Rachelle Miguel is a financial advisor with UBS Financial Services in Roseville, CA, holding a Series 66 designation and bringing 17 years of industry experience. She worked at Merrill from 2009 to 2022 before joining UBS in 2022. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, offering fee-based financial planning, portfolio management, and access to mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services, providing proprietary research and affiliated banking and lending programs.

Garrett Lucchesi is a financial advisor at Morgan Stanley with 16 years of industry experience. He holds a Series 66 designation and has worked previously at Charles Schwab, TIAA, and E*TRADE. Morgan Stanley Wealth Management serves individual and institutional clients by providing a range of advisory programs and tailored financial planning, managing approximately $2.74 trillion in client assets. The firm’s financial planning process uses structured discovery conversations and firm-approved tools, emphasizing advisory services without providing individual security recommendations in standalone plans.

John Watts is a CFP® professional with 35 years of industry experience, currently serving at MassMutual Investors Services since 1994. He is also an insurance agent specializing in health and group life/health insurance. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser offering financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides customized planning using firm-approved tools and offers event-driven planning services such as estate settlement and divorce planning.

Jeffrey Olsen is a financial advisor with Raymond James & Associates, holding Series 63, 65, and 66 licenses and bringing 25 years of industry experience. Prior to joining Raymond James in 2023, he worked at Morgan Stanley in various capacities from 2010 to 2023. He serves as president of the board for a family-held corporation involved in managing land and mineral rights. Raymond James & Associates is a large, dually registered broker-dealer and investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning and consulting through a variety of non-discretionary advisory programs and specialized municipal advisory services.

Shoaib Sarwar is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 designations and 10 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at WELLS FARGO Advisors, LLC and Wells Fargo Bank, N.A. Outside of his advisory role, he works as a Lyft driver in Sacramento, CA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s process is IPS-driven and includes a range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Luz Meraz Johnson is a financial advisor with LPL Financial in Granite Bay, CA, holding a Series 66 designation and 19 years of industry experience. She has been with LPL Financial since 2010. Outside of her advisory role, she is involved as a wellness advocate with DoTerra and participates in a training and education program through Aging Well of CA LLC. 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 financial planning and advisory programs, retirement consulting, and brokerage services supported by research from LPL Research and third-party subadvisors.

David Degrandmont is a financial advisor with Wells Fargo Clearing in Roseville, CA, holding a Series 66 designation and seven years of industry experience. His prior roles include positions at Bank of America and Merrill. Wells Fargo Clearing provides retirement plan consulting for qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services grounded in an IPS-driven process and modern portfolio theory. The firm’s offerings include a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Christopher Petralli is a financial advisor with Morgan Stanley in Roseville, CA, holding a Series 66 designation and 18 years of industry experience. His career includes roles at Morgan Stanley Private Bank and Wells Fargo Clearing. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets. The firm’s planning process utilizes structured discovery and firm-approved tools, emphasizing advisory services without providing individual security recommendations as part of standalone planning.

Reginald Willhite is a financial advisor at LPL Enterprise with four years of industry experience. He holds the Series 66 designation and has previously worked at The Prudential Insurance Company of America, Pruco Securities LLC, Stryker, and Allergan PLC. Willhite operates under the Katz Team and Katz Group DBAs, through which he offers comprehensive wealth management services including financial planning, investment management, and insurance solutions. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, and institutions, providing services through advisory and brokerage channels. The firm combines adviser programs with active financial product sales and utilizes third-party asset managers and model portfolios in its investment approach.

Vladislav Avdeyuk is a financial advisor affiliated with LPL Financial, holding a Series 66 credential and with five years of industry experience. He has worked with LPL Financial since 2016 and has also been involved with Mariner Independent Advisor Network, LLC. Outside of his advisory role, he provides administrative support to Mariner Independent Advisor Network, an independent investment advisor firm. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a large national network. The firm offers a range of advisory programs, financial planning, and retirement consulting services, employing both discretionary and non-discretionary management with access to various model portfolios and research resources.

Steven Hudgins is a financial advisor at Robert W. Baird & Co. with 32 years of industry experience. He holds Series 63 and Series 65 credentials and has worked previously at Stifel Nicolaus & Co., Wells Fargo Clearing, Wells Fargo Advisors LLC, Morgan Stanley, and A. G. Edwards & Sons, Inc. He is part of The DDK Group within Robert W. Baird’s Private Wealth Management department, which serves individuals, corporate and business clients, pensions, profit-sharing plans, and charitable organizations. The firm offers a range of services including financial planning, portfolio management through separately managed accounts, and municipal advisory services, supported by ongoing manager selection and internal research.

