Richard Osen III is a financial advisor at Ameriprise in Sacramento, CA, holding a Series 66 designation. He began his advisory career at Ameriprise in 2024 after prior roles at Sutter Builders, Strike Tax, and positions at two country clubs and a high school. Ameriprise provides retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficient strategies to deliver tailored recommendation reports. The firm operates as a large institutional provider offering a broad range of advisory, brokerage, and insurance solutions.

Ashish Desai is a financial advisor with LPL Enterprise in Roseville, CA, holding Series 63 and Series 65 licenses and three years of industry experience. His prior roles include positions at NYLIFE Securities LLC and New York Life Insurance Company. LPL Enterprise provides investment advisory and brokerage services to a wide range of clients, including individual investors, retirement plans, and corporate and charitable entities. The firm employs a model-driven investment approach and offers access to third-party asset managers, financial planning, and insurance products through its network of investment adviser representatives.

Alexander Cushner is a financial advisor at Robert W. Baird & Co. with 33 years of industry experience. He has been with Robert W. Baird since 2011 and holds Series 63 and Series 65 licenses. Outside of his advisory role, Cushner serves as a board member of the Mill Valley Community Golf Board and is a limited partner in a local gastrobar. He is part of the DDK Group within Robert W. Baird’s Private Wealth Management practice, which provides tailored financial planning and portfolio management services to individuals, families, institutions, and charitable organizations, utilizing a range of traditional and non-traditional investment strategies.

Preston Daniells is a financial advisor at Robert W. Baird & Co. with 19 years of industry experience. He has held his current position at Robert W. Baird since 2011 and holds Series 63 and Series 65 licenses. He is part of The DDK Group within Robert W. Baird’s Private Wealth Management practice, which serves individuals, families, pensions, corporations, charitable organizations, and institutional clients. The group offers tailored consulting and portfolio services using a variety of investment strategies and management approaches.

Ken Crawford is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has been in the financial industry since 1990 and focuses on understanding the needs of high-net-worth clients to help structure portfolios that pursue their specific objectives. Ken provides guidance through the complexities of financial markets, assisting clients such as physicians, entrepreneurs, and executives with their investment and retirement strategies. As a qualified Senior Portfolio Advisor, he manages custom investment strategies on a discretionary basis, selecting from a wide range of Merrill Lynch model portfolios and third-party investment options. Ken earned his Bachelor's degree in Business and Finance from San Jose State University and completed the Executive Education Program in Investment Management at the University of Chicago Booth School of Business. He holds several professional designations including Certified Plan Fiduciary Advisor (CPFA), Certified Private Wealth Advisor (CPWA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Outside of his professional work, Ken participates in community volunteering aligned with Merrill's tradition of engagement. His personal interests include fishing, golfing, and traveling.

Donna Cirelli is a financial advisor with Primerica Advisors and holds the PFS™ designation and Series 63 license. She has 27 years of industry experience and also serves as a partner at Muller & Associates, a tax preparation and accounting firm. Donna has held roles at Primerica since 1999 and currently works part-time as a real estate agent with Century 21. Primerica Advisors manages a wrap-fee asset management program primarily serving individual investors as well as corporate and charitable clients. The firm employs model-driven investment strategies and operates with a network of nearly 3,700 advisors managing approximately $15.5 billion in assets under management.

James Moll is a financial advisor at Stifel with 40 years of industry experience. He has been with Stifel Nicolaus & Co Inc since 2011. Outside of his advisory work, he serves on the Board of Directors for Oroville Hospital, is president of the State Theater Arts Guild, participates on the City of Oroville Economic Loan Development Committee, and is the author of the novel "Sequoia Chronicles." Stifel serves a broad range of clients, including individuals, institutional clients, charitable organizations, and municipal entities, offering both brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group, providing asset allocation and planning analyses intended as a basis for client decisions.

Christine Forter is a financial advisor with LPL Financial, holding a Series 66 designation and possessing 19 years of industry experience. She has worked with LPL Financial since 2021 and previously operated her own advisory practice from 2014 to 2021. Forter has also held roles with Waddell & Reed, Inc. and various insurance carriers related to W&R insurance agencies. She has an additional business activity in non-variable insurance through Associates of Clifton Park. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and asset management services, utilizing a mix of model portfolios, third-party subadvisors, and customized strategies across discretionary and non-discretionary accounts.

