Thomas Chandler is a CFP®-certified financial advisor with 33 years of industry experience, currently affiliated with Ameriprise in Granite Bay, CA. He has been with Ameriprise and its affiliated entities since 2014. Ameriprise offers a retirement-income planning service targeted at individuals nearing or in retirement with significant investable assets, providing written Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm employs a centralized consulting team and combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary advice, with a focus on assets held in Ameriprise Managed Accounts.

Chetan Patel is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and eight years of industry experience. He has worked at J.P. Morgan Chase Bank, N.A. and Bank of America, NA, including Merrill, prior to his current role. J.P. Morgan Securities LLC 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 large institutional advisory operations with affiliated brokerage and investment management capabilities.

Augustine Dunford is a financial advisor at Robert Baird & Co. with the Series 66 designation and one year of industry experience. Prior to joining Baird Private Wealth Management, he held various roles in diverse sectors including fitness, manufacturing, and retail. The DDK Group, part of Robert W. Baird & Co.’s Private Wealth Management department, serves individuals, corporate clients, pensions, profit-sharing plans, and charitable organizations. The firm employs a combination of discretionary and non-discretionary portfolio management strategies and emphasizes manager selection and monitoring supported by internal research and tools.

Katie Beres is a financial advisor with Morgan Stanley in Sacramento, CA, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. She has been with Morgan Stanley and its affiliated entities since 2007, including roles at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured, tool-based planning process supported by the Global Investment Committee’s Secular Return Estimates and Monte Carlo simulations.

Tyler Keniston is a CFP® professional with 20 years of industry experience, currently affiliated with Charles Schwab in Sacramento, CA. His prior experience includes over a decade at USAA, working in financial planning and investment services. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment options, supported by multi-asset model portfolios and centralized operational infrastructure.

John Auble is a financial advisor with Morgan Stanley in Sacramento, CA, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2009 and has been with Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets. The firm’s approach includes structured financial planning using firm-approved tools and a variety of retail and institutional investment offerings.

Sukhpreet Sangha is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and seven years of industry experience. He has worked previously at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities LLC, in addition to multiple roles within Wells Fargo entities over the past eighteen years. 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 supports a broad range of brokerage and advisory solutions.

John Lewis is a financial advisor with Ameriprise in Sacramento, CA, holding a Series 66 designation and 21 years of industry experience. He has been with Ameriprise since 2004 and is also a co-owner of Ascendant Wealth Management Group, where he manages an advisory business. Ameriprise provides retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored recommendation reports. The firm offers a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Martin Meier is a financial advisor with LPL Financial in Citrus Heights, CA, holding a Series 63 designation and bringing 44 years of industry experience. He has worked at Linsco Private Ledger Corp since 2003. Outside of advisory services, he has conducted outside sales of non-variable insurance under the DBA ISE Financial. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual clients, retirement plans, financial institutions, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing model portfolios, third-party subadvisors, and advanced technologies to support diverse investment strategies.

Jeffrey Bedell is a financial advisor with LPL Financial in Sacramento, CA, holding a Series 66 designation and 17 years of industry experience. Prior to joining LPL Financial in 2025, he worked at OSAIC for two years and SagePoint Financial, Inc. for 14 years. Outside of his advisory role, he operates Bedell Law Office, providing legal services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers financial planning, various advisory programs, and brokerage services, utilizing both discretionary and non-discretionary management supported by internal and third-party research.

Tillman Pugh III is a financial advisor with Mass Mutual Investors Services and holds a Series 66 designation. He has one year of industry experience, including prior work with MassMutual Life Insurance Company and 14 years employed by Major League Baseball. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser, providing financial planning and asset management services to individuals, business owners, and charitable organizations, among others. The firm offers collaborative, annual planning engagements using firm-approved analytical tools and supports event-driven services such as estate settlement and divorce planning.

Clifford Gamble is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. He previously worked at Western International Securities, Inc. for 12 years and has served as president of Life Rx Corporation since 1994. He also acts in a fiduciary capacity for the Fred E. Helmick Irrevocable Trust. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a broad range of advisory programs, financial planning, and retirement consulting, supported by a variety of portfolio management options and research services.

Adam Altman is a financial advisor with Morgan Stanley in Roseville, CA, holding Series 63 and Series 66 licenses and having 23 years of industry experience. He has been with Morgan Stanley since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients by providing advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that includes tools such as Monte Carlo simulations and Secular Return Estimates.

Ryan Sage is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and nine years of industry experience. He has worked at Wells Fargo Clearing since 2016 and has been with Wells Fargo Bank, NA since 2013. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, including investment policy statement preparation, investment recommendations, performance reporting, participant education, and plan benchmarking. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a range of financial product offerings that include insurance-related vehicles and bank deposit sweep options.

Todd Elizalde is a financial advisor with Charles Schwab in Sacramento, CA, holding Series 63 and Series 65 licenses and bringing 21 years of industry experience. His prior experience includes roles at State Farm Investment Management and State Farm Insurance between 2013 and 2019. Elizalde has worked with Charles Schwab and its affiliated companies since 2019. Charles Schwab & Co., Inc. serves 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 models with access to discretionary separately managed accounts, offering clients multi-asset model portfolios supported by research and centralized operational infrastructure.

Bradley Baer is a financial advisor with Thrivent Investment Management in Roseville, CA, holding Series 63 and Series 66 licenses and bringing 36 years of industry experience. He has been with Thrivent Financial for Lutherans and Thrivent Investment Management since 2002. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of Financial Advisors. The firm offers holistic, goal-based planning across various topics and allows clients to integrate planning with managed account services under a consolidated billing option, while maintaining separation between planning and portfolio management.

Harkaran Dhaliwal is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. His prior work includes roles at Bank of America and the Franchise Tax Board. Outside of his advisory work, he also delivers food as a DoorDash driver. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of proprietary research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its advisory role to multiple registered investment companies and its use of systematic methodologies and AI in portfolio management.

Dave Bostick is the Resident Director of the Roseville Office at Merrill Lynch Wealth Management. In this role, he leads the office by communicating the firm's strategic vision and supporting fellow advisors. He began his career in investing and wealth management in 2001 and joined Merrill in 2011. Dave works closely with individuals, couples, and multiple generations of client families to help them discern and pursue their financial goals through integrated strategy and advice. His approach includes listening attentively to clients' priorities and designing tailored strategies covering planning, investing, savings, wealth transfer, and access to banking and lending services through Bank of America. He employs an open-architecture framework for investing to provide a wide range of options. Originally from Sacramento, Dave has deep roots in the Granite Bay/Roseville area. He holds a bachelor's degree in Business Administration from Montreat College and has earned several professional designations, including Chartered Retirement Planning Counselor (CRPC), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He enjoys spending time with his wife Tamara and their two children, Allison and Tyler.

Michael Stanley is a financial advisor at Charles Schwab in Sacramento, CA, with 13 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked for Fidelity Brokerage Services, LLC for 12 years. Outside of finance, he is an artist who writes and records music distributed on streaming platforms such as iTunes and Spotify. 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 both non-discretionary and discretionary investment management, utilizing multi-asset model portfolios and centralized operational support.

Benjamin Douglas is a financial advisor with Wells Fargo Clearing in Sacramento, CA, holding Series 63 and Series 65 licenses and eight years of industry experience. His career includes roles at Merrill, Charles Schwab & Co., and Edward Jones, along with multiple positions within Wells Fargo entities. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.