David Else is a financial advisor with Wealth Enhancement Advisory Services, LLC, holding Series 63 and Series 66 licenses and bringing 20 years of industry experience. His prior roles include positions at Titus Wealth Management and LPL Financial. He provides investment advisory services through Wealth Enhancement Advisory Services, LLC. Wealth Enhancement Advisory Services, LLC is an SEC-registered enterprise advisory firm serving individuals, trusts, estates, charitable organizations, corporations, and retirement plans. The firm offers financial planning, discretionary and non-discretionary asset management, and specialized retirement plan consulting, employing a strategic investment process that combines passive and active management guided by an internal Investment Committee.

Joseph Manzo is a financial advisor with Principal Financial Services in Roseville, CA, holding Series 63 and Series 65 licenses and 17 years of industry experience. His career includes roles at Meridian Wealth Management and Insurance Services since 2021 and a decade of work with Principal Life Insurance and Principal Securities. Manzo also owns Manzo Financial, a sole proprietorship for managing business expenses unrelated to investment advisory services. Principal Securities offers brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and charitable organizations. The firm provides financial planning, retirement consulting, and access to third-party money manager programs through various adviser and promoter arrangements.

Aaron Ivey is a financial advisor at Voya Retirement Advisors, LLC with 10 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Voya Financial Advisors, Inc. and Pruco Securities LLC prior to his current role. Voya Retirement Advisors, LLC provides retirement-plan investment advice and managed account services to participants in employer-sponsored plans. The firm utilizes third-party advice models and offers discretionary professional management with features such as income-focused portfolio adjustments and optional annuity purchases.

Lynzie Wolters is a ChFC® credentialed financial advisor with 13 years of industry experience, currently with Eagle Strategies (NY Life). She has worked at Eagle Strategies since 2020 and has held roles at Capital Edge Insurance & Financial Services, NYLIFE Securities, LLC, and New York Life Insurance Company since 2013. Outside of her advisory work, she volunteers with several nonprofit organizations supporting law enforcement, firefighters, and their families. Eagle Strategies serves a broad range of individual and institutional clients, providing financial planning, investment management, and retirement-plan advisory services. The firm offers multiple program types tailored to client objectives and emphasizes fiduciary responsibilities, with most assets managed on a non-discretionary basis.

Brad Heaps is a CFP® professional with 19 years of industry experience. He is currently with Farther and previously worked at Charles Schwab and Charles Schwab Bank for 19 years. He holds the Series 66 designation. Farther serves individual investors, trusts, and estates through a technology-driven advisory platform combined with direct client meetings. The firm employs an investment approach based on Modern Portfolio Theory, utilizing bespoke and algorithmic model portfolios with automatic rebalancing, and primarily allocates among ETFs, mutual funds, equities, and fixed income.

Matthew De Garmo is a CFP® with eight years of experience in financial advisory roles. He has worked at AW Securities and Allworth Financial since 2022, and previously held positions with Fidelity Brokerage Services, The Vanguard Group, and The Shamrock Companies. Allworth Financial is a fee-based SEC-registered adviser serving individuals, qualified retirement plans, trusts, estates, charitable organizations, and corporate clients. The firm offers customized portfolio management using a range of strategies, including model allocations and specialized ETF approaches, and features ownership ties to private investment vehicles and the Ontario Teachers’ Pension Plan.

Ryan Heidrich is a financial advisor with Principal Financial Services in Roseville, CA, holding a Series 66 designation and 16 years of industry experience. He has worked with Principal since 2016 and previously held roles at Waddell & Reed and various insurance agencies. Outside of financial services, he is involved with Lionheart Enterprises, a business that imports and sells goods at county fairs and trade shows. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and active-duty military personnel. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager solutions, with investment implementation typically carried out on a discretionary basis by those managers.

Marco Rodriguez is a financial advisor with Principal Financial Services, holding Series 63 and Series 65 licenses and over 33 years of industry experience. He has been affiliated with Principal Life Insurance Co. since 1998 and Principal Securities Inc. since 1992. Outside of his advisory role, he serves on multiple nonprofit boards, including as president of the Mexican Cultural Center of Northern California and as a board member of Pride Industries, Cien Amigos, and University Enterprise Inc. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and active-duty military personnel. The firm offers direct advisory programs, financial planning, and access to third-party money managers through various advisory and promoter arrangements.

William Stevens is a financial advisor at Allworth Financial, L.P. in Sacramento, CA, with 23 years of industry experience. He holds a Series 65 designation and has worked at Allworth Financial since 2020. Stevens also has a longstanding affiliation with Raa dating back to 2008. Allworth Financial is a fee-based SEC-registered adviser serving individuals, qualified retirement plans, trusts, estates, charitable organizations, and corporate clients. The firm offers customized portfolio management using a variety of model strategies and employs technology to manage held-away retirement accounts, with ownership ties to private investment vehicles and the Ontario Teachers’ Pension Plan.

Allison Scoggin is a CFP®-certified financial advisor with 13 years of industry experience. She is currently with Allworth Financial, L.P., where she has been since 2024. Her prior experience includes roles at Arbor Point Advisors, Securities America Advisors, Inc., and KMS Financial Services, Inc. In addition to her advisory work, she has a related insurance agent role receiving trails from policies written under Tridea. Allworth Financial is a fee-based SEC-registered adviser serving individuals, qualified retirement plans, trusts, estates, charitable organizations, and corporate clients. The firm uses customized portfolios with a range of model strategies and employs technology solutions to manage held-away employer retirement accounts without client login credentials.

