Sandy Stafford is a financial advisor at Merrill with Series 66 credentials and eight years of industry experience. She has worked at Bank of America and Merrill since 2006. Outside of her advisory role, Stafford is a passive equity investor as a member of MKG Ventures, LLC, a limited liability company focused on investing primarily in private companies. 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 and profit-sharing plans, corporations, and charitable organizations.

Paul Hanna is a financial advisor at Edward Jones with five years of industry experience. He holds the Series 63 and Series 66 licenses. Prior to joining Edward Jones, he worked at Wells Fargo Clearing and Wells Fargo Bank NA for a combined ten years. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies and separately managed accounts, and operates under a fiduciary standard.

Tillman Pugh III is a financial advisor with Mass Mutual Investors Services and holds a Series 66 designation. He has one year of industry experience, including prior work with MassMutual Life Insurance Company and 14 years employed by Major League Baseball. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser, providing financial planning and asset management services to individuals, business owners, and charitable organizations, among others. The firm offers collaborative, annual planning engagements using firm-approved analytical tools and supports event-driven services such as estate settlement and divorce planning.

Clifford Gamble is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. He previously worked at Western International Securities, Inc. for 12 years and has served as president of Life Rx Corporation since 1994. He also acts in a fiduciary capacity for the Fred E. Helmick Irrevocable Trust. 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 broad range of advisory programs, financial planning, and retirement consulting, supported by a variety of portfolio management options and research services.

Larry Au is a financial advisor with Ameriprise in Auburn, CA, holding a Series 66 designation and 22 years of industry experience. He previously worked at Stifel Nicolaus & Co Inc for 17 years before joining Ameriprise. He serves on the advisory board of the Salvation Army. Ameriprise offers retirement-income planning services targeted at individuals nearing or in retirement who meet specific asset criteria, combining research and modeling with tax-efficient withdrawal strategies. The firm provides a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Adam Altman is a financial advisor with Morgan Stanley in Roseville, CA, holding Series 63 and Series 66 licenses and having 23 years of industry experience. He has been with Morgan Stanley since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients by providing advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that includes tools such as Monte Carlo simulations and Secular Return Estimates.

Bradley Baer is a financial advisor with Thrivent Investment Management in Roseville, CA, holding Series 63 and Series 66 licenses and bringing 36 years of industry experience. He has been with Thrivent Financial for Lutherans and Thrivent Investment Management since 2002. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of Financial Advisors. The firm offers holistic, goal-based planning across various topics and allows clients to integrate planning with managed account services under a consolidated billing option, while maintaining separation between planning and portfolio management.

Peter Hora is a financial advisor at Edelman Financial Engines with 15 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Alliant Credit Union and LPL Financial. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm uses a committee-driven modeling process combined with planner delivery and online tools, offering diversified model portfolios, discretionary and non-discretionary management, and operates as a fiduciary under ERISA and DOL guidelines.

Dave Bostick is the Resident Director of the Roseville Office at Merrill Lynch Wealth Management. In this role, he leads the office by communicating the firm's strategic vision and supporting fellow advisors. He began his career in investing and wealth management in 2001 and joined Merrill in 2011. Dave works closely with individuals, couples, and multiple generations of client families to help them discern and pursue their financial goals through integrated strategy and advice. His approach includes listening attentively to clients' priorities and designing tailored strategies covering planning, investing, savings, wealth transfer, and access to banking and lending services through Bank of America. He employs an open-architecture framework for investing to provide a wide range of options. Originally from Sacramento, Dave has deep roots in the Granite Bay/Roseville area. He holds a bachelor's degree in Business Administration from Montreat College and has earned several professional designations, including Chartered Retirement Planning Counselor (CRPC), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He enjoys spending time with his wife Tamara and their two children, Allison and Tyler.

