Scott Collard is a financial advisor with Morgan Stanley in Sacramento, CA, holding Series 63 and Series 66 licenses and bringing nine years of industry experience. He has been with Morgan Stanley since 2016 and previously worked as a self-employed advisor for over three decades. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning facilitated by firm‑approved tools and analysis methods. The firm manages approximately $2.74 trillion in client assets and offers its services both directly and through corporate financial planning agreements.

Owen Munsill is a Financial Consultant at Fidelity Investments, a position he has held since 2022. He has been working in the financial industry for more than a decade, with previous roles including Investment Consultant and Relationship Manager at Fidelity Investments, Premier Banker at Wells Fargo, Relationship Banker at Chase Bank, Financial Advisor at Edward Jones, Senior Relationship Banker at Union Bank, and Business Banking Specialist at Wells Fargo. Throughout his career, Owen has focused on collaborating with clients to create personalized financial plans that reflect their unique goals and values. His approach involves identifying strategies tailored to align with the specific circumstances and purposes of each client. Owen holds a California Insurance License.

Derek Van Dyke is a Series 66-credentialed financial advisor with one year of industry experience, currently affiliated with Cambridge Investment Research Advisors. His prior work includes roles at Cantella & Co., Inc., Door Dash Inc., and California State University Stanislaus. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension plans, charitable organizations, and trusts. The firm provides financial planning, investment management, and retirement plan advisory through independent Financial Professionals using various custody platforms and both discretionary and non-discretionary strategies.

Colin Fajardo is a financial advisor at Wells Fargo Clearing with 16 years of industry experience. He holds a Series 66 designation and has been with Wells Fargo in various capacities since 2004, including roles at Wells Fargo Advisors LLC and Wells Fargo Bank, 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.

Wesley Mar is a financial advisor with LPL Financial in Sacramento, CA, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. He has been with LPL Financial since 2006. Outside of his advisory role, he is involved in coaching and umpiring high school and youth baseball games. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients including individuals, retirement plans, banks, and charitable organizations through a national network of investment adviser representatives. The firm offers financial planning, various advisory programs, and retirement plan consulting, with access to model portfolios and research from multiple sources.

Jordan Gillming is a Financial Consultant at Fidelity Investments, where he partners with individuals and families to develop personalized financial plans aimed at achieving their specific goals. He emphasizes building lasting relationships and fostering a collaborative environment to ensure clear understanding and teamwork throughout the financial planning process. Jordan has been with Fidelity Investments since 2017, holding various roles including Investment Consultant, Fixed Income Specialist, and Investment Solutions Representative. Prior to joining Fidelity, he worked as an Investment Professional at The Vanguard Group from 2014 to 2017. He holds a California Insurance License. Outside of his professional work, Jordan enjoys fishing, football, hiking, outdoor adventures, and volunteering.

Rodolfo De La Riva is a financial advisor at Wells Fargo Clearing with 18 years of industry experience. He holds a Series 66 designation and has worked at Wells Fargo Clearing since 2016, following five years at Wells Fargo Advisors LLC and a long tenure with Wells Fargo Bank, N.A. In addition to his advisory role, he works part-time as a cashier at Chevron Stations Inc. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, offering both discretionary and non-discretionary services tailored to plan objectives and risk tolerances.

Jacob Basford is a financial advisor at Cetera with five years of industry experience and holds the Series 66 designation. His prior roles include positions at GuideSpring Wealth Strategies and First Allied Securities, Inc. Additionally, he is licensed as an insurance agent selling fixed insurance products. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts, offering a multi-manager platform with various portfolio management and financial planning services.

Veronica Schreiver is Vice President and Financial Consultant at Fidelity Investments, a position she has held since 2013. She brings over 20 years of experience in finance, including 18 years with Fidelity, to assist her clients in working toward their financial goals. Veronica meets with clients regularly, typically one to two times a year or more following significant financial events, to provide personalized financial plans and conduct scheduled reviews of investments and strategies to align with clients' objectives. Her professional experience includes various roles at Fidelity Investments from 2007 to the present, progressing from Financial Representative to Vice President and Financial Consultant. Prior to joining Fidelity, Veronica held positions at Etrade from 1999 to 2006, including Power ETRADE Lead and Manager, and served as a Bank Operations Manager at Bank of New Hampshire from 1993 to 1999. She holds a California Insurance License. Outside of her professional career, Veronica enjoys activities such as barre, family activities, hiking, outdoor adventures, spending time with pets, and traveling.

