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.

Ayorinde Akinwande is a financial advisor with Morgan Stanley in Sacramento, CA, holding Series 63 and Series 66 designations and six years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2018 and previously held roles at PFS Investments Inc, Bensource Employee Benefits, Primerica Financial Services, and Georgia State University. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and analytical models. The firm manages approximately $2.74 trillion in client assets and delivers services both directly and through corporate agreements.

Harrison Paschal is a financial advisor at Morgan Stanley in Sacramento, CA, holding the Series 66 designation with less than one year of industry experience. Prior to joining Morgan Stanley, he worked in various roles across sectors including education with Vacaville Unified School District and retail with Lululemon Athletica. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs and employs a structured financial planning process supported by firm-approved tools and model-based outcome simulations.

Abraham Serrano is a Series 66-registered financial advisor with LPL Financial, based in Sacramento, CA, and has three years of industry experience. He has prior employment history with Leatherby's Family Creamery and The Golden 1 Credit Union. Serrano currently works at both LPL Financial and Leatherby's Family Creamery in a non-investment capacity. 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. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing model portfolios, third-party subadvisors, and various technologies including machine learning.

Maurice Seitter is a financial advisor at Fidelity with 19 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Transamerica Investors Securities Corporation, Transamerica Life Insurance Company, and Loring Ward Financial Inc. His background also includes roles outside of finance, such as at Whole Foods Market. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm employs a combination of fundamental research and quantitative analysis in constructing model portfolios from mutual funds, ETFs, and ETPs, and it is noted for its use of algorithmic methods and formal advisory roles to various registered investment entities.

Prabhvinder Sarai is a financial advisor with Ameriprise in Roseville, CA, holding a Series 66 designation and two years of industry experience. Prior to joining Ameriprise, Sarai worked at Turkey Creek Golf Club and has experience in educational and nonprofit sectors, including roles at Sacramento State University, Goodwill Industries, and Sierra College. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, with a specialized Premier Retirement Income service that provides written recommendation reports and annual retirement income planning advice focused on dependable income and tax-aware withdrawal strategies.

Christopher Castillo is a Senior Financial Advisor at Merrill Lynch Wealth Management. He returned to the financial services industry in 2017 following a 22-year career with the Federal Bureau of Investigation and serves clients from his office in Sacramento. Christopher works as part of a larger team focusing on retail and small business clients, providing services Monday through Friday with availability for Saturday appointments for busy professionals. He holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Certified Private Wealth Advisor (CPWA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Christopher specializes in addressing the unique financial needs of business owners, executives, and high net worth families. His expertise includes portfolio management, individual and corporate investment strategy, executive compensation, and retirement planning. He utilizes the resources of Merrill Lynch Wealth Management and Bank of America to assist clients in building wealth. Christopher earned a Bachelor's Degree in Mathematics from the University of California. He is a member of several professional organizations such as the Marine Corps League, Rotary Club of Fair Oaks, Society of Former Special Agents of the Federal Bureau of Investigation, and Veterans of Foreign Wars in Folsom, CA. His community involvement includes participation with the Best Friends Animal Society and Rotary Fair Oaks. Christopher speaks English and Spanish.

Jacob Numainville is a financial advisor at Fidelity with Series 63 and Series 66 licenses and three years of industry experience. His background includes positions at Fidelity Investments, Equitable Advisors, and Montage Healdsburg. 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 proprietary research process combined with quantitative analysis and algorithmic portfolio construction to manage model portfolios across various asset classes.

Chandler Stone is a financial advisor at OSAIC, holding a Series 66 designation. He has been in the industry since 2025 and has prior experience with Sierra Consulting Group, Yarro Studios Inc, TR Innovations LLC, and Kidnected World. OSAIC Wealth, Inc. serves a diverse range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and advisory services, financial planning, retirement consulting, and access to third-party money managers. The firm employs asset-allocation tools and automated rebalancing to manage portfolios across various asset classes, supporting both discretionary and non-discretionary account management.

