Rodney Spradlin is a financial advisor at Cetera with 31 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Cetera and its affiliated entities since 2013. In addition to his advisory role, he operates American River Wealth Management as a DBA for his investment practice and serves as a representative involved in annuities. Cetera Investment Advisers LLC is an SEC-registered adviser that supports a broad client base including individuals, employer-sponsored retirement plans, corporate, charitable, and institutional accounts. The firm offers a variety of portfolio management and advisory services through a multi-manager platform with access to both affiliated and unaffiliated third-party managers.

Russell Beal is a financial advisor with OSAIC Wealth Inc, holding a Series 66 designation and one year of industry experience. He is also a partner at Weston and Tuttle LLP, a tax and accounting firm serving small businesses and individuals, where he provides tax preparation, consulting, and other accounting services. Beal's prior experience includes roles at KBRB, Inc. and KPMG LLP. OSAIC Wealth Inc serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations through a large network of affiliated advisors and advisory platforms. The firm offers integrated brokerage and advisory services and uses various asset-allocation and portfolio management tools to meet client investment needs.

Mary Caulder is a financial advisor with Morgan Stanley Wealth Management, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. She has worked at Morgan Stanley Smith Barney since 2009 and at Citigroup Global Markets since 1995. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a variety of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that incorporates firm-approved tools and investment outlook models.

Matt Erickson is a financial advisor with Cetera who holds the ChFC®, Series 63, and Series 65 designations and has 26 years of industry experience. He has been with Cetera and Cetera Wealth Services, LLC since 2013. Outside his advisory role, he is involved with fixed insurance products and operates under the financial services DBA American River Wealth Management. Cetera Investment Advisers LLC serves 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 large network of advisors and supports multiple investment program structures and third-party managers.

Mackenzie Miller is a financial advisor at Edward Jones with a Series 66 designation and one year of industry experience. Prior to joining Edward Jones, Miller worked eight years at Rapattoni Corporation and spent time at Retters Academy of Dance and as a full-time student. 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 range of advisory strategies, including discretionary and non-discretionary wrap fee options, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Avedis Buyuker is a financial advisor with Equitable Advisors in Folsom, CA, holding Series 63 and Series 66 licenses and having six years of industry experience. His prior work includes roles at Axa Advisors and Sprint, as well as time spent at California State University. Equitable Advisors serves a range of clients including individuals, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and asset management through a network of Investment Adviser Representatives and third-party program sponsors. The firm offers various advisory models and ERISA fiduciary services without sponsoring its own wrap fee program, relying on third-party managers and affiliated asset managers for investment solutions.

Russell Martinez is a financial advisor at Morgan Stanley with 40 years of industry experience. He holds Series 63 and Series 65 licenses and has worked within various divisions of Morgan Stanley since 1997. Outside of his financial career, Martinez participates in a band called Stones Throw. Morgan Stanley Wealth Management provides advisory and brokerage services to individual and institutional clients. The firm utilizes structured financial planning tools and offers a wide range of investment programs, managing approximately $2.74 trillion in client assets.

Loi Yu is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and 28 years of industry experience. Prior to joining LPL Financial in 2021, he worked for Allianz Life Financial Services LLC and Allianz Life Insurance Company of North America from 2013 to 2021. He is involved with Snyder Wealth Management Group, Inc. and U-Core Capital LLC in connection with his LPL business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides a range of advisory and brokerage services, including financial planning and access to third-party asset managers, with a focus on combining scale and diverse financial offerings alongside its advisory platform.

Jerry Newman is a financial advisor with Edward Jones in Granite Bay, CA, holding Series 63 and Series 66 credentials and 28 years of industry experience. He has been with Edward Jones since 1997. Outside of his advisory role, he has no recorded responsibilities in other business activities. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies supported by a nationwide network of more than 23,700 financial advisors and 15,000 branches.

Anthony Nye is a CFP® with 30 years of industry experience, currently serving at Morgan Stanley in Folsom, CA. He previously worked at UBS Financial Services for 17 years before joining Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering advisory programs to individuals and institutional clients, with approximately $2.74 trillion in client assets. The firm’s financial planning process uses structured discovery conversations and firm-approved tools, including Global Investment Committee return estimates and Monte Carlo simulations, focusing on advisory services without providing individual security recommendations in standalone planning.