David Ambrose is a CFA® charterholder with eight years of industry experience. He is currently with Wells Fargo Clearing and previously worked at Bank of America, Merrill, PetDesk, ValTea, Digital Operative Inc, and San Diego State University. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Peter Gillespie is a financial advisor with LPL Financial in Sacramento, CA, holding a Series 66 designation and 25 years of industry experience. He has been with LPL Financial since 2011. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers various advisory programs, financial planning, and retirement plan consulting with both discretionary and non-discretionary management options.

Daniel Paden is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 11 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC and Wells Fargo Bank NA. Outside of his advisory role, he serves as an assistant basketball coach for the Buckeye School District in El Dorado Hills, CA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. Their approach is IPS-driven and includes a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Tonya Hernandez is a Series 66-licensed financial advisor with Wells Fargo Clearing in Sacramento, CA. She has one year of industry experience and has held previous roles at Edward Jones, Oracle Corporation, and Wells Fargo Bank. Hernandez is also involved with Algo Bueno LLC outside of her advisory work. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research and analytics from Wells Fargo Investment Institute.

Leonora Chryssafis Bitas is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. She previously worked at Wells Fargo Advisors, Fidelity Investments, and Bank of America/Merrill Lynch. She holds Series 63 and Series 66 licenses and is based in Sacramento, CA. 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 strategies.

Kenneth Peters is a financial advisor with Wells Fargo Advisors in Sacramento, CA, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has been with Wells Fargo Advisors and its affiliated entities since 2011. Outside of his advisory role, he owns and operates The JackEmma Group LLC, doing business as The Peters Group LLC. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides a broad range of investment and financial planning services to individuals, trusts, and institutional clients. The firm offers tailored planning across areas such as retirement, education, risk management, and specialized services including business-owner transition and special-needs planning.

Ireneo Abot III is a financial advisor with Wells Fargo Clearing in Folsom, CA, holding Series 63 and Series 65 licenses and possessing 12 years of industry experience. He has worked with Wells Fargo Clearing since 2016 and held prior roles at Wells Fargo Advisors LLC and Wells Fargo Bank NA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services grounded in modern portfolio theory. The firm’s approach includes a broad range of financial products such as insurance-related vehicles and bank deposit sweep options, and it acts as an ERISA fiduciary when providing investment advice.

Kyle Monahan is a financial advisor at LPL Financial with eight years of industry experience. He holds the Series 66 designation and has worked with LPL Financial since 2018, as well as Golden 1 Credit Union since 2016. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services through a national network of investment adviser representatives.

Benny Vallejo is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. He holds Series 63 and Series 66 licenses and has been with various J.P. Morgan entities since 2016. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Joseph Hinojos is a financial advisor with Ameriprise in West Sacramento, CA, holding a Series 66 designation and 19 years of industry experience. He has been with Ameriprise and its affiliated entities since 2006. Outside of his advisory role, he is involved in real estate ownership unrelated to investment activities. Ameriprise provides retirement-income planning services aimed at individuals nearing or in retirement with substantial investable assets. The firm delivers tailored, non-discretionary recommendations through a centralized consulting team, combining research, modeling, and tax-efficiency analysis as part of its comprehensive advisory and brokerage solutions.

Randall Nishimi is a financial advisor with Cetera who holds a Series 63 designation and has 42 years of industry experience. He has been associated with Cetera Wealth Services, LLC since 2013 and with Rodda & Nishimi, Inc. since 1983, where he serves as vice president and secretary-treasurer. Cetera Investment Advisers LLC is a nationwide SEC-registered advisor serving individual, retirement plan, corporate, charitable, and institutional clients through a large network of over 10,000 advisors. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform with various program structures and custodial relationships.