Stephen Machado is a financial advisor with Eagle Strategies (NY Life) and holds Series 65 and Series 63 licenses. He has four years of industry experience, including roles at NYLIFE Securities LLC, New York Life Insurance, and Knights of Columbus Asset Advisors. Outside of his advisory work, Machado serves as an officer for the Galt Council of the Knights of Columbus and maintains a small digital marketing business supporting a few long-term clients. Eagle Strategies serves a broad range of individual and institutional clients, providing financial planning, investment management, and retirement-plan advisory services through a large network of affiliated advisers. The firm offers multiple program types and emphasizes tailoring recommendations to client objectives, with a significant portion of its assets managed on a non-discretionary basis.

Matthew Balecki is a financial advisor at Citigroup Global Markets with 18 years of industry experience. He holds a Series 66 designation and has previously worked at Wells Fargo Clearing and WELLS FARGO Advisors, LLC. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment strategies through discretionary and non-discretionary programs. The firm combines large institutional scale with specialized market roles, including proprietary research, futures and derivatives services, and tailored solutions for high-net-worth clients.

Tu Niem is a financial advisor with Transamerica Financial Advisors who holds Series 63 and Series 65 licenses and has 13 years of industry experience. His career includes roles at Musarubra US, LLC, World Financial Group, and Crowdstrike Holdings Inc. Outside of financial advising, Niem manages restaurant operations for two businesses, Far East Cafe and Poke Ichii, and provides cybersecurity consulting services through Musarubra US, LLC. Transamerica Financial Advisors serves a wide range of clients including individual investors, retirement plans, trusts, and charitable organizations. The firm delivers services primarily through model portfolios and third-party managers across multiple platforms, with regulatory assets under management reported at about $1.7 billion.

Emily Hicks is a CFP® with four years of industry experience, currently affiliated with Principal Financial Services. She has worked at Principal Securities Inc. since 2021 and previously held positions at Principal Life Insurance Co. and Marco Rodriguez. Her background also includes a role in campus recreation at UC Irvine. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, estates, charitable organizations, corporations, and active-duty U.S. military personnel abroad. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager solutions through various advisory and promoter arrangements.

Richard Silva is a financial advisor with Valic Financial Advisors in Elk Grove, CA, holding Series 63 and Series 66 licenses and 28 years of industry experience. He has worked at Sunamerica Capital Services, Inc. since 2014 and AXA Advisors, LLC since 2009. Valic Financial Advisors primarily serves U.S.-domiciled individual investors, including high-net-worth and ultra-high-net-worth clients, as well as corporate and retirement-plan participants. The firm offers discretionary managed-account programs, financial planning, consulting, and brokerage services, utilizing Envestnet-developed UMA models for portfolio construction.

Frank Avila is a financial advisor with Eagle Strategies (NY Life) in Elk Grove, CA, holding Series 63 and Series 66 licenses and bringing 13 years of industry experience. His prior roles include positions at Edward Jones and Wells Fargo affiliates. Avila is also the owner of A.V. Strategic Wealth Partners, a financial services firm. Eagle Strategies provides financial planning, investment management, and retirement-plan advisory services to a diverse client base, including individual investors and institutional sponsors. The firm offers multiple program types and emphasizes tailored recommendations, managing the majority of its assets on a non-discretionary basis.

Darrell Juliano is a financial advisor with Principal Financial Services, holding the ChFC® designation and Series 63 and 66 licenses, and has 30 years of industry experience. He has worked at Almond Valley Wealth Management since 2020 and operated Juliano Financial Services for 20 years. Juliano also serves as an insurance agent specializing in fixed life, annuity, disability income, and long-term care products. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, estates, charitable organizations, and active-duty military personnel. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager asset allocation and separately managed account solutions.

Marites Avila is a CFP® professional with 14 years of industry experience. She is currently with Commonwealth Financial Network and Paragon Financial Services, having worked previously at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and hundreds of thousands of clients. The firm provides a broad platform including managed-account programs, access to third-party asset managers, retirement consulting, and custody services.

Dale Mizuno is a financial advisor at Transamerica Financial Advisors with 28 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Charles Schwab and World Financial Group prior to his current role. Mizuno is also involved in the sales of insurance products affiliated with Transamerica Financial Advisors. Transamerica Financial Advisors serves a diverse client base including individual investors, pension plans, trusts, and charitable organizations. The firm offers a combination of advisory and broker-dealer services with proprietary and third-party investment models, providing both discretionary and non-discretionary program options.

