Justin Qvistgaard is a financial advisor with UBS Financial Services in Sacramento, CA, holding a Series 66 designation and three years of industry experience. He previously worked at Cambridge Investment Research Advisors, HI Financial, and other firms. His background also includes roles outside finance, such as positions at Boise State University and Davis Senior 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. The firm uses proprietary research and model-based asset allocations to tailor plans aligned with clients’ goals and risk tolerances.

Jacob Bless is a financial advisor with Wells Fargo Clearing in Reno, NV, holding Series 63 and Series 66 licenses and 12 years of industry experience. His prior roles include positions at U.S. Bancorp Investments and U.S. Bank. He has been with Wells Fargo Clearing since 2019 and Wells Fargo Bank since 2018. 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 process is IPS-driven and incorporates a range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Bernardete Nunes is a financial advisor at Ameriprise with 28 years of industry experience. She holds Series 63 and Series 65 licenses and previously worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney from 2009 to 2023. Ameriprise offers retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficient strategies to generate personalized recommendation reports. The firm delivers these services through a centralized consulting team and provides a broad range of advisory, brokerage, and insurance solutions typical of a large institutional firm.

Jason McClellan is an Investment Consultant currently working at Fidelity Investments since 2024. In his role, he collaborates with clients to develop financial plans tailored to their specific needs, aiming to help them achieve their most important goals. Jason has accumulated experience in the financial industry through various positions at Franklin Templeton Investments from 2018 to 2024, including roles as Internal Advisor Consultant, Internal Sales Representative, Senior Client Representative, and Client Representative. He holds a California Insurance License.

Clay Evans is a financial advisor at Stifel with 28 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Stifel Nicolaus & Co Inc since 2009. His prior experience includes positions at Wells Fargo Investments, A. G. Edwards & Sons, and Charles Schwab. Stifel serves a diverse client base, including individuals, institutional investors, and nonprofit entities, offering both brokerage and advisory services. The firm’s investment approach incorporates a proprietary methodology developed by its Investment Strategy Group, which emphasizes forward-looking capital market assumptions and probabilistic modeling.

Russell Towne is a financial advisor at LPL Financial in Roseville, CA, holding a Series 63 designation with 38 years of industry experience. He has been with LPL Financial since 2011. 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 consulting, with access to model portfolios and research from LPL Research and third-party subadvisors.

Jon Champney is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds Series 63 and Series 66 licenses and has worked at several firms including Edward Jones, Bank of America/Merrill Lynch, Wells Fargo, and Brizzi Financial. Champney is based in Sacramento, CA. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Julia Toone is a financial advisor with LPL Financial, holding Series 65 and Series 63 credentials and nine years of industry experience. Her career includes roles at Wells Fargo Clearing, JPMorgan Securities LLC, and JPMorgan Chase Bank. She is also a notary for Safe Credit Union in North Highlands, CA. 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, retirement consulting, and brokerage services, utilizing both discretionary and non-discretionary management approaches supported by model portfolios and research.

George Salidas is a financial advisor at Morgan Stanley with 25 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley and its affiliated entities since 2008. His roles have included positions at Morgan Stanley Private Bank, National Association, and Morgan Stanley Smith Barney. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools and models.

Andrea Orlando Skewis is a Wealth Management Advisor with The Carter Forward Skewis Group at Merrill Lynch Wealth Management. She joined the group in 2016 and works closely with clients to develop comprehensive financial strategies encompassing investments, banking, lending, and insurance services. Andrea has over 23 years of experience with Merrill Lynch Wealth Management, including more than a decade in leadership roles. She began her career in December 2001 as an intern in the Chico, California office and progressed through various positions, including Registered Client Associate, Client Relationship Manager for the Sacramento Market, and Administrative Manager. Her expertise covers areas such as college education planning, family wealth management strategies, retirement income, and managing new wealth. She earned a Bachelor of Science degree with a finance emphasis from Chico State University. Andrea holds several professional designations, including Certified Plan Fiduciary Advisor (CPFA), Certified Private Wealth Advisor (CPWA), and Personal Investment Advisor (PIA).

