Allison Crescione is a financial advisor at Fidelity with six years of industry experience. She holds the Series 66 designation and has worked at LPL Financial and Ameriprise Financial Services, Inc. Before her career in financial services, she was involved with Fiore Fantastico Designs for 17 years. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to a diverse client base, including retail and institutional investors, registered investment companies, and a Charitable Gift Fund. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage multi-manager and fund-of-funds structures, delivering model portfolios to intermediary platforms.

Todd Bruns is a financial advisor at Edward Jones with 29 years of industry experience. He holds Series 63 and Series 65 designations and has been with Edward Jones since 2003. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of discretionary and non-discretionary investment strategies, along with affiliated mutual funds and tax-efficient services, supporting clients under a fiduciary standard.

Benjamin Young is a financial advisor at LPL Financial with 20 years of industry experience. He previously worked at Securities America Advisors and Securities America, Inc. for over a decade. In addition to his advisory role, he is involved in tax preparation and accounting through a related business activity. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides a range of services including financial planning, model portfolio programs, third-party asset management, and retirement advice. The firm supports a large network of advisors and offers a variety of investment strategies alongside non-advisory financial services.

Maximilian Callaghan is a financial advisor with Edward Jones in Cameron Park, CA, holding Series 63 and Series 66 designations and possessing 32 years of industry experience. He has been with Edward D. Jones & Co., L.P. since 1993. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a broad range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and operates through a nationwide network of financial advisors and branch offices.

Katie Cronin is a Financial Consultant at Fidelity Investments, a position she has held since 2022. Prior to this role, she worked as an Investment Consultant at Fidelity Investments from 2021 to 2022, and she was an Internal Wholesaler at Franklin Templeton from 2012 to 2021. In her current role, Katie focuses on building trusted relationships with clients and their families, working to understand each client's unique financial situation and collaborating to develop customized financial plans that meet their needs. Katie holds a California Insurance License, which supports her work in providing comprehensive financial consultancy services. Outside of her professional duties, she has personal interests that include cooking and baking, gardening, parenthood, caring for pets, reading, and snowboarding.

Richard Ayala is a financial advisor at Wells Fargo Clearing with 31 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Wells Fargo Clearing since 2016, previously working at Wells Fargo Advisors LLC from 2011 to 2016. 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. The firm’s approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Michael Blair is a CFP® and Series 66-registered advisor with Edward Jones in Granite Bay, CA, where he has worked since 2020. He has five years of industry experience and previously worked at the California Dental Association and Mann, Urrutia, Nelson, CPAs & Associates LLP. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, supported by a nationwide network of over 23,700 financial advisors and $1.01 trillion in assets under management.

Ronald Mammen is a CFP® with 53 years of industry experience and is currently affiliated with Cetera. He has been with Cetera Wealth Services, LLC since 2013 and now works at Cetera. He is the owner and president of Mammen Financial Services Inc., where he oversees corporate responsibilities and produces an informational newsletter. Cetera Investment Advisers LLC is an SEC-registered adviser that serves a broad range of clients, including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers discretionary and non-discretionary portfolio management, financial planning, and access to third-party managers through a multi-manager platform.

Kevin Martin is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 66 licenses and bringing 32 years of industry experience. He previously worked for Cantella & Co., Inc. for 28 years before joining Cambridge in 2022. Outside of his advisory role, he is involved with Alpine Wildfire Service, where he has been active since 1987. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, pension plans, charitable organizations, and trusts. The firm offers comprehensive financial planning and investment management services through a broad network of independent professionals, utilizing both proprietary and third-party strategies tailored to client objectives.

Anthony Lombardi is a financial advisor with LPL Financial, holding a Series 66 designation and bringing 12 years of industry experience. He has been with LPL since 2014 and also has a longstanding role at Golden 1 Credit Union, dating back to 2013. Outside of his advisory work, he is involved with Golden 1 Investment Services. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a variety of financial planning and investment management services, utilizing diverse strategies and advisor-support tools across a large network of advisers.

