Sara Evans is a financial advisor with J.P. Morgan Securities in Granite Bay, CA, holding Series 63 and Series 65 licenses and nine years of industry experience. Her work history includes roles at JPMorgan Chase Bank, First Republic Bank, UnionBanc Investment Services, MUFG Union Bank, and Wells Fargo. J.P. Morgan Securities LLC provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors, utilizing a process that combines quantitative asset-allocation modeling with centralized due diligence and an ESG framework. The firm offers non-discretionary advice through a selected group of Wealth Advisors.

Jeremy O Reilly is a financial advisor with J.P. Morgan Securities LLC, holding Series 63 and Series 66 credentials and bringing 15 years of industry experience. Prior to joining J.P. Morgan in 2017, he worked at E*TRADE Capital Management LLC, Harrisdirect LLC, and E*Trade Securities LLC. 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 combines institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

James Dugan Jr. is a financial advisor with Morgan Stanley in Folsom, California, holding Series 63 and 65 licenses and bringing 34 years of industry experience. He has worked with Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2010. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and provides services that include relationships with investment companies, private funds, and structured-product activities.

Christopher Ledell is a financial advisor at Merrill with 23 years of industry experience. He holds Series 63 and Series 65 designations and has worked at BlackRock Investments, LLC for 11 years before joining Merrill and Bank of America, N.A. in 2021. Outside of advising, he manages an LLC related to rental property holdings. Merrill, along 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 individuals, high-net-worth clients, and institutional investors.

Olga Garton is a financial advisor with LPL Financial in Folsom, CA, holding Series 63 and Series 65 licenses and bringing 15 years of industry experience. Her prior work includes roles at Iron Point Advisors, Securities America, and Waddell and Reed. 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, utilizing model portfolios and research from both internal and third-party sources.

Aritra Bera is a financial advisor at Edelman Financial Engines with a Series 65 designation and one year of industry experience. Prior to joining Edelman Financial Engines, he held positions at Catalyst Kids, Banker's Life, and Californians for All College Corps. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm employs a committee-driven modeling process combined with planner delivery and online tools, offering both discretionary and non-discretionary investment options.

Jay Ramey is a financial advisor at Cetera with 37 years of industry experience. He holds Series 63 and Series 65 credentials and has been associated with Cetera and its related entities since 2013. Outside of his advisory work, he serves as a board member for the Bridlewood Canyon Homeowners Association. Cetera Investment Advisers LLC is an SEC-registered firm that supports a nationwide network of independent advisors serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a variety of portfolio management and financial planning services through multiple program structures and a range of third-party money manager options.

Karl Silva is a financial advisor at Equitable Advisors with 33 years of industry experience. He has been with Equitable Advisors and its predecessor, AXA Advisors, since 1999. Outside of financial services, he is a silent partner in an interior design firm, Life|Style Design Group. Equitable Advisors serves individual clients, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients, providing financial planning, retirement plan consulting, and asset-management programs through a network of Investment Adviser Representatives. The firm offers a range of advisory models implemented by third-party managers and LPL-sponsored programs, covering mutual funds, ETFs, separately managed accounts, and select alternative investments.

Ian Gookin is a financial advisor at Edward Jones with 17 years of industry experience. He holds the CFP® designation along with Series 63 and Series 66 licenses. Prior to joining Edward Jones in 2021, he worked at Franklin Templeton Distributors Inc. and Franklin Templeton Financial Services Corp. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management through a nationwide network of more than 23,700 financial advisors, offering a range of advisory programs and affiliated investment products.

Christie Johnson is a CFP® and holds a Series 66 license, currently working with Edward Jones in Placerville, CA. She has 14 years of industry experience and has been with Edward Jones since 2011. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment strategies. The firm manages approximately $1.01 trillion in assets through its nationwide network of more than 23,700 financial advisors and provides services under a fiduciary standard.

Dennis Sanchez is a financial advisor at Edward Jones with a Series 66 designation and three years of industry experience. His prior roles include positions at Partners Mortgage, Blue Water Credit, Valpak, and an 18-year tenure at Thryv. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, supported by a nationwide network of more than 23,700 advisors and managing approximately $1.01 trillion in assets under management.

Matthew Hilliker is a financial advisor with Wells Fargo Clearing in El Dorado Hills, CA, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC for five years. He serves as co-trustee for his father's investment-related trust. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions, with an emphasis on research-based investment selection and a broad range of financial products through affiliated entities.

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.

Stephen Swarbrick is a financial advisor at OSAIC with 32 years of industry experience. He previously worked at Woodbury Financial Services and Questar Asset Management. Swarbrick serves as a board member of the Bright Water Foundation, a nonprofit organization. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated financial advisers and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, retirement plan consulting, and access to third-party money managers, employing asset-allocation tools and automated rebalancing to construct diversified portfolios.

Justin Souter is a financial advisor at Morgan Stanley with 22 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2022, following a decade at UBS Financial Services. He holds the Series 63 and Series 65 designations. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses a structured planning process supported by firm-approved tools and market simulations.

Taylor Reed is a financial advisor at LPL Enterprise with 10 years of industry experience. He holds Series 63 and Series 65 designations. Prior to joining LPL Enterprise, Taylor worked at The Prudential Insurance Company of America and Pruco Securities LLC. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage channels. The firm offers financial planning, consulting, and access to model wealth portfolios and third-party asset management programs.

Catherine Johnson is a financial advisor at Morgan Stanley with 32 years of industry experience. She holds a Series 63 designation and has worked at Morgan Stanley Private Bank, National Association, Morgan Stanley Smith Barney, and Citigroup Global Markets. Morgan Stanley Wealth Management serves individuals and institutional clients by offering a wide range of advisory programs, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process using firm-approved tools and modeling techniques.

Jonathan Bolter is a financial advisor with UBS Financial Services in Roseville, CA, holding Series 63 and Series 65 designations and having 39 years of industry experience. He has been with UBS since 2014. Outside of his advisory role, he owns a rental property in Truckee, CA. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services to tailor plans based on proprietary research and model-based asset allocations.

Charles Plog is a financial advisor at LPL Financial with 34 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Linsco Private Ledger since 2002. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing model portfolios, third-party research, and technology-driven solutions.

Ryan Naake is a Wealth Management Advisor with Merrill Lynch Wealth Management, specializing in comprehensive financial planning and wealth management strategies. He works closely with individuals, business owners, and employee retirement plans to develop personalized approaches that address their short- and long-term financial goals. His expertise encompasses areas such as college education planning, divorce transition planning, family wealth management, legacy planning, retirement income, and tax minimization. Ryan holds a Bachelor's Degree from the California State University System and has earned the Certified Financial Planner (CFP) designation as well as the Personal Investment Advisor (PIA) credential. He follows Merrill's Goals Based Wealth Management process to tailor strategies that reflect each client’s unique financial situation and objectives. Originally from Woodland, CA, Ryan has spent nearly all his life in the greater Sacramento area, where he enjoys outdoor activities including boating, fishing, skiing, golfing, camping, and adventure sports. He is also active in community volunteering in alignment with Merrill’s tradition of local engagement.