Steven Raymond is a CFP®-certified financial advisor with 18 years of industry experience, currently affiliated with LPL Financial. His prior roles include positions at Safe Credit Union and Cambridge Investment Research Advisors. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting advisors with a range of customizable investment strategies and operational tools.

Ali Coleman is a Wealth Management Advisor at Merrill Lynch Wealth Management with over 23 years of experience in the financial industry and has been with Merrill since 2007. He specializes in delivering customized wealth management strategies by taking a disciplined approach that considers clients' entire financial and personal lives. Ali's process involves conducting regular reviews to help clients stay on track with their long-term financial goals. His expertise includes areas such as college education planning, divorce transition planning, executive compensation, family wealth management strategies, and more. Ali holds several professional designations including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned a Bachelor's Degree in Economics from California State University of Sacramento. In addition to his professional work, Ali participates actively in his community and is a member of the Natomas Chamber of Commerce. Outside of his career, he enjoys a variety of personal interests such as basketball, cooking, fishing, football, gardening, photography, running, and woodworking. He also spends time with his wife and two daughters.

Dean Mc Gill is a financial advisor at Ameriprise with Series 63 and Series 65 designations and 43 years of industry experience. He has been with Ameriprise since 2005, including his current role at Ameriprise since 2020. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Marcos Calderon is a CFP® with eight years of industry experience, currently serving at Wells Fargo Clearing since 2022. He previously worked at Bank of America, Merrill, and Edward Jones. 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.

Brian Winnen is a CFP® with 14 years of industry experience and is currently with J.P. Morgan Securities. He has been with JPMorgan Chase and its affiliates since 2011, serving in various roles across J.P. Morgan Securities LLC and JPMorgan Chase Bank. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence. The firm employs an ESG eligibility framework and offers a range of fund and strategy recommendations approved through internal review processes.

James Willson III is a financial advisor with Mass Mutual Investors Services in Roseville, CA, holding Series 63 and Series 65 credentials and bringing 25 years of industry experience. His prior work includes roles at The Leaders Group Inc and Lincoln Financial Distributors. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser offering financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides collaborative, annual financial planning engagements and a range of educational and event-driven planning programs.

Patrick Difuntorum is a Financial Advisor at Merrill Lynch Wealth Management. He holds the Professional designation of Personal Investment Advisor (PIA). Patrick earned his Bachelor's Degree from the California State University System. His role involves providing financial advisory services to clients within the wealth management sector.

Robert Duray is a financial advisor with LPL Enterprise holding a Series 66 designation and one year of industry experience. Prior to joining LPL Enterprise, he served in the United States Air Force for a total of eleven years. LPL Enterprise, LLC provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and corporate and charitable entities through a network of investment adviser representatives. The firm employs a model-driven investment approach and offers financial planning, access to third-party asset managers, and various insurance and trust services.

David Thomas is a financial advisor with Merrill, holding a Series 66 designation and 23 years of industry experience. He has been with Merrill since 2009 and has worked at Bank of America, N.A. since 2011. 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. The firm offers model-based and discretionary investment strategies supported by internal and third-party managers, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Joseph Zanolli is a financial advisor at Wells Fargo Clearing with five years of industry experience. He holds the Series 66 designation and has worked at Raymond James Financial and Raymond James Financial Services, Inc. He also operates Sierra Foothill Asset Management DBA Owens Estate Wealth Strategies Group. 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 broader investment menu that includes insurance-related vehicles and bank deposit sweep options.

Geoff Howard is a financial advisor at Wells Fargo Clearing with 20 years of industry experience. He holds a Series 66 designation and previously worked at Charles Schwab and Charles Schwab Bank for 14 years. 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 advisory solutions grounded in modern portfolio theory and tailored to plan-specific objectives and risk tolerances.

Jacob La Fond is a financial advisor with Mass Mutual Investors Services in Roseville, CA, holding Series 63, 65, and 66 licenses and 14 years of industry experience. Prior to joining MassMutual Life Insurance Co and MML Investors Services, LLC in 2024, he spent over a decade at Northwestern Mutual in various capacities. MassMutual Investors Services, LLC operates as a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, structuring planning engagements as annual, collaborative relationships focused on goal analysis and written recommendations.