Mark Ward is a Senior Financial Advisor at Merrill Lynch Wealth Management in Sacramento, CA. In this role, he specializes in tailoring financial strategies for individuals, families, and businesses. His approach emphasizes understanding clients’ priorities and goals through thoughtful questions and meaningful conversations to develop personalized investment strategies. He continuously updates these strategies to help clients maintain progress toward their financial objectives amidst changing market conditions and life circumstances. Mark’s areas of focus include Family Wealth Management Strategies, Investment Consulting for Defined Contribution Plans, Managing New Wealth, Personal Retirement Planning, Portfolio Management Services, Individual and Corporate Investment Strategy, Tax Minimization, and Retirement Income. He holds the Personal Investment Advisor (PIA) designation and earned his education from the University of Colorado. In addition to his professional work, Mark participates in community service activities and volunteers with the Ronald McDonald House Charities. Outside of his advisory role, he enjoys adventure sports, boating, fishing, football, skiing, and swimming.

Jon Pierre Evans is a financial advisor with Morgan Stanley in Sacramento, CA, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. His career includes multiple roles at Morgan Stanley since 2018 and prior experience at Merrill from 2014 to 2018. Outside of advising, he is involved with SMS Ventures, LLC, a real estate business based in Las Vegas. Morgan Stanley Wealth Management offers a broad range of advisory services to individuals and institutional clients, emphasizing tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in assets and provides access to diversified investment programs alongside estate planning strategies.

Bradley Mitchell is a financial advisor with UBS Financial Services in Elk Grove, CA, holding a Series 63 designation and 39 years of industry experience. He has been with UBS since 1989. Outside of his advisory role, he serves as an industry arbitrator on FINRA securities arbitration panels and acts as a successor trustee managing the settlement of a family trust. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, supported by proprietary research and a broad platform of capital markets solutions.

Daniel Huegi Jr. is a financial advisor with LPL Financial in Sacramento, CA, holding a Series 66 designation and 11 years of industry experience. He has been with LPL Financial since 2014 and has worked at The Golden 1 Credit Union since 2008. 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, including discretionary and non-discretionary management, and provides access to research, model portfolios, and various investment strategies.

John Fletcher is a financial advisor with OSAIC, holding a Series 66 designation and 10 years of industry experience. He previously worked at Lincoln Financial Advisors Corporation for nine years before joining OSAIC in 2025. Outside of his advisory role, he operates a sole proprietorship selling sports cards. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations, offering a wide range of advisory and brokerage services through a large network of affiliated advisers. The firm employs various asset-allocation tools and supports multiple management approaches, incorporating stocks, bonds, options, mutual funds, ETFs, and alternative investments in client portfolios.

Jessica Wertz is a financial advisor with Charles Schwab in Sacramento, CA, holding Series 66, 65, and 63 licenses and bringing 12 years of industry experience. Her previous roles include positions at TD Ameritrade and Financial Engines Advisor LLC. Charles Schwab & Co., Inc. serves a large client base of 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers a multi-asset investment approach supported by dedicated research and alternative investment programs.

Svetlana Maksimovic is a financial advisor at Wells Fargo Clearing with nine years of industry experience. She holds Series 63 and Series 66 licenses and has been with Wells Fargo Clearing since 2016. Prior to that, she worked at Wells Fargo Bank, NA starting in 2014. 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 grounded in modern portfolio theory, with a broader range of financial product offerings that include insurance-related vehicles and bank deposit sweep options.

Sulaiman Zamanudin is a CFP® with 12 years of industry experience, currently advising at Wells Fargo Clearing since 2016. He previously worked at Wells Fargo Advisors LLC and has been associated with Wells Fargo Bank NA since 2004. 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 management grounded in modern portfolio theory. The firm’s services include investment policy statement preparation, investment recommendations, performance reporting, participant education, and plan benchmarking, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in its investment menus.

Amy Loring is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and 28 years of industry experience. She has previously worked at Robert W. Baird & Co. for 11 years and D.A. Davidson & Co. for one year before joining Wells Fargo Clearing in 2021. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering 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 vehicles and bank deposit sweep options among its investment offerings.

