Nicholas Melnik is a financial advisor with LPL Financial based in Folsom, CA. He holds a Series 66 designation and has experience working in financial services and education since 2016, including positions at Miner Financial & Insurance and multiple educational institutions. He has been affiliated with LPL Financial since 2023. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm provides a range of advisory programs, financial planning, and retirement plan consulting, utilizing discretionary and non-discretionary management supported by in-house and third-party research.

Christian Lowe is a Planning Consultant at Fidelity Investments, where he assists individuals and families in developing personalized financial strategies that integrate investments, retirement planning, and long-term goals. He employs a disciplined, client-focused approach to financial planning. Prior to his current role, Christian served as a Relationship Manager at Fidelity Investments from 2023 to 2024 and was a Financial Solutions Representative at Merrill Lynch from 2015 to 2021. He holds a California Insurance License. Outside of his professional work, Christian has interests in fitness, hiking, music, outdoor adventures, traveling, and food.

Phillip Mottini is a financial advisor at Cetera with 29 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Cetera and its related entities since 2013. Mottini is the owner of Plan Well Live Well, a financial planning and portfolio management business. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of independent advisors. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to various third-party money managers.

Tammy Paredes is a financial advisor at Fidelity with six years of industry experience. She holds Series 63 and Series 65 designations and has worked previously at JPMorgan Chase & Co., Wells Fargo Clearing, and Wells Fargo Bank. In addition to her financial roles, she has an ongoing position with Maxim Healthcare Services. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction across a range of fund and model portfolio solutions.

JJ Veth is a Planning Consultant at Fidelity Investments, a role held since 2025. Prior to this, JJ served as a Relationship Manager at Fidelity Investments from 2023 to 2025 and as a Financial Representative at the same firm from 2022 to 2023. Before joining Fidelity, JJ worked as a Relationship Banker at Chase Bank from 2021 to 2022. JJ's approach to financial planning focuses on guiding clients through every phase of life with a comprehensive and holistic strategy. This includes offering considerations for retirement planning, tax-efficient investing, and legacy planning, supporting clients whether they are starting out, preparing for retirement, or facing major life transitions. JJ holds a California Insurance License and has personal interests that include fitness, food, movies, reading, and traveling.

Emily Bruns is a financial advisor at Edward Jones in Sacramento, CA, holding a Series 66 designation with one year of industry experience. Prior to joining Edward Jones, she worked with the Foundation for California Community Colleges and served in the California State Senate. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment options supported by a nationwide network of more than 23,700 financial advisors.

Doug Beard is a Planning Consultant at Fidelity Investments, a role he has held since 2024. In this capacity, he collaborates with clients and their families to develop and maintain personalized financial plans, focusing on creating clear and actionable roadmaps tailored to their needs. Prior to joining Fidelity Investments, Doug accumulated extensive experience in the financial services industry. He served as a Senior Investment Specialist at Principal Financial Group from 2020 to 2023 and held the position of Senior Internal Wholesaler there from 2002 to 2020. His professional background encompasses comprehensive financial planning and investment services. Doug holds insurance licenses in Arkansas and California. Outside of his professional work, he has interests in concerts, football, gardening, movies, painting, and spending time with pets.

Andrew Schexnaydre is a financial advisor at LPL Financial with 21 years of industry experience. He holds a Series 66 designation and has previously worked at Western International Securities, Inc. and Financial West Group. Outside of his advisory role, he operates an online tutoring business called Tried and True Tutoring. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing model portfolios, third-party subadvisors, and technology-driven investment strategies.

Gerald Harshberger II is a financial advisor with LPL Financial in Roseville, CA, holding a Series 66 designation and 15 years of industry experience. He has been with LPL Financial since 2011. Outside of his advisory role, he operates as an independent insurance agent selling fixed non-variable insurance products. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm provides a variety of advisory programs, financial planning, and retirement consulting, with both discretionary and non-discretionary management supported by research and model portfolios.

Christopher Nunn is a financial advisor at Mass Mutual Investors Services with 19 years of industry experience. He holds the Series 63 and Series 65 designations and has been with MML Investors Services LLC and MassMutual Life Insurance Company since 2015. Outside of his advisory role, he is also licensed as an independent life insurance agent. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, using firm-approved software and collaborative annual planning to guide clients’ investment strategies.

Keith Allred is a financial advisor with Osaic Wealth, Inc. based in Roseville, CA, holding a Series 66 designation and five years of industry experience. Prior to joining Osaic in 2020, he served in the US Army from 2016 to 2020. He is also affiliated with Blueprint Financial & Insurance Services, LLC, where he is involved in financial services and life insurance. Osaic Wealth, Inc. serves a diverse client base including individual investors, institutions, and charitable organizations through a wide network of affiliated advisers and multiple advisory platforms. The firm employs various portfolio construction tools and offers integrated brokerage, advisory services, and access to third-party money managers.

