Daniel Saelee is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at J.P. Morgan Securities LLC since 2012 and JPMorgan Chase Bank, NA since 2011. Prior to his current roles, he was employed at Cellular Experts Inc for 13 years. J.P. Morgan Securities LLC 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 investment strategies.

James Orchard is a financial advisor at Ameriprise with a Series 66 designation and less than one year of industry experience. His prior work includes roles in the hospitality sector and teaching at several California high schools and colleges. Ameriprise offers retirement-income planning services tailored for clients with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide non-discretionary, written recommendations through a centralized consulting team.

Franklin Anselmi is a financial advisor at J.P. Morgan Securities with 30 years of industry experience. He has been with J.P. Morgan Securities since 2013 and holds Series 63 and Series 65 licenses. J.P. Morgan Securities provides institutional consulting services to clients such as 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 affiliated brokerage and investment management capabilities.

Carl Wenger is a Series 66-licensed financial advisor with Edward Jones in Sacramento, CA, and has eight years of industry experience. He has been with Edward Jones since 2017 and previously worked at Shady Lady Inc from 2010 to 2017. 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 solutions supported by a large national network of financial advisors and branch offices.

David Kluenker is an Investment Consultant at Fidelity Investments, a role he has held since 2024. He focuses on understanding clients' needs and priorities to provide tailored perspectives and professional insights that support informed financial planning decisions. David has extensive experience in the financial services industry. Prior to his current position, he served as a Senior Investment Specialist at Principal Financial Group from 2019 to 2023, and as an Internal Wholesaler at the same firm from 2007 to 2019. He began his career as a Financial Representative with Northwestern Mutual from 2001 to 2007. He holds a California Insurance License. Outside of his professional work, David has personal interests that include cars, family activities, fitness, movies, skiing, and traveling.

Courtney Mcharg is a financial advisor with LPL Financial, holding a Series 66 credential and bringing 26 years of industry experience. She has been with LPL Financial since 2015. Outside of her advisory role, she is a volleyball coach at the Sacramento Waldorf School. LPL Financial serves a wide range of clients, including individuals, retirement plans, banks, corporations, and charitable organizations, offering financial planning, advisory programs, and brokerage services through a national network of investment adviser representatives. The firm provides both discretionary and non-discretionary management, supports diversified and alternative strategies, and offers various institutional programs and advanced portfolio management technologies.

Mercy Maina is a financial advisor with Equitable Advisors in Roseville, CA, holding a Series 66 credential and six years of industry experience. Her prior roles include positions at Tesla, California Air Resources Board, and several educational institutions. She is also involved with an independent wealth management venture, Impact Wealth Management. Equitable Advisors serves a wide range of clients, including individuals, pension plans, corporations, and charitable organizations, providing financial planning, retirement consulting, and asset management programs through a network of Investment Adviser Representatives. The firm utilizes various third-party advisory programs and focuses on personalized client assessment and matching to appropriate investment solutions.

John Lymath Jr. is a financial advisor at Cetera with 28 years of industry experience. He holds Series 63 and Series 65 designations and has previously worked at LPL Financial, SCF Securities, and Resource Investment Architects, among others. He also operates a wealth management business under a DBA related to his LPL activities. Cetera Investment Advisers LLC is a large nationwide network of independent advisors that serves individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management, financial planning, and retirement services with various program structures and access to both affiliated and third-party managers.

Denis Valle Jr. is a financial advisor at Wells Fargo Clearing in Sacramento, CA, holding Series 63 and Series 66 credentials with 27 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2011 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advisory services. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Nicole Fuentes is a financial advisor at Morgan Stanley in Menlo Park, California, with 21 years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley since 2009. Outside of her advisory role, she is a partner in She Rises Connective LLC, a retail and online store based in Sacramento, California. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools alongside investment modeling techniques.

