Christopher Paydock is a financial advisor at OSAIC with 29 years of industry experience. He holds Series 63 and Series 65 designations and has worked previously at Securities America Advisors, LPL Financial, and National Planning Corporation. He also operates under the DBA Sunset Wealth Advisors. OSAIC serves a diverse range of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, employing asset-allocation tools and third-party money managers to construct and manage portfolios across various investment types.

Kenneth Clevenger is a financial advisor with Wells Fargo Clearing and has 18 years of industry experience. He holds a Series 66 designation and previously worked at J.P. Morgan Securities LLC. Outside of his financial career, he owns a custom guitar and woodworking business. Wells Fargo Advisors is a national securities firm that provides investment advisory services and financial planning to individual, corporate, and institutional clients, combining research and analytics with both brokerage and advisory solutions.

Jason Arnold is a financial advisor with UBS Financial Services in Granite Bay, California, holding a Series 66 designation and 24 years of industry experience. His previous work includes roles at Bank of America and Merrill. Outside of his advisory role, he coaches girls basketball and flag football at Granite Bay 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 offerings. The firm utilizes proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances.

William Huff is a financial advisor with Wells Fargo Clearing in Roseville, CA, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has been with Wells Fargo entities since 2011, including Wells Fargo Advisors LLC before joining Wells Fargo Clearing. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and brokerage solutions. The firm manages roughly $671 billion in assets and utilizes research from Wells Fargo Investment Institute alongside third-party databases to guide investment decisions.

Joshua Thaler is a financial advisor with Morgan Stanley in Roseville, CA, holding Series 63 and Series 66 designations and having 16 years of industry experience. He has been with Morgan Stanley since 2013. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a wide range of advisory programs to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and offers tailored financial planning services supported by structured discovery and firm-approved tools.

Craig Geisendorff is a financial advisor at Wells Fargo Advisors with 21 years of industry experience. He holds a Series 66 designation and has been with Wells Fargo Advisors Financial Network since 2026, following several years at Wells Fargo Clearing and Wells Fargo Advisors LLC dating back to 2008. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that serves individuals, trusts, and institutional clients. The firm offers a broad range of investment and financial planning services, including specialized planning for business-owner transitions, sports and entertainment, special needs, and divorce, using Wells Fargo research and planning tools to develop tailored client recommendations.

Stuart Wenger is a financial advisor at Ameriprise Financial Services LLC, holding a Series 66 designation. He has one year of industry experience, with prior roles across various firms and industries including Brigantine and PolyPros. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendations and ongoing planning advice focused on income strategies and tax-aware withdrawals for clients nearing or in retirement.

Janos Miszti is a financial advisor at OSAIC with eight years of industry experience. He holds a Series 66 designation and has worked at Royal Alliance Associates since 2018, following a year at Sii. Outside of his advisory work, he operates a small photography business specializing in senior portraits, events, and weddings, and volunteers as a STEM teacher at a local school. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisors and multiple advisory platforms. The firm employs a range of investment tools and third-party services to construct diversified portfolios tailored to clients’ needs.

Jeffrey Impey is a CFP® with 19 years of industry experience, currently serving as a financial advisor at Ameriprise in El Dorado Hills, CA. He previously worked at LPL Financial and Safe Credit Union for 15 years. Ameriprise provides a retirement-income planning service designed for individuals approaching or in retirement with significant investable assets, delivering written recommendation reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis, emphasizing managed accounts and using algorithmic automation to generate tailored retirement income recommendations.

Jazette La Barbera is a financial advisor with Merrill in Roseville, CA, holding a Series 66 credential and 13 years of industry experience. She has worked at Merrill since 2016 and is currently associated with Bank of America as well. Outside of her advisory role, she operates a sole proprietorship focused on affiliate marketing for consumer products and services. 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.

Walter Gallo Jr. is a financial advisor with Merrill in Roseville, CA, holding Series 63 and Series 65 designations and 13 years of industry experience. He has worked at Merrill and Bank of America since 2016 and previously was with Wells Fargo Advisors from 2012 to 2016. Walter is also involved as an owner and co-trustee of revocable living trusts. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Robert Molnar is a financial advisor at Wells Fargo Clearing with 16 years of industry experience. He holds a Series 66 designation and has previously worked at LPL Financial, Bank of the West, and BancWest Investment Services. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and includes both discretionary and non-discretionary options, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Desiderio Rodriguez is a Senior Financial Advisor at Merrill Lynch Wealth Management. He holds the designation of Personal Investment Advisor (PIA) and brings a focused approach to guiding clients through complex financial decisions. Desiderio works closely with executives, entrepreneurs, and families to support them at significant life milestones and assist them in achieving financial freedom. He earned