Erin Cairns is a financial advisor at D.A. Davidson & Co. with one year of industry experience. She holds a Series 66 designation and previously worked at Limeade and PepsiCo. D.A. Davidson & Co. provides investment advisory and brokerage services to a diverse client base, including retirement plans, individual investors, charitable organizations, and corporate clients. The firm offers services under fiduciary standards and employs both qualitative and quantitative analysis, with specialized programs for high-net-worth clients and municipal advisory activities.

John Lee is a financial advisor with VALIC Financial Advisors in Roseville, CA, holding a Series 66 credential and 22 years of industry experience. He has been with VALIC since 2004 and is also involved in coaching a youth ski team at Sierra At Tahoe and instructing at The Picklr sports club on weekends. VALIC Financial Advisors primarily serves U.S.-based individual investors, including high-net-worth and ultra-high-net-worth clients, as well as corporate and retirement-plan participants. The firm offers discretionary managed-account programs, financial planning, and brokerage services, utilizing Envestnet UMA models with options for tax and ESG overlays.

Lynne Verdone is a CFP® professional with 40 years of industry experience, currently serving at SPC and Parkland Securities, LLC. She has been with SPC since 2006 and Parkland Securities since 2014. In addition to her advisory work, she provides education and placement services related to long-term care policies on a commission basis. SPC serves a diverse client base including individuals, charitable organizations, corporations, and retirement plans, managing approximately $5.66 billion in assets. The firm offers portfolio management, financial planning, and ERISA-related retirement services through a network of over 460 advisers.

Daniel Cairns is a CFP® professional with 45 years of industry experience. He has worked at D.A. Davidson & Co. since 2021 and previously spent 10 years with Robert W. Baird & Co. D.A. Davidson & Co. provides investment advisory and brokerage services to a broad client base, including employer-sponsored retirement plans, high-net-worth individuals, charitable organizations, and corporate clients. The firm offers a variety of advisory services under fiduciary standards, including retirement plan consulting, comprehensive financial planning, and specialized wealth management programs.

Cynthia Hartman is a financial advisor at Allworth Financial, L.P. with eight years of industry experience. She has worked at Allworth Financial since 2020 and also serves as a flight attendant for Southwest Airlines. Allworth Financial is a fee-based SEC-registered adviser serving individuals, qualified retirement plans, trusts, estates, charitable organizations, and corporate clients. The firm offers customized portfolio management using various model strategies and incorporates technology to manage held-away employer retirement accounts.

Emily Hicks is a CFP® with four years of industry experience, currently affiliated with Principal Financial Services. She has worked at Principal Securities Inc. since 2021 and previously held positions at Principal Life Insurance Co. and Marco Rodriguez. Her background also includes a role in campus recreation at UC Irvine. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, estates, charitable organizations, corporations, and active-duty U.S. military personnel abroad. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager solutions through various advisory and promoter arrangements.

Matthew Natoli is a CFP® professional with 14 years of experience in the financial services industry. He is the founder and owner of Natoli Wealth Management, where he has worked since 2020, and previously spent eight years with J.P. Morgan Securities. Natoli operates out of Roseville, CA, and holds the Series 63 designation. He is affiliated with Commonwealth Financial Network, a registered investment adviser that supports a national network of approximately 2,950 advisors. Commonwealth provides a comprehensive platform offering advisory programs, investment management, and practice-management support, enabling advisors to deliver customized portfolio solutions to retail and institutional clients.

Cameron Lagala is a financial advisor with Eagle Strategies (NY Life) based in Roseville, CA, holding Series 63 and Series 66 licenses and possessing 12 years of industry experience. His work history includes roles at Caduceus Financial & Insurance Services and J. Lens Financial & Insurance Services, alongside his ongoing affiliation with Eagle Strategies and New York Life. Additionally, he is involved in real estate consulting focused on property development and entitlement processes aimed at resale. Eagle Strategies serves a diverse client base including individual and institutional investors, providing financial planning, investment management, and retirement-plan advisory services through a broad network of affiliated advisers. The firm emphasizes tailored recommendations and manages the majority of its assets on a non-discretionary basis, with a notable focus on retirement investors and plan sponsors within an integrated New York Life affiliate structure.

Richard Silva is a financial advisor with Valic Financial Advisors in Elk Grove, CA, holding Series 63 and Series 66 licenses and 28 years of industry experience. He has worked at Sunamerica Capital Services, Inc. since 2014 and AXA Advisors, LLC since 2009. Valic Financial Advisors primarily serves U.S.-domiciled individual investors, including high-net-worth and ultra-high-net-worth clients, as well as corporate and retirement-plan participants. The firm offers discretionary managed-account programs, financial planning, consulting, and brokerage services, utilizing Envestnet-developed UMA models for portfolio construction.

Bradley Dehaven is a financial advisor with Centaurus Financial, Inc. in Fair Oaks, CA, holding a Series 63 license and bringing 37 years of industry experience. Prior to joining Centaurus in 2017, he worked at Allstate Insurance Co and has operated DeHaven & Associates Inc since 2006. Outside of advisory work, he is active as an author and public speaker on prescription drug abuse, serves as Chapter President of the American Financial Education Alliance in his local area, and acts as a Trust Protector for a Charitable Remainder Trust. Centaurus Financial, Inc. serves a diverse client base including individuals, families, small businesses, corporations, trusts, and foundations, offering financial planning, portfolio management, and retirement-plan consulting through various platforms. The firm utilizes both discretionary and non-discretionary arrangements and employs a combination of fundamental, technical, bottom-up, and top-down investment analyses.

