Robert Daly Jr. is a financial advisor with Cetera who holds a Series 63 designation and has 31 years of industry experience. He has worked with Cetera Wealth Services, LLC since 2013 and has been affiliated with Financial Network Wealth Advisors LLC since 2024. Daly is also active in community initiatives, serving as a board member of a youth fitness program and participating in the Rotary Club of Sacramento. Cetera Investment Advisers LLC is an SEC-registered adviser that provides portfolio management, financial planning, and retirement services through a nationwide network of independent advisors. The firm serves a broad client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts, offering a multi-manager platform with a range of investment program options.

Katie Kelly is a financial advisor with Merrill in Sacramento, CA, holding Series 63 and Series 66 licenses and with 14 years of industry experience. She has worked at Merrill since 2014. 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 investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Kristin Dawson is a financial advisor with Primerica Advisors in Sacramento, CA, holding Series 63 and Series 65 licenses and having four years of industry experience. She has worked at PFS Investments since 2022 and with Primerica Financial Services since 2021. In addition to her advisory role, she has been employed by the Elk Grove Unified School District since 1999. Dawson also participates in the sale of loan products and home-related services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and discretionary separately managed accounts primarily to individual and high-net-worth clients. The firm uses third-party asset managers and custodians, including BNY Mellon Advisors and Pershing, and operates with a tiered wrap-fee structure.

Michael Kenison is a financial advisor with LPL Financial, holding a Series 63 designation and bringing 42 years of industry experience. He has worked at LPL Financial and SAFE Credit Union since 2014. Outside of his advisory role, Kenison coaches pole vaulting at the high school level. LPL Financial serves a broad client base including individuals, retirement plans, banks, credit unions, 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, utilizing both discretionary and non-discretionary management along with model portfolios and research from various sources.

Mark Aizenberg is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, he is president and owner of Mark II Builders, a construction business based in Sacramento, CA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm’s 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.

Erin Ragsdale is a financial advisor at Fidelity with eight years of industry experience. She holds the Series 63 and Series 66 designations and has worked at firms including JPMorgan Chase, Merrill, and Urban Wealth Management. In addition to her advisory role, she is the founder and CEO of Rising Tide Financial LLC, an educational mobile application focused on U.S. financial literacy. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and manages multiple registered investment companies.

Max Modeste is a financial advisor at Fidelity with two years of industry experience. He holds the Series 66 designation and has worked previously at Scoular and William Jessup. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including discretionary portfolio management and fund advisory. The firm combines fundamental research with quantitative analysis and uses algorithmic portfolio construction, including model portfolios built from mutual funds, ETFs, and ETPs.

Sita Lalchandani is a CFP® with 30 years of industry experience, currently an advisor at Cetera. She has been with Cetera Advisors LLC since 2012 and joined Cetera in 2024. Outside of her advisory role, she is involved with GLH&C Financial Services, a securities and fixed insurance business. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with over 10,000 advisors and more than $256 billion in assets under management.

Sandra Strong is a financial advisor with Mass Mutual Investors Services and holds the ChFC® designation along with Series 63 and Series 65 licenses. She has 37 years of industry experience, including 30 years with MassMutual Life Insurance Company and MML Investors Services. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm utilizes firm-approved software and collaborative planning to develop written recommendations and offers programs such as wrap and money-manager services and educational seminars.

Kevin Wong is a financial advisor at Osaic with 25 years of industry experience and holds Series 63 and Series 66 credentials. His prior roles include positions at Woodbury Financial Services, BFC Planning, Berthel Fisher & Company Financial Services, and LPL Financial. Outside of advisory work, he operates a sole proprietorship providing life and long-term care insurance illustrations and policy creation. Osaic Wealth, Inc. serves a diverse client base including individual investors, pension plans, corporations, and charitable organizations through a broad network of affiliated advisors. The firm offers integrated brokerage and advisory services, utilizing asset-allocation tools, risk-tolerance assessments, and third-party platforms to construct portfolios with various investment vehicles on both discretionary and non-discretionary bases.

Jeffrey Chorn is a financial advisor with Fidelity, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. He has been with Fidelity Investments and its affiliated entities since 2011. 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 combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios and deliver model portfolios to intermediary platforms.

Melina Sipple is a financial advisor at Merrill with 11 years of industry experience. She holds the Series 66 designation and has been with Merrill since 2014. 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 individuals, high-net-worth clients, and institutional accounts, supported by internal and third-party portfolio managers.

Kristen Haydon is a financial advisor at OSAIC with a Series 66 designation and one year of industry experience. Her prior roles include positions at Retirement Security Centers and the Financial Wellness Clinic, as well as a decade of self-employment. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, utilizing asset-allocation tools and various investment options across multiple platforms.

Kulvinder Rai is a financial advisor with LPL Financial in Fair Oaks, CA, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. He has worked with LPL Financial since 2012. Rai also serves as a trustee in a fiduciary capacity. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, financial institutions, corporations, and charities. The firm offers various advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by research and technology.

Tan Vo is a financial advisor with Merrill, holding a Series 66 designation and five years of industry experience. He has worked at Merrill and Bank of America since 2020 and previously held positions at Libert Home Equity Solution and Wells Fargo Bank. Outside of finance, he has experience in homemaking. 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 individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Nimanjit Kaur is a financial advisor at Morgan Stanley with eight years of industry experience. She has held roles at Morgan Stanley since 2022 and previously worked at Wells Fargo Clearing Services LLC and Wells Fargo Bank NA from 2014 to 2022. She holds Series 63 and Series 66 licenses. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a variety of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and analysis from its Global Investment Committee.

Raina Montgomery is a financial advisor with Edward Jones in Carmichael, CA, holding a Series 66 designation and one year of industry experience. Prior to joining Edward Jones, she worked in various educational roles including positions at Capital Christian School and Victory Christian School. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, supported by a nationwide network of approximately 23,700 financial advisors.

James Diepenbrock is a financial advisor at Wells Fargo Clearing with 42 years of industry experience. He holds Series 63 and Series 65 credentials and previously worked at Morgan Stanley Private Bank, National Association. Outside of his advisory role, he owns and operates Wingman Woodworks, a custom furniture business, and serves as a board member for the Sacramento County Employees' Retirement System. 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 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.

Matthew Voelker is the Vice President and Branch Leader at Fidelity Investments, a position he has held since 2015. In this role, he supports a team of associates and Financial Consultants focused on helping clients achieve their financial goals and dreams. Matthew has extensive experience in the financial services industry, having held multiple leadership roles at Prudential from 1990 to 2014, including Territorial Vice President, Managing Director, Sales Manager, and Representative. He holds a California Insurance License. Outside of his professional responsibilities, Matthew enjoys baseball, golf, traveling, and spending time with family and friends.

Brett Tank is a financial advisor with UBS Financial Services in Sacramento, CA, holding a Series 66 designation and 24 years of industry experience. He has been with UBS since 2001. Outside of his advisory role, he serves as president of the alumni board for the Phi Chapter of Alpha Gamma Rho Fraternity. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, using proprietary capital market assumptions and research to tailor financial plans. The firm combines institutional trading capabilities with wealth management services, including market-making, underwriting, and affiliated banking programs.