John Consulo is a Series 66 licensed financial advisor with LPL Financial in Sacramento, CA. He has two years of industry experience and has worked with LPL Financial for five years. Prior to his advisory career, he held positions at Monk's Cellar and Sushi Mon and spent four years in full-time education. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by research from LPL Research and third-party subadvisors.

Pamela Budenbender is a financial advisor with Ameriprise in Fair Oaks, CA, holding a Series 63 designation and 37 years of industry experience. She has been with Ameriprise and its affiliate since 2005. Outside of her advisory role, she operates a tax preparation business. Ameriprise is a large institutional firm that offers retirement-income planning services for clients nearing or in retirement, combining research, modeling, and tax-efficient strategies to deliver customized recommendations.

Benjamin Goldhammer is a Series 66-licensed financial advisor with J.P. Morgan Securities, based in Sacramento, CA. He has 23 years of industry experience and has worked with J.P. Morgan Securities since 2012, including roles at JPMorgan Chase Bank, NA. From 2018 to 2022, he was co-owner of Auhammer, LLC. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice and customized performance reporting alongside affiliated brokerage and investment management capabilities.

Christopher Polacek is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2020. He has been with Fidelity Investments since 2013, progressing through roles including Financial Consultant, Investment Consultant, Relationship Manager, and Financial Representative. His work focuses on helping high net worth clients develop comprehensive financial plans to navigate various market conditions. Christopher holds a California Insurance License, supporting his ability to provide diverse financial advice. His professional approach centers on wealth planning and addressing complex financial situations. Outside of his professional responsibilities, Christopher engages in family activities, fitness, golf, movies, spending time with pets, and traveling.

David Nelson is a financial advisor at Wells Fargo Clearing in El Dorado Hills, CA, holding a Series 66 designation with eight years of industry experience. He has been with Wells Fargo Clearing since 2018 and previously worked at Wells Fargo Advisors, LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary solutions. The firm’s advisory process is driven by investment policy statements and modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options in its investment menus.

Rehmat Amin is a Financial Advisor with Merrill Lynch Wealth Management. In this role, Rehmat assists clients in building financial futures by developing and implementing personalized financial plans aimed at helping them achieve their goals. Rehmat’s expertise encompasses areas such as college education planning, family wealth management strategies, managing new wealth, small business strategies, tax minimization, and retirement income. Rehmat holds professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Rehmat earned a Bachelor's Degree from Rochester Institute of Technology, a Medical Doctorate from Ross University, and an MBA from Georgetown University. Rehmat communicates in English and Spanish.

Ricardo Aguilera is a financial advisor at Edward Jones in Folsom, CA, holding the ChFC® designation and Series 66 license with 13 years of industry experience. He has been with Edward Jones since 2012. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of advisory programs and investment options, managing approximately $1.01 trillion in assets through a large national network of advisors and branch offices.

Amanda Picard is a financial advisor at Charles Schwab with 12 years of industry experience. She holds the Series 63 and Series 66 designations. Her prior work history includes roles at TD Ameritrade Investment Management, TD Ameritrade, and Scottrade. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a mix of non-discretionary and discretionary investment options using multi-asset model portfolios and provides centralized supervisory, custody, and order-routing services.

Katie Gilbeau is a financial advisor with Edward Jones in Elk Grove, CA, holding a Series 66 designation and 14 years of industry experience. She has been with Edward Jones since 2012. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management and offers a range of advisory programs and investment options, operating under a fiduciary standard.

Michael Mistretta is a financial advisor at Cetera with 17 years of industry experience and holds the Series 66 designation. He also serves as president of MMRS Accountancy Corporation, a CPA firm providing accounting and tax services, and engages in business consulting and property management through Mistretta Management, LLC. Cetera Investment Advisers LLC is an SEC-registered advisory firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a range of portfolio management and financial planning services, supporting both discretionary and non-discretionary account structures.