Sterling Koliba is a financial advisor at Edward Jones with Series 66 credentials and four years of industry experience. He has served in the United States Air Force Reserve since 2014 and currently holds a role as a Staff Sergeant in the California Army National Guard, working as a Transportation Management Coordinator. 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 over $1 trillion in assets and offers a range of investment strategies, affiliated mutual funds, and tax-efficient services through a nationwide network of financial advisors and branch offices.

Lufino Mejorado is a financial advisor at Wells Fargo Clearing with 11 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Wells Fargo-related entities since 2013. In addition to his advisory role, he operates Timeless Music Productions as an audio engineer, providing sound engineering services for events. Wells Fargo Clearing offers retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, providing both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

Kimberly Ogden is a CFP®-designated financial advisor with 20 years of industry experience, currently with Cetera. She has been affiliated with Cetera Wealth Services since 2013 and operates a financial planning business under the name Atherton Wealth Advisors. In addition to advisory services, she is also licensed to sell fixed life insurance products. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with various portfolio management options, combining discretionary and non-discretionary authorities, and has more than 10,000 advisors managing over $256 billion in assets.

Matthew Hamilton is a financial advisor at Charles Schwab with six years of industry experience. He holds the Series 66 designation and has held positions at TD Ameritrade, New York Life Insurance Company, Edward Jones, and Tesla Inc. among others. Charles Schwab & Co., Inc. serves a large client base, 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 offers a combination of non-discretionary and discretionary investment management with a multi-asset model portfolio approach and centralized custody and order-routing arrangements.

Michael Fredrick is a financial advisor with Ameriprise Financial Services in Roseville, CA, holding Series 63, 65, and 66 credentials and 20 years of industry experience. He worked at DWS Investments Distributors, Inc. for 12 years prior to joining Ameriprise in 2022. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning focused on dependable income sources and tax-aware withdrawal strategies.

Jake Wilson is a financial advisor at OSAIC with 21 years of industry experience. He previously worked at Lincoln Financial Advisors for 21 years before joining OSAIC in 2025. Outside of his advisory role, Wilson is involved in farming activities, including ownership and management responsibilities at a family farm and chestnut orchard. OSAIC serves a diverse client base ranging from individual investors to corporations and charitable organizations, offering a wide range of brokerage and advisory services. The firm employs asset-allocation tools and automated rebalancing to manage portfolios that can include stocks, bonds, options, mutual funds, ETFs, and alternative investments.

Joshua Reider is a CFP® professional with 20 years of industry experience, currently affiliated with Cambridge Investment Research Advisors since 2019. He has prior experience with FSC Securities Corporation and American United Life. Outside of advisory work, he is registered as an independent insurance agent. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base that includes individuals, retirement plans, and charitable organizations. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals, employing a variety of portfolio management strategies and platform arrangements tailored to client objectives.

Joan Birdsell is a financial advisor at Ameriprise with 16 years of industry experience. She holds Series 63 and Series 66 licenses and has worked previously at BFC Planning, Inc. and Berthel Fisher & Company Financial Services, Inc. Ameriprise offers a retirement-income planning service targeting individuals with significant investable assets, providing detailed, non-discretionary recommendation reports that incorporate tax-efficient withdrawal strategies and Social Security claiming options. The firm combines research and modeling with automated and committee-reviewed processes to support its advisory services.

Deanna Martins is a financial advisor with OSAIC in Sacramento, CA, holding a Series 66 designation and three years of industry experience. She also owns a CPA firm through which she provides tax planning and prepares tax returns. In addition to her advisory role, she serves as co-trustee of a family living trust. OSAIC Wealth, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, employing various tools and third-party platforms to manage portfolios across a range of asset classes.

Caden Pascoe is a financial advisor at LPL Enterprise with a Series 66 designation and less than one year of industry experience. Prior to joining LPL Enterprise, Pascoe held various roles, including positions at Cintas and Blue Note Brewing Company, and worked in education at Woodland Christian School. LPL Enterprise serves a diverse client base ranging from individuals to institutional clients, offering financial planning, advisory, and brokerage services supported by a platform that integrates model portfolios, third-party asset management, and insurance products.