Julie Ridgeway is a financial advisor with Cetera, holding a Series 66 designation and 39 years of industry experience. She has been associated with Cetera and its affiliates since 2013 and operates independently as well as through Chester & Associates, a firm she has been involved with since 1985. Outside of her advisory work, she is a partner in Rolling Hills Ranch, LLC, where she oversees the breeding, showing, and sale of horses. Cetera Investment Advisers LLC serves a wide range of clients, including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through a multi-manager platform, combining affiliated and unaffiliated investment strategies with both discretionary and non-discretionary account management.

Kevin Mc Kemie is a financial advisor with Edward Jones in Auburn, CA, holding Series 66 and Series 63 designations and over 23 years of industry experience. He has been with Edward Jones since 2017 and previously worked at Northern Lights Distributors, LLC. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a range of advisory programs and investment strategies supported by a nationwide network of over 23,000 financial advisors.

Aaron Fry is a CFP®, CFA®, and Series 66 licensed advisor at Fidelity with 16 years of industry experience. He has been with Fidelity Investments since 2013 and currently works in Roseville, CA. Outside of his advisory work, Fry is a member of a local band that performs at weddings and venues on weekends. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including discretionary and non-discretionary portfolio management, fund advisory, and model portfolio delivery. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction, and serves as an advisor to multiple registered investment companies.

David Stone is a financial advisor with OSAIC who holds the CFP® and ChFC® designations and brings 33 years of industry experience. Prior to joining OSAIC in 2025, he worked for Lincoln Financial Advisors Corporation for over three decades. In addition to his advisory role, he is an author and founder of Sierra Consulting Group, a financial planning and business planning firm. OSAIC serves a diverse client base, including retail and institutional investors, and offers comprehensive brokerage and advisory services through a large network of advisors and multiple platforms. The firm employs asset-allocation tools, risk assessments, and automated rebalancing to manage portfolios that can include a variety of investments, supporting both discretionary and non-discretionary account management.

Brandon Brooke is a financial advisor with Ameriprise in Auburn, CA, holding a Series 66 designation and 24 years of industry experience. He previously worked at MML Investors Services Inc and MassMutual for 16 years. Ameriprise provides retirement-income planning services targeting individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver non-discretionary, written recommendation reports, supported by a centralized consulting team and algorithmic tools.

Sharon Scoville is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. She 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 non-discretionary and discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes unique investment options such as insurance-related vehicles and bank deposit sweep programs.

Kaleigh Savage is a financial advisor with Robert Baird & Co. in Roseville, CA, holding a Series 66 designation and seven years of industry experience. She has been with Baird since 2019 and previously worked in various roles including insurance and healthcare. Outside of her advisory work, she is involved as a baker and personal consultant. She is part of The DDK Group, a team within Baird’s Private Wealth Management practice that serves individuals, families, pensions, corporations, and charitable organizations. The group provides tailored financial planning and portfolio management services, utilizing both in-house and third-party managers to implement a range of investment strategies.

Adam Persily is a financial advisor with Robert W. Baird & Co. in Roseville, CA, holding Series 63 and Series 65 credentials and bringing 34 years of industry experience. He has been with Robert W. Baird & Co. since 2009. Outside of his advisory role, he is an investor and passive member of Serrano Marketing LLC. Adam is part of The DDK Group within Robert W. Baird & Co.’s Private Wealth Management practice, which serves individuals, families, pensions, corporations, charitable organizations, and institutional clients. The group offers customized consulting and portfolio services, including financial planning and discretionary management, employing a variety of investment strategies and manager oversight options.

Joseph Mcgann is a financial advisor at Stifel with 27 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Stifel Nicolaus & Co Inc., Hilltop Securities Inc., and M.L. Stern & Co., LLC. Mcgann is based in Roseville, CA. Stifel serves a broad range of clients, including individuals, institutional clients, charitable organizations, and municipal entities, offering both brokerage and investment advisory services. The firm’s investment approach is based on a proprietary methodology developed by its Investment Strategy Group, which uses forward-looking capital market assumptions and probabilistic modeling to support asset allocation and planning analyses.

Kenneth Aquino is a financial advisor with Edward Jones in Lincoln, CA, holding Series 63 and Series 66 credentials and bringing 24 years of industry experience. He worked at Franklin Templeton Investments for 12 years before joining Edward Jones in 2019. 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 solutions supported by a large network of financial advisors and branch offices.

