John Duwe is a financial advisor with LPL Financial, holding a Series 66 designation and bringing eight years of industry experience. He has worked at LPL Financial since 2017 and concurrently serves at SAFE Credit Union since 2015. He is also involved as a non-variable insurance producer at Back Nine. 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 offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Eric Schraeder is a Vice President and Wealth Planner at Fidelity Investments, where he has been serving since 2016. In this role, he partners with families to prioritize wealth planning goals and prepare for both certainties and unknowns they may face. He has over a decade of experience in financial advisory, having worked as a Financial Advisor at US Bancorp Investments, Inc. from 2011 to 2016, and previously at UBS Financial Services and Wells Fargo Advisors from 2007 to 2011. Eric holds a California Insurance License.

Jeffrey Sundberg is a financial advisor with Charles Schwab in Folsom, CA, holding Series 63 and Series 66 licenses and 30 years of industry experience. His career includes over two decades at TD Ameritrade and a brief tenure at Fidelity Investments before joining Charles Schwab in 2022. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary investment guidance and access to discretionary separately managed accounts, supported by a multi-asset portfolio approach and centralized operational infrastructure.

Sita Lalchandani is a CFP® with 30 years of industry experience, currently an advisor at Cetera. She has been with Cetera Advisors LLC since 2012 and joined Cetera in 2024. Outside of her advisory role, she is involved with GLH&C Financial Services, a securities and fixed insurance business. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with over 10,000 advisors and more than $256 billion in assets under management.

Roosevelt Kirby is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and having 36 years of industry experience. He has worked with PFS Investments Inc. and Primerica Financial Services since 1989. His other business activities include sales of loan products and home-related services through affiliates of PFS Investments Inc. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, providing model-delivery strategies and selectively managed accounts for individual and high-net-worth clients within a wrap-fee structure. The firm curates third-party asset managers and delegates trading responsibilities to BNY Mellon Advisors.

Kevin Wong is a financial advisor at Osaic with 25 years of industry experience and holds Series 63 and Series 66 credentials. His prior roles include positions at Woodbury Financial Services, BFC Planning, Berthel Fisher & Company Financial Services, and LPL Financial. Outside of advisory work, he operates a sole proprietorship providing life and long-term care insurance illustrations and policy creation. Osaic Wealth, Inc. serves a diverse client base including individual investors, pension plans, corporations, and charitable organizations through a broad network of affiliated advisors. The firm offers integrated brokerage and advisory services, utilizing asset-allocation tools, risk-tolerance assessments, and third-party platforms to construct portfolios with various investment vehicles on both discretionary and non-discretionary bases.

Jeffrey Chorn is a financial advisor with Fidelity, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. He has been with Fidelity Investments and its affiliated entities since 2011. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including an IRS-qualified Charitable Gift Fund and registered investment companies. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios and deliver model portfolios to intermediary platforms.

Kristen Haydon is a financial advisor at OSAIC with a Series 66 designation and one year of industry experience. Her prior roles include positions at Retirement Security Centers and the Financial Wellness Clinic, as well as a decade of self-employment. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, utilizing asset-allocation tools and various investment options across multiple platforms.

Kulvinder Rai is a financial advisor with LPL Financial in Fair Oaks, CA, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. He has worked with LPL Financial since 2012. Rai also serves as a trustee in a fiduciary capacity. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, financial institutions, corporations, and charities. The firm offers various advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by research and technology.

Raina Montgomery is a financial advisor with Edward Jones in Carmichael, CA, holding a Series 66 designation and one year of industry experience. Prior to joining Edward Jones, she worked in various educational roles including positions at Capital Christian School and Victory Christian School. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, supported by a nationwide network of approximately 23,700 financial advisors.

Matthew Voelker is the Vice President and Branch Leader at Fidelity Investments, a position he has held since 2015. In this role, he supports a team of associates and Financial Consultants focused on helping clients achieve their financial goals and dreams. Matthew has extensive experience in the financial services industry, having held multiple leadership roles at Prudential from 1990 to 2014, including Territorial Vice President, Managing Director, Sales Manager, and Representative. He holds a California Insurance License. Outside of his professional responsibilities, Matthew enjoys baseball, golf, traveling, and spending time with family and friends.

Brett Tank is a financial advisor with UBS Financial Services in Sacramento, CA, holding a Series 66 designation and 24 years of industry experience. He has been with UBS since 2001. Outside of his advisory role, he serves as president of the alumni board for the Phi Chapter of Alpha Gamma Rho Fraternity. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, using proprietary capital market assumptions and research to tailor financial plans. The firm combines institutional trading capabilities with wealth management services, including market-making, underwriting, and affiliated banking programs.

Ronald Tolle is a financial advisor at Morgan Stanley with 36 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley and Morgan Stanley Private Bank, National Association since 2013 and 2015, respectively. He is based in Folsom, California. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools such as Secular Return Estimates and Monte Carlo simulations.

John Reuter is a financial advisor at Charles Schwab with 10 years of industry experience. He holds the Series 63 and Series 66 licenses and has worked at Charles Schwab and Charles Schwab Bank since 2019, following four years at TD Ameritrade. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers a distinctive operational structure including alternative investment programs and cash-sweep arrangements.

Joshua Strawn is a financial advisor with UBS Financial Services in Sacramento, CA, holding Series 63 and Series 65 designations and bringing 28 years of industry experience. He has been with UBS since 2001. Outside of his advisory role, he serves as a board member of the McKinley Elvas Neighborhood Alliance. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings that include fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and employs proprietary research and model-based asset allocations to tailor investment plans.

Thomas Taylor is the Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2023. He has been with Fidelity since 2015, progressing through roles including Financial Consultant, Investment Consultant, and Financial Representative. Thomas focuses on creating and maintaining financial plans tailored to the specific situations of clients and their families. His work centers on retirement, investment, and income planning strategies, aiming to build client confidence in these areas. He holds a CA Insurance License.

Tram Bennette is a financial advisor at Morgan Stanley with over 20 years of experience in the investment industry. Their background includes roles at Chase Investment Services Corp. and WMFS, spanning more than two decades. Bennette holds Series 66, Series 63, and Series 65 licenses. Morgan Stanley Wealth Management provides advisory and brokerage services to both individual and institutional clients, offering tailored financial planning and a variety of investment programs. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by advanced modeling tools.

Young Moon is a financial advisor with LPL Financial based in Sacramento, CA, holding Series 63 and Series 66 licenses and having five years of industry experience. Prior to joining LPL Financial, Young worked at Merrill, Bank of America, and Citigroup. He is also associated with Golden1 Credit Union. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charities through a national network of advisers, providing financial planning, advisory programs, and retirement plan consulting.

Richard Allison is a financial advisor at OSAIC with 24 years of industry experience. He holds the Series 66 designation and has been owner of Allison Wealth Management since 2009, providing financial planning and asset management services. He is also involved in insurance sales through Allison Wealth Management and serves as a member of the Orion Portfolio Solutions Advisory Council. OSAIC serves a wide range of clients, including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, employing various asset-allocation tools and investment platforms to manage diversified portfolios.

Robert Roth is a financial advisor with Ameriprise in El Dorado Hills, CA, holding a Series 66 designation and 37 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Ameriprise offers retirement-income planning services focused on clients approaching or in retirement, typically with significant investable assets, combining research, modeling, and tax-efficient strategies to deliver tailored recommendation reports. The firm provides a broad range of advisory, brokerage, and insurance solutions through its large institutional platform.