Andrew Peterson is a financial advisor with Wells Fargo Clearing in El Dorado Hills, CA, holding a Series 66 designation and 21 years of industry experience. He has worked with Wells Fargo Advisors LLC before joining Wells Fargo Clearing in 2016. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, and retirement plan consulting to individuals, corporations, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions, utilizing research from Wells Fargo Investment Institute and third-party sources to support its investment approach.

Johnathan Mirabelli is a financial advisor with Equitable Advisors, holding a Series 66 designation and ten years of industry experience. He has been with Equitable Advisors since 2016 and previously worked at AXA-Advisors, LLC. Outside of financial advising, he is involved as a travel advisor with Goldrush Getaways. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients. The firm offers financial planning, retirement plan consulting, and a variety of asset-management programs through a network of Investment Adviser Representatives and third-party asset managers.

Ramak Fazeli is a financial advisor with Charles Schwab & Co., Inc. in Folsom, CA, holding Series 63 and Series 66 licenses and possessing 29 years of industry experience. His work history includes roles at Motif Investing and SCOTTRADE, Inc. prior to joining Charles Schwab in 2016. Charles Schwab & Co., Inc. 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 blend of non-discretionary guidance and access to discretionary separately managed accounts, supported by multi-asset model portfolios and research from the Schwab Center for Financial Research.

Brian Olmstead is a CFP® professional with 28 years of industry experience, currently serving at Cetera since 2023. He has been affiliated with Cetera Wealth Services, LLC since 2013. Outside of his advisory role, Olmstead is the owner of Mammen Financial Services Inc., a corporation involved in fixed insurance sales, life, and annuities, where he also manages corporate administrative tasks and produces an informational newsletter. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with various program options and custodial relationships.

Brandi Stahl is a financial advisor with OSAIC in Sacramento, CA, holding Series 63 and Series 65 designations and bringing 24 years of industry experience. She previously worked at Lincoln Financial Advisors for 23 years before joining OSAIC in 2025. In addition to advisory work, she is active as an insurance agent offering a range of life, health, disability, fixed/indexed annuities, and long-term care insurance products. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and charitable investors through a broad network of advisers and multiple advisory platforms. The firm utilizes a range of portfolio construction tools and offers integrated financial services, supported by various third-party solutions and a complex corporate structure.

Timothy Chafin is a financial advisor with LPL Financial, holding Series 63 and Series 65 designations and 25 years of industry experience. He has been with LPL Financial since 2007. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services with both discretionary and non-discretionary management options.

Sonny Carpenter is a Planning Consultant at Fidelity Investments, a position he has held since 2021. He has over 20 years of experience in the financial industry, focusing on helping clients create personalized retirement plans tailored to their specific situations. Prior to his current role, Sonny served as a Senior Relationship Manager at Fidelity Investments from 2016 to 2021 and as a Financial Representative at the same firm from 2010 to 2016. His earlier experience includes roles as a Stockbroker at Scottrade, Inc from 2008 to 2010 and at Etrade Financial from 2000 to 2008. Sonny holds a California Insurance License, which supports his advisory capabilities in the financial sector. Outside of his professional work, he has personal interests in fitness, golf, reading, and traveling.

Jason Crowell is a financial advisor with LPL Financial, holding a Series 66 designation and 14 years of industry experience. He has worked at LPL Financial since 2011 and has been associated with Golden 1 Credit Union since 2009. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, 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 with access to model portfolios and research from multiple sources.

Jeremy O Reilly is a financial advisor with J.P. Morgan Securities LLC, holding Series 63 and Series 66 credentials and bringing 15 years of industry experience. Prior to joining J.P. Morgan in 2017, he worked at E*TRADE Capital Management LLC, Harrisdirect LLC, and E*Trade Securities LLC. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

James Dugan Jr. is a financial advisor with Morgan Stanley in Folsom, California, holding Series 63 and 65 licenses and bringing 34 years of industry experience. He has worked with Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2010. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and provides services that include relationships with investment companies, private funds, and structured-product activities.

Rodney Bannister is a financial advisor at OSAIC with 39 years of industry experience. He holds a Series 63 designation and previously worked at Securities America Advisors, Inc. and Securities America, Inc. for 15 years. Outside of advisory work, he provides insurance products and assists clients with submitting death claims. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and charitable investors through a broad network of affiliated advisers. The firm offers integrated brokerage and advisory services, employing asset-allocation tools and third-party platforms to manage portfolios across a range of investment types.

