Sylvia Regalado is a financial advisor with Charles Schwab, holding a Series 66 designation and two years of industry experience. Her prior roles include positions at Rocket Mortgage LLC and Edge Home Finance Corporation. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services, offering both non-discretionary and discretionary investment options with a multi-asset model portfolio approach.

Douglas Crumley Jr. is a financial advisor at Ameriprise with 21 years of industry experience. He holds a Series 66 designation and has been with Ameriprise and its affiliated entities since 2005. Ameriprise offers specialized retirement-income planning services for individuals approaching or in retirement who meet certain asset criteria. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Dexter Loo is a financial advisor at LPL Financial with 21 years of industry experience. He holds Series 63 and Series 66 credentials and has been with LPL Financial since 2009. Outside of his advisory role, he operates a business under the name Dennis Loo & Associates. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm provides financial planning, advisory programs, retirement plan consulting, and brokerage services, offering both discretionary and non-discretionary management supported by research and model portfolios.

Michael Levitt is a financial advisor at Edward Jones in Fair Oaks, CA, holding a Series 66 designation. He has one year of industry experience, previously working at World Financial Group and with a background that includes roles at Kaiser Permanente, Washington Hospital, and Santa Clara Valley Medical Center. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients with a range of investment strategies and advisory services. The firm manages approximately $1.01 trillion in assets through a nationwide network of over 23,000 financial advisors and emphasizes both discretionary and non-discretionary portfolio management under a fiduciary standard.

Loel Heupel is a financial advisor with LPL Financial in Sacramento, CA, holding Series 63 and Series 65 credentials and having 31 years of industry experience. He has been with LPL Financial since 2008. His other business activities include offering non-variable insurance products and serving as an employee benefits consultant. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, financial institutions, and charitable organizations through a national network of investment adviser representatives. The firm provides financial planning, advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management with access to model portfolios and research.

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.

Kristin Knight is a Financial Consultant at Fidelity Investments, a position she has held since 2024. Prior to this role, she worked as an Investment Consultant at Fidelity Investments from 2022 to 2024 and as a Financial Representative at the same company from 2021 to 2022. Before joining Fidelity Investments, Kristin was a Field Manager at Appreciation Financial from 2019 to 2021. In her work, Kristin collaborates with clients to develop personalized wealth plans aimed at achieving financial success. She focuses on building relationships that align personal and business values, fostering partnerships based on trust, advisement, and forward progress. Kristin holds a California Insurance License. Outside of her professional responsibilities, Kristin's personal interests include family activities, golf, hiking, parenthood, reading, and traveling.

Norma Casanova is a financial advisor with Wells Fargo Advisors based in Sacramento, CA. She holds Series 63 and Series 66 licenses and has 26 years of industry experience. Prior to her current role starting in 2022, she worked at Wells Fargo Clearing and Wells Fargo Advisors LLC since 2009. Casanova also owns and operates Healthy Wealthy Life LLC, a financial practice unrelated to her trading activities. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of investment and financial planning services tailored to clients meeting a net-worth threshold, utilizing Wells Fargo research and planning tools to develop personalized recommendations.

Paul Lacoste is a financial advisor at Charles Schwab with 28 years of industry experience. He holds Series 63 and Series 66 licenses and has been associated with Charles Schwab since 1999. Outside of his advisory role, he manages a small residential rental business in Sacramento. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment guidance using multi-asset model portfolios and centralized custodial and brokerage services.

Anthony Lopipero is a financial advisor with UBS Financial Services in Sacramento, CA, holding a Series 66 designation and bringing five years of industry experience. He has been with UBS since 2020 and also works as a bartender at Vanessa's Bistro. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, providing services such as fee-based financial planning, portfolio management, and capital markets solutions. The firm combines institutional trading capabilities with wealth management services through a network of financial advisors using proprietary research and model-based asset allocations.

Adam Wilson is Vice President and Financial Consultant at Fidelity Investments, where he has been serving clients in the Sacramento area since 2006. In his role, he partners with clients to develop financial plans and investment strategies tailored to their goals. Over the years, Adam has built enduring relationships with many clients who value his knowledge of markets and experience with investment strategies. Adam's career at Fidelity Investments includes progressive roles such as Financial Consultant, Investment Consultant, Senior Investment Representative, Investments Representative, and Financial Representative. He holds a California Insurance License, supporting his ability to address a range of financial needs. Outside of his professional work, Adam enjoys boating, camping, playing musical instruments, scuba diving, swimming, and traveling.

James Limoncelli is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. He has worked with Wells Fargo Clearing since 2016 and previously with Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Yu Ye is a financial advisor at LPL Financial with six years of industry experience. Ye holds Series 63 and Series 66 credentials and has worked at several firms, including New York Life Insurance Company and Nylife Securities LLC. Outside of advisory roles, Ye is involved with Golden 1 Credit Union. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of financial planning and advisory programs, combining discretionary and non-discretionary management with research-supported model portfolios and various institutional services.

Michael Hardy is a financial advisor with UBS Financial Services in Sacramento, CA, holding Series 63 and Series 65 credentials and 30 years of industry experience. He has been with UBS since 2009. Outside of his advisory role, he serves on the board of the Gift of Love Foundation, a nonprofit focused on supporting local children’s hospitals and encouraging youth philanthropy. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and advisory offerings, combining institutional trading capabilities with wealth management services. The firm’s advisory approach utilizes proprietary research and model-based asset allocations tailored to clients’ goals and risk tolerances.

Dawn Silva is a financial advisor at Edward Jones in Folsom, CA, holding CFP® and Series 66 credentials with 17 years of industry experience. She has been with Edward Jones throughout her career since 2009. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs and investment options, 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.

Colton Hamman is a CFP® and holds a Series 66 designation, currently affiliated with Charles Schwab. He has two years of industry experience, including roles at Charles Schwab Bank and Charles Schwab since 2023. Prior to his financial advisory career, he worked at Door Dash and held various positions related to education and sports in the Sacramento area. Charles Schwab & Co., Inc. serves a broad client base that primarily includes high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program. The firm offers both non-discretionary and discretionary investment management solutions, combining extensive scale with integrated custody, brokerage, and advisory services.

Kirk Camunez is a financial advisor with Edward Jones in Gold River, CA, holding a Series 66 designation and 23 years of industry experience. He has been with Edward Jones since 2004. 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 nationwide network of advisors and branch offices.

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.

Lacey Young is a financial advisor with LPL Financial, holding a Series 66 designation and seven years of industry experience. She has worked at LPL Financial since 2023 and previously spent ten years with Securities America, inc. and Securities America Advisors. In addition to her advisory role, she is a commissioned notary in the state of California. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and access to research from LPL Research and third-party subadvisors.