Mark Stevenson is a financial advisor at Morgan Stanley with eight years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at firms including Fidelity Investments, Wells Fargo, and J.P. Morgan Securities. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured tools and models client outcomes but does not provide individual security recommendations as part of standalone plans.

Daniel Currywood is a financial advisor with Merrill in Davis, CA, holding a Series 66 designation and nine years of industry experience. He has been affiliated with Bank of America and Merrill since 2007. Outside of his advisory role, he assists with financial and capital management tasks for a small family-owned floral business. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Michael Lewis is a financial advisor with Cambridge Investment Research Advisors in Sacramento, CA, holding a Series 66 designation and 39 years of industry experience. He has been with Cambridge since 2008 and also works as an independent insurance agent and tax preparer. Additionally, Lewis is the owner of North Star Financial Partners and serves as an advisory representative for a registered investment adviser. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through independent professionals, utilizing a variety of direct portfolio management and model-based solutions across multiple custody platforms.

Larry Pearl is a financial advisor at Ameriprise with nine years of industry experience. He holds the Series 66 designation and has worked previously at Mass Mutual Investors Services and Massachusetts Mutual Life Insurance Company, as well as at Waddell & Reed, Inc. and various insurance carriers. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement who meet certain asset criteria, providing detailed recommendation reports on income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to deliver tailored, non-discretionary advice through a centralized consulting team.

Michael Niehaus is a financial advisor at Merrill with a Series 66 credential and three years of industry experience. He previously worked at Franklin Templeton Investments and took a year for extended travel. Outside of finance, he is a founding member of a music and entertainment group called Tomb of Minerva, where he contributes as a bass guitarist, vocalist, and lyricist. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions.

Brittney Cicchetti is a financial advisor at Wells Fargo Clearing with 10 years of industry experience. She holds a Series 66 designation and has worked at Wells Fargo Clearing since 2022, following seven years at Bank of America, N.A. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Jeffrey Gordon is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and bringing 32 years of industry experience. He worked at J.P. Morgan Securities for six years before joining Wells Fargo Advisors LLC in 2018. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm uses research and analytics to evaluate investment options, offering both brokerage and advisory solutions through a large network of financial advisors.

Arun Sharma is a financial advisor with Merrill in Sacramento, CA, holding a Series 66 designation and one year of industry experience. His prior experience includes roles at Bank of America, Walgreens Boots Alliance, ICICI Lombard GIC Ltd, and Bharti AXA GIC Ltd. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to Bank of America fiduciary clients, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Josefina Arellano is a Series 66 licensed financial advisor with Morgan Stanley in Sacramento, CA, where she has worked since 2009. She has 20 years of experience in the financial industry. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves both individual and institutional clients. The firm offers a variety of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets.

Bobby Dalton Roy is a financial advisor with Primerica Advisors in Sacramento, CA, holding Series 63 and Series 65 licenses and 13 years of industry experience. He has been with Primerica Advisors since 2013 and has a background that includes over 20 years with the California Department of Education. Outside of advisory services, he is involved in the sale of home security and automation products through affiliated companies. Primerica Advisors offers discretionary asset management primarily through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed account options. The firm curates third-party asset managers and uses a tiered wrap fee structure, emphasizing ongoing oversight and disclosure to manage potential conflicts.

Hope Bennett Brown is a Series 66 licensed financial advisor with six years of industry experience. She has been with Merrill and Bank of America N.A. since 2021 and previously worked at Equitable Advisors and Axa Advisors. Before her financial services career, she held positions at Black Angus Steak House, Dutch Bros Coffee, and Butte College. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations. The firm employs various portfolio implementation approaches, including tactical asset allocation and tax-aware strategies, supported by Bank of America’s cash sweep and custody services.

Durron Bell is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and eight years of industry experience. He has been with Wells Fargo Clearing Services LLC since 2017 and has a longer tenure at Wells Fargo Bank NA dating back to 2010. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable breadth of investment options that include insurance-related vehicles and bank deposit sweep programs.

Ruben Gonzalez is a financial advisor with Raymond James & Associates in Sacramento, CA, holding a Series 66 designation and five years of industry experience. His prior roles include positions at JPMorgan Securities LLC, Franklin Templeton, and State Street. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Joshua Dewitt is a financial advisor at Wells Fargo Clearing with 12 years of industry experience. He holds Series 63 and Series 65 designations and has been with Wells Fargo-related entities since 2010, including Wells Fargo Advisors LLC and Wells Fargo Bank NA. Outside of his advisory role, he serves as a co-trustee managing a family trust. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s investment approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Jack Wolger is a financial advisor at Edward Jones in Sacramento, CA, holding a Series 66 designation with three years of industry experience. His prior roles include positions at Berkeley Innovation Group and Bloom Energy. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, with approximately $1.01 trillion in assets under management. The firm offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Jessica Williams is a financial advisor at Morgan Stanley with 24 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2009 and holds the Series 66 designation. Outside of her advisory role, she is involved in managing rental properties in Sacramento, California, and Meridian, Idaho. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers tailored financial planning and manages approximately $2.74 trillion in client assets, using structured planning tools and a range of advisory programs.

Joczan Chavez is a financial advisor at LPL Financial with nine years of industry experience. He previously worked at JP Morgan Securities LLC and has been associated with The Golden 1 Credit Union since 2016. He holds Series 63 and Series 66 designations and is also a California notary. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and management solutions, including model portfolios, third-party asset management, and institutional platforms.

Scott Matter is a CFP® professional with 11 years of industry experience, currently serving as a financial advisor with Edward Jones since 2015. Outside of his advisory role, he is a minority shareholder and member of the board of directors at Holder Mattress Co., Inc., a home furnishings manufacturing and retail business. Edward Jones is a full-service wealth management firm that serves individual and institutional clients across a broad spectrum, offering discretionary and non-discretionary investment strategies alongside affiliated mutual funds and a proprietary money market fund. The firm supports its clients with a large nationwide network of financial advisors and branch offices and operates under a fiduciary standard when providing advisory services.

Michael Baril is the Vice President Private Wealth Management Advisor. He provides strategic planning and consulting on complex wealth planning topics, focusing on helping clients integrate their workplace benefits with their personal financial goals to pursue financial wellness. He places importance on understanding his clients, their families, and all aspects of their lives. Michael has held various roles in the financial industry, including Vice President, Executive Planning Consultant at Fidelity Investments since 2018. He has previously worked as a Senior Wealth Advisor at Reilly Financial Advisors (2017-2018), Wealth Manager at USAA Wealth Management (2011-2016), Vice President, Wealth Advisor at J.P. Morgan Chase (2009-2011), Financial Advisor at Morgan Stanley (2008-2009), Vice President at Bear Stearns & Co. (2006-2007), Associate at J.P. Morgan (2003-2006), Financial Consultant at Merrill Lynch (2000-2002), Trader at Ameritrade (1999-2000), Financial Advisor at Equitable (1998-1999), and Trader at Fidelity Investments (1997). He holds a California Insurance License.

Jennifer Ward is a financial advisor with Edward Jones in Woodland, CA, holding a Series 66 designation and 11 years of industry experience. She has been with Edward Jones since 2015. 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 supported by a large network of financial advisors and branch offices across the United States.