Miguel Lopez is a financial advisor with Principal Financial Services based in Elk Grove, CA. He holds Series 63 and Series 65 licenses and has 29 years of industry experience. His career includes roles at Principal Securities Inc. since 2016 and Principal Mutual Life Insurance Co. since 1995. Outside of his advisory work, he is involved in the sale of health, fixed life insurance, fixed annuities, long term care insurance, and disability products. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and charitable organizations. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager solutions through various adviser and promoter arrangements.

Marco Rodriguez is a financial advisor with Principal Financial Services and holds Series 63 and Series 65 credentials. He has 34 years of experience, including long-term roles at Principal Life Insurance Co. and Principal Securities Inc. Rodriguez serves as president of the Mexican Cultural Center of Northern California and is a board member for multiple nonprofit organizations, including Pride Industries Inc. and University Enterprise Inc. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, offering financial planning, retirement plan consulting, and access to third-party money manager programs under various advisory and promoter arrangements.

Bryan Hickingbottom is a financial advisor with Raymond James Financial Services Advisors, Inc., holding a Series 66 designation and over 25 years of industry experience. He has been with Raymond James since 2009 and operates Hickingbottom Financial Services as a branch owner since 2021. Outside of advising, he is involved in the non-variable insurance business, including handling renewal commissions on long-term care policies and writing fixed annuity business. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, corporations, and institutional clients. The firm delivers tailored non-discretionary planning using risk profiling and modeling tools and supports municipal and public finance work through a municipal advisor affiliation.

Alexander Glaros is a financial advisor at Edward Jones in Lodi, CA, with six years of industry experience. He has held positions at Edward Jones since 2019 and previously worked at Lincoln High School, Cisco Air Systems, and Penske Truck Leasing. He holds a Series 66 designation. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and charitable organizations. The firm manages approximately $1.01 trillion in assets and operates a large network of financial advisors and branch offices across the country.

Markelle Luke is a financial advisor with Edward Jones in Lodi, CA, holding a Series 66 designation and 10 years of industry experience. Prior to joining Edward Jones in 2023, Markelle worked at Cetera Advisor Networks LLC, Girard Securities, and United Capital Financial Advisers, LLC / Goldman Sachs. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a broad range of advisory programs and investment solutions, operating under a fiduciary standard and supporting approximately $1.01 trillion in assets under management.

Sam Bellestri is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. He has worked with Raymond James since 2009. Outside of his advisory role, he serves as an independent contractor at Hickingbottom Financial Services, Inc., providing financial services. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, corporations, and institutional clients. The firm provides tailored non-discretionary planning and consulting using analytical tools and supports municipal and public finance work through a unique municipal advisor affiliation.

Zachary Vail is a financial advisor at Ameriprise with 17 years of industry experience and holds a Series 66 designation. He has been with Ameriprise Financial Services since 2008, serving in multiple roles within the firm. Outside of his advisory work, he has involvement in real estate ownership unrelated to investment activities. Ameriprise Financial Services is a large advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service focused on retirement income planning, which combines proprietary research and third-party data to provide tailored recommendations and ongoing annual advice.

Katie Gilbeau is a financial advisor with Edward Jones in Elk Grove, CA, holding a Series 66 designation and 14 years of industry experience. She has been with Edward Jones since 2012. 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 and investment options, operating under a fiduciary standard.

Lawrence Lonski is a financial advisor at OSAIC with 32 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at Woodbury Financial Services and Independent Financial Group. Outside of advising, he is president of Lonski Pet Rescue, a nonprofit dedicated to rescuing hybrid wolf dogs and homeless or neglected cats. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and advisory services alongside financial planning and retirement plan consulting. The firm utilizes various tools and third-party platforms to construct diversified portfolios tailored to clients’ risk tolerance and investment restrictions.

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.

Thomas Decristofaro is a financial advisor at Fidelity with 23 years of industry experience. His prior work includes positions at TD Ameritrade Investment Management, LLC and Scottrade, Inc. He holds Series 63 and Series 66 designations. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including managing model portfolios constructed through proprietary research and algorithmic methods. The firm also serves as a registered commodity pool operator and advises multiple registered investment companies.