Forrest Macneil is a financial advisor at Wells Fargo Clearing with Series 63 and Series 66 licenses and two years of industry experience. He has worked with Wells Fargo Bank, N.A. since 2004. Outside of his advisory role, he owns and operates a collectibles business selling items on eBay. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary solutions. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, serving as an ERISA fiduciary and including a range of investment options such as insurance-related vehicles and bank deposit sweep programs.

Phuoc Van is a financial advisor at J.P. Morgan Securities with seven years of industry experience. He holds the Series 66 designation and has worked at JP Morgan Chase Bank, N.A. since 2018, following six years at JP Morgan Chase & Co. J.P. Morgan Securities LLC provides institutional consulting services to clients such as corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. As a subsidiary of J.P. Morgan, the firm integrates advisory services with affiliated brokerage, distribution, and investment management capabilities.

Mark Teh is a financial advisor with MassMutual Investors Services holding a Series 66 credential and three years of industry experience. Prior to joining the firm, he worked with MML Investors Services LLC and MassMutual Life Insurance Company, and he also spent 15 years with Amazing Facts International. Outside of his advisory role, he owns and operates a law firm specializing in estate planning. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, using firm-approved software to deliver written recommendations as part of annual collaborative planning engagements.

Cono Spinelli is a Wealth Management Advisor with Merrill Lynch Wealth Management. He began his career at Merrill Lynch in 1994 as an intern, entered a management training program in 1999, and became a financial advisor in 2001. Cono focuses on building and managing Fixed Income, Equities, and Options portfolios. He provides access to investment insights and supports clients in areas such as liquidity management, managing new wealth, personal retirement planning, portfolio management services, individual and corporate investment strategies, tax minimization, and retirement income. He holds a Bachelor of Science degree in Finance from Saint Thomas Aquinas College and holds the Personal Investment Advisor (PIA) designation. Cono's approach emphasizes understanding clients' life priorities to create personalized wealth management strategies tailored to their goals and aspirations. Outside of his professional role, Cono volunteers at Hackensack University Medical Center in both the pediatric and geriatric centers. In 2000, he established a scholarship fund in his mother's name for Jackson Avenue Elementary School in Hackensack, New Jersey. He lives with his wife and two children in El Dorado County and enjoys biking, gardening, and hiking.

Claudio Boroica is a financial advisor at Wells Fargo Clearing with 18 years of industry experience. He holds the Series 66 designation and has been with Wells Fargo Clearing since 2016, following a year at WELLS FARGO Advisors, LLC. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering a range of services including investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with options for both non-discretionary and discretionary management, including insurance-related investment vehicles and bank deposit sweep options.

Nicholas Pastorino is a financial advisor with Raymond James Financial Services Advisors who holds Series 63 and Series 66 credentials and has 20 years of industry experience. He has worked with Tri-Counties Bank since 2017 and has served as Director of Wealth Management there. Pastorino is also Vice President at Tri Counties Advisors and has responsibilities as an OSJ and active advisor. Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to individuals, high-net-worth investors, pension and profit-sharing plans, charitable organizations, and government entities. The firm offers tailored, primarily non-discretionary advisory solutions and maintains a notable involvement in municipal and public finance through its affiliation with Raymond James’ Public Financing department.

Eric Hanhold is a financial advisor at Wells Fargo Clearing with a Series 66 designation and two years of industry experience. Prior to his current role, he spent nine years working in Major League Baseball. 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 solutions tailored to plan objectives and risk tolerances. The firm’s advisory approach is IPS-driven and includes a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Bo Lowenberg is a financial advisor with Fidelity, holding Series 63 and Series 66 designations and possessing 21 years of industry experience. He has been associated with various Fidelity entities since 2005, including Fidelity Brokerage Services, Fidelity Personal and Workplace Advisors, and Fidelity Investments. Fidelity’s Strategic Advisers LLC, where Lowenberg operates, offers investment management and advisory services to retail and institutional clients, as well as registered investment companies. The firm combines proprietary research with quantitative analysis and algorithmic portfolio construction, managing model portfolios that include mutual funds, ETFs, and ETPs, and maintains unique roles such as commodity pool operator registration and advisory services to multiple investment funds.

Jacob Toomey is a financial advisor at Fidelity with Series 63 and Series 65 credentials and seven years of industry experience. His work history includes roles at Fidelity Investments, Strategic Wealth Advisors Group, LPL Financial, Principal Securities, Principal Life Insurance, Allstate Insurance, and Quest Technologies Management. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients, employing a systematic investment process that combines proprietary research, quantitative analysis, and algorithmic portfolio construction across mutual funds, ETFs, and ETPs. The firm also serves in advisory roles for registered investment companies and uses algorithmic methods and AI in its research.