David Frings is a financial advisor at Ameritas Advisory Services, LLC with 13 years of industry experience. He holds a Series 66 designation and has worked at firms including Fidelity Personal and Workplace Advisors, Bank of America, Merrill, and OneDigital Investment Advisors. Frings is also affiliated with Harvest Wealth Group and Vas Dias Ca, providing advisory and variable product services. Ameritas Advisory Services, LLC offers investment advisory and financial planning to a diverse client base that includes individual investors, retirement plans, charitable organizations, and corporate clients. The firm delivers advisory services through various managed account programs and employs a combination of in-house and third-party resources for portfolio construction, monitoring, and trading.

Lisa Yost is a financial advisor with Independent Financial Group, LLC, bringing 37 years of industry experience. She has worked at Independent Financial Group since 2016, and also founded Yost Financial Services in 1995 and Gibson Capital Management in 1993. Outside of her advisory work, Yost serves as co-trustee and co-executor for an estate where she assists in settling assets and managing a donor-advised charitable fund. Independent Financial Group, LLC provides investment advisory and brokerage services to a diverse clientele, including individuals, high-net-worth clients, trusts, and corporate plans. The firm employs a model-driven approach to portfolio management, combining strategic asset allocation and multi-manager portfolios across various risk profiles.

Adam Besana is a financial advisor at Guardian Life with the ChFC® designation and five years of industry experience. He has worked at Northwestern Mutual in various capacities from 2019 to 2026 and has been with Park Avenue Securities since 2026. Park Avenue Securities LLC, operating as Park Avenue® Wealth Management, is a dually registered broker-dealer and SEC-registered investment adviser specializing in services for individuals, pension plans, charitable organizations, and corporate clients. The firm offers a range of advisory programs and financial planning solutions, including discretionary and non-discretionary portfolio management.

Michael Mulvany is a financial advisor at PlanMember Securities Corporation with 30 years of industry experience. He holds the Series 63 designation and has been with PlanMember since 2010. Outside of his advisor role, he operates M2 Financial Group as a sole proprietor, offering life, disability, and health insurance services. PlanMember Securities Corporation provides retirement-plan advisory services to employers and plan participants, serving as an ERISA Section 3(38) fiduciary for many plans. The firm uses a top-down strategic asset allocation approach and manages risk-based mutual fund portfolios, offering education and support services including seminars and personalized retirement planning.

David Siegel is a financial advisor with Private Advisor Group, LLC, holding a Series 63 designation and over 46 years of industry experience. His career includes roles at LPL Financial, Mariner Independent Advisor Network, and Strategic Wealth Advisors Group. Outside of his advisory work, he is the sole owner of West Point Advisors, Inc., which operates his advisory business as a DBA. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans, offering discretionary and non-discretionary portfolio management, financial planning, and retirement plan consulting. The firm utilizes fiduciary-based advisory models and various investment strategies, often implementing advice through third-party managers and technology platforms.

Jennifer Kachmar is a CFP® professional with 19 years of industry experience, currently serving at Schwab Wealth Advisory Inc. since 2025. Her prior experience includes roles at Mercer Global Advisors Inc. and Ameriprise Financial Services, Inc. She holds Series 63 and Series 66 licenses. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations using Schwab’s asset allocation models and research tools. The firm operates as an internal advisory unit within Charles Schwab & Co., delivering advice without discretionary trading authority and serving individual clients through a cost-and-expense plus arrangement.

Douglas Balmain Jr. is a financial advisor with Allworth Financial, L.P., holding 12 years of industry experience. He has been with Allworth Financial since 2020 and has also worked with RAA since 2013. Outside of his advisory role, Balmain is a partner in a non-investment-related business and works as a pilot for American Airlines. Allworth Financial is a fee-based SEC-registered adviser serving individuals, qualified retirement plans, trusts, estates, charitable organizations, and corporate clients. The firm offers customized portfolio solutions using a variety of strategies, including model-based allocations and options-based overlays, and manages both discretionary and non-discretionary engagements.

Frank Avila is a financial advisor with Eagle Strategies (NY Life) in Elk Grove, CA, holding Series 63 and Series 66 licenses and bringing 13 years of industry experience. His prior roles include positions at Edward Jones and Wells Fargo affiliates. Avila is also the owner of A.V. Strategic Wealth Partners, a financial services firm. Eagle Strategies provides financial planning, investment management, and retirement-plan advisory services to a diverse client base, including individual investors and institutional sponsors. The firm offers multiple program types and emphasizes tailored recommendations, managing the majority of its assets on a non-discretionary basis.

Mitchell Fix is a financial advisor with Allworth Financial, L.P. in Sacramento, CA, holding seven years of industry experience. Prior to joining Allworth Financial in 2020, he has worked as a pilot for Delta Air Lines for over 30 years. His role as a pilot is a notable outside activity unrelated to his advisory duties. Allworth Financial is an SEC-registered, fee-based advisory firm serving individuals, qualified retirement plans, trusts, estates, charitable organizations, and corporate clients. The firm offers customized portfolio management using a variety of strategies, including model allocations and options-based overlays, and operates an Airline division focused on airline industry employees.

Karl Petersen is a financial advisor at Allworth Financial, L.P. in Sacramento, CA, with 14 years of industry experience. He holds a Series 65 designation and has previous roles at RAA and Delta Air Lines, where he works as an airline pilot transporting people and cargo internationally. His work as a pilot does not interfere with his advisory responsibilities. Allworth Financial is a fee-based SEC-registered adviser serving individuals, qualified retirement plans, trusts, estates, charitable organizations, and corporate clients. The firm offers customized portfolio strategies, including core-satellite, pure-index, and options-based models, and utilizes technology to manage held-away employer retirement accounts without client login credentials.