Tami Couch is a financial advisor with Morgan Stanley in Sacramento, CA, holding a Series 66 designation and four years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2019 and previously worked at Wise Auto Group and Momentum Auto Group. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and provides services through Financial Advisors and its Estate Planning Strategies Group.

Timothy Mcdonald is a financial advisor with Morgan Stanley in Sacramento, CA, holding Series 63 and Series 65 credentials with 46 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2009 and with Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a range of advisory programs to individuals and institutional clients, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process using firm-approved tools and modeling techniques.

Nickolas Gould is a financial advisor with LPL Financial based in Sacramento, CA, holding a Series 66 designation and 19 years of industry experience. His career includes roles at California Bank & Trust, Wells Fargo Clearing, Wells Fargo Advisors LLC, and Wells Fargo Bank. Outside of his advisory work, he engages in online sales. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients nationwide. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services with discretionary and non-discretionary management options, leveraging model portfolios and research from multiple sources.

Scott Matzoll is a Financial Advisor with Merrill Lynch Wealth Management. He focuses on family wealth management strategies, liquidity management, individual and corporate investment strategy, and retirement income. Scott's approach involves helping clients uncover what matters to them and their families to create strategies aimed at pursuing their financial goals. He holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) professional designations. Scott earned a Bachelor's Degree from the University of San Francisco and completed an Accredited Certificate Program through the California State University System. Outside of his professional work, Scott engages in adventure sports such as hiking, rock climbing, running, skiing, and tennis. He is also involved in his community as a Business Liaison for Helping Hands Orangevale.

Jacob Bisler is a Financial Advisor with Merrill Lynch Wealth Management. In his role, he assists individuals and families in pursuing their financial goals through personalized planning and tailored wealth management strategies. He focuses on building meaningful relationships and helping clients make confident financial decisions at every stage of life. Jacob holds a Bachelor's Degree from California State University, Sacramento, an Associate's Degree from Los Rios School District, and a High School Diploma from West Campus High School. He has earned professional designations as a Chartered Retirement Planning Counselor (CRPC) and a Personal Investment Advisor (PIA). His areas of expertise include employee benefits planning, services for endowments, foundations, and non-profits, legacy planning, personal retirement planning, and tax minimization. Growing up in the Sacramento area, Jacob enjoys spending time with his family and engaging in activities such as football, golfing, and skiing. He is involved in professional and community organizations including Active 20-30 Club #1 in Sacramento and the Sacramento State Alumni Association.

Pravin Kumar is a financial advisor with Wells Fargo Clearing in Sacramento, CA, holding Series 63 and Series 66 designations and 11 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 Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice grounded in modern portfolio theory. The firm’s services include investment policy statement preparation, performance reporting, participant education, and plan benchmarking, with a broader investment menu that includes insurance-related vehicles and bank deposit sweep options.

Gary Bladen is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he has been serving clients since 2012. Based in the Palo Alto branch, he works closely with individuals and families to develop personalized financial strategies tailored to their specific goals, values, and needs. His approach involves regular reviews to ensure financial plans remain aligned with the client's evolving life circumstances. Gary's expertise encompasses a broad range of financial planning areas, including retirement planning, college education funding, legacy planning, managing new wealth, tax minimization, and socially responsible investing. He holds several professional designations, including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Prior to joining Merrill Lynch, he worked with clean technology startups focusing on sustainability and resource efficiency and contributed to innovation efforts in the Sacramento area. He earned his bachelor's degree from the University of California system. Outside of his professional work, Gary enjoys playing music, cooking, soccer, traveling, and spending time with his family.

Charlotte Russo is a financial advisor at Merrill with 19 years of industry experience. She holds Series 63, Series 65, and Series 66 licenses. Her prior work includes roles at Wells Fargo Advisors and Bank of America. She is involved with the Josephine Lugo Trust outside of her advisory duties. 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 constructed by internal and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Robert Chase is a financial advisor with Mass Mutual Investors Services in Sacramento, CA, holding Series 63 and Series 65 licenses and 13 years of industry experience. He has worked with MML Investors Services LLC and MassMutual Life Insurance Company since 2014. Outside of his advisory role, he acts as a life and health insurance agent. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, using firm-approved tools to analyze client goals and structure collaborative, annual planning engagements.