Dave Winther is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2025. He has been with Fidelity Investments since 2016, progressing through roles including Financial Consultant, Investment Consultant, Relationship Manager, and Financial Representative. Dave works closely with clients to help them achieve their financial goals through a collaborative planning process that aligns investments with clients' unique values. He holds a California Insurance License, supporting his ability to provide comprehensive financial advice. Outside of his professional responsibilities, Dave enjoys comedy, cooking and baking, fitness, football, movies, and music.

Olga Garton is a financial advisor with LPL Financial in Folsom, CA, holding Series 63 and Series 65 licenses and bringing 15 years of industry experience. Her prior work includes roles at Iron Point Advisors, Securities America, and Waddell and Reed. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, 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 model portfolios and research from both internal and third-party sources.

Trevor Glenn II is a financial advisor at LPL Financial with 20 years of industry experience. He holds the Series 63 and Series 66 designations. His prior experience includes roles at Crown Capital Security LP and Quest Securities, Inc. Outside of his advisory work, he has been involved with Paradigm Mortgage Corporation, a mortgage and real estate services business he has operated since 1993. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, 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, supported by research and multiple portfolio management options.

Jeremey Hill is a financial advisor at Cetera with 18 years of industry experience and holds Series 63 and Series 66 credentials. He has worked previously at firms including Allianz Life Insurance Company and LPL Financial. Outside of his advisory work, he serves as secretary of a homeowners association in Fair Oaks, California. Cetera Investment Advisers LLC is a large SEC-registered firm serving individual and institutional clients with portfolio management, financial planning, and retirement services. The firm offers a multi-manager platform allowing advisors to use affiliated and third-party model portfolios, with over $256 billion in assets under management and more than 10,000 advisors nationwide.

Dionne Terzoli is a financial advisor with LPL Financial in Sacramento, CA, holding a Series 66 designation and 15 years of industry experience. Prior to joining LPL Financial in 2026, Terzoli spent 11 years with Raymond James Financial Services and serves at Golden1 Credit Union. She has also been involved with St. Anthony's Parish in Sacramento since 2016. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm provides a range of advisory programs, financial planning, and retirement plan consulting, offering both discretionary and non-discretionary management supported by in-house and third-party research.

Aritra Bera is a financial advisor at Edelman Financial Engines with a Series 65 designation and one year of industry experience. Prior to joining Edelman Financial Engines, he held positions at Catalyst Kids, Banker's Life, and Californians for All College Corps. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm employs a committee-driven modeling process combined with planner delivery and online tools, offering both discretionary and non-discretionary investment options.

Jay Ramey is a financial advisor at Cetera with 37 years of industry experience. He holds Series 63 and Series 65 credentials and has been associated with Cetera and its related entities since 2013. Outside of his advisory work, he serves as a board member for the Bridlewood Canyon Homeowners Association. Cetera Investment Advisers LLC is an SEC-registered firm that supports a nationwide network of independent advisors serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a variety of portfolio management and financial planning services through multiple program structures and a range of third-party money manager options.

Timothy Samodarov is a financial advisor with Primerica Advisors in Folsom, CA, holding Series 63 and Series 65 licenses and two years of industry experience. His prior work includes a decade at Visions in Education and ongoing roles within Primerica Financial Services and Primerica Advisors. Outside of advisory work, he is involved in sales of loan products and home security services through affiliated companies. Primerica Advisors offers discretionary asset management primarily through its Lifetime Investment Program, serving individual and high-net-worth clients with model-based and separately managed account strategies within a wrap-fee structure. The firm utilizes third-party asset managers and delegates trade execution to BNY Mellon Advisors, focusing on curated investment models rather than institutional pension or profit-sharing plan management.

Jared Duran is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. Prior to joining Fidelity, he held roles at King Cong Brewing Co., Duran Strategic Marketing, Markstein Beverage of Sacramento, and Fitness MD, and served in the U.S. Army Reserves for eight years. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm offers discretionary and non-discretionary advisory services, fund management, and model portfolio delivery, with notable activities including its registration as a commodity pool operator and use of AI in research.