Nicholas Brown is a Senior Financial Advisor with Merrill Lynch Wealth Management, where he and his team apply their expertise to assist families, businesses, and foundations in managing wealth’s complexities and opportunities. They focus on delivering a proactive and tax-efficient investment process covering short-, intermediate-, and long-term retirement income planning. Nick supports clients through discretionary management of customized investment strategies, utilizing Merrill Lynch model portfolios and third-party options, with services including retirement income and projection analysis, tax minimization, 401(k) rollovers, estate planning, education funding, and charitable giving. Nick began his financial services career in 2017 at Forester’s Financial, developing strategies for public service professionals including teachers, firefighters, and police officers. He holds a bachelor’s degree from the California State University system and the professional designations of CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA) and Personal Investment Advisor (PIA). He is a past president of the Active 20-30 Club of Sacramento No. 1, a charitable organization addressing the needs of underprivileged children, and actively participates in community service through Habitat for Humanity and as an Eagle Scout. Outside of his professional role, Nick lives in Folsom with his wife and dog. His personal interests include traveling, golfing, spending time with family, and supporting the Green Bay Packers.

Jayne Auble is a financial advisor with Morgan Stanley in Sacramento, CA, holding a Series 66 designation and six years of industry experience. She has worked at Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2019 and was previously employed at Insight Global from 2014 to 2019. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning that uses structured discovery conversations and firm-approved tools to model outcomes. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through Corporate Financial Planning agreements.

Heather Djuric is a financial advisor with Wells Fargo Clearing in Sacramento, CA, holding a Series 66 designation and 10 years of industry experience. She has worked at Wells Fargo Clearing since 2018 and previously spent four years at Morgan Stanley. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both non-discretionary and 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.

Adam Marcoux is a financial advisor at Edward Jones with three years of industry experience. He holds a Series 66 designation and previously worked at Morgan Stanley and Merrill. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a wide range of advisory programs and investment solutions, supported by a large network of financial advisors and branch offices nationwide.

Douglas Norton is a financial advisor at Wells Fargo Clearing with 23 years of industry experience. He holds a Series 66 designation and has been with Wells Fargo in various capacities since 2012. Outside of finance, he owns and operates a photography business based in Sacramento, CA. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services guided by an IPS-driven process grounded in modern portfolio theory. The firm serves institutional clients with tailored investment solutions and includes insurance-related vehicles and bank deposit sweep options among its offerings.

Kelley Grimes is a financial advisor at Morgan Stanley with 26 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2009 and holds Series 63 and Series 66 designations. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and modeling techniques.

Zachary Gomez is a financial advisor at Morgan Stanley in Sacramento, CA, holding Series 63 and Series 65 licenses. He has one year of industry experience and previously worked at Safe Credit Union, Best Buy, O'Reillys Auto Parts, Intech Mechanical, and Kids Camp. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, offering tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and serves clients through both direct and corporate financial planning agreements.

Aryan Manchanda is a financial advisor at OSAIC with three years of industry experience and holds a Series 66 designation. He previously worked at Lincoln Financial Advisors and has supported financial planning efforts through a role as a financial paraplanner at Retirement Security Centers. Manchanda has also been employed at Sierra College for nine years alongside his advisory career. OSAIC serves a diverse client base, including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and investment advisory services through a large network of advisers and employs a range of asset-allocation tools, third-party money managers, and unified managed accounts to construct portfolios across various asset classes.

Claudia Seelbach is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. She has been with Merrill and Bank of America N.A. since 2022 and previously worked at Bank of America N.A. from 2011 to 2022. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Jaime Caraveo Jr. is a financial advisor at Wells Fargo Clearing with four years of industry experience and holds a Series 66 designation. His prior work includes roles at U.S. Bancorp Investments, Bank of America, Merrill, and Wells Fargo Bank. He serves as a volunteer board member for the Rancho Cordova Little League, assisting with volunteer recruitment and business sponsorships. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven advisory process includes investment policy statement preparation, investment recommendations, performance reporting, participant education, and plan benchmarking, with a notable inclusion of insurance-related products and bank deposit sweep options.

Jeanne Lease is a financial advisor with Edward Jones in Sacramento, CA, holding a Series 66 designation and six years of industry experience. Prior to joining Edward Jones in 2020, she worked at Northern Arizona University and has experience in event coordination and the hospitality industry. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of investment advisory programs and maintains a nationwide network of financial advisors and branch offices.