Teri Glaspy is a financial advisor at OSAIC with 15 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at firms including Securities America Advisors and Centaurus Financial Inc. She is also a partner and registered representative at Vector Wealth Management Inc., where she is involved in the sale of securities and insurance products. OSAIC serves a diverse client base, including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and investment advisory services, utilizing asset-allocation tools and multiple advisory platforms to manage portfolios that may include stocks, bonds, options, mutual funds, ETFs, and alternative investments.

Marleyna Rubin is a financial advisor at UBS Financial Services in Roseville, CA, holding a Series 66 designation with two years of industry experience. Her prior roles include positions at Wells Fargo Advisors and Wells Fargo Bank NA, as well as employment at the University of California, Merced. Rubin joined UBS Financial Services in 2022. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, offering financial planning, portfolio management, and access to a range of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances.

Julia Anderson is a financial advisor at Robert Baird & Co. with 18 years of industry experience. She previously worked at Stifel Nicolaus & Co. for 14 years before joining Robert Baird in 2023. Outside of her advisory role, she is involved in retail sales with Rodan & Fields. Julia is part of The DDK Group within Robert W. Baird & Co.’s Private Wealth Management practice, which serves individuals, families, pensions, corporations, and institutional clients. The group offers tailored financial planning and portfolio management services that include discretionary and non-discretionary management, separately managed accounts, and a range of traditional and non-traditional investment strategies.

Jahie Moore Johnson is a financial advisor at Wells Fargo Clearing with 19 years of industry experience. He holds a Series 66 designation and has been with Wells Fargo in various capacities since 2009. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s investment approach 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.

Makara Hang is a financial advisor at Raymond James Financial with Series 63 and Series 66 credentials and 24 years of industry experience. He has worked at Raymond James since 2012 and is also an associate at First Tech Federal Credit Union, where he contributes to the Investment Services Division. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse clientele, including individual and high-net-worth clients, corporations, and institutional investors. The firm provides tailored, non-discretionary planning and supports municipal and public finance through a unique affiliation with a municipal advisor.

Maxwell Glasheen serves as a Wealth Management Advisor at Merrill Lynch Wealth Management. In this role, he partners closely with clients to understand their unique financial situations and develop personalized strategies that address their specific goals. Maxwell focuses on areas including executive compensation, family wealth management strategies, and personal retirement planning, leveraging the global investment resources of Merrill and the banking solutions of Bank of America to implement these strategies. Maxwell holds a Bachelor's Degree in Liberal Arts from the University of Nevada, Las Vegas. 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). Maxwell is committed to working one-on-one with clients to create financial plans tailored to their long-term objectives. Outside of his professional responsibilities, Maxwell participates in community volunteer activities. His personal interests include golfing, reading, and woodworking.

Krista Brewer is a financial advisor with LPL Financial in Roseville, CA, holding a Series 66 designation and 24 years of industry experience. She has been with LPL Financial since 2005, following a brief tenure at Brecek & Young Advisors. In addition to her advisory role, she operates a tax planning and preparation business under the name Behl Financial. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services including financial planning, model portfolios, third-party asset management, and institutional platforms.

Todd De Kellis is a financial advisor with Raymond James Financial, holding a Series 66 designation and 18 years of industry experience. His prior work includes roles at Cambridge Investment Research and Woodbury Financial Services. He also provides financial advice to clients of First Tech Federal Credit Union and Addison Avenue Investment Services. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a wide range of clients, including individuals, institutions, and charitable organizations. The firm employs non-discretionary planning and analytical tools to tailor recommendations to client goals and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

Michael Carter is a Senior Financial Advisor and Senior Vice President with Merrill Lynch Wealth Management. He opened the Roseville, California office of Merrill Lynch as the Resident Director in 1993 and has been associated with Merrill Lynch since 1975. Michael holds the Chartered Retirement Planning Counselor™ (CRPC™) designation from the College for Financial Planning Institutes Corp. and the Personal Investment Advisor (PIA) credential. Michael earned a Master’s Degree in Business Finance and a Bachelor’s Degree in History from the California State University system. Prior to his career in financial services, he served in the Marine Corps, attaining the rank of Captain. His advisory focus includes college education planning, family wealth management strategies, managing new wealth, personal retirement planning, and retirement income. Michael has also contributed to the community through roles such as serving on the Finance Committee of the Boy Scouts of America, Golden Empire Council, and as a founding charter member of the Stand Up 4 Financial Literacy campaign in the greater Sacramento area. Outside of his professional work, Michael resides in Granite Bay, California with his wife Marie. They are parents of two sons who graduated from the Folsom School District while Marie served on the Folsom Board of Education. His personal interests include adventure sports, gardening, running, skiing, and traveling.