Amy Galvan is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously at WELLS FARGO Advisors, LLC from 2012 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering investment policy development, investment recommendations, performance reporting, and participant education. The firm’s advisory 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.

Kenneth Meyers is a financial advisor with Robert W. Baird & Co. in Roseville, CA, holding Series 63 and Series 65 credentials and bringing 36 years of industry experience. He has been with Robert W. Baird & Co. since 2009. Outside of his advisory role, Meyers is involved in nonprofit work related to maintenance and upkeep of airport hangars and holds a passive ownership interest in a long-standing fishing shop. The DDK Group, part of Robert W. Baird & Co.’s Private Wealth Management division, serves individuals, corporations, pensions, and charitable organizations with a broad range of financial planning, portfolio management, and advisory services. The firm utilizes a combination of manager-traded and model-traded strategies, ongoing manager oversight, and internal research tools, and manages approximately $394 billion in assets as of December 31, 2025.

Shaini Lewis is a CFP® with 25 years of industry experience, currently serving as a financial advisor at Ameriprise since 2020. She previously worked at Ameriprise Financial Services, Inc. for 20 years. In addition to her advisory role, she leads and coaches financial advisors at Ascendant Wealth Management Group through The FISH20 Group, LLC. Ameriprise offers retirement-income planning services primarily for clients with significant investable assets, combining research and modeling techniques to provide tailored, tax-efficient withdrawal strategies and income recommendations. The firm also delivers a broad range of advisory, brokerage, and insurance solutions typical of a large institutional provider.

Kenneth Moodie is a financial advisor at Wells Fargo Clearing with 22 years of industry experience. He holds the Series 66 designation and has been with Wells Fargo since 2014, including a prior role at WELLS FARGO Advisors, LLC. He is based in Roseville, California. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages roughly $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Luke Iverson is a financial advisor with LPL Financial who holds a Series 66 designation and has 11 years of industry experience. Prior to joining LPL Financial, he worked at Crown Capital Securities, LP for seven years and Quest Securities, Inc. for two years. He is also employed outside the investment industry at Aerojet Rocketdyne. 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 supported by in-house and third-party research.

Alexander Scoledes is a financial advisor with Wells Fargo Clearing in Roseville, CA, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. He serves as a trustee for trusts established for the benefit of his parents-in-law’s five grandchildren. Wells Fargo Clearing provides retirement plan consulting 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 based on modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options within its investment offerings.

Mark Frederick is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. His prior roles include positions at First Allied Advisory Services, Inc. and First Allied Securities, Inc. Outside of his advisory work, he serves as a trustee for a family trust and is involved with Fortified Financial Group, a financial services firm where he acts as a financial professional. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm serving individual, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and retirement services, utilizing a multi-manager platform that includes affiliated and third-party managers, with assets under management exceeding $256 billion.

Julia Dunnigan is a Series 66–licensed financial advisor with nine years of industry experience. She currently works at Morgan Stanley in Folsom, CA, having previously spent eight years at BlackRock Investments, LLC. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm provides a range of advisory programs and financial planning services supported by structured discovery processes and firm-approved tools.

Aaron Albillar is a financial advisor at Edward Jones in Folsom, CA, holding a Series 66 designation. He joined Edward Jones in 2024 and has prior experience in construction, real estate services, and tile care. 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, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds.

Brittany Amador is a financial advisor at Fidelity with Series 65 and Series 63 licenses and four years of industry experience. She previously worked at Wells Fargo Clearing and Wells Fargo Bank, nA. She is affiliated with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm employs a systematic investment process combining fundamental research, quantitative analysis, and algorithmic portfolio construction, and it serves multiple registered investment companies and fund-of-funds.