Brenda Upton is a Certified Financial Planner® at Allworth Financial, L.P. in Folsom, CA, with ten years of industry experience. She previously worked at Ryan Wealth Management from 2015 to 2024 before joining Allworth Financial. Allworth Financial serves individual and high-net-worth investors, pension plans, trusts, corporations, and charitable organizations, providing financial planning, portfolio management, retirement plan consulting, and educational resources. The firm employs both quantitative and qualitative analysis through an Investment Committee to offer customized investment strategies across a variety of asset classes and specialist portfolios.

Patrick Henry is a CFP® with 37 years of industry experience, currently serving at Allworth Financial, L.P. He has held roles at Hanson McClain and AW Securities, among others. He is president of the Valley Hi Country Club Board of Directors, overseeing its strategic and financial operations. Allworth Financial serves a diverse client base including individual and high-net-worth investors, pension plans, trusts, corporations, and charitable organizations. The firm offers financial planning, portfolio management, retirement plan consulting, and education through multiple channels, employing a combination of quantitative and qualitative investment strategies.

Mario Farfan is a financial advisor at Citigroup Global Markets with 21 years of industry experience. He holds Series 63 and Series 66 designations and has been with Citigroup since 2015. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs and execution services. The firm specializes in multi-asset, multi-manager strategies and maintains significant institutional capabilities, including in-house research and the ability to provide derivatives and futures services.

Brian Bain is a financial advisor with Valic Financial Advisors in Roseville, CA, holding a Series 66 designation and bringing 20 years of industry experience. He has been with Valic Financial Advisors since 2006 and also has a role as an agent with Agia, focusing on non-securities insurance products. Valic Financial Advisors serves primarily U.S. individuals, including high net worth and ultra-high net worth clients, as well as employer-sponsored retirement participants. The firm offers portfolio management, financial planning, and consulting services through a large network of advisors, utilizing discretionary unified managed accounts and overlay services on the Envestnet platform.

Mark Crissman is a financial advisor at Allworth Financial, L.P. with nine years of industry experience. He has worked at Allworth Financial since 2020 and is also a pilot for United Airlines. Allworth Financial serves a diverse client base, including individual and high-net-worth investors, pension plans, trusts, corporations, and charitable organizations. The firm offers financial planning, portfolio management, retirement plan consulting, and education through various channels, using a combination of quantitative and qualitative analysis to implement customized investment strategies.

Danny Valenzuela is a financial advisor with Allworth Financial, L.P. in Folsom, CA, holding Series 63 and Series 65 credentials and having 14 years of industry experience. His career includes roles at Prudential Investment Management Services LLC and Principal Financial. Allworth Financial serves a broad client base including individual investors, pension plans, trusts, corporations, and charitable organizations. The firm offers financial planning, portfolio management, retirement plan consulting, and manages privately offered funds using a combination of quantitative and qualitative investment strategies.

Patrick Harney is a financial advisor with Allworth Financial, L.P. in Sacramento, CA. He holds a Series 63 designation and has seven years of industry experience, including two years with RAA prior to joining Allworth Financial. Outside of his financial career, he is also an airline pilot for Delta Air Lines. Allworth Financial serves a diverse client base, providing financial and wealth planning, portfolio management, retirement plan consulting, and variable annuity sub-account servicing. The firm employs a combination of quantitative and qualitative analysis to offer customized investment strategies across various asset classes and manages both wrap and non-wrap programs.

John German is a financial advisor at Allworth Financial, L.P. in Sacramento, CA, with 30 years of industry experience. He worked at RAA for 26 years before joining Allworth Financial in 2020. Allworth Financial serves a diverse client base, including individuals, high-net-worth investors, pension plans, trusts, corporations, and charitable organizations. The firm offers financial planning, discretionary and non-discretionary portfolio management, and retirement plan consulting, utilizing a combination of quantitative and qualitative analysis to implement customized investment strategies.

Kimberly Foss is a CFP® with 36 years of industry experience, currently serving as a financial advisor at Mercer Global Advisors Inc. since 2023. She previously worked for Empyrion Wealth Management Inc. for 20 years. Mercer Global Advisors serves individuals, families, small business owners, plan sponsors, foundations, non-profits, and endowments, offering discretionary and non-discretionary investment advisory services along with financial, tax, retirement, estate planning, and family office services. The firm’s investment approach is based on Modern Portfolio Theory with globally diversified, risk-appropriate portfolios implemented using low-cost ETFs, index funds, separate account managers, and other investment vehicles.

Kyle Felske is a financial advisor with Hightower Advisors in Folsom, CA, holding Series 63 and Series 66 licenses and 13 years of industry experience. He has worked with Hightower Advisors and Hightower Securities since 2017, with prior experience at Loring Ward Securities and Scottrade, Inc. Hightower Advisors offers investment advisory and planning services to a diverse range of individual and institutional clients. The firm’s approach includes discretionary and non-discretionary portfolio management, financial planning, and access to pooled vehicles and private funds, emphasizing manager selection and multi-manager solutions through affiliated and third-party managers.

