Tynessa Lowe is a financial advisor at Robert Baird & Co. with six years of industry experience. She holds the Series 66 designation and has been with Baird since 2020, following seven years at Flyers Energy. She is part of The DDK Group within Robert W. Baird & Co.’s Private Wealth Management practice, which serves individuals, families, pensions, corporations, charitable organizations, and institutional clients. The group provides a range of consulting and portfolio services tailored to client goals, including discretionary and non-discretionary management, separately managed accounts, and complex investment strategies.

Mitchell Satz is a financial advisor with Ameriprise in Lincoln, CA, holding Series 63 and Series 65 licenses and bringing nine years of industry experience. He has been with Ameriprise and its affiliated entities since 2015, including a role at E.K. Riley Investments prior to that. Outside of advising, he serves on the Board of Directors and Finance Committee for Sierra Nevada Swimming. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement who meet certain asset thresholds. The firm combines research, modeling, and tax-efficiency analysis to provide non-discretionary, written recommendations, primarily for clients with assets held in Ameriprise-managed accounts.

Dino Arena is a financial advisor with Raymond James Financial Services Advisors, Inc. in Rocklin, CA, holding Series 63 and Series 66 credentials and bringing 32 years of industry experience. He serves as Chief Compliance Officer at First Tech Federal Credit Union, overseeing compliance for its investment division, Addison Avenue Investment Services, where he is also Compliance Director and Branch Manager. Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and utilizes analytical tools such as risk profiling and probability modeling to support client goals.

Kenneth Catanella is a financial advisor at UBS Financial Services with three years of industry experience. Prior to joining UBS, he worked at Hays Talent Solutions and was employed by the Sacramento Kings Limited Partnership for six years. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm uses proprietary research and model-based asset allocations to tailor financial plans and portfolio management to clients’ goals and risk tolerances.

Kai Sonoyama is a financial advisor at Fidelity with 22 years of industry experience. He holds Series 63 and Series 66 designations and has been associated with multiple Fidelity entities since 2006. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, employing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its use of systematic methodologies, management of fund-of-funds structures, and its role in delivering model portfolios through intermediary platforms.

Alexandar Milovanovich is a financial advisor with Wells Fargo Clearing in Roseville, CA, holding Series 63 and Series 65 credentials and seven years of industry experience. His prior work includes roles at U.S. Bancorp Investments and U.S. Bank. Outside of his advisory duties, he serves as treasurer for the California International School Parent Association. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory approach is IPS-driven and incorporates a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

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.

Kevin Shimmel is a financial advisor with Morgan Stanley in Roseville, CA, holding Series 63 and Series 65 licenses and with 25 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and with Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory role, he is involved with a trust based in Rocklin, California. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning supported by firm-approved tools and analysis from its Global Investment Committee.

Kable Doria is a financial advisor at Ameriprise with 28 years of industry experience. He holds Series 63 and Series 65 designations and has been with Ameriprise since 2009. Outside of his advisory role, he has served as an ethics chair for the Roseville Granite Bay Business Network and occasionally provides expert witness testimony on securities and financial planning matters. Ameriprise offers retirement-income planning services targeted at individuals approaching or in retirement with significant investable assets. The firm delivers non-discretionary, research-driven recommendations through a centralized consulting team and provides a broad range of advisory, brokerage, and insurance solutions.

James Bopp is a financial advisor with Morgan Stanley who holds a Series 66 designation and has 19 years of industry experience. He has been with Morgan Stanley Wealth Management since 2012 and also works with Morgan Stanley Private Bank, National Association 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. The firm emphasizes tailored financial planning supported by structured discovery processes and advanced planning tools.

Matthew Schmitt is a financial advisor with Robert W. Baird & Co. in Roseville, CA, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been with Robert W. Baird & Co. since 2009. He is part of the DDK Group within Robert W. Baird & Co.’s Private Wealth Management practice, which serves individuals, families, pensions, corporations, charitable organizations, and institutional clients. The group offers a range of consulting and portfolio services tailored to client goals and risk tolerances, including discretionary and non-discretionary management, separately managed accounts, and overlay strategies.