Adam Lymath is a financial advisor with Cetera, holding a Series 66 designation and one year of industry experience. He previously worked at LPL Financial LLC and Pacific Wholesale Mortgage. In addition to his advisory role, he serves as a firefighter with the City of San Rafael Fire Department. Cetera Investment Advisers LLC is an SEC-registered adviser offering a multi-manager platform to over 10,000 advisors and approximately 800,000 clients. The firm provides a range of portfolio management, financial planning, and retirement services to individuals, employer-sponsored plans, corporate, charitable, and institutional clients.

Daniel Poppers is a financial advisor at Ameriprise with 13 years of industry experience and holds the Series 66 designation. His prior experience includes roles at Golden State Wealth Management, LLC and LPL Financial, as well as Edward Jones. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Ameriprise Premier Retirement Income service. The firm’s approach includes a written Recommendation Report and ongoing advice focused on income sources and tax-aware withdrawal strategies, utilizing proprietary research and algorithmic tools.

Robert Cannella is a financial advisor with LPL Financial, holding a Series 66 designation and 29 years of industry experience. He has been with LPL Financial since 2005. Outside of his advisory work, he holds three United States patents for an automotive safety device. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, corporations, and charitable organizations. The firm offers financial planning, various advisory programs, and retirement plan consulting, with access to model portfolios and research from LPL Research and third-party subadvisors.

Cody Sloan is a CFP® professional with 20 years of experience in the financial services industry. He has been with Edward Jones since 2006, based in Roseville, CA. 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 programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Nataliya Chernopiski is a financial advisor with Wells Fargo Clearing, holding a Series 63 designation and having eight years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors, LLC from 2012 to 2016. Outside of her advisory role, she serves as treasurer for the City Bible Church of Sacramento. 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 combines research from Wells Fargo Investment Institute and third-party sources to evaluate investment options, offering both brokerage and advisory solutions across a broad range of financial products.

David Loeffler is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. He has worked with Wells Fargo Advisors LLC and Wells Fargo Clearing since 2009. Outside of his advisory role, he is involved in radio and TV broadcasting and production as an on-camera and voice-over talent. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans 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 investment options alongside traditional products.

Edgar Granados is an Investment Consultant at Fidelity Investments. He has previously served as a Relationship Manager at Fidelity Investments from 2022 to 2023 and as a Financial Representative from 2021 to 2022. He holds a California Insurance License. Edgar focuses on understanding his clients' priorities and helps structure their financial plans according to their unique situations. He guides clients in utilizing the resources available through Fidelity to achieve peace of mind. Edgar and his wife have lived in the Sacramento area for most of their lives. He enjoys spending time with family, exploring new restaurants, and pursuing personal hobbies including dance and cars. Additional personal interests include football, pets, and soccer.

Lisa Beile is a financial advisor with UBS Financial Services in Roseville, CA, holding Series 63 and Series 65 registrations and bringing 33 years of industry experience. She has been with UBS Financial Services since 2013. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor plans to clients' goals and risk tolerances.

Taylor Ohl is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and eight years of industry experience. His prior roles include positions at Bank of America, Merrill, NYLIFE Securities LLC, New York Life Insurance Co, and various Wells Fargo entities. Wells Fargo Clearing provides retirement plan consulting services 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.

Aaron Menard is a Financial Advisor at Merrill Lynch Wealth Management. He focuses on helping families, individuals, and businesses navigate their financial goals and aspirations. Aaron works closely with clients to understand their priorities and develop personalized investment strategies aimed at pursuing their financial objectives. He specializes in areas including college education planning, legacy planning, managing new wealth, personal retirement planning, and tax minimization. Aaron holds a Bachelor's Degree from Washington State University and a Master's Degree from Seattle University. He has earned professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Aaron is involved with several professional organizations such as Delta Upsilon International Fraternity, Roseville Area Chamber of Commerce, Rotary Club, and Sacramento Home Winemakers. Outside of his professional life, he spends time with his family and enjoys sports including baseball, basketball, football, golfing, and soccer, as well as traveling.

Erik Boyme is a financial advisor with LPL Financial in Auburn, CA, holding a Series 66 designation and 21 years of industry experience. He has been with LPL Financial since 2012. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide through a large network of investment adviser representatives. The firm offers a range of financial planning and advisory services, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.