Michael Blair is a CFP® and Series 66-registered advisor with Edward Jones in Granite Bay, CA, where he has worked since 2020. He has five years of industry experience and previously worked at the California Dental Association and Mann, Urrutia, Nelson, CPAs & Associates LLP. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, supported by a nationwide network of over 23,700 financial advisors and $1.01 trillion in assets under management.

Katherine Treffinger is a financial advisor at Merrill with 10 years of industry experience. She holds a Series 66 designation and has been with Merrill since 2015. 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, offering model-based and discretionary strategies for a range of clients including individuals, high-net-worth clients, and institutions.

Chris Tryforos is a financial advisor with Wells Fargo Advisors in Roseville, CA, holding a Series 63 designation and 29 years of industry experience. His prior roles include positions at Cetera and Cetera Advisor Networks LLC, and he has been involved with Bruce Kajiwara, CFP since 2011. Outside of his advisory work, Tryforos serves as a trustee for a special needs trust established for his siblings. Wells Fargo Advisors Financial Network provides investment and financial planning services to individuals, trusts, and institutional clients, offering a broad menu of planning options that include retirement, education, risk, and special-needs planning. The firm utilizes proprietary research and tools to develop tailored recommendations delivered through discrete planning engagements.

Thaddius Leavens is a financial advisor at Edward Jones in Rocklin, CA. He holds a Series 66 designation and has one year of experience in the financial industry. Prior to joining Edward Jones, he served nine years in the United States Army and ten years with the Salt Lake County Sheriff's Office. 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 solutions, managing approximately $1.01 trillion in assets through a nationwide network of financial advisors and branch offices.

Dallas Watson is a Financial Consultant currently working at Fidelity Investments since 2020. In this role, he assists clients in pursuing their lifetime financial goals through a structured three-step process that includes understanding each client's individual situation, creating a tailored financial plan, and reviewing strategies based on that plan. Prior to his current position, Dallas held roles as a Financial Solutions Advisor at Bank of America Merrill from 2016 to 2020, a Life Insurance agent at Family First Life in 2015, and a Financial Advisor at Edward Jones from 2014 to 2015. He holds insurance licenses in Arkansas and California. Outside of his professional career, Dallas has interests that include family activities, fishing, military service, motorcycles, outdoor adventures, and swimming.

Edward Alexander is a financial advisor with Ameriprise in Reseda, CA, holding Series 63 and Series 65 credentials and 10 years of industry experience. He has worked at Ameriprise and its affiliated entities continuously since 2016, with a brief period of unemployment in 2018. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement who meet specific eligibility criteria, 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 tailored retirement income advice, primarily serving clients with substantial investable assets.

Jennifer Littlefield is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 credentials and 13 years of industry experience. She has been with Equitable Advisors since 2013, including its predecessor AXA-Advisors, LLC. She is also the owner of IWM Advisors LLC. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients by providing financial planning, retirement plan consulting, and asset-management programs. The firm delivers services through a network of Investment Adviser Representatives, utilizing a range of firm-offered and third-party advisory programs.

Chris Blanchfield is a financial advisor with Morgan Stanley in Roseville, CA, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has worked with Morgan Stanley Private Bank, National Association since 2015 and with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm employs structured planning tools and investment modeling to support client strategies and manages approximately $2.74 trillion in assets.

Jay Rizk is a financial advisor with Ameriprise in El Dorado Hills, CA, holding Series 65 and Series 66 credentials and 14 years of industry experience. His prior roles include positions at Kestra Financial Services, Guild Mortgage Company, and Praxis Consulting. Outside of advisory work, he is a co-owner of RizkIt Images, a business focused on event and landscape photography and retail sales of photos. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, notable for its Premier Retirement Income service that provides written recommendation reports and ongoing annual retirement-income planning advice emphasizing dependable income sources and tax-aware withdrawal strategies.

Kirk Buber is a financial advisor at Raymond James Financial with eight years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Wells Fargo and U.S. Bancorp Investments. He also assists financial advisors in administrative roles at Addison Avenue Investment Services, a division of First Tech Federal Credit Union. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional investors. The firm emphasizes tailored, non-discretionary planning using risk profiling and modeling tools and supports municipal and public finance work through a unique municipal advisor affiliation.