William Odonnell is a financial advisor at Edelman Financial Engines with 20 years of industry experience. He holds a Series 66 designation and has worked at Financial Engines Advisors L.L.C. since 2016, following a one-year tenure at Tmfs Advisors, Llc. Edelman Financial Engines provides technology-enabled investment advisory services for workplace retirement accounts, IRAs, taxable accounts, and institutional clients. The firm manages both model-based and customized portfolios and supports a large client base through advisor-led and online offerings.

Madeline Phillips is a CFP® with 15 years of industry experience, currently advising at Edelman Financial Engines. Her prior experience includes roles at Financial Engines Advisors L.L.C., Smart Investor, LLC, Sand Hill Global Advisors, LLC, and Morgan Stanley. Edelman Financial Engines offers technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm employs a proprietary, committee-driven investment process combined with planner delivery and online tools, providing both discretionary and non-discretionary management across diversified portfolios.

John Allen is a financial advisor with Morgan Stanley in Roseville, CA, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. Since 2016, he has been associated with Morgan Stanley Private Bank, National Association and Morgan Stanley. Outside of his advisory role, he serves on the boards of Sacramento Angels, an angel investing group, and the Big River Vista Mutual Water Company; he is also a member of the Dean Advisory Council for California State University Sacramento’s School of Business. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutions, offering tailored financial planning supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and combines broad retail and institutional services with specialized activities such as private funds and principal trading.

Bart Zitnitsky is a financial advisor at Morgan Stanley with 12 years of industry experience. He holds the Series 66 designation and has previously worked at First Republic Bank and its affiliated investment and securities firms for seven years before joining Morgan Stanley in 2023. Outside of his advisory role, he serves on the boards of two nonprofit organizations focused on community support and animal welfare. Morgan Stanley Wealth Management provides advisory programs and financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in client assets through a structured planning process supported by firm-approved tools and a global investment committee.

Todd Ferreira is a financial advisor with Ameriprise in Rocklin, CA, holding Series 63 and Series 65 licenses and 29 years of industry experience. His prior roles include positions at Purshe Kaplan Sterling Investments and Nf Wealth Management, Inc. He has been with Ameriprise and its affiliates since 2017. Ameriprise offers a retirement-income planning service tailored to individuals nearing or in retirement with significant investable assets, providing written Recommendation Reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research and modeling with algorithmic automation to deliver customized, non-discretionary retirement planning advice.

William Lee is a financial advisor with Mass Mutual Investors Services in El Dorado Hills, CA, holding Series 63 and 66 licenses and bringing 31 years of industry experience. He has been with MML Investors Services Inc. and Mass Mutual Life Insurance since 2002. Outside of his advisory work, he is involved in a separate health insurance business as an agent. Mass Mutual Investors Services, a subsidiary of MassMutual, provides ongoing financial planning and asset management to individuals, business owners, trusts, charitable organizations, and employers. The firm offers collaborative, annual planning engagements using firm-approved tools and supports a range of financial strategies without discretionary control.

Bryan Ludwig is a CFP® and holds a Series 66 license with 18 years of industry experience. He is currently with Ameriprise, where he has worked since 2021, following prior roles at Wells Fargo Clearing, Merrill, and Edward Jones. Outside of his advisory work, Ludwig serves in multiple leadership and board positions in community organizations, including the Lincoln Chamber of Commerce, Rotary Club of Lincoln, and the Lincoln Veterans Memorial Coalition. Ameriprise Financial Services is a diversified advisory firm serving individual and institutional clients, with a specialized Premier Retirement Income service that provides written retirement income plans and ongoing tax-aware withdrawal guidance. The firm’s approach combines proprietary research and third-party data, focusing on dependable income sources and adaptive withdrawal strategies.

Jeffrey Ecklund is a financial advisor with Morgan Stanley in Roseville, CA, holding Series 63 and Series 65 credentials and bringing 41 years of industry experience. He has been with various divisions of Morgan Stanley since 2007, including Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools such as Secular Return Estimates and Monte Carlo simulations in its financial planning process.

Michael Gomes is a financial advisor with Fidelity who holds Series 63 and Series 66 licenses and has 16 years of industry experience. He has worked across various Fidelity entities since 2014 and has prior experience at BBVA-affiliated firms and BancWest. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including charitable and registered investment companies, utilizing a process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction.

