Kathy Ray is a financial advisor at Stifel in Auburn, CA, holding a Series 66 designation with 20 years of industry experience. She has been with Stifel Nicolaus since 2008. Stifel serves a diverse client base, including individuals, institutional clients, and charitable organizations, providing brokerage and investment advisory services supported by a proprietary investment methodology developed by its Investment Strategy Group.

Mark Schumacher is a financial advisor at Edward Jones in Lincoln, CA, holding CFP®, ChFC®, and Series 66 designations with 17 years of industry experience. He has been with Edward Jones since 2008. Outside of his advisory work, he owns MVSA Investments LLC, a rental property business. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with approximately $1.01 trillion in assets under management, offering a range of advisory programs and affiliated investment products through a nationwide network of more than 23,700 advisors.

Steven Rutledge is a financial advisor with UBS Financial Services in Roseville, CA, holding Series 63 and Series 65 licenses and having 32 years of industry experience. He has been with UBS since 2003. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, employing proprietary capital market assumptions, model-based asset allocations, and research to tailor financial plans. The firm combines institutional trading capabilities with wealth management services and offers a broad range of capital markets and investment solutions.

Marcella Lees is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and 35 years of industry experience. She previously worked at Ameriprise Financial Services for 13 years and Merrill for 11 years before joining LPL Financial. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plans, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management solutions, supported by a large network of advisors and a diverse platform that includes model portfolios, third-party subadvisors, and institutional programs.

Hayden Sabido is a financial advisor at Fidelity with six years of industry experience. He holds Series 63 and Series 66 designations and has worked at Fidelity Brokerage Services since 2020. His prior experience includes roles at New York Life Insurance, Pro Unlimited, and Franklin Templeton Investments. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and charitable funds. The firm employs a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction across a broad range of investment vehicles.

Alfred Hymans is a CFP® professional affiliated with OSAIC, with 24 years of experience in the financial services industry. His prior roles include positions at Securities America Advisors and Voya Financial Advisors. He is the president and CEO of Hymans & Associates, Inc., and serves on the boards of Nordahl Hall, a nonprofit organization, and the Sons of Norway International Foundation. Additionally, he provides pro bono financial coaching to widows through the Wings for Widows program. OSAIC serves a diverse client base including retail and institutional investors, offering integrated brokerage and advisory services, financial planning, and access to third-party money managers. The firm employs asset allocation tools and risk evaluation methodologies to construct customized portfolios across various investment types.

Johnathan Wilson is a CFP®-designated financial advisor with Stifel in Roseville, CA, bringing 27 years of industry experience. He has been with Stifel Nicolaus & Co. Inc since 2012. Outside of finance, he participates in commercials and movies as a member of the Screen Actor's Guild. Stifel serves a broad client base including individuals, institutional clients, and charitable organizations, providing brokerage and investment advisory services. The firm’s investment approach relies on proprietary models developed by its Investment Strategy Group to support asset allocation, retirement, and estate planning analyses.

Virginia Moye is a financial advisor with Robert W. Baird & Co. in Grass Valley, CA, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. She has been with Robert W. Baird & Co. since 2009. She is part of The DDK Group, a team within Robert W. Baird & Co.’s Private Wealth Management practice that serves individuals, families, pensions, corporations, and charitable organizations. The group offers tailored financial planning and portfolio management services, utilizing both in-house and third-party managers to implement strategies aligned with client goals and risk tolerances.

Craig Barker is a CFP® with 33 years of industry experience. He currently works at Raymond James & Associates and previously held roles at Stifel Nicolaus & Co Inc, Wells Fargo Clearing, and A. G. Edwards & Sons, Inc. Barker has also been associated with FINRA for 15 years. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, charitable organizations, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

James Scherer is a financial advisor with LPL Financial in Loomis, CA, holding Series 63 and Series 65 licenses and 29 years of industry experience. He has been with LPL Financial since 2005, following prior roles at Banc of America Investment Services, Quick & Reilly, and Wells Fargo Clearing. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a wide range of advisory and brokerage services, including financial planning and model portfolio programs, supported by a large network of investment adviser representatives.

Daniel Beaulieu is a financial advisor at Charles Schwab with Series 63 and Series 65 licenses and four years of industry experience. His prior roles include positions at Bank of America, Merrill, Equitable Advisors, and Huntington National Bank. Outside of his advisory work, he has worked as a personal trainer through Wild Active LLC. 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 offers both non-discretionary investment guidance and access to discretionary separately managed accounts, combining scale with integrated brokerage, custody, and advisory services.

