Steven Liaty is a financial advisor with Wells Fargo Clearing in El Dorado Hills, CA, holding Series 63 and Series 65 licenses. He has 28 years of industry experience, including over a decade at Wells Fargo Clearing and seven years at Wells Fargo Advisors LLC prior to that. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, offering both discretionary and non-discretionary services tailored to plan objectives and risk tolerances.

Brad Klingfus is an Investment Consultant at Fidelity Investments, a position he has held since 2024. Prior to this role, he worked as a Planning Consultant at Fidelity from 2022 to 2024 and as a Relationship Manager there from 2021 to 2022. Before joining Fidelity, Brad was an Advisor Consultant at Franklin Templeton Investments from 2014 to 2021. Brad holds a California Insurance License. His professional focus involves collaborating with clients to develop comprehensive financial plans aimed at achieving financial wellness and peace of mind. He serves as an advocate for clients, assisting with important financial decisions and planning steps over time. Outside of his professional work, Brad's personal interests include baseball, beach activities, boating, football, and golf.

Rodney Spradlin is a financial advisor at Cetera with 31 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Cetera and its affiliated entities since 2013. In addition to his advisory role, he operates American River Wealth Management as a DBA for his investment practice and serves as a representative involved in annuities. Cetera Investment Advisers LLC is an SEC-registered adviser that supports a broad client base including individuals, employer-sponsored retirement plans, corporate, charitable, and institutional accounts. The firm offers a variety of portfolio management and advisory services through a multi-manager platform with access to both affiliated and unaffiliated third-party managers.

Gregory Glunt is a financial advisor with OSAIC, holding a Series 66 designation and 13 years of industry experience. He worked at Lincoln Financial Advisors for 13 years before joining OSAIC in 2025. Outside of advising, he serves as a director on the RMCC Men's Club board and is involved with Retirement Security Centers offering insurance products. OSAIC serves a diverse clientele including individual investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisers and advisory platforms. The firm offers integrated brokerage and advisory services with a range of portfolio management options and utilizes various tools and third-party solutions to support its investment strategies.

Russell Beal is a financial advisor with OSAIC Wealth Inc, holding a Series 66 designation and one year of industry experience. He is also a partner at Weston and Tuttle LLP, a tax and accounting firm serving small businesses and individuals, where he provides tax preparation, consulting, and other accounting services. Beal's prior experience includes roles at KBRB, Inc. and KPMG LLP. OSAIC Wealth Inc serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations through a large network of affiliated advisors and advisory platforms. The firm offers integrated brokerage and advisory services and uses various asset-allocation and portfolio management tools to meet client investment needs.

Desiderio Rodriguez is a Senior Financial Advisor at Merrill Lynch Wealth Management. He holds the designation of Personal Investment Advisor (PIA) and brings a focused approach to guiding clients through complex financial decisions. Desiderio works closely with executives, entrepreneurs, and families to support them at significant life milestones and assist them in achieving financial freedom. He earned his High School Diploma from Woodside High School.

Mary Caulder is a financial advisor at Morgan Stanley with 31 years of industry experience. She holds Series 63 and Series 65 credentials and has worked at Morgan Stanley Smith Barney since 2009, following an earlier tenure at Citigroup Global Markets starting in 1995. 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 structured planning tools that incorporate scenario modeling without providing individual security recommendations as part of its standalone planning services.

Matt Erickson is a financial advisor with Cetera who holds the ChFC®, Series 63, and Series 65 designations and has 26 years of industry experience. He has been with Cetera and Cetera Wealth Services, LLC since 2013. Outside his advisory role, he is involved with fixed insurance products and operates under the financial services DBA American River Wealth Management. Cetera Investment Advisers LLC serves a broad client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a large network of advisors and supports multiple investment program structures and third-party managers.

Barbara Fain is a financial advisor at UBS Financial Services with 17 years of industry experience. She holds the Series 66 designation and has worked at UBS in various capacities since 2015. Additionally, she has been involved in Randy Fain Pool Construction since 2006. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, employing proprietary capital market assumptions and model-based asset allocations to tailor plans to clients' goals and risk tolerances. The firm combines institutional trading capabilities with wealth management services and offers a broad set of capital markets and research resources.

Mackenzie Miller is a financial advisor at Edward Jones with a Series 66 designation and one year of industry experience. Prior to joining Edward Jones, Miller worked eight years at Rapattoni Corporation and spent time at Retters Academy of Dance and as a full-time student. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory strategies, including discretionary and non-discretionary wrap fee options, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Avedis Buyuker is a financial advisor with Equitable Advisors in Folsom, CA, holding Series 63 and Series 66 licenses and having six years of industry experience. His prior work includes roles at Axa Advisors and Sprint, as well as time spent at California State University. Equitable Advisors serves a range of clients including individuals, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and asset management through a network of Investment Adviser Representatives and third-party program sponsors. The firm offers various advisory models and ERISA fiduciary services without sponsoring its own wrap fee program, relying on third-party managers and affiliated asset managers for investment solutions.