Christopher Cottrell is a financial advisor with Osaic, holding the CFP® and Series 63 designations and bringing 10 years of industry experience. He has worked at Woodbury Financial Services and Questar Capital, and he is a partner at Hoppe & Cottrell LLP, a CPA and tax advisory firm serving individual and business clients. He is also a partner at Hoppe Cottrell Advisors LLC, involved in the sales and service of fixed insurance products. Osaic Wealth, Inc. serves a diverse client base including individual, high-net-worth, institutional, and charitable clients through a large network of affiliated advisers and multiple advisory platforms. The firm provides integrated brokerage and advisory services, employing asset allocation tools and offering portfolios that include a range of investment types managed on both discretionary and non-discretionary bases.

Yan Evans is a Vice President and Financial Consultant at Fidelity Investments, a position held since 2019. In this role, Yan works closely with clients to understand their unique financial situations and develop tailored plans to address their goals and uncertainties. Yan has extensive experience in the financial services industry, having held roles as a Financial Advisor at Morgan Stanley from 2017 to 2019 and at Edward Jones from 2016 to 2017. Prior to that, Yan was a Brokerage Associate at Wells Fargo Advisors between 2012 and 2016, and served as an Associate Vice President at Aviva Insurance from 2008 to 2011. Yan holds a California Insurance License. Outside of work, Yan is interested in camping, hiking, running, skiing, traveling, and volunteering.

Therynn Winberry is a financial advisor at Equitable Advisors with one year of industry experience. He holds a Series 66 designation and has held various roles outside of financial advising, including employment with Instacart and positions in education and other industries. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients. The firm’s offerings include multiple advisory programs and access to third-party asset managers, with a focus on matching clients to appropriate investment models and discretionary managers.

Joshua Sanchez is a financial advisor with Merrill in Folsom, CA, holding a Series 66 designation and four years of industry experience. His work history includes positions at Bank of America, Merrill, and Wells Fargo, as well as involvement in roles outside finance such as with Grateful Bread. 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. The firm offers model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Erika Pandy is a Senior Financial Advisor with Merrill Lynch Wealth Management. In this role, she provides advisory and wealth management services to clients, including affluent families, professionals, business owners, and corporate executives. Erika’s practice focuses on areas such as divorce transition planning, retirement income, portfolio management services, and support for endowments, foundations, and defined benefit plans. Her professional and educational background supports her expertise in financial advising. Erika holds an MBA from Saint Joseph’s University and a Bachelor of Arts from LaSalle University. She has earned several professional designations, including Certified 401(k) Professional (CKP), Chartered Retirement Planning Counselor™ (CRPC), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). She is conversant in English and Italian. Outside of her professional responsibilities, Erika is engaged in community activities in Philadelphia. She is involved with organizations such as the Delaware Valley Youth Athletic Association and Saint Pio Catholic School. Her personal interests include spending time with her family, reading, and baseball.

Joanne Nuguit is a financial advisor at Morgan Stanley in Folsom, CA, holding a Series 66 designation with 11 years of industry experience. She has been with Morgan Stanley since 2013. Outside of her advisory role, she is co-owner of a computer and networking technical support business, Foothill Technical Solutions, where her husband is the primary owner. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutions, offering tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and includes services such as personalized financial plans without individual security recommendations as part of standalone programs.

James Kirwan is a financial advisor with Ameriprise Financial Services, LLC, holding Series 63 and Series 65 licenses and bringing 50 years of industry experience. Prior to joining Ameriprise in 2020, he worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. He serves on the Board of Directors for the American Diabetes Association Nor Cal. Ameriprise offers retirement-income planning services targeting individuals with significant investable assets, combining research-driven, model-based recommendations with tax-efficient strategies. The firm provides a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Alex Dutra is a financial advisor with Edward Jones in Folsom, CA, holding a Series 66 designation and 16 years of industry experience. His prior experience includes a 22-year tenure at Merrill Lynch (Bank of America) before joining Edward Jones in 2025. 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 under management through a nationwide network of over 23,700 advisors and offers a range of advisory programs and investment solutions under a fiduciary standard.

Gene Lovett III is a financial advisor with Edward Jones in Auburn, CA, holding a Series 66 registration and entering the industry in 2022. Prior to joining Edward Jones, he worked at Heritage Community Credit Union, Kohl's, and held various roles including positions in education and retail. 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.

Alexander Salidas is a financial advisor at Morgan Stanley with six years of industry experience. He has worked at several firms including Thornburg Securities, Franklin Templeton Investments, and Bank of America. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides planning services through its Financial Advisors and Estate Planning Strategies Group.