Jace Koehn is a financial advisor with OSAIC Wealth, Inc. in Sacramento, CA. He holds a Series 66 designation and has been with OSAIC Wealth and Retirement Security Centers since 2025. His prior experience includes roles in several restaurant groups and educational institutions. OSAIC Wealth, Inc. serves a diverse range of clients including individual investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisers. The firm provides integrated brokerage and advisory services, employing asset-allocation tools and third-party platforms to manage portfolios that may include various investment types on both discretionary and non-discretionary bases.

Lisa Haygood is a financial advisor at Morgan Stanley with 22 years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley since 2015. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutions, focusing on tailored financial planning supported by firm‑approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and offers services including wrap programs and access to affiliated investment vehicles.

Randi O'Neill is a financial advisor at Wells Fargo Advisors with 15 years of industry experience. She holds the Series 66 designation and has worked at Wells Fargo in various capacities since 2009, with a brief tenure at Merrill in 2015-2016. Outside of her advisory role, she serves as treasurer for the Bella Vista High School Boys Basketball Program in Fair Oaks, CA. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that offers investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad planning menu tailored to clients who meet a net-worth threshold, using proprietary research and tools to develop customized recommendations.

Jerry Sandlin Jr. is a financial advisor with Cetera, holding Series 63 and Series 66 credentials and bringing 28 years of industry experience. He previously worked at LPL Financial for 18 years and Schools Financial Credit Union for 12 years. Outside of finance, he is the qualifying partner in a house painting business, though he is not involved in its day-to-day operations. Cetera Investment Advisers LLC is an SEC-registered firm serving individual clients, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options, financial planning, and access to third-party managers, supporting a broad range of client needs across discretionary and non-discretionary program structures.

Benjamin Frechette is a financial advisor at Edward Jones with 11 years of industry experience. He holds the Series 63 and Series 66 designations. Prior to joining Edward Jones in 2025, he worked at J.P. Morgan Securities, LLC for 11 years. 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 through a network of more than 23,700 financial advisors and offers a range of advisory programs, including wrap fee strategies, separately managed accounts, and affiliated mutual funds.

Rory Barney is a Wealth Management Advisor with Merrill Lynch Wealth Management, specializing in serving the high net worth market with personalized financial strategies. He leverages Merrill's wealth management process and a range of resources, alongside a team of outside professionals, to assist clients in achieving their personal and financial objectives. Rory's expertise includes insurance, estate planning strategies, retirement planning, and tax minimization, with a client focus on areas such as college education planning, divorce transition planning, executive compensation, employee benefits planning, and retirement income. Rory holds multiple professional designations, including CERTIFIED FINANCIAL PLANNER® (CFP), Accredited Wealth Management Advisor (AWMA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Plans Specialist (CRPS), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned an associate's degree from Yuba College and is a member of the National Association of Plan Advisors. A lifelong resident of Sacramento, Rory maintains strong community ties and is involved in financial literacy initiatives. His approach includes regular communication with clients to review goals, risk factors, and account performance, ensuring strategies remain aligned with clients’ evolving needs. Outside of his professional work, Rory enjoys boating, chess, swimming, and watching movies.

Matthew Mcdonald is a financial advisor with Cetera, holding Series 63, 65, and 66 licenses and bringing 28 years of industry experience. He has been with Cetera since 2013 and also owns Matt McDonald Financial, a DBA for financial and insurance services. Outside of his advisory work, he serves as a treasurer for Rage Soccer Academy and has experience as a paralegal specializing in living trust and estate work. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of independent advisors. The firm offers a multi-manager platform providing discretionary and non-discretionary portfolio management, financial planning, ERISA retirement services, and access to third-party money managers across various program structures.

Matthew Green is a Financial Consultant currently working at Fidelity Investments. He advises clients on improving their financial plans to align with their retirement goals. Matthew has held various roles in the financial services industry, including Investment Consultant at Fidelity Investments since 2021, Vice President - Investments and Private Client Advisor at J.P. Morgan Wealth Management from 2022 to 2024, and Financial Advisor at Northwestern Mutual from 2019 to 2021. He holds a California Insurance License. Outside of his professional work, Matthew enjoys baseball, camping, family activities, food-related interests, outdoor adventures, and swimming.

Christina Krug is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 credentials and bringing 12 years of industry experience. She previously worked at Wells Fargo Advisors for 13 years and is currently associated with Legacy Wealth Management in a support role. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, corporations, and institutional entities. The firm offers tailored, non-discretionary planning and consulting using risk profiling and analytical tools, and maintains specialized services such as municipal advisory and SIMPLE IRA Employer Advisory programs.

Jayalalitha Ramamurthy is a financial advisor with Charles Schwab, holding a Series 66 designation and 19 years of industry experience. She previously worked at Wells Fargo Clearing from 2011 to 2019 before joining Charles Schwab in 2019. Outside of her advisory role, she is a co-owner of SIMBIZSOLUTIONS, a technology consulting company originally incorporated for tax purposes. Charles Schwab & Co., Inc. serves a large client base primarily composed 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 a primarily non-discretionary client relationship model with access to affiliated discretionary separate managed accounts and offers a multi-asset investment approach supported by in-house research and alternative investment options.

