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.

Senh Ly is a financial advisor with LPL Financial in Sacramento, CA, holding Series 63 and Series 66 licenses and bringing 21 years of industry experience. He has been with LPL Financial since 2007 and has a concurrent role at Golden 1 Credit Union since 2005. Outside of advising, he is also active as a real estate agent assisting clients in buying and selling properties. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a large network of investment adviser representatives. The firm offers a range of advisory programs and financial planning services, providing both discretionary and non-discretionary management supported by research and technology.

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.

Trevor Glenn II is a financial advisor at LPL Financial with 20 years of industry experience. He holds the Series 63 and Series 66 designations. His prior experience includes roles at Crown Capital Security LP and Quest Securities, Inc. Outside of his advisory work, he has been involved with Paradigm Mortgage Corporation, a mortgage and real estate services business he has operated since 1993. 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, supported by research and multiple portfolio management options.

Michael De Philippis is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. He worked at Edward Jones for 18 years before joining Raymond James Financial Services Advisors in 2022. Outside of his advisory role, he is president of Barrier Reef Investments, a financial planning firm. Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to individuals, high-net-worth clients, pension plans, corporations, charitable organizations, and institutional clients. The firm offers tailored, non-discretionary planning using risk profiling and modeling tools and supports municipal and public finance work through a unique affiliation with a municipal advisor.

Kyle Harlow is a financial advisor with Raymond James Financial who holds Series 63 and Series 66 licenses and has 10 years of industry experience. His prior experience includes roles at Edward Jones, Legg Mason Investor Services, and Franklin Templeton Financial Services. 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 offers tailored non-discretionary planning and consulting using advanced analytical tools and supports a broad network of advisors and affiliated firms.

Philip Waelbrock is a financial advisor at Edward Jones in Elk Grove, CA, holding a Series 66 designation with six years of industry experience. Prior to joining Edward Jones in 2020, he worked at Medtronic and has been involved with the Cal North Referee Association since 2015. Outside of his advisory role, Waelbrock coaches junior varsity women's soccer and serves as a soccer referee for recreational and competitive games. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of advisory programs, managed solutions, and affiliated investment products. The firm operates under a fiduciary standard and supports a nationwide network of over 23,000 financial advisors.

Manuel Provedor is a financial advisor at Fidelity with 21 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Principal Securities from 2016 to 2022 before joining Fidelity Investments. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including an IRS-qualified Charitable Gift Fund and registered investment companies. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios across various asset classes.

Javier Cardenas is a CFP®-designated financial advisor with 26 years of industry experience, currently with Cetera. His prior firms include Avantax and Oppenheimer & Co Inc. He is based in Elk Grove, CA. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with various portfolio management options and serves over 800,000 clients through more than 10,000 advisors.

Hubert Stokes is a financial advisor at Edward Jones with 21 years of industry experience, including 16 years at Principal Funds prior to joining Edward Jones in 2024. He holds the Series 66 designation and is based in Elk Grove, CA. 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 large network of financial advisors and branch offices nationwide.

Ryan Settle is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and 17 years of industry experience. He has worked at J.P. Morgan Securities since 2018 and previously spent nine years at Merrill Lynch, Pierce, Fenner & Smith Inc. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering recommendations on a non-discretionary basis while clients retain final decision authority.

Linda Freeling is a financial advisor at Merrill with 19 years of industry experience. She holds a Series 66 designation and has worked at Bank of America and Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2014. 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.

Nancy Dao is a financial advisor with Merrill in Elk Grove, CA, holding a Series 66 designation and three years of industry experience. Prior to joining Merrill and Bank of America in 2023, she was part owner of a family fast food restaurant and was involved in other business ventures. The restaurant ceased operations in 2022. 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.

Cliff Xu is a financial advisor at Edward Jones in Elk Grove, CA, holding Series 63 and Series 65 licenses with eight years of industry experience. Prior to joining Edward Jones in 2022, he worked at Wells Fargo Bank NA and Wells Fargo Clearing Services LLC for five years, as well as BBVA Securities Inc and related entities for two years. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Cheri Yu is a financial advisor at Fidelity with 28 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Morgan Stanley and LPL Financial, among other firms. Fidelity, through its Strategic Advisers LLC division, provides investment management and advisory services to retail and institutional clients, employing a process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its roles as a commodity pool operator and advisor to multiple registered investment companies, as well as for its use of algorithmic methods and AI in research.

Joel Hemmings is a financial advisor at OSAIC with 32 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Securities America Advisors, Inc. and SECURITIES AMERICA, inc. from 2008 to 2024. Hemmings is also a principal at RIOS & ASSOCIATES, INC., where he spends part of his time managing securities and insurance activities. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisers. The firm offers integrated brokerage and advisory services, utilizing various tools and third-party platforms to construct portfolios across multiple asset classes, with both discretionary and non-discretionary management options.