Justin Qvistgaard is a financial advisor with UBS Financial Services in Sacramento, CA, holding a Series 66 designation and three years of industry experience. He previously worked at Cambridge Investment Research Advisors, HI Financial, and other firms. His background also includes roles outside finance, such as positions at Boise State University and Davis Senior High School. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management. The firm uses proprietary research and model-based asset allocations to tailor plans aligned with clients’ goals and risk tolerances.

Jacob Bless is a financial advisor with Wells Fargo Clearing in Reno, NV, holding Series 63 and Series 66 licenses and 12 years of industry experience. His prior roles include positions at U.S. Bancorp Investments and U.S. Bank. He has been with Wells Fargo Clearing since 2019 and Wells Fargo Bank since 2018. 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 services. The firm’s process is IPS-driven and incorporates a range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Bernardete Nunes is a financial advisor at Ameriprise with 28 years of industry experience. She holds Series 63 and Series 65 licenses and previously worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney from 2009 to 2023. Ameriprise offers retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficient strategies to generate personalized recommendation reports. The firm delivers these services through a centralized consulting team and provides a broad range of advisory, brokerage, and insurance solutions typical of a large institutional firm.

James Monroe is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and over 42 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2011 to 2016. Outside of his advisory role, Monroe owns a rental property in Placerville, California. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory options. The firm’s 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.

Jason McClellan is an Investment Consultant currently working at Fidelity Investments since 2024. In his role, he collaborates with clients to develop financial plans tailored to their specific needs, aiming to help them achieve their most important goals. Jason has accumulated experience in the financial industry through various positions at Franklin Templeton Investments from 2018 to 2024, including roles as Internal Advisor Consultant, Internal Sales Representative, Senior Client Representative, and Client Representative. He holds a California Insurance License.

Clay Evans is a financial advisor at Stifel with 28 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Stifel Nicolaus & Co Inc since 2009. His prior experience includes positions at Wells Fargo Investments, A. G. Edwards & Sons, and Charles Schwab. Stifel serves a diverse client base, including individuals, institutional investors, and nonprofit entities, offering both brokerage and advisory services. The firm’s investment approach incorporates a proprietary methodology developed by its Investment Strategy Group, which emphasizes forward-looking capital market assumptions and probabilistic modeling.

Russell Towne is a financial advisor with LPL Financial in Roseville, CA, holding a Series 63 designation and 39 years of industry experience. He has worked at LPL Financial since 2011 and previously held roles at Morgan Stanley and Wells Fargo Clearing. 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 portfolios, third-party asset management, and institutional platforms, with advice delivered primarily by investment adviser representatives using a variety of strategies and advisor-facing tools.

Jon Champney is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds Series 63 and Series 66 licenses and has worked at several firms including Edward Jones, Bank of America/Merrill Lynch, Wells Fargo, and Brizzi Financial. Champney is based in Sacramento, CA. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Andrew Scarry is a financial advisor with Wells Fargo Clearing in El Dorado Hills, CA, holding Series 63 and Series 66 licenses and 12 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC and Wells Fargo Bank NA, where he has been employed since 1999. 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 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 menus.

Julia Toone is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and nine years of industry experience. Her prior roles include positions at Wells Fargo Clearing, JP Morgan Securities LLC, and JPMorgan Chase Bank. She is also involved with Safe Credit Union in North Highlands, CA, where she serves as a notary. 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 advisory and brokerage services, utilizing model portfolios, third-party subadvisors, and customized strategies across various asset classes, supported by advanced operational tools.

George Salidas is a financial advisor at Morgan Stanley with 25 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley and its affiliated entities since 2008. His roles have included positions at Morgan Stanley Private Bank, National Association, and Morgan Stanley Smith Barney. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools and models.

Christopher Mc Leod is a financial advisor with LPL Financial in Sacramento, CA, holding a Series 66 designation and totaling eight years of industry experience. His prior experience includes roles at Mariner Independent Advisor Network, LLC, The Financial Services Network, and State Street Corporation. 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 investment services including financial planning, model portfolios, third-party asset management, and institutional platforms.