Joel Gourdin is a financial advisor with LPL Financial, holding Series 65 and Series 66 credentials and bringing 13 years of industry experience. His prior roles include positions at Principal Funds Distributor, Inc. and Mariner Independent Advisor Network, LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad client base including individuals, retirement plans, banks, and corporations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, utilizing model portfolios, third-party subadvisors, and proprietary research to support diversified investment strategies.

Erin Drennon is a financial advisor at Edward Jones with seven years of industry experience. She holds a Series 66 designation and has been with Edward Jones since 2018. Prior to joining Edward Jones, she spent ten years at Enterprise Holdings Inc. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a wide range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

Aaron Braun is a Planning Consultant at Fidelity Investments. In this role, he works directly with clients to help them define and pursue their life goals, aiming to foster confidence in their financial futures. Prior to his current position, Aaron served as a Relationship Manager at Fidelity Investments from 2024 to 2025 and as a Financial Representative from 2023 to 2024. He holds a California Insurance License. Outside of his professional work, Aaron enjoys family activities, football, hiking, outdoor adventures, parenthood, and running.

Meliah Bird is a financial advisor with Morgan Stanley in Folsom, CA, holding a Series 66 license and 11 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2010. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and offers services that utilize structured planning tools and modeling techniques.

Julie Overton is a financial advisor at Morgan Stanley with 25 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009 and holds Series 63 and Series 65 credentials. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs and financial planning services, utilizing structured planning tools and modeling techniques to support client goals.

Dalton Wilson is a financial advisor with Ameriprise in El Dorado Hills, CA, holding Series 65 and Series 63 licenses and having five years of industry experience. His prior roles include positions at Woodbury Financial Services, Capitol Wealth Management, and Carlson & Work, LLC. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement income planning focused on dependable income sources and tax-aware withdrawal strategies.

Neil Richards is a financial advisor with Osaic, holding Series 63 and Series 65 licenses and 12 years of industry experience. He has previously worked at Lincoln Financial Advisors, Inc., Wells Fargo Clearing, Wells Fargo Advisors LLC, and Wells Fargo Bank NA. In addition to his advisory role, Richards serves as an insurance agent offering fixed insurance products, including fixed annuities and various types of health and life insurance. Osaic Wealth, Inc. serves a diverse client base, including individual, high-net-worth, institutional, and charitable clients, providing integrated brokerage and advisory services across multiple platforms. The firm employs asset-allocation tools, risk-tolerance assessments, and automated rebalancing to manage portfolios consisting of stocks, bonds, mutual funds, ETFs, and alternative investments.

Samuel Sherman is a financial advisor at Charles Schwab with 12 years of industry experience. He holds a Series 66 designation and has held positions at several major firms, including Merrill, TD Ameritrade, Bank of America, and Wells Fargo. Sherman is currently based in Roseville, CA. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of non-discretionary and discretionary investment management and financial planning services supported by a large integrated platform.

Glen Cheron is a financial advisor with Cetera and holds Series 63 and Series 65 credentials. He has 32 years of industry experience and has worked with Cetera and Financial Network Wealth Advisors LLC since 2013 and 2018, respectively. Outside of advisory roles, Cheron serves on the board of directors for Point West Rotary and participates in local homeowners association committees, including budget and long-range planning. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base that includes individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management, financial planning, and consulting services through a multi-manager platform that features discretionary and non-discretionary options, model portfolios, and access to third-party money managers.

Lawrence Lonski is a financial advisor at OSAIC with 32 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at Woodbury Financial Services and Independent Financial Group. Outside of advising, he is president of Lonski Pet Rescue, a nonprofit dedicated to rescuing hybrid wolf dogs and homeless or neglected cats. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and advisory services alongside financial planning and retirement plan consulting. The firm utilizes various tools and third-party platforms to construct diversified portfolios tailored to clients’ risk tolerance and investment restrictions.