Russell Martinez is a financial advisor at Morgan Stanley with 40 years of industry experience. He holds Series 63 and Series 65 licenses and has worked within various divisions of Morgan Stanley since 1997. Outside of his financial career, Martinez participates in a band called Stones Throw. Morgan Stanley Wealth Management provides advisory and brokerage services to individual and institutional clients. The firm utilizes structured financial planning tools and offers a wide range of investment programs, managing approximately $2.74 trillion in client assets.

Loi Yu is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and 28 years of industry experience. Prior to joining LPL Financial in 2021, he worked with Allianz Life Financial Services LLC and Allianz Life Insurance Company of North America from 2013 to 2021. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting services, with access to model portfolios, third-party research, and various portfolio management options.

Jerry Newman is a financial advisor with Edward Jones in Granite Bay, CA, holding Series 63 and Series 66 credentials and 28 years of industry experience. He has been with Edward Jones since 1997. Outside of his advisory role, he has no recorded responsibilities in other business activities. 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 nationwide network of more than 23,700 financial advisors and 15,000 branches.

Anthony Nye is a CFP® with 30 years of industry experience, currently serving at Morgan Stanley in Folsom, CA. He previously worked at UBS Financial Services for 17 years before joining Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering advisory programs to individuals and institutional clients, with approximately $2.74 trillion in client assets. The firm’s financial planning process uses structured discovery conversations and firm-approved tools, including Global Investment Committee return estimates and Monte Carlo simulations, focusing on advisory services without providing individual security recommendations in standalone planning.

Christopher Cottrell is a financial advisor with Osaic, holding the CFP® and Series 63 designations and bringing 10 years of industry experience. He has worked at Woodbury Financial Services and Questar Capital, and he is a partner at Hoppe & Cottrell LLP, a CPA and tax advisory firm serving individual and business clients. He is also a partner at Hoppe Cottrell Advisors LLC, involved in the sales and service of fixed insurance products. Osaic Wealth, Inc. serves a diverse client base including individual, high-net-worth, institutional, and charitable clients through a large network of affiliated advisers and multiple advisory platforms. The firm provides integrated brokerage and advisory services, employing asset allocation tools and offering portfolios that include a range of investment types managed on both discretionary and non-discretionary bases.

Yan Evans is a Vice President and Financial Consultant at Fidelity Investments, a position held since 2019. In this role, Yan works closely with clients to understand their unique financial situations and develop tailored plans to address their goals and uncertainties. Yan has extensive experience in the financial services industry, having held roles as a Financial Advisor at Morgan Stanley from 2017 to 2019 and at Edward Jones from 2016 to 2017. Prior to that, Yan was a Brokerage Associate at Wells Fargo Advisors between 2012 and 2016, and served as an Associate Vice President at Aviva Insurance from 2008 to 2011. Yan holds a California Insurance License. Outside of work, Yan is interested in camping, hiking, running, skiing, traveling, and volunteering.

Therynn Winberry is a financial advisor at Equitable Advisors with one year of industry experience. He holds a Series 66 designation and has held various roles outside of financial advising, including employment with Instacart and positions in education and other industries. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients. The firm’s offerings include multiple advisory programs and access to third-party asset managers, with a focus on matching clients to appropriate investment models and discretionary managers.

Joshua Sanchez is a financial advisor with Merrill in Folsom, CA, holding a Series 66 designation and four years of industry experience. His work history includes positions at Bank of America, Merrill, and Wells Fargo, as well as involvement in roles outside finance such as with Grateful Bread. 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. The firm offers model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Erika Pandy is a Senior Financial Advisor with Merrill Lynch Wealth Management. In this role, she provides advisory and wealth management services to clients, including affluent families, professionals, business owners, and corporate executives. Erika’s practice focuses on areas such as divorce transition planning, retirement income, portfolio management services, and support for endowments, foundations, and defined benefit plans. Her professional and educational background supports her expertise in financial advising. Erika holds an MBA from Saint Joseph’s University and a Bachelor of Arts from LaSalle University. She has earned several professional designations, including Certified 401(k) Professional (CKP), Chartered Retirement Planning Counselor™ (CRPC), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). She is conversant in English and Italian. Outside of her professional responsibilities, Erika is engaged in community activities in Philadelphia. She is involved with organizations such as the Delaware Valley Youth Athletic Association and Saint Pio Catholic School. Her personal interests include spending time with her family, reading, and baseball.