Andrea Orlando Skewis is a Wealth Management Advisor with The Carter Forward Skewis Group at Merrill Lynch Wealth Management. She joined the group in 2016 and works closely with clients to develop comprehensive financial strategies encompassing investments, banking, lending, and insurance services. Andrea has over 23 years of experience with Merrill Lynch Wealth Management, including more than a decade in leadership roles. She began her career in December 2001 as an intern in the Chico, California office and progressed through various positions, including Registered Client Associate, Client Relationship Manager for the Sacramento Market, and Administrative Manager. Her expertise covers areas such as college education planning, family wealth management strategies, retirement income, and managing new wealth. She earned a Bachelor of Science degree with a finance emphasis from Chico State University. Andrea holds several professional designations, including Certified Plan Fiduciary Advisor (CPFA), Certified Private Wealth Advisor (CPWA), and Personal Investment Advisor (PIA).

Amy Galvan is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously at WELLS FARGO Advisors, LLC from 2012 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering investment policy development, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a range of investment options that include insurance-related vehicles and bank deposit sweep programs.

Kenneth Meyers is a financial advisor with Robert W. Baird & Co. in Roseville, CA, holding Series 63 and Series 65 credentials and bringing 36 years of industry experience. He has been with Robert W. Baird & Co. since 2009. Outside of his advisory role, Meyers is involved in nonprofit work related to maintenance and upkeep of airport hangars and holds a passive ownership interest in a long-standing fishing shop. The DDK Group, part of Robert W. Baird & Co.’s Private Wealth Management division, serves individuals, corporations, pensions, and charitable organizations with a broad range of financial planning, portfolio management, and advisory services. The firm utilizes a combination of manager-traded and model-traded strategies, ongoing manager oversight, and internal research tools, and manages approximately $394 billion in assets as of December 31, 2025.

Kenneth Moodie is a financial advisor at Wells Fargo Clearing with 22 years of industry experience. He holds the Series 66 designation and has been with Wells Fargo since 2014, including a prior role at WELLS FARGO Advisors, LLC. He is based in Roseville, California. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages roughly $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Leo Huerta is a Financial Consultant at Fidelity Investments, where he has been serving since 2016. He brings over 17 years of experience in the financial services industry, focusing on helping individuals and their families develop, implement, and maintain personalized financial plans. His work centers on guiding clients through the complexities of investment, income, and retirement planning. Before his current role, Leo held various positions at Fidelity Investments, including Investment Consultant, Investments Representative, Client Service Manager, Private Client Group Relationship Manager, Premium Service Representative, and Financial Representative. He holds a California Insurance License. Outside of his professional career, Leo enjoys baseball, cooking and baking, family activities, hiking, outdoor adventures, and soccer.

Luke Iverson is a financial advisor at LPL Financial with 11 years of industry experience. He holds a Series 66 designation and previously worked at Crown Capital Securities, LP and Quest Securities, Inc. In addition to his advisory role, Iverson has outside employment with Aerojet Rocketdyne. 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 a range of services including financial planning, model portfolio programs, and institutional platforms, supported by technology tools and oversight of over $819 billion in discretionary assets.

Lew Lemon is a financial advisor at LPL Financial with 40 years of industry experience. He has worked at LPL Financial since 2007 and previously spent five years at SeCU Brokerage Services. In addition to his advisory role, he dedicates part of his time to working with Golden 1 Credit Union, meeting with members and referring them to credit union staff for traditional products. 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 a range of advisory services including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by advanced research and operational tools.

Jeff Maas is a financial advisor at OSAIC with 22 years of industry experience. He holds the CFP® and ChFC® designations as well as a Series 66 license. Prior to joining OSAIC in 2025, Maas spent 21 years with Lincoln Financial Advisors. He is also a co-author of the book "Mastering Your Financial Success" and provides consulting services through Matsko Consulting Group LLC. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and charitable clients through a large network of affiliated advisers. The firm offers a range of integrated brokerage, advisory, and retirement plan consulting services, employing asset-allocation tools, risk-tolerance questionnaires, and automated rebalancing to manage portfolios across various investment vehicles.