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.

Jason Uchi is a Financial Advisor at Merrill Lynch Wealth Management. In his current role, he provides financial advice and services to clients, assisting them in managing their wealth and achieving their financial goals. Further details about his experience, areas of expertise, education, credentials, personal interests, or community involvement were not provided.

Garrett Avila is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 10 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors, LLC and Wells Fargo Bank, N.A. Avila is based in Sacramento, CA. 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, and participant education. The firm’s advisory process is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

George Barron is a financial advisor with Charles Schwab in Sacramento, CA, holding Series 63 and Series 66 licenses and 23 years of industry experience. He has been with Charles Schwab since 2014 and also has experience with Charles Schwab Bank dating back to 2010. Outside of his advisory work, he co-owns a rental property managed through an agency. 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 options, leveraging multi-asset model portfolios, alternative investment due diligence, and an integrated operational structure.

Abigail DeWit is a Financial Consultant at Fidelity Investments, a position she has held since 2024. Prior to this role, she served as an Investment Consultant from 2023 to 2024 and as a Workplace Planning Consultant from 2021 to 2023, all within Fidelity Investments. In her current role, Abigail focuses on helping clients understand and have confidence in their unique financial plans, aligning with Fidelity's core commitments to financial education and strategy implementation. She holds a California Insurance License, which supports her work in providing comprehensive financial consulting services. Abigail's approach centers on educating clients on building and executing financial strategies that bring their personal goals to life. Outside of her professional pursuits, Abigail has interests in fitness, outdoor adventures, puzzles, volunteering, and yoga.

Danh Truong is a financial advisor at Merrill with six years of industry experience and holds a Series 66 designation. He has worked at Merrill and Bank of America since 2018. Outside of his advisory role, Truong serves as a caretaker for the In-Home Supportive Services program, a government caretaker initiative. 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 a variety of individual and institutional clients.

Titus Garrett is a financial advisor at OSAIC with 29 years of industry experience. He holds Series 63 and Series 66 credentials and has worked previously at Woodbury Financial Services, Inc., Questar Asset Management, and Woodmen Accident & Life Co., where he has also been involved in life insurance sales. Garrett serves as the owner and trustee of the Garrett Family Trust. OSAIC serves a broad mix of retail and institutional clients, providing integrated brokerage and investment advisory services through a large network of affiliated advisers. The firm utilizes asset-allocation tools and multiple investment platforms to construct portfolios including stocks, bonds, mutual funds, ETFs, and alternative investments.

Yousaf Zamanudin is a Wealth Management Advisor with Merrill Lynch Wealth Management. Since beginning his financial services career in 2012, he has specialized in creating tailored wealth management strategies for clients, focusing on areas such as retirement planning, estate and legacy planning, corporate executive services, and personalized investment strategies. His approach involves understanding clients' individual financial situations and goals to develop comprehensive plans that address wealth transfer, portfolio management, charitable giving, and business succession. Yousaf holds professional designations including Certified Investment Management Analyst (CIMA), Certified Private Wealth Advisor (CPWA), and Personal Investment Advisor (PIA). He earned accredited certificates from the Yale School of Management. He is involved in professional and community organizations such as the City of Sacramento Boards and Commissions and Junior Achievement of Sacramento, reflecting his commitment to community participation and service. Outside of his professional work, Yousaf pursues personal interests including adventure sports, biking, boating, chess, hiking, horseback riding, reading, running, and spending time with his family. He emphasizes a client-centered philosophy focused on working one-on-one to develop personalized financial strategies aligned with long-term goals.