Hugh Phillips is a CFP® with 38 years of industry experience. He is currently with Allworth Financial, L.P. and has previously worked at Hanson McClain Advisors, Securities America Advisors, Inc., and in insurance sales. Allworth Financial serves a diverse client base including individuals, high-net-worth investors, and institutional clients, offering financial planning, portfolio management, and retirement consulting. The firm employs a combination of quantitative and qualitative analysis to create customized investment strategies and also operates private funds and educational programs.

Victoria Jopson is a Series 66-licensed financial advisor with Valic Financial Advisors, based in Roseville, CA, and has seven years of industry experience. She has been with Valic Financial Advisors since 2008 and also holds a position with Agia related to non-securities insurance products. 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.

Camille Butterfield is a financial advisor with AE Wealth Management, LLC, holding a Series 65 credential and six years of industry experience. She has worked with Monolith Wealth Advisors, Inc. and Afea, and holds leadership roles including chapter president of a nonprofit that provides educational workshops. Additionally, she facilitates access to estate planning document services for clients. AE Wealth Management serves a diverse client base including individuals, corporations, trusts, and ERISA plan sponsors, offering fee-based portfolio management, financial planning, and retirement-plan consulting. The firm emphasizes model portfolio and direct asset management programs supported by fundamental, technical, and cyclical investment approaches.

Erick Hoyer is a financial advisor at Creative Planning with 31 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Charles Schwab & Co and Edward Jones. Outside of his advisory role, he owns a rental property in Kings Beach, California. Creative Planning provides investment advisory and financial planning services to a diverse client base, including individuals, corporations, foundations, and retirement plans. The firm manages approximately $217 billion in assets and employs a financial planning–led investment approach that incorporates low-cost indexing, buy-and-hold strategies, and supplemental techniques such as direct indexing and tax-loss harvesting.

Lee Sorcinelli is a financial advisor at Allworth Financial, L.P. with two years of industry experience. Prior to joining Allworth, he worked at Retirement Advisors of America for two years and spent ten years at Sun City West Dental. Allworth Financial serves a diverse client base, including individuals, high-net-worth investors, pension plans, trusts, corporations, and charitable organizations. The firm offers financial and wealth planning, portfolio management, retirement plan consulting, and educational resources, employing a blend of quantitative and qualitative analysis to implement customized investment strategies.

Kathleen Carpenter is a CFP® with 34 years of industry experience. She is currently with Allworth Financial, L.P., where she has worked since 2022, following 18 years at LPL Financial and six years at Transamerica Financial Advisors. Outside of her advisory role, she has a minor involvement with a non-variable insurance business in Chico, California. Allworth Financial serves a broad client base including individuals, trusts, and charitable organizations, offering comprehensive financial planning and portfolio management. The firm employs a combination of quantitative and qualitative analysis to create customized investment strategies and provides education through various media.

Jason Ezzell is a financial advisor with Hightower Advisors, holding a Series 66 designation and 26 years of industry experience. He has worked at Merrill Lynch since 1999 and Bank of America since 2011, joining Hightower Advisors in 2014. Outside of his advisory work, he operates a vehicle rental on the Turo car sharing app in Oahu, Hawaii. Hightower Advisors provides investment advisory and planning services to a diverse client base, including individuals, institutions, pension plans, and charitable organizations. The firm emphasizes multi-manager solutions and manager selection, offering access to various investment vehicles and proprietary research through its network of advisor practices.

Bret Butcher is a financial advisor at Allworth Financial, L.P. with 16 years of industry experience. He holds the Series 66 designation and has worked at several firms, including YellowBrickRoad Financial Advisors, The Kocen Financial Group, and Edward Jones. He has been with Allworth Financial since 2019. Allworth Financial serves individual and high-net-worth investors, pension and profit-sharing plans, trusts, corporations, and charitable organizations. The firm provides financial and wealth planning, portfolio management, qualified retirement plan consulting, and variable annuity sub-account servicing, using a combination of quantitative and qualitative analysis to implement customized investment strategies.

Herman Doughty V is a financial advisor with Allworth Financial, L.P., holding a Series 66 credential and 16 years of industry experience. He has been with Allworth Financial since 2011 and has also worked with AW Securities since 2005. Allworth Financial serves a diverse client base including individuals, high-net-worth investors, pension plans, trusts, corporations, and charitable organizations. The firm offers financial planning, portfolio management, retirement plan consulting, and variable annuity servicing, utilizing a combination of quantitative and qualitative analysis to provide customized investment strategies across various asset types.

Nicholas Naccarato is a financial advisor at Foundations Investment Advisors LLC with a Series 65 credential. He has been with the firm since 2025 and has no prior industry experience. His work history includes roles at Capitol Planning Group and educational positions at Chapman University, University of San Francisco, and Sage Creek High School. Foundations Investment Advisors, LLC provides financial planning and portfolio management to a diverse client base, including individuals, high-net-worth clients, employer-sponsored retirement plans, and registered investment companies. The firm uses a combination of fundamental, technical, and cyclical analysis, offering tailored advice through confidential client profiles and employing model portfolios with an asymmetric rebalancing strategy.