Franklin Rockwell is a financial advisor with Wells Fargo Clearing in Sacramento, CA, holding a Series 66 designation and seven years of industry experience. He previously worked at AXA-Advisors, LLC and has held various roles including at Mindbody and Cal-Poly ASI. Outside of finance, he owns and operates a vending machine business in Roseville, 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 advisory services grounded in modern portfolio theory. The firm’s approach includes a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Robert Vaughn is a financial advisor with Primerica Advisors in Rancho Cordova, CA, holding Series 63 and Series 65 licenses and with 26 years of industry experience. He has been with Primerica Advisors since 2006 and Primerica Financial Services since 1997. Outside of investment advisory services, he is involved in sales of loan products and home security and automation referrals through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed account options. The firm curates third-party asset managers and uses a tiered wrap fee structure, emphasizing a curated investment approach rather than institutional plan management.

Susanne Zito is a financial advisor with LPL Financial in Sacramento, CA, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. She has been with LPL Financial since 2015 and operates Zito Wealth Management as a DBA for her LPL business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a diverse client base including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Kristin Zehnder is a financial advisor at Raymond James & Associates with 27 years of industry experience. She holds the Series 63 and Series 66 designations and previously worked at Merrill for 16 years. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutional and pension plans, charitable organizations, and municipal entities, offering financial planning, investment consulting, and institutional fiduciary services through a range of portfolio management styles and affiliated research.

Radu Prisakar is a financial advisor with Charles Schwab, holding a Series 66 designation and 17 years of industry experience. His prior experience includes roles at Wells Fargo Clearing and WELLS FARGO Advisors, LLC. He also serves in the U.S. Army Reserve as an NCO. 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 a mix of non-discretionary and discretionary investment guidance, with a multi-asset, model portfolio approach and integrated custody and brokerage services.

Sarah Torres is a Series 66 licensed financial advisor at Wells Fargo Advisors with six years of industry experience. She has been with Wells Fargo Clearing since 2006 and joined Wells Fargo Advisors Financial Network in 2026. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that offers investment and financial planning services to individuals, trusts, and institutions. The firm provides a broad range of planning services and integrates advisory solutions with other financial products and referral channels.

Kari Allen is a financial advisor at Edward Jones with a Series 66 designation and three years of industry experience. She has been affiliated with Edward Jones and Edward Jones Investments since 2009. Outside of finance, she has worked in a medical office performing therapy modalities and administrative duties. Edward Jones is a full-service wealth management firm serving a wide range of individual and institutional clients with over $1 trillion in assets under management. The firm offers discretionary and non-discretionary investment strategies, affiliated mutual funds, and operates under a fiduciary standard.

Anthony Owings is a CFP®-credentialed advisor with over 32 years of experience, currently affiliated with Raymond James Financial in Rocklin, CA. He previously worked at Legato Financial and Boomerang Business Solutions. Owings serves on the advisory board of Visit Truckee-Tahoe, contributing to sustainable tourism efforts in the region. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a wide range of clients, including individuals, high-net-worth clients, corporations, and institutional investors. The firm uses tailored, non-discretionary planning supported by advanced analytical tools and offers specialized advisory programs and consulting services.

Gilbert Valtierra is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and 12 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously held roles at Wells Fargo Advisors LLC and Wells Fargo Bank NA. Outside of his advisory work, Valtierra serves as president of the Saint Andrews Place HOA, hosts a local high school football radio broadcast, and produces a related podcast. 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 IPS-driven approach incorporates a range of investment options, including insurance-related products and bank deposit sweep programs, and it acts as an ERISA fiduciary when providing investment advice.

David Pinto is a financial advisor at Ameriprise with 22 years of industry experience. He holds the CFP®, ChFC®, and Series 63 designations. Prior to joining Ameriprise in 2018, he spent 15 years with Farmers Insurance Group and Farmers Financial Solutions. Pinto serves on the Board of Directors for NAMI Yolo County and participates in local business networking activities. Ameriprise offers retirement-income planning services primarily for individuals approaching or in retirement with substantial investable assets, combining research-driven modeling and tax-efficiency analysis to provide tailored, non-discretionary recommendations.

Andrew Fairbanks is a financial advisor at LPL Financial with 13 years of industry experience. He holds the Series 66 designation and has been with LPL Financial since 2012. Fairbanks also has a longstanding association 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 through a national network. The firm offers a range of advisory programs, financial planning, retirement consulting, and brokerage services utilizing both discretionary and non-discretionary management strategies.