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.

Tyler Flanigan is a financial advisor at Wells Fargo Clearing with a Series 66 designation and two years of industry experience. His career includes positions at Wells Fargo Bank since 2013 and Charles Schwab from 2011 to 2013. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, 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 supported by research and analytics from Wells Fargo Investment Institute.

Wilson Bean is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and 35 years of industry experience. He has worked with Wells Fargo Advisors LLC from 2009 to 2016 before joining Wells Fargo Clearing in 2016. Outside of his advisory role, he serves as a mountain host at Sugar Bowl Ski Resort in Norden, California. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advice grounded in modern portfolio theory. The firm includes insurance-related vehicles and bank deposit sweep options among its investment offerings and acts as an ERISA fiduciary for its clients.

Wayne Mizuno is a financial advisor at Wells Fargo Clearing with nine years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Wells Fargo Bank, N.A., Wells Fargo Clearing, J.P. Morgan Securities, and Instacart. His career includes roles across both banking and securities firms. 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, participant education, and plan benchmarking. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a range of investment options including insurance-related vehicles and bank deposit sweep programs.

Stuart White is a financial advisor at J.P. Morgan Securities with 16 years of industry experience. He previously worked at Wells Fargo Bank for 13 years before joining J.P. Morgan Securities and JPMorgan Chase Bank, N.A. He is also the owner of an online retail business. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

Jeffrey Ringholm is a Series 66-licensed financial advisor with Ameriprise, based in Lincoln, CA, and has 12 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2013. In addition to his advisory role, Ringholm is involved with Blue Oaks Management, LLC, an Ameriprise Financial franchise. Ameriprise offers a retirement-income planning service targeted at individuals approaching or in retirement who meet certain asset thresholds. The firm provides written recommendation reports using a combination of research, modeling, and tax-efficiency analysis, supported by a centralized consulting team and algorithmic tools to assist financial advisors in delivering tailored retirement strategies.

Carrie Christie is a financial advisor at Morgan Stanley with three years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley Smith Barney LLC since 2018, following ten years at Wells Fargo Advisors. Outside of advising, she owns and manages a rental property business. Morgan Stanley Wealth Management serves individual and institutional clients with a broad range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets. The firm emphasizes structured financial planning supported by firm-approved tools and engages in diverse investment activities, including private funds and principal trading.

Timothy Samodarov is a financial advisor with Primerica Advisors in Folsom, CA, holding Series 63 and Series 65 licenses and two years of industry experience. His prior work includes a decade at Visions in Education and ongoing roles within Primerica Financial Services and Primerica Advisors. Outside of advisory work, he is involved in sales of loan products and home security services through affiliated companies. Primerica Advisors offers discretionary asset management primarily through its Lifetime Investment Program, serving individual and high-net-worth clients with model-based and separately managed account strategies within a wrap-fee structure. The firm utilizes third-party asset managers and delegates trade execution to BNY Mellon Advisors, focusing on curated investment models rather than institutional pension or profit-sharing plan management.

Craig Parker is a financial advisor with Ameriprise in Carmichael, CA, holding Series 63 and Series 65 licenses and bringing 46 years of industry experience. His career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Salomon Smith Barney Inc. since 1995. Ameriprise offers a retirement-income planning service targeted at individuals approaching or in retirement with significant investable assets, providing written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver non-discretionary, algorithm-supported recommendations through a centralized consulting team.

Michael Mccreary Jr. is a CFP® professional with 18 years of experience, currently affiliated with Raymond James Financial. He has worked at Raymond James Financial Services Advisors Inc. and Addison Avenue Investment Services since 2012 and has been associated with First Tech Federal Credit Union since 2014. He is also an associate at Addison Avenue Investment 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 investment consulting, utilizing analytical tools and modeling to support client goals, and it maintains specialized programs such as municipal advisory services and SIMPLE IRA Employer Advisory & Consulting Services.

Amit Jaduram is a financial advisor at Fidelity with 15 years of industry experience. He holds Series 63 and Series 65 credentials and has been associated with various Fidelity entities since 2012. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios and manages assets through both discretionary and non-discretionary strategies.

Colin Simpson is a financial advisor with Ameriprise in Roseville, CA, holding Series 63 and Series 65 credentials and 14 years of industry experience. He previously worked at Wells Fargo Clearing, Wells Fargo Advisors, LLC, and Wells Fargo Bank, NA, accumulating over a decade of experience across these firms. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement with significant investable assets, providing tailored recommendation reports that incorporate tax-smart withdrawal strategies, Social Security options, and income source analysis. The firm employs a centralized consulting team and combines research, modeling, and algorithmic tools to deliver customized retirement income plans.

Nicholas Alafranji is a financial advisor at J.P. Morgan Securities with 16 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities and Jpmorgan Chase Bank, N.A. since 2009, with additional experience managing two private businesses. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a team of Wealth Advisors. The firm combines institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

Patricia Estopinal is a financial advisor with Robert Baird & Co. in Roseville, CA, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. She has been with Robert Baird & Co. since 2012. Outside of her advisory role, she serves as Treasurer for the Girl Scouts Heart of Central California. She is part of The DDK Group within Robert W. Baird & Co.’s Private Wealth Management practice, which advises individuals, families, pension plans, corporations, and institutional clients. The group offers tailored financial planning and portfolio management services that utilize both in-house and third-party managers across a range of investment strategies.

Hunter Lowry is a CFP®-designated financial advisor with eight years of industry experience, currently with Cetera in Roseville, CA. His prior experience includes roles at LPL Financial, NEXT Financial Group, and Waddell & Reed. Outside of his advisory work, he participates in team roping activities. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a multi-manager platform with a range of portfolio management options, including model portfolios, third-party managers, and bespoke strategies, managing over $256 billion in assets.

Brandon Bollengier is a financial advisor at Fidelity with one year of industry experience. He holds a Series 66 designation and previously worked at Intel Corporation. Outside of his advisory role, Brandon provides dog sitting services. Fidelity, through its Strategic Advisers LLC affiliate, offers investment management and advisory services to a diverse client base, utilizing a blend of proprietary research, quantitative analysis, and algorithmic portfolio construction across mutual funds, ETFs, and ETPs.

Matthew Haughton is a financial advisor at Merrill with seven years of industry experience. He holds Series 63 and Series 66 licenses and has previous experience at Bank of America, Wells Fargo Clearing Services, and Wells Fargo Bank. 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 for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Colleen Langs is a financial advisor with Morgan Stanley in Roseville, CA, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. She has worked at Morgan Stanley Private Bank, National Association since 2015 and with Morgan Stanley Smith Barney since 2012. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a broad range of advisory programs and tailored financial planning services supported by structured planning tools and firm-approved methodologies.

Kathryn Christensen is a financial advisor with OSAIC in Roseville, CA, holding Series 63 and Series 65 licenses and 17 years of industry experience. She previously worked at Securities America Advisors and Securities America Inc from 2016 to 2024. Christensen also holds a California insurance license for health, accident, and annuities, although she does not currently sell insurance. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and investment advisory services, financial planning, and access to third-party money managers and wrap programs. The firm employs various asset-allocation tools and supports both discretionary and non-discretionary portfolio management across multiple investment types.

Steven Lease is a financial advisor with Morgan Stanley in Roseville, CA, holding a Series 66 designation and possessing 16 years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2010, including Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a variety of advisory programs to both individual and institutional clients. The firm’s financial planning emphasizes structured discovery and utilizes proprietary tools and modeling techniques, serving approximately $2.74 trillion in client assets.