Patricia Arredondo Chavez is a Financial Advisor with Merrill Lynch Wealth Management, bringing over 30 years of experience in banking, municipal finance, and retirement planning. She works individually with clients to develop personalized wealth management strategies designed to pursue their long-term goals, tailoring her approach to their needs and preferences. Patricia offers access to a broad range of wealth management services, including portfolio management from Merrill and credit and lending services from Bank of America. Her expertise encompasses areas such as college education planning, liquidity management, managing new wealth, personal retirement planning, small business strategies, women and wealth, and retirement income. Patricia helps clients quantify financial goals and adjust strategies in response to life changes such as early retirement or marriage. She holds professional designations as an Accredited Wealth Management Advisor (AWMA) and Personal Investment Advisor (PIA), and earned her Bachelor's Degree from the University of Phoenix. She is fluent in English and Spanish. Outside of her professional role, Patricia enjoys cooking, gardening, spending time with her family, and watching movies. She volunteers to provide financial education to children through the Bank of America Better Money Habits program and participates in organizations aimed at ending childhood hunger, such as Feed the Children. Patricia is also involved with the Gallo Center for the Arts.

John Reuter is a financial advisor at Charles Schwab with 10 years of industry experience. He holds the Series 63 and Series 66 licenses and has worked at Charles Schwab and Charles Schwab Bank since 2019, following four years at TD Ameritrade. Charles Schwab & Co., Inc. serves a large client base, 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 combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers a distinctive operational structure including alternative investment programs and cash-sweep arrangements.

Joshua Strawn is a financial advisor with UBS Financial Services in Sacramento, CA, holding Series 63 and Series 65 designations and bringing 28 years of industry experience. He has been with UBS since 2001. Outside of his advisory role, he serves as a board member of the McKinley Elvas Neighborhood Alliance. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings that include fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and employs proprietary research and model-based asset allocations to tailor investment plans.

Thomas Taylor is the Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2023. He has been with Fidelity since 2015, progressing through roles including Financial Consultant, Investment Consultant, and Financial Representative. Thomas focuses on creating and maintaining financial plans tailored to the specific situations of clients and their families. His work centers on retirement, investment, and income planning strategies, aiming to build client confidence in these areas. He holds a CA Insurance License.

Young Moon is a financial advisor with LPL Financial based in Sacramento, CA, holding Series 63 and Series 66 licenses and having five years of industry experience. Prior to joining LPL Financial, Young worked at Merrill, Bank of America, and Citigroup. He is also associated with Golden1 Credit Union. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charities through a national network of advisers, providing financial planning, advisory programs, and retirement plan consulting.

Richard Allison is a financial advisor at OSAIC with 24 years of industry experience. He holds the Series 66 designation and has been owner of Allison Wealth Management since 2009, providing financial planning and asset management services. He is also involved in insurance sales through Allison Wealth Management and serves as a member of the Orion Portfolio Solutions Advisory Council. OSAIC serves a wide range of clients, including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, employing various asset-allocation tools and investment platforms to manage diversified portfolios.

Robert Roth is a financial advisor with Ameriprise in El Dorado Hills, CA, holding a Series 66 designation and 37 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Ameriprise offers retirement-income planning services focused on clients approaching or in retirement, typically with significant investable assets, combining research, modeling, and tax-efficient strategies to deliver tailored recommendation reports. The firm provides a broad range of advisory, brokerage, and insurance solutions through its large institutional platform.

Sarah Howard is a financial advisor at Morgan Stanley with 10 years of industry experience. She has been with Morgan Stanley since 2015 and also works at Morgan Stanley Private Bank, N.A. since 2018. She holds a Series 66 designation. Morgan Stanley Wealth Management serves 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 uses structured planning tools and scenario modeling as part of its financial planning process.

Julio Garcia Frias is a financial advisor at J.P. Morgan Securities with eight years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Wells Fargo Clearing and Wells Fargo Bank. Outside of his advisory role, Julio is involved as a youth soccer coach with the Sacramento United Soccer Club. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework to guide its recommendations.