Yoil Awabdeh is a financial advisor at Wells Fargo Clearing with 25 years of industry experience. He holds the Series 66 designation and previously worked at Morgan Stanley Private Bank, National Association from 2015 to 2019. Awabdeh has been with Wells Fargo Clearing since 2019, based in El Dorado Hills, CA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advice. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broad range of investment options such as insurance-related vehicles and bank deposit sweep programs.

Jay Rizk is a financial advisor with Ameriprise in El Dorado Hills, CA, holding Series 65 and Series 66 credentials and 14 years of industry experience. His prior roles include positions at Guild Mortgage Company, Kestra Financial Services, and Praxis Consulting. Outside of financial advising, he co-owns RizkIt Images, a photography and retail sales business specializing in event and landscape photography. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Lo Oliveira da Silva is a Financial Consultant at Fidelity Investments, a position held since 2026. In this role, Lo focuses on helping clients understand their financial situations and collaborates with them to create plans aligned with their retirement goals. Lo has been with Fidelity Investments since 2022, progressing through roles including Financial Representative, Relationship Manager, and Investment Consultant. Lo holds a California Insurance License. Outside of work, Lo has interests in camping, food, spending time at the lake, parenthood, pets, and surfing.

Manraj Dhillon is a Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2022. In this position, he partners with clients to understand their financial goals and develops customized plans tailored to their unique needs. Prior to this, he worked as a Financial Advisor at Merrill Lynch from 2018 to 2022 and as a Relationship Manager at Bank of America from 2016 to 2018. His professional experience spans financial consulting, advisory, and relationship management roles in the financial services industry. Manraj holds a California Insurance License, supporting his expertise in financial planning and insurance products.

Jeremy Heath is a financial advisor with Ameriprise in El Dorado Hills, CA, holding a Series 66 credential and one year of industry experience. Prior to joining Ameriprise in 2024, he worked at Anytime Fitness Placerville for eight years. In addition to his advisory role, Heath performs bookkeeping and administrative tasks as an officer for Pecuniary Synergies, Inc. Ameriprise serves clients primarily through its retirement-income planning service, targeting individuals with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary retirement recommendations, supported by a centralized consulting team.

Jason Arnold is a financial advisor with UBS Financial Services in Granite Bay, California, holding a Series 66 designation and 24 years of industry experience. His previous work includes roles at Bank of America and Merrill. Outside of his advisory role, he coaches girls basketball and flag football at Granite Bay High School. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management offerings. The firm utilizes proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances.

Tom Campeau is a financial advisor at Edward Jones in Folsom, CA, holding Series 63 and Series 66 licenses with 32 years of industry experience. He has been with Edward Jones since 1994. Outside of his advisory role, he is a managing member involved in family-owned residential rental properties. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm is notable for its extensive network of advisors and branch offices and offers additional services such as trust company capabilities and securities-based lending.

Robert Dewhurst is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and over 20 years of industry experience. His career has been primarily with Wells Fargo-affiliated entities since 2004. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s process is IPS-driven and incorporates modern portfolio theory, with a range of investment options that include insurance-related vehicles and bank deposit sweep programs.

Steven Liaty is a financial advisor with Wells Fargo Clearing in El Dorado Hills, CA, holding Series 63 and Series 65 licenses. He has 28 years of industry experience, including over a decade at Wells Fargo Clearing and seven years at Wells Fargo Advisors LLC prior to that. 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.

Brad Klingfus is an Investment Consultant at Fidelity Investments, a position he has held since 2024. Prior to this role, he worked as a Planning Consultant at Fidelity from 2022 to 2024 and as a Relationship Manager there from 2021 to 2022. Before joining Fidelity, Brad was an Advisor Consultant at Franklin Templeton Investments from 2014 to 2021. Brad holds a California Insurance License. His professional focus involves collaborating with clients to develop comprehensive financial plans aimed at achieving financial wellness and peace of mind. He serves as an advocate for clients, assisting with important financial decisions and planning steps over time. Outside of his professional work, Brad's personal interests include baseball, beach activities, boating, football, and golf.