Jay Ramey is a financial advisor at Cetera with 37 years of industry experience. He holds Series 63 and Series 65 credentials and has been associated with Cetera and its related entities since 2013. Outside of his advisory work, he serves as a board member for the Bridlewood Canyon Homeowners Association. Cetera Investment Advisers LLC is an SEC-registered firm that supports a nationwide network of independent advisors serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a variety of portfolio management and financial planning services through multiple program structures and a range of third-party money manager options.

Carrie Christie is a financial advisor at Morgan Stanley with three years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley Smith Barney LLC since 2018, following ten years at Wells Fargo Advisors. Outside of advising, she owns and manages a rental property business. Morgan Stanley Wealth Management serves individual and institutional clients with a broad range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets. The firm emphasizes structured financial planning supported by firm-approved tools and engages in diverse investment activities, including private funds and principal trading.

Timothy Samodarov is a financial advisor with Primerica Advisors in Folsom, CA, holding Series 63 and Series 65 licenses and two years of industry experience. His prior work includes a decade at Visions in Education and ongoing roles within Primerica Financial Services and Primerica Advisors. Outside of advisory work, he is involved in sales of loan products and home security services through affiliated companies. Primerica Advisors offers discretionary asset management primarily through its Lifetime Investment Program, serving individual and high-net-worth clients with model-based and separately managed account strategies within a wrap-fee structure. The firm utilizes third-party asset managers and delegates trade execution to BNY Mellon Advisors, focusing on curated investment models rather than institutional pension or profit-sharing plan management.

Craig Parker is a financial advisor with Ameriprise in Carmichael, CA, holding Series 63 and Series 65 licenses and bringing 46 years of industry experience. His career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Salomon Smith Barney Inc. since 1995. Ameriprise offers a retirement-income planning service targeted at individuals approaching or in retirement with significant investable assets, providing written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver non-discretionary, algorithm-supported recommendations through a centralized consulting team.

Michael Mccreary Jr. is a CFP® with 18 years of industry experience, currently serving as a financial advisor at Raymond James Financial. He has held roles at Addison Avenue Investment Services and First Tech Federal Credit Union since 2012 and 2014, respectively. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, and institutional entities. The firm provides financial planning and non-discretionary investment consulting, emphasizing tailored strategies through detailed risk profiling and a range of implementation options.

Karl Silva is a financial advisor with Equitable Advisors in Roseville, CA, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has been with Equitable Advisors since 1999 and previously worked at AXA Advisors, LLC. Outside of finance, Silva is a silent partner in an interior design business, Life|Style Design Group. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations, providing financial planning, retirement-plan support, and access to asset management through LPL and various third-party managers. The firm operates a hybrid referral and implementation model and offers both advisory and brokerage/insurance services.

Amit Jaduram is a financial advisor at Fidelity with 15 years of industry experience. He holds Series 63 and Series 65 credentials and has been associated with various Fidelity entities since 2012. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios and manages assets through both discretionary and non-discretionary strategies.

Colin Simpson is a financial advisor with Ameriprise in Roseville, CA, holding Series 63 and Series 65 credentials and 14 years of industry experience. He previously worked at Wells Fargo Clearing, Wells Fargo Advisors, LLC, and Wells Fargo Bank, NA, accumulating over a decade of experience across these firms. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement with significant investable assets, providing tailored recommendation reports that incorporate tax-smart withdrawal strategies, Social Security options, and income source analysis. The firm employs a centralized consulting team and combines research, modeling, and algorithmic tools to deliver customized retirement income plans.

Nicholas Alafranji is a financial advisor at J.P. Morgan Securities with 16 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities and Jpmorgan Chase Bank, N.A. since 2009, with additional experience managing two private businesses. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a team of Wealth Advisors. The firm combines institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

Patricia Estopinal is a financial advisor with Robert Baird & Co. in Roseville, CA, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. She has been with Robert Baird & Co. since 2012. Outside of her advisory role, she serves as Treasurer for the Girl Scouts Heart of Central California. She is part of The DDK Group within Robert W. Baird & Co.’s Private Wealth Management practice, which advises individuals, families, pension plans, corporations, and institutional clients. The group offers tailored financial planning and portfolio management services that utilize both in-house and third-party managers across a range of investment strategies.