Sean Lucas is a Senior Vice President and Wealth Management Advisor with Merrill Lynch Wealth Management, where he is a partner in the Lucas Cronin Group. He began his financial services career in 1995 and focuses on building long-lasting relationships with clients by delivering a comprehensive approach to wealth management. Sean’s approach emphasizes understanding clients’ life priorities to create personalized strategies tailored to their goals and aspirations. Sean and the Lucas Cronin Group serve business owners, executives, entrepreneurs, and families with services that include personal retirement planning, portfolio management, and retirement income strategies. The team combines modern wealth management techniques with access to Bank of America’s banking services to simplify clients' financial lives. Sean holds multiple professional designations including Chartered Financial Consultant (ChFC), Certified Financial Planner (CFP), Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Sean earned a bachelor’s degree from the California State University System. Outside of his professional work, he enjoys music, spending time with his family, and watching movies.

Richard Osen III is a financial advisor at Ameriprise in Sacramento, CA, holding a Series 66 designation. He began his advisory career at Ameriprise in 2024 after prior roles at Sutter Builders, Strike Tax, and positions at two country clubs and a high school. Ameriprise provides retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficient strategies to deliver tailored recommendation reports. The firm operates as a large institutional provider offering a broad range of advisory, brokerage, and insurance solutions.

Ashish Desai is a financial advisor with LPL Enterprise in Roseville, CA, holding Series 63 and Series 65 credentials and three years of industry experience. His prior roles include positions at NYLIFE Securities LLC and New York Life Insurance Company. LPL Enterprise serves a diverse range of clients, including individuals, retirement plans, nonprofits, corporations, and institutional clients, offering both advisory and brokerage services through a platform that integrates financial planning, model portfolios, third-party asset management, and insurance products.

Alexander Cushner is a financial advisor at Robert W. Baird & Co. with 33 years of industry experience. He has been with Robert W. Baird since 2011 and holds Series 63 and Series 65 licenses. Outside of his advisory role, Cushner serves as a board member of the Mill Valley Community Golf Board and is a limited partner in a local gastrobar. He is part of the DDK Group within Robert W. Baird’s Private Wealth Management practice, which provides tailored financial planning and portfolio management services to individuals, families, institutions, and charitable organizations, utilizing a range of traditional and non-traditional investment strategies.

Preston Daniells is a financial advisor at Robert W. Baird & Co. with 19 years of industry experience. He has held his current position at Robert W. Baird since 2011 and holds Series 63 and Series 65 licenses. He is part of The DDK Group within Robert W. Baird’s Private Wealth Management practice, which serves individuals, families, pensions, corporations, charitable organizations, and institutional clients. The group offers tailored consulting and portfolio services using a variety of investment strategies and management approaches.

Ken Crawford is a Wealth Management Advisor at Merrill Lynch Wealth Management. He has been in the financial industry since 1990, focusing on understanding the needs and objectives of high-net-worth clients. Ken builds long-lasting relationships by guiding clients through complex financial markets and implementing personalized wealth management strategies. He frequently works with physicians, entrepreneurs, and executives in health care and business to develop investment and retirement plans. Ken holds a Bachelor's degree in Business and Finance from San Jose State University. He completed the Executive Education Program in Investment Management at the University of Chicago Booth School of Business. His professional designations include Certified Plan Fiduciary Advisor (CPFA), Certified Private Wealth Advisor (CPWA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He is qualified to manage discretionary investment strategies and select from a wide range of Merrill Lynch Wealth Management model portfolios and third-party strategies. In addition to his professional responsibilities, Ken participates in community service by volunteering with local organizations. His personal interests include fishing, golfing, and traveling. He works closely with clients, one-on-one, to develop financial strategies tailored to their long-term goals.

Donna Cirelli is a financial advisor with Primerica Advisors, holding the PFS™ and Series 63 designations and bringing 27 years of industry experience. Her background includes roles at the US Treasury/IRS and a long tenure with Primerica Financial Services. Outside of advising, she is a partner at Muller & Associates, a CPA firm focused on tax preparation and accounting. Primerica Advisors serves primarily individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm offers a wrap-fee asset management program using model-driven strategies created by unaffiliated asset managers and supported by custodial services from Pershing.

James Moll is a financial advisor at Stifel with 40 years of industry experience. He has been with Stifel Nicolaus & Co Inc since 2011. Outside of his advisory work, he serves on the Board of Directors for Oroville Hospital, is president of the State Theater Arts Guild, participates on the City of Oroville Economic Loan Development Committee, and is the author of the novel "Sequoia Chronicles." Stifel serves a broad range of clients, including individuals, institutional clients, charitable organizations, and municipal entities, offering both brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group, providing asset allocation and planning analyses intended as a basis for client decisions.

Christine Forter is a financial advisor with LPL Financial, holding a Series 66 designation and bringing 19 years of industry experience. Her prior roles include work at Waddell & Reed, Inc and various insurance carriers, as well as operating her own advisory business from 2014 to 2021. She is also involved with Associates of Clifton Park, a non-variable insurance organization. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, financial institutions, corporations, and nonprofits. The firm offers a range of advisory programs, financial planning, and brokerage services supported by research and model portfolios, with both discretionary and non-discretionary management options.