Lori Kamuf is a financial advisor at Wells Fargo Advisors with 22 years of industry experience. She holds Series 63 and Series 65 licenses and previously worked at Morgan Stanley. Outside of her advisory role, she is a consultant in direct sales for a clothing company. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services tailored to clients who meet a net-worth threshold. The firm offers a broad range of planning services and integrates advisory recommendations with other financial products and referral channels.

Thomas Coombs is a financial advisor at Edward Jones in Roseville, CA, holding a Series 66 designation with 16 years of industry experience. He has been with Edward Jones since 2009. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including high-net-worth households and charitable organizations. The firm manages approximately $1.01 trillion in assets through a large network of advisors and offers a range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Adam Benedict is a Certified Financial Planner (CFP®) with 28 years of experience, currently serving at Charles Schwab & Co. since 2005. He holds Series 63 and Series 66 licenses and is based in Roseville, California. Outside of his professional role, he is involved with Folsom High School as an assistant golf coach and girls golf booster representative. Charles Schwab & Co. 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 combination of non-discretionary advisory models and access to discretionary separately managed accounts, supported by a multi-asset strategic allocation approach and a distinctive integrated operational structure.

Loren Taing is a financial advisor at LPL Enterprise with five years of industry experience. His prior roles include positions at U.S. Bank, CDC Small Business Finance Corp., Citigroup Global Markets, and Ameriprise. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, and institutional entities. The firm employs a model-driven investment approach and offers access to third-party asset managers, financial planning, and insurance products through affiliated entities.

Rick Levin is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2022. He began his financial services career in 2013 and has since worked with clients from various age groups and backgrounds. Levin's approach centers on holistic financial planning to assist clients in achieving their financial goals. His professional experience includes roles as a Financial Advisor at Merrill Lynch from 2020 to 2022, Financial Professional at Capitol Planning Group from 2017 to 2019, Registered Representative at Principal Financial Group in 2017, and Financial Representative at Northwestern Mutual from 2013 to 2017. He holds a California Insurance License. Levin resides in Northern California with his wife, Kait, and their two sons. His personal interests include camping, fitness, hiking, playing instruments, running, and singing.

Sharla Caves is a financial advisor at Edward Jones with 15 years of industry experience. She holds the CFP®, ChFC®, and Series 66 designations and has been with Edward Jones since 2012. Outside of her advisory role, she serves as President of the Loomis Basin Chamber of Commerce and assists with community events and organizational governance. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm has a large national network of advisors and offers services under a fiduciary standard.

Peter Frederick is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors from 2013 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and 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.

Denise Vonhof is a financial advisor at Robert W. Baird & Co. with 15 years of industry experience. She holds the Series 66 designation and has worked at Robert W. Baird since 2020. Prior to that, she held positions at Wells Fargo Clearing, Wells Fargo Advisors LLC, and Wells Fargo Bank NA. She is part of The DDK Group within Robert W. Baird’s Private Wealth Management practice, which serves individuals, families, pensions, corporations, and charitable organizations. The group offers tailored financial planning and portfolio management services using a mix of in-house and third-party managers, covering a broad range of investment strategies and account types.

Andrew Carlie is a financial advisor with Morgan Stanley in Roseville, CA, holding Series 63, 65, and 66 licenses and bringing 13 years of industry experience. His background includes roles at DoorDash Inc., Oracle America Inc., TD Ameritrade, and Scottrade. Morgan Stanley Wealth Management serves individuals and institutional clients, offering a range of advisory programs and tailored financial planning supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides planning that utilizes scenario modeling without individual security recommendations as part of standalone programs.

Gavin Sturgis is a financial advisor with Charles Schwab in Roseville, CA, holding Series 63 and Series 65 licenses and bringing 13 years of industry experience. His prior experience includes six years with Jackson National Life Distributors LLC before joining Charles Schwab and Charles Schwab Bank in 2018. 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 offers a mix of non-discretionary and discretionary investment options supported by strategic asset allocation, written advice policies, and access to alternative investment products.

Eric Andersen is a financial advisor with LPL Financial, holding a Series 66 credential and 27 years of industry experience. He worked at Merrill from 2000 to 2009 before joining LPL Financial in 2009. Andersen offers health savings accounts (HSAs) to clients and operates a separate pension and wealth business under the name Safe Harbor Pension & Wealth. LPL Financial is a national broker-dealer and registered investment adviser that serves individuals, retirement plans, banks, trust companies, and other institutions. The firm provides a range of advisory and brokerage services, including financial planning, model portfolio programs, and access to third-party asset managers.