Kristina Currie is a financial advisor with Fidelity, holding Series 63 and Series 66 designations and bringing 22 years of industry experience. Her prior work includes roles at Nationwide Investment Services Corp and various Fidelity entities dating back to 2012. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm manages discretionary and non-discretionary portfolios, including fund advisory and model portfolios, leveraging systematic methodologies and oversight controls.

Briggs Matsko is a CFP® professional affiliated with OSAIC and has 49 years of industry experience. He worked at Lincoln Financial Advisors Corporation for 48 years before joining OSAIC in 2025. Matsko co-authored a book titled "Mastering Your Financial Success" and operates a consulting business providing process-led income distribution planning for financial services firms. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and investment advisory services, financial planning, retirement plan consulting, and access to third-party money managers and wrap programs. The firm employs various asset-allocation and portfolio management tools and supports multiple advisory platforms and legacy program transitions.

Tami Couch is a financial advisor with Morgan Stanley in Sacramento, CA, holding a Series 66 designation and four years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2019 and previously worked at Wise Auto Group and Momentum Auto Group. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and provides services through Financial Advisors and its Estate Planning Strategies Group.

Timothy Mcdonald is a financial advisor with Morgan Stanley in Sacramento, CA, holding Series 63 and Series 65 credentials with 46 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2009 and with Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a range of advisory programs to individuals and institutional clients, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process using firm-approved tools and modeling techniques.

Nickolas Gould is a financial advisor with LPL Financial based in Sacramento, CA, holding a Series 66 designation and 19 years of industry experience. His career includes roles at California Bank & Trust, Wells Fargo Clearing, Wells Fargo Advisors LLC, and Wells Fargo Bank. Outside of his advisory work, he engages in online sales. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients nationwide. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services with discretionary and non-discretionary management options, leveraging model portfolios and research from multiple sources.

Scott Matzoll is a Financial Advisor with Merrill Lynch Wealth Management. He focuses on family wealth management strategies, liquidity management, individual and corporate investment strategy, and retirement income. Scott's approach involves helping clients uncover what matters to them and their families to create strategies aimed at pursuing their financial goals. He holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) professional designations. Scott earned a Bachelor's Degree from the University of San Francisco and completed an Accredited Certificate Program through the California State University System. Outside of his professional work, Scott engages in adventure sports such as hiking, rock climbing, running, skiing, and tennis. He is also involved in his community as a Business Liaison for Helping Hands Orangevale.

Eric Solis is a financial advisor with Wells Fargo Advisors in Sacramento, CA, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has worked with Wells Fargo Advisors and related entities since 2009. Outside of advising, he serves as an investment committee member for The Catholic Foundation of the Diocese of Sacramento. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services and integrates advisory services with various financial products and referral channels.

Jacob Bisler is a Financial Advisor with Merrill Lynch Wealth Management. In his role, he assists individuals and families in pursuing their financial goals through personalized planning and tailored wealth management strategies. He focuses on building meaningful relationships and helping clients make confident financial decisions at every stage of life. Jacob holds a Bachelor's Degree from California State University, Sacramento, an Associate's Degree from Los Rios School District, and a High School Diploma from West Campus High School. He has earned professional designations as a Chartered Retirement Planning Counselor (CRPC) and a Personal Investment Advisor (PIA). His areas of expertise include employee benefits planning, services for endowments, foundations, and non-profits, legacy planning, personal retirement planning, and tax minimization. Growing up in the Sacramento area, Jacob enjoys spending time with his family and engaging in activities such as football, golfing, and skiing. He is involved in professional and community organizations including Active 20-30 Club #1 in Sacramento and the Sacramento State Alumni Association.

Pravin Kumar is a financial advisor with Wells Fargo Clearing in Sacramento, CA, holding Series 63 and Series 66 designations and 11 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC and Wells Fargo Bank NA. 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 advice grounded in modern portfolio theory. The firm’s services include investment policy statement preparation, performance reporting, participant education, and plan benchmarking, with a broader investment menu that includes insurance-related vehicles and bank deposit sweep options.

Gary Bladen is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he has been serving clients since 2012. Based in the Palo Alto branch, he works closely with individuals and families to develop personalized financial strategies tailored to their specific goals, values, and needs. His approach involves regular reviews to ensure financial plans remain aligned with the client's evolving life circumstances. Gary's expertise encompasses a broad range of financial planning areas, including retirement planning, college education funding, legacy planning, managing new wealth, tax minimization, and socially responsible investing. He holds several professional designations, including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Prior to joining Merrill Lynch, he worked with clean technology startups focusing on sustainability and resource efficiency and contributed to innovation efforts in the Sacramento area. He earned his bachelor's degree from the University of California system. Outside of his professional work, Gary enjoys playing music, cooking, soccer, traveling, and spending time with his family.