Ty Kearney is a financial advisor with J.P. Morgan Securities in West Sacramento, CA, holding Series 63 and Series 66 licenses and bringing 16 years of industry experience. He has been with J.P. Morgan Securities and Jpmorgan Chase Bank since 2011. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting through a select group of Wealth Advisors. The firm integrates large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Jennifer Freamon is a financial advisor with Wells Fargo Clearing in Sacramento, CA, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. Outside of her advisory role, she serves as a power of attorney for a family member. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm uses an investment policy statement-driven process grounded in modern portfolio theory and includes insurance-related vehicles and bank deposit sweep options among its investment offerings.

Kenny Giacomini is a financial advisor with Wells Fargo Clearing in Sacramento, CA, holding Series 63 and Series 65 licenses and having 10 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, N.A. Outside of his advisory role, he owns and operates a music production and songwriting business. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions. The firm’s approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options in its investment offerings.

Michele Estabrook is a financial advisor at Morgan Stanley with 17 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009 and holds a Series 66 designation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning and estate planning strategies, managing approximately $2.74 trillion in client assets.

Adam Andelin is a financial advisor with Cambridge Investment Research Advisors in Sacramento, CA, holding a Series 66 license and with 27 years of industry experience. He has been with Cambridge Investment Research Advisors and its related entity since 2008. Outside of advising, Andelin is an independent insurance agent and serves as a member of a neighborhood architectural committee as well as a volunteer finance clerk for a local church. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension plans, charitable organizations, and retirement-plan sponsors, providing financial planning, investment management, and retirement advisory services. The firm offers a range of investment implementation options across various platforms and employs both proprietary and third-party model strategies tailored by independent financial professionals.

Carlos Hernandez is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. He has worked at Merrill since 2022 and previously held roles at Bank of America and Amazon. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension plans, and charitable organizations using model-based and discretionary investment strategies developed by internal teams and third-party managers.

Tracie Baiz is a financial advisor with Osaic Wealth, Inc. in Sacramento, CA, holding Series 63 and Series 65 licenses with 25 years of industry experience. She previously worked at Securities America Advisors, Inc. and Securities America, Inc. for 11 years. Baiz is also an enrolled agent providing personal and business income tax preparation and IRS advocacy services. 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 broad network of advisers and advisory platforms. The firm offers integrated brokerage and investment advisory services with a range of investment options and supports both discretionary and non-discretionary management.

Christopher Bradford is a financial advisor with LPL Financial, holding the CFP® designation and Series 66 and 63 licenses, with 23 years of industry experience. He has held positions at Securities America Advisors, Inc., Securities America, Inc., and KMS Financial Services, Inc. Bradford also serves as an executor and trustee of the Jack Sellers estate. LPL Financial is a SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, and institutions through a national network, offering a range of advisory programs, financial planning, and brokerage services.

Jason Pilcher is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has been with Merrill Lynch since March 15, 1999, providing financial advisory services to help clients pursue their financial goals through personalized wealth management strategies. Jason works closely with clients to develop tailored financial plans that address their individual priorities and adapt to changing market conditions. He holds a Bachelor's Degree from California State University, Sacramento, where he concentrated in finance and accounting. Jason’s professional designations include Chartered Financial Consultant (ChFC), Certified Financial Planner (CFP), Certified Investment Management Analyst (CIMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). In addition to client advisory work, Jason regularly conducts training classes at the Merrill Lynch Sacramento Complex. Jason is also engaged in community involvement, volunteering with local organizations in alignment with Merrill’s tradition of community participation. His approach emphasizes one-on-one collaboration to help clients achieve their long-term financial goals.

Zackary Lardie is a financial advisor at Wells Fargo Clearing with 10 years of industry experience. He holds Series 63 and Series 66 designations and has been with Wells Fargo Clearing since 2016. Prior to this, he worked at Wells Fargo Advisors LLC and Wells Fargo Bank, NA. 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 notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Allan Cady is a financial advisor with Edward Jones in Carmichael, CA, holding Series 63 and Series 66 designations and bringing 30 years of industry experience. He has been with Edward Jones since 1995. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large nationwide network of financial advisors and branch offices.