Daryl Powell is a Certified Financial Planner® (CFP®) with 22 years of industry experience. He has been with Charles Schwab and Charles Schwab Bank since 2007, based in Sacramento, CA. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of wrap fee advisory, brokerage, custody, and cash-sweep services. The firm employs a primarily non-discretionary client relationship model supplemented by access to discretionary separately managed accounts and provides investment guidance through multi-asset model portfolios with ongoing due diligence.

Michael Graham is a financial advisor at LPL Financial in Sacramento, CA, holding Series 65 and Series 63 licenses with two years of industry experience. His prior experience includes roles at Wells Fargo Clearing, Wells Fargo Bank, and Chipotle Mexican Grill. 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 adviser representatives. The firm offers diverse advisory programs, financial planning, and retirement plan consulting, supported by a range of model portfolios and research resources.

Michael Murray is a financial advisor with Fidelity in Sacramento, CA, holding Series 63 and Series 65 licenses and having 10 years of industry experience. He has worked at Fidelity Brokerage Services, LLC since 2015 and joined Fidelity Investments in 2025. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm’s investment process combines proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction, offering model portfolios across mutual funds, ETFs, and ETPs.

Braden Thomas is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. Prior to joining Fidelity, he held positions at California State University, Sacramento, North Ridge Country Club, and Sierra College. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including managing model portfolios through a combination of fundamental research and quantitative analysis. The firm is noted for its use of systematic methodologies, algorithmic portfolio construction, and its advisory roles to multiple registered investment companies.

Natallia Parsons-Hrebneva is a Vice President and Financial Consultant at Fidelity Investments, a role she has held since 2019. She specializes in assisting clients undergoing significant life changes such as employment transitions, retirement, divorce, or the loss of a loved one. Her focus is on guiding clients through complex financial decisions to help reduce stress and uncertainty. Prior to her current position, Natallia worked as an Associate Wealth Management Advisor and Director of Investments at Northwestern Mutual from 2008 to 2019. She holds a California Insurance License. Outside of her professional career, Natallia engages in various personal interests including family activities, hiking, kayaking, parenthood, traveling, and yoga.

Patrick Magnani is a financial advisor with Edward Jones in Roseville, CA, holding a Series 66 designation and 15 years of industry experience. He has been with Edward Jones since 2011. 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 through a large nationwide network of advisors and branch offices.

Forrest Daly is a Series 66 licensed financial advisor with two years of industry experience. He is currently with Fidelity and has previously worked at Equitable Advisors, Robinhood Financial, and other firms. Outside of his advisory work, he operates a vending machine business in Roseville, California. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, including model portfolios incorporating mutual funds, ETFs, and ETPs.

Daniel Giese is a financial advisor at Merrill with a Series 66 designation and five years of industry experience. He has worked at Bank of America, N.A. since 2021 and has been with Merrill since 2020. Outside of his financial career, he has been involved with Airbnb since 2017. 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 and serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Dru Torvend is a financial advisor with LPL Financial in Rancho Cordova, CA, holding Series 63 and Series 66 licenses and having 21 years of industry experience. He has been with LPL Financial since 2009. Outside of his advisory role, he is involved in managing life, health, disability, long-term care, and fixed annuities. LPL Financial serves a broad client base including individuals, retirement plans, banks, corporations, and charitable organizations, offering financial planning, advisory programs, and brokerage services supported by both discretionary and non-discretionary management strategies.

Sam Overly is a Planning Consultant at Fidelity Investments. In this role, Sam works with clients to ensure they are maximizing the resources available at Fidelity by partnering with advisory teams and internal departments. He operates as an extension of the Financial Consultants for the local team, providing additional support through collaboration, service, and planning. Sam's professional experience includes serving as a Relationship Manager and Central Relationship Manager at Fidelity Investments from 2022 to 2025. Prior to that, he was a Team Financial Advisor at Merrill Lynch from 2018 to 2022. He holds a California Insurance License. Outside of work, Sam has interests in baseball, fitness, golf, music, outdoor adventures, and pets.

Lindsey Lund is a financial advisor at Merrill with nine years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Merrill since 2020, previously spending five years at John Hancock Retirement Plan Services and four years at John Hancock Distributors LLC. 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 individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Franz Vaiarello is a financial advisor with LPL Financial, holding the Series 66 designation and over 20 years of industry experience. He has been with LPL Financial since 2011. LPL Financial serves a wide range of clients including individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers diversified financial planning and advisory programs, utilizing model portfolios and research from various sources to support both discretionary and non-discretionary management.

Michelle Wilbur is a financial advisor at Ameriprise with 28 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Ameriprise and its affiliates since 2009. Based in Sacramento, CA, she has worked exclusively within the Ameriprise organization throughout her career. Ameriprise provides a retirement-income planning service targeting individuals approaching or in retirement who meet specific eligibility criteria, typically involving significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary recommendations primarily for clients with Ameriprise-managed accounts.

Jason Layland is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 66 certifications and possessing 21 years of industry experience. His career includes roles at Cambridge Investment Research Advisors since 2022, and prior experience at Woodbury Financial Services and Questar Asset Management. He is also a notary public and has ownership interests in private wealth-related firms in Rocklin, California. Cambridge Investment Research Advisors is an SEC-registered firm serving a diverse client base that includes individuals, pension and profit-sharing plans, charitable organizations, and retirement-plan sponsors. The firm provides financial planning, investment management, and retirement advisory services through a wide network of independent professionals, offering customizable portfolio strategies across multiple platforms and including both proprietary and third-party investment models.

Greg Wood is Vice President and Branch Leader at Fidelity Investments. In his role, he supports Fidelity associates through coaching, onboarding, risk management, compliance, and business strategy. He has been with Fidelity Investments since 2006, progressing from Financial Representative to Branch Service Manager before assuming his current leadership position in 2018. Prior to joining Fidelity, Greg worked as a Client Service Representative at E*TRADE Securities LLC from 2004 to 2006 and as an Investment Associate at UBS Financial Services Inc. from 2003 to 2004. Greg holds a California Insurance License.

Alissa Nunn is a financial advisor at Merrill with a Series 66 designation. She has two years of experience in the industry and previously worked at Bank of America, Life Time Inc, USKO Express, and Target. 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 individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Kevin Haarberg is a CFP® with over 41 years of experience at Edward D. Jones & Co., L.P., where he has worked since 1984. He is based in Woodland, CA. Outside of his advisory role, he is a passive investor and partner in real estate investment ventures. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including pension plans and charitable organizations. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs and investment solutions supported by a large nationwide network of financial advisors and branch offices.

Robert Devore is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 designations and bringing 44 years of industry experience. He has been with Wells Fargo Advisors Financial Network LLC since 2009. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, serving individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services tailored to clients meeting certain net-worth criteria, utilizing proprietary research and tools to develop personalized recommendations.

Issac Cote is a financial advisor at Charles Schwab with two years of industry experience. He holds a Series 66 designation and previously worked at Morgan Stanley and Wells Fargo. Before entering the financial industry, he had experience in retail and food service sectors. 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 combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers a centralized operational structure for custody and order management.

Bart Vannucci is a financial advisor with Primerica Advisors in Sacramento, CA, holding Series 63 and Series 65 licenses and 34 years of industry experience. He has been with Primerica Advisors since 1991 and has additional involvement with the UC Davis Equestrian Center and the University of California Davis. Primerica Advisors manages a wrap-fee asset management program serving individual investors, corporate, and charitable clients, utilizing model-delivery strategies and discretionary separately managed accounts supported by third-party managers and custodians.