Ramak Fazeli is a financial advisor with Charles Schwab & Co., Inc. in Folsom, CA, holding Series 63 and Series 66 licenses and possessing 29 years of industry experience. His work history includes roles at Motif Investing and SCOTTRADE, Inc. prior to joining Charles Schwab in 2016. 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 blend of non-discretionary guidance and access to discretionary separately managed accounts, supported by multi-asset model portfolios and research from the Schwab Center for Financial Research.

Timothy Chafin is a financial advisor with LPL Financial, holding Series 63 and Series 65 designations and 25 years of industry experience. He has been with LPL Financial since 2007. 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 financial planning, advisory programs, retirement plan consulting, and brokerage services with both discretionary and non-discretionary management options.

Erika Jimenez is a CFP®-certified financial advisor with 14 years of industry experience. She has been with UBS Financial Services in Roseville, CA since 2015. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and discretionary portfolio management. The firm combines institutional trading capabilities with wealth management services and leverages proprietary research and model-based asset allocations to tailor investment plans.

Zeiry Barillas is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. She has worked at Merrill since 2019 and previously held roles at Wells Fargo, Target, and Sacramento State University. Merrill, along 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 a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Sara Evans is a financial advisor with J.P. Morgan Securities in Granite Bay, CA, holding Series 63 and Series 65 licenses and nine years of industry experience. Her work history includes roles at JPMorgan Chase Bank, First Republic Bank, UnionBanc Investment Services, MUFG Union Bank, and Wells Fargo. J.P. Morgan Securities LLC provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors, utilizing a process that combines quantitative asset-allocation modeling with centralized due diligence and an ESG framework. The firm offers non-discretionary advice through a selected group of Wealth Advisors.

Jeremy O Reilly is a financial advisor with J.P. Morgan Securities LLC, holding Series 63 and Series 66 credentials and bringing 15 years of industry experience. Prior to joining J.P. Morgan in 2017, he worked at E*TRADE Capital Management LLC, Harrisdirect LLC, and E*Trade Securities LLC. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

Scott Hilbert is a financial advisor at Equitable Advisors with seven years of industry experience. He holds the Series 66 designation and has worked at Equitable Advisors since 2019, following a brief tenure at Axa Advisors. Outside of advising, he serves as Secretary/Treasurer for a local Business Networking International group and acts as an administrator or executor of an estate and trustee of a parental trust. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm’s advice is delivered through a network of representatives and includes a variety of investment programs and referrals to third-party asset managers.

Justin Sebastian is a financial advisor with Merrill in Roseville, CA, holding a Series 66 designation and one year of industry experience. He previously worked at Bank of America from 2014 to 2025. Outside of his advisory role, he occasionally sells personal collectible items and clothing through online platforms. 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, and institutional investors.

James Dugan Jr. is a financial advisor with Morgan Stanley in Folsom, California, holding Series 63 and 65 licenses and bringing 34 years of industry experience. He has worked with Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2010. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and provides services that include relationships with investment companies, private funds, and structured-product activities.

Christopher Ledell is a financial advisor at Merrill with 23 years of industry experience. He holds Series 63 and Series 65 designations and has worked at BlackRock Investments, LLC for 11 years before joining Merrill and Bank of America, N.A. in 2021. Outside of advising, he manages an LLC related to rental property holdings. Merrill, along 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, and institutional investors.

Rodney Bannister is a financial advisor at OSAIC with 39 years of industry experience. He holds a Series 63 designation and previously worked at Securities America Advisors, Inc. and Securities America, Inc. for 15 years. Outside of advisory work, he provides insurance products and assists clients with submitting death claims. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and charitable investors through a broad network of affiliated advisers. The firm offers integrated brokerage and advisory services, employing asset-allocation tools and third-party platforms to manage portfolios across a range of investment types.

Tyler Flanigan is a financial advisor at Wells Fargo Clearing with a Series 66 designation and two years of industry experience. His career includes positions at Wells Fargo Bank since 2013 and Charles Schwab from 2011 to 2013. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions supported by research and analytics from Wells Fargo Investment Institute.

Wilson Bean is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and 35 years of industry experience. He has worked with Wells Fargo Advisors LLC from 2009 to 2016 before joining Wells Fargo Clearing in 2016. Outside of his advisory role, he serves as a mountain host at Sugar Bowl Ski Resort in Norden, California. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advice grounded in modern portfolio theory. The firm includes insurance-related vehicles and bank deposit sweep options among its investment offerings and acts as an ERISA fiduciary for its clients.

Wayne Mizuno is a financial advisor at Wells Fargo Clearing with nine years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Wells Fargo Bank, N.A., Wells Fargo Clearing, J.P. Morgan Securities, and Instacart. His career includes roles across both banking and securities firms. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, participant education, and plan benchmarking. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a range of investment options including insurance-related vehicles and bank deposit sweep programs.

Olga Garton is a financial advisor with LPL Financial in Folsom, CA, holding Series 63 and Series 65 licenses and bringing 15 years of industry experience. Her prior work includes roles at Iron Point Advisors, Securities America, and Waddell and Reed. 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 advisory programs, financial planning, and retirement plan consulting, utilizing model portfolios and research from both internal and third-party sources.

Stuart White is a financial advisor at J.P. Morgan Securities with 16 years of industry experience. He previously worked at Wells Fargo Bank for 13 years before joining J.P. Morgan Securities and JPMorgan Chase Bank, N.A. He is also the owner of an online retail business. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

Jeffrey Ringholm is a Series 66-licensed financial advisor with Ameriprise, based in Lincoln, CA, and has 12 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2013. In addition to his advisory role, Ringholm is involved with Blue Oaks Management, LLC, an Ameriprise Financial franchise. Ameriprise offers a retirement-income planning service targeted at individuals approaching or in retirement who meet certain asset thresholds. The firm provides written recommendation reports using a combination of research, modeling, and tax-efficiency analysis, supported by a centralized consulting team and algorithmic tools to assist financial advisors in delivering tailored retirement strategies.

Aritra Bera is a financial advisor at Edelman Financial Engines with a Series 65 designation and one year of industry experience. Prior to joining Edelman Financial Engines, he held positions at Catalyst Kids, Banker's Life, and Californians for All College Corps. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm employs a committee-driven modeling process combined with planner delivery and online tools, offering both discretionary and non-discretionary investment options.

Jay Ramey is a financial advisor at Cetera with 37 years of industry experience. He holds Series 63 and Series 65 credentials and has been associated with Cetera and its related entities since 2013. Outside of his advisory work, he serves as a board member for the Bridlewood Canyon Homeowners Association. Cetera Investment Advisers LLC is an SEC-registered firm that supports a nationwide network of independent advisors serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a variety of portfolio management and financial planning services through multiple program structures and a range of third-party money manager options.

Carrie Christie is a financial advisor at Morgan Stanley with three years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley Smith Barney LLC since 2018, following ten years at Wells Fargo Advisors. Outside of advising, she owns and manages a rental property business. Morgan Stanley Wealth Management serves individual and institutional clients with a broad range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets. The firm emphasizes structured financial planning supported by firm-approved tools and engages in diverse investment activities, including private funds and principal trading.