Elizabeth Keyser is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 credentials and having 10 years of industry experience. Her prior roles include positions at Prudential Insurance Company of America, Pruco Securities, LLC, and Lincoln Financial Securities Corporation. She is based in Roseville, California. LPL Enterprise, LLC serves a diverse client base including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm’s investment approach is primarily model-driven, using portfolios developed by LPL’s Research Department and third-party strategists, and it offers financial planning, third-party asset manager access, and insurance product facilitation.

Anya Bilivsky is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and having two years of industry experience. She has been with LPL Financial since 2019 and has a long-term association with SAFE Credit Union dating back to 2004. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management solutions, utilizing various strategies and tools to support advisors.

Stan Leavitt is a financial advisor with Ameriprise in Granite Bay, CA, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He worked at Merrill from 1998 to 2017 before joining Ameriprise Financial Services Inc., where he served from 2017 to 2020, and then Ameriprise from 2020 to the present. Ameriprise offers retirement-income planning services aimed at individuals approaching or in retirement, combining research, modeling, and tax-efficiency analysis to provide written Recommendation Reports. The firm serves clients with at least $1 million in net investable assets and integrates advisory, brokerage, and insurance solutions through affiliated companies.

Carter Morrison is a financial advisor at OSAIC with 43 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at American Portfolios Financial Services, Inc. and Western International Securities, Inc. Outside of his advisory role, he is a silent partner in CrossFit Anywhere, contributing personal training expertise. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations through affiliated advisors and multiple advisory platforms. The firm provides integrated brokerage and investment advisory services featuring portfolio construction tools, managed accounts, and access to third-party money managers.

Taylor Knapp is a Financial Consultant at Fidelity Investments, a role held since 2022. They have been part of Fidelity since 2020, progressing through positions including Investment Consultant, Relationship Manager, Financial Representative, and Customer Relationship Advocate. Taylor focuses on understanding clients' priorities to tailor financial plans suited to their unique situations. They assist clients in utilizing the resources available through Fidelity to support their financial goals. Taylor holds a California Insurance License.

Richard Shaum is the Branch Leader at Fidelity Investments, where he has been serving since 2019. In this role, he leads a team dedicated to partnering with clients to meet their financial goals while adhering to the firm's standards of care. He emphasizes careful listening to clients' needs and prudent planning to help secure their financial futures, always prioritizing the clients' interests. Prior to his current position, Richard has held several roles at Fidelity Investments, including Team Leader Client Services from 2017 to 2019, Onboarding Coach from 2016 to 2017, Learning and Development Loan from 2015 to 2016, and HNW Associate from 2014 to 2015. He holds a California Insurance License. Outside of his professional responsibilities, Richard has personal interests that include baseball, football, and spending time with pets.

Matthew Zerhusen is a financial advisor with Robert W. Baird & Co. in Roseville, CA, holding a Series 66 designation and 18 years of industry experience. His prior roles include positions at Wells Fargo Clearing, Wells Fargo Advisors LLC, and Placer Sierra Bank/Wells Fargo Bank. Outside of finance, he has ownership in a photography business operated with his spouse. He is part of The DDK Group within Baird’s Private Wealth Management department, which serves individuals, corporate clients, pensions, and charitable organizations. The firm offers a range of financial planning and portfolio management services, utilizing a mix of internally researched SMA strategies and advisory solutions.

Aliah Diaz is a financial advisor at Osaic Wealth, Inc. with a Series 66 designation. Diaz has recently begun a career in financial advising, joining Osaic Wealth in 2026 after roles in education and technology sectors. Osaic Wealth, Inc. serves a wide range of retail and institutional clients, including high-net-worth individuals and charitable organizations, through a large network of affiliated advisors. The firm offers integrated brokerage and advisory services, using proprietary asset allocation tools and third-party platforms to manage diverse portfolios across multiple investment options.

Elizabeth Waschow is a financial advisor at Stifel with 19 years of industry experience. She holds the Series 66 designation and has been with Stifel Nicolaus & Co. Inc. since 2015. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, offering both brokerage and investment advisory services. The firm’s investment approach utilizes a proprietary methodology developed by its Investment Strategy Group, which incorporates forward-looking capital market assumptions and probabilistic modeling.