Hunter Lowry is a CFP®-designated financial advisor with eight years of industry experience, currently with Cetera in Roseville, CA. His prior experience includes roles at LPL Financial, NEXT Financial Group, and Waddell & Reed. Outside of his advisory work, he participates in team roping activities. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a multi-manager platform with a range of portfolio management options, including model portfolios, third-party managers, and bespoke strategies, managing over $256 billion in assets.

Brandon Bollengier is a financial advisor at Fidelity with one year of industry experience. He holds a Series 66 designation and previously worked at Intel Corporation. Outside of his advisory role, Brandon provides dog sitting services. Fidelity, through its Strategic Advisers LLC affiliate, offers investment management and advisory services to a diverse client base, utilizing a blend of proprietary research, quantitative analysis, and algorithmic portfolio construction across mutual funds, ETFs, and ETPs.

Matthew Haughton is a financial advisor at Merrill with six years of industry experience. He holds the Series 63 and Series 66 designations. His prior work includes roles at Bank of America, Wells Fargo Clearing Services LLC, and Wells Fargo Bank NA. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a diverse client base that includes individuals, high-net-worth clients, pension and profit-sharing plans, and charitable organizations.

Colleen Langs is a financial advisor with Morgan Stanley in Roseville, CA, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. She has worked at Morgan Stanley Private Bank, National Association since 2015 and with Morgan Stanley Smith Barney since 2012. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a broad range of advisory programs and tailored financial planning services supported by structured planning tools and firm-approved methodologies.

Kathryn Christensen is a financial advisor with OSAIC in Roseville, CA, holding Series 63 and Series 65 licenses and 17 years of industry experience. She previously worked at Securities America Advisors and Securities America Inc from 2016 to 2024. Christensen also holds a California insurance license for health, accident, and annuities, although she does not currently sell insurance. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and investment advisory services, financial planning, and access to third-party money managers and wrap programs. The firm employs various asset-allocation tools and supports both discretionary and non-discretionary portfolio management across multiple investment types.

Steven Lease is a financial advisor with Morgan Stanley in Roseville, CA, holding a Series 66 designation and possessing 16 years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2010, including Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a variety of advisory programs to both individual and institutional clients. The firm’s financial planning emphasizes structured discovery and utilizes proprietary tools and modeling techniques, serving approximately $2.74 trillion in client assets.

Douglas Behl is a financial advisor at LPL Financial with 42 years of industry experience. He holds the Series 63 designation and has been with LPL Financial since 2005. In addition to advising, he is involved in tax planning and preparation through a separate business activity. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a wide range of clients including individuals, retirement plans, institutions, and charitable organizations. The firm offers diverse advisory programs and financial planning services, utilizing both discretionary and non-discretionary management supported by proprietary and third-party research.

Christian Baldree is a financial advisor at OSAIC with 16 years of industry experience. He holds a Series 66 designation and has worked previously at Woodbury Financial Services and Questar Asset Management. Outside of his advisory role, Baldree serves as President of the Pacific Gold Aviation Association and sits on the board of trustees for the Roseville Theater Arts Academy, a nonprofit community theater organization. OSAIC serves a diverse client base, including retail and institutional investors, offering integrated brokerage and advisory services along with access to third-party money managers and unified managed accounts. The firm utilizes asset-allocation tools and automated rebalancing to construct portfolios across multiple asset classes on both discretionary and non-discretionary bases.

Joyce Blonskij is a financial advisor with Cambridge Investment Research Advisors, holding a Series 63 designation and having 40 years of industry experience. She has been with Cambridge Investment Research Advisors since 2005 and with Cambridge Investment Research, Inc. since 2003. Outside of her advisory role, she is an author of the book "Own the Clouds" and works as a health coach with Optavia. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension plans, charitable organizations, and retirement-plan sponsors, offering financial planning, investment management, and retirement advisory services through a network of independent Financial Professionals. The firm provides multiple investment implementation options, including proprietary and third-party strategies, tailored to client objectives.

Connor Schlecht is a financial advisor at Ameriprise with six years of industry experience. He holds a Series 66 designation and previously worked at DeBoer Financial Group and Commonwealth Financial Network. Outside of Ameriprise, he is an associate financial advisor at FHL Operations LLC. Ameriprise provides a retirement-income planning service targeting individuals with significant investable assets, combining research, modeling, and tax-efficient strategies to develop personalized recommendation reports. The firm operates as a large institutional provider offering a broad range of advisory, brokerage, and insurance solutions.