Marianne Santos is a financial advisor with Merrill in Roseville, CA, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. She has been with Merrill Lynch since 2007 and also worked at Bank of America, N.A. from 2024 to the present. 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 for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Matthew Waldron is a Financial Advisor at Merrill Lynch Wealth Management. He specializes in areas such as college education planning, family wealth management strategies, legacy planning, personal retirement planning, and tax minimization. Matthew holds a Bachelor's Degree from the California State University System. His professional designations include CERTIFIED FINANCIAL PLANNER (CFP), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). He is also affiliated with the organization Vitalant. Outside of his professional work, Matthew enjoys playing soccer and golfing. He encourages contact regarding business, hobbies, or local breweries in the area.

Andrew Marrach is a financial advisor with LPL Financial, holding a Series 66 designation and 27 years of industry experience. His prior roles include positions at SCF Investment Advisors, SCF Securities, WFG Advisors, Commonwealth Financial Network, Cambridge Investment Research, and Morgan Stanley. He is also involved in non-variable insurance activities. 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 solutions, utilizing various investment strategies and technology tools across a large network of advisors.

Jonathan Green is a financial advisor at Wells Fargo Advisors with six years of industry experience. He has held various roles within Wells Fargo and its affiliates since 2011. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of investment and financial planning services tailored to clients meeting certain net-worth criteria.

Neil Fluken is a CFP® professional with 25 years of industry experience, currently advising clients at LPL Financial since 2020. Prior to LPL, he worked at Securian Financial Services for 11 years and has been associated with Sgc since 2009. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of services including financial planning, model portfolio programs, and institutional platforms, supporting advisers with various investment strategies and technology tools.

Donald Coombs Jr. is a Series 66-licensed financial advisor with two years of industry experience, currently affiliated with LPL Enterprise. His prior roles include positions at Transamerica Financial Advisors, WFGIA, and Bank of America. LPL Enterprise provides investment advisory and brokerage services to a wide range of clients, including individuals, high-net-worth investors, retirement plans, and corporate and charitable entities. The firm’s investment approach is model-driven, relying on portfolios developed by internal research, third-party strategists, or TAMP sponsors, and it offers access to financial planning, asset managers, and insurance products through affiliated entities.

Michelle Burson is a financial advisor at Fidelity with nine years of industry experience. She holds the Series 66 designation and previously worked at Merrill Lynch Pierce Fenner & Smith and Bank of America, N.A. before joining Fidelity. 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 employs a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, and it is noted for its use of systematic methodologies and involvement in commodity pool operations.

Cathi Wallace is a Series 66-licensed financial advisor with 16 years of industry experience, currently with Thrivent Investment Management since 2009. Her tenure includes roles at Thrivent Financial and affiliated teams dating back to 2015. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering comprehensive written recommendations across various financial topics without including implementation. The firm emphasizes holistic, goal-based planning combined with managed-account options under a consolidated billing structure, maintaining a focus on non-discretionary planning services.

Kevin Dedenbach is a financial advisor with Wells Fargo Clearing, holding a Series 63 designation and 23 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 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 IPS-driven investment approach includes a broad range of financial products and acts as an ERISA fiduciary when providing investment advice.

Toan Le is a CFP®-credentialed financial advisor with 19 years of industry experience. He has worked at OSAIC since 2018 and previously spent 12 years with Sii. In addition to his advisory role, he is engaged as an advisor at Pacific Financial Partners. Osaic Wealth, Inc. serves a broad range of retail and institutional clients through a large network of affiliated financial advisers and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, financial planning, and access to third-party money managers, using various tools and strategies to construct diversified portfolios.

Julie Small is a Wealth Management Advisor based in the Roseville, California office of Merrill Lynch Wealth Management. She holds professional designations including CERTIFIED FINANCIAL PLANNER® (CFP), Chartered Retirement Planning Counselor™ (CRPC), and Certified Plan Fiduciary Advisor (CPFA). Julie focuses on delivering comprehensive financial advice tailored to the individual needs and values of her clients. She specializes in retirement planning, liability and insurance management, and investment selection. Julie works closely with high net worth clients, businesses, nonprofit organizations, endowments, and foundations to develop coordinated financial strategies that align with their personal and professional objectives. Her approach involves thorough, ongoing reviews to ensure strategies remain aligned with clients' evolving goals and circumstances. Julie earned her Bachelor of Fine Arts degree from the University of Arizona in 1988 and began her career in Graphic Design before joining Merrill Lynch in 1991. She has lived in the Sacramento region since then and participates in her local community, including serving on the Board of Directors at her daughter's former school. Julie currently resides in Granite Bay, California.