Heather Clark is a financial advisor with Cambridge Investment Research Advisors in Roseville, CA, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. She has worked at Cambridge Investment Research since 2009 and previously at Richard Watson from 1996 to 2017. Outside of her advisory role, Clark serves as an assistant coach for the Rocklin Unified School District and is a board member and president of RRUFF, a nonprofit organization. Cambridge Investment Research Advisors is a large SEC-registered firm that serves a diverse client base including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement advisory services through independent Financial Professionals, utilizing a range of portfolio management and model-based solutions tailored to client objectives.

Jennifer Jackson is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 18 years of industry experience. She has worked with Wells Fargo affiliates since 1999, including Wells Fargo Advisors, LLC and Wells Fargo Bank, N.A. Outside of her advisory role, she co-owns an online retail store, Cool Deal, LLC. Wells Fargo Clearing specializes in retirement plan consulting for qualified ERISA and non-qualified deferred compensation plans, providing both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, offering a broad range of investment options including insurance-related vehicles and bank deposit sweep programs.

Sean Gannon is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. He has been associated with Wells Fargo Clearing since 2016 and with Wells Fargo Advisors Financial Network since 2026. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that offers investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services, including cash-flow, retirement, education, risk, and wealth-transfer planning, as well as specialized services such as business-owner transition planning and special-needs analysis.

Mark Atkins is a financial advisor with Primerica Advisors in Shingle Springs, CA, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has been with Primerica Advisors since 1992 and with Primerica Financial Services since 1991. In addition to advising, he is involved in sales of home-related products through affiliated companies, including loan products and home security services. Primerica Advisors offers discretionary asset management primarily through its Lifetime Investment Program, which provides model-delivery strategies and a limited number of separately managed account options to individual and high-net-worth clients. The firm focuses on third-party manager selection and uses a tiered wrap-fee structure rather than fixed fees.

Jose Delgado is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. His prior work includes roles at Tri Counties Bank and JPMorgan Chase. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, as well as registered investment companies. The firm utilizes a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios, and it serves a range of clients through discretionary and non-discretionary advisory services.

Stanley Leong is a financial advisor with Ameriprise in Roseville, CA, holding the CFP®, ChFC®, and Series 66 credentials and has 23 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory work, he is authoring a new book to be sold on Amazon. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets, combining research-driven modeling and tax-efficient strategies to support clients’ income goals.

Steve Cowles is a financial advisor at Edward Jones with 15 years of industry experience. He holds the Series 66 designation and has been with Edward Jones since 2010. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and corporate clients. The firm manages approximately $1.01 trillion in assets through a nationwide network of over 23,700 financial advisors, offering a range of advisory programs, tax-efficient services, and affiliated investment products.

Violetta Terpeluk is a financial advisor with Ameriprise in Roseville, CA, holding a Series 66 designation and bringing 24 years of industry experience. She has been with Ameriprise and its related entities since 2005. Outside of her advisory role, she is the author of a consumer-education book titled *Financial FLOW: The Art of Fulfilling Life and Optimizing Wealth* and is involved in business advisory and consulting through Indigai Business Advisory. Ameriprise Financial Services is a large diversified firm serving individual and institutional clients, known for its Premier Retirement Income service that provides tailored retirement income planning supported by proprietary research and algorithmic tools.

John Landberg is a CFP®-designated financial advisor with Robert W. Baird & Co., where he has worked for 17 years. He has 36 years of industry experience. Outside of advising, he holds a 20% ownership interest in Penryn Park Partners, a land development business. He is part of The DDK Group within Baird’s Private Wealth Management department, which serves high net worth individuals, corporate clients, pensions, and charitable organizations. The firm offers a range of services including financial planning, portfolio management, and custody, utilizing a combination of manager-traded and model-traded strategies alongside tax management and direct indexing.