers a range of advisory services, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

John Witry is a financial advisor with J.P. Morgan Securities in Sacramento, CA, holding Series 63 and Series 65 credentials and 26 years of industry experience. He has worked at J.P. Morgan Chase Bank and J.P. Morgan Securities since 2012. In addition to his advisory role, he is also employed by JPMorgan Bank, which enables him to offer certain banking products and services. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, focusing on asset-allocation advice, investment manager searches, and customized performance reporting through a non-discretionary advisory model.

Wonwyne Hale is a financial advisor at Fidelity with three years of industry experience and holds the Series 66 designation. His prior roles include positions at The Golden 1 Credit Union, LPL Financial LLC, and World Financial Group. He is affiliated with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm combines fundamental research with quantitative analysis and algorithmic portfolio construction to manage portfolios across multiple investment platforms.

Douglas Haskin is a financial advisor with LPL Financial based in Sacramento, CA, holding a Series 66 designation and 15 years of industry experience. His prior roles include positions at Wells Fargo Clearing and Bank of America, as well as Merrill. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions. The firm provides a range of investment options and operational support tools, serving over 22,800 advisors and overseeing more than $819 billion in discretionary assets.

Mey Saechao is a financial advisor with Merrill, holding a Series 66 designation and bringing 13 years of industry experience. Based in Sacramento, CA, Saechao has been with Merrill since 2013. 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 developed by internal teams and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

David Nakamura is a financial advisor with Morgan Stanley in Sacramento, CA, holding Series 63 and Series 65 licenses. He has 46 years of industry experience, including roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a broad range of advisory programs to individual and institutional clients. The firm emphasizes structured financial planning and offers various investment and planning services supported by research tools and a global investment committee.

Madeline Nardi is a financial advisor with UBS Financial Services in Sacramento, CA, holding a Series 66 designation and six years of industry experience. She has worked at UBS Financial Services since 2016, with a two-year period at Banner Bank from 2017 to 2019. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, combining institutional trading capabilities with wealth management. The firm offers fee-based financial planning, portfolio management, and distributes proprietary research to tailor investment strategies to client goals.

Catherine Dickie is a financial advisor at Morgan Stanley in Sacramento, CA, holding a Series 66 designation with eight years of industry experience. She has been with Morgan Stanley since 2013. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs, including tailored financial planning and estate planning, managing approximately $2.74 trillion in client assets.

Di Dong is a financial advisor with LPL Financial based in Sacramento, CA, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. Prior to joining LPL Financial, Dong worked for Bank of the West and BancWest Investment Services for ten years. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting advisors with research and operational tools.

Caitlan Bjornsen is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. She holds a Series 66 designation and has been with J.P. Morgan Securities since 2015. Outside of her advisory role, she assists with bookkeeping and computer tasks for a landscaping business owned by her husband. 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 delivers these services on a non-discretionary basis, combining large institutional advisory operations with broker-dealer and investment adviser registrations.

Alexandro Duran is a financial advisor at Fidelity with eight years of industry experience. He holds a Series 66 designation and has previously worked at LPL Financial, LLC, Strategic Wealth Advisors Group, LLC, and State Street. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including discretionary and non-discretionary portfolio management, fund advisory, and model portfolio delivery. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction, and serves multiple registered investment companies and intermediary platforms.