Wayne Soloaga is a financial advisor with Morgan Stanley in Sacramento, CA, holding Series 63 and Series 65 credentials and bringing 39 years of industry experience. He has worked within various Morgan Stanley entities since 2007, including 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 its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process utilizing tools such as Secular Return Estimates and Monte Carlo simulations.

Stine Bradford is a financial advisor with LPL Financial, holding a Series 66 designation and 10 years of industry experience. Prior to joining LPL Financial in 2023, she worked at Securities America Advisors and KMS Financial Services. She also operates Bradford Investment Services, an independent business she has maintained since 2016. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual clients, retirement plans, banks, 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 alongside research-supported model portfolios.

Jake Remolona is a Financial Advisor at Merrill Lynch Wealth Management. He began his career in 2021 after graduating from the University of California, Davis with a degree in Managerial Economics. Jake initially worked with Equitable Advisors as a Financial Professional before joining Merrill Lynch Wealth Management in 2024. His areas of focus include family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, tax minimization, and retirement income. He holds the designation of Personal Investment Advisor (PIA). Jake emphasizes building personalized financial plans and providing ongoing advice tailored to clients' unique goals. Outside of his professional work, Jake enjoys baseball, football, golfing, photography, reading, running, skiing, soccer, spending time with his family, and traveling.

Barbara Reese is a Certified Financial Planner (CFP®) with 34 years of industry experience. She has been with LPL Financial since 2003. Outside of her advisory work, she is a co-owner of Stoney's Rockin' Rodeo Restaurant in Sacramento, CA. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, employing both discretionary and non-discretionary management with access to model portfolios and research from multiple sources.

James Defilippi is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 credentials and 10 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, N.A. His practice is based in Lodi, California. 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, incorporates modern portfolio theory, and includes discretionary options, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Adriana Valenzuela is a financial advisor with Wells Fargo Clearing in Sacramento, CA, holding Series 63 and Series 65 designations and 13 years of industry experience. She has worked with Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors, LLC from 2012 to 2016. Valenzuela has been affiliated with Wells Fargo Bank NA since 2009. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans 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.

John Lee is a financial advisor at Wells Fargo Clearing with 12 years of industry experience. He holds the Series 66 designation and has been with Wells Fargo entities since 2014. Outside of his advisory role, he is a part-time landlord with ownership interests in rental properties in Elk Grove and Stockton, California. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services, managing approximately $671 billion in assets across more than 14,000 financial advisors.

Jackelyn Khalid is a financial advisor at Wells Fargo Clearing with two years of industry experience. She holds the Series 66 designation and has been with Wells Fargo Clearing since 2015. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services that include investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a broader range of investment options including insurance-related vehicles and bank deposit sweep programs.

Richard Graue is a financial advisor with Wells Fargo Clearing, holding a Series 63 designation and 29 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and was previously with 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 investment services. The firm’s advisory process is investment policy statement–driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Yuri Kim is a financial advisor with Wells Fargo Clearing, holding Series 65 and Series 66 credentials and 17 years of industry experience. Prior to joining Wells Fargo in 2019, Yuri worked at U.S. Bancorp Investments, Inc. and U.S. Bank from 2013 to 2019. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, including pension and charitable organizations. The firm offers investment advisory services, financial planning, and retirement plan consulting, employing research and analytics to support its investment approach.

Richard West is a Series 66 licensed financial advisor with 47 years of industry experience. He is currently with OSAIC and has previously worked at Securities America Advisors, Inc. and Foothill Securities, Inc. Outside of his advisory roles, he serves as a water polo consultant and evaluator. OSAIC Wealth, Inc. serves a diverse range of retail and institutional clients through an extensive network of financial advisers, offering integrated brokerage and advisory services alongside various investment platforms. The firm employs asset-allocation tools and automated rebalancing to construct diversified portfolios managed on discretionary or non-discretionary bases.