James Dillon is a CFP® professional with 19 years of industry experience, currently serving at Independent Financial Group, LLC since 2016. He is also the CFO and a 50% owner of Montessori Manor, Inc., a pre-school and kindergarten, a role he has held since 1992. Independent Financial Group is a large advisory and brokerage firm offering investment advisory programs, financial planning, and retirement services to individuals, trusts, corporations, business owners, and plan sponsors. The firm manages regulatory assets of approximately $12.9 billion and delivers investment advice through various models, combining in-house and third-party managers, while operating as both a registered investment adviser and an active broker-dealer.

Scarlett Leiva is a financial advisor with Citigroup Global Markets, holding Series 63 and Series 66 licenses and 27 years of industry experience. She has been with Citigroup Global Markets since 2007. Citigroup Global Markets serves individual and institutional clients across various private banking and wealth management segments. The firm employs multi-asset, multi-manager investment strategies through discretionary and non-discretionary programs and offers a wide range of advisory, execution, and custody services.

James Ferguson is a financial advisor at VALIC Financial Advisors with 13 years of industry experience. He holds a Series 66 designation and has been with VALIC since 2015. In addition to his advisory role, he is an agent for non-securities insurance products at Agia. VALIC Financial Advisors primarily serves U.S.-domiciled individual investors, including high-net-worth and ultra-high-net-worth clients, as well as corporate and retirement-plan participants. The firm offers discretionary managed-account programs, financial planning, consulting, and brokerage services, utilizing Envestnet-developed UMA models for portfolio construction.

Raquel Salas Bramasco is a CFP® professional with over 10 years of experience in financial advisory. She has been with First Command Advisory Services since 2015. First Command Advisory Services, Inc. is an SEC-registered investment adviser that serves individuals, corporate, and charitable clients, with a particular focus on active-duty service members and their families. The firm offers financial planning and various wrap-fee asset management programs supported by a centralized Investment Management Team and Wealth Portfolio Managers who select and manage model portfolios using preapproved mutual funds, ETFs, and third-party managers.

Michael Demko is a financial advisor with Allworth Financial, L.P. and holds a Series 63 designation. He has 26 years of industry experience, including prior roles at Siena Wealth Management, Inc. and LWI Financial, Inc. He is the owner of Demko & Associates, Inc., an S-Corp formed in 2011 related to a tax preparation practice he managed until 2013. Allworth Financial is a fee-based SEC-registered adviser serving individuals, qualified retirement plans, trusts, estates, charitable organizations, and corporate clients. The firm employs customized portfolios using various model strategies and offers both discretionary and non-discretionary asset management along with financial planning and retirement plan consulting.

Peter Abi Nader is a CFP® with 16 years of industry experience, currently serving as a financial advisor at Allworth Financial, L.P. in Folsom, CA. Prior to joining Allworth Financial in 2022, he spent six years with Pennington Financial Group. Allworth Financial is a fee-based SEC-registered adviser that serves individuals, qualified retirement plans, trusts, estates, charitable organizations, and corporate clients. The firm offers customized portfolio management using a range of model strategies and employs technology to manage held-away employer retirement accounts.

Grant Mathews is a financial advisor at Guardian Life with a Series 66 designation and one year of industry experience. His prior roles include positions at Northwestern Mutual and The Thakar Group, Inc. Outside of finance, he has worked in retail and community settings, including In N' Out Burger and Bayside Church. Guardian Life’s Park Avenue Wealth Management is a broker-dealer and SEC-registered investment adviser serving individuals, pension and profit-sharing plans, charitable organizations, and corporate clients. The firm offers a range of brokerage, financial planning, and advisory services, including discretionary and non-discretionary model portfolios and digital advisory solutions.

Chien Yeh is a financial advisor with Eagle Strategies (NY Life) based in Roseville, CA. He holds a Series 66 designation and has 21 years of industry experience. Yeh has worked with Eagle Strategies and affiliated entities since 2011 and is a partner at Caduceus Financial & Insurance Services, where he brokers insurance and sells financial products. Eagle Strategies serves a broad mix of individual and institutional clients, providing financial planning, investment management, and retirement-plan advisory services through a large network of advisers. The firm emphasizes tailored recommendations and primarily manages assets on a non-discretionary basis, with a focus on advisory services linked to insurance and annuity products.

Ryan Russo is a financial advisor with Valic Financial Advisors, holding a Series 66 credential and five years of industry experience. His work history includes roles at Agia and AIG Retirement Services. Outside of advisory services, he is an agent for non-securities insurance products with Agia. Valic Financial Advisors serves U.S.-domiciled individual investors, including high-net-worth clients, as well as corporate and retirement-plan participants. The firm offers discretionary managed-account programs, financial planning, and brokerage services, utilizing Envestnet UMA models for portfolio construction.

James Linebarger is a financial advisor at Allworth Financial, L.P. in Sacramento, CA, with eight years of industry experience. He has been with Allworth Financial since 2020 and also works with RAA. Outside of his advisory role, James is a pilot for United Airlines and is involved in real estate development and home building. Allworth Financial is a fee-based SEC-registered adviser serving individuals, qualified retirement plans, trusts, estates, charitable organizations, and corporate clients. The firm offers customized portfolio strategies, including core-satellite, pure-index, and specialized models, and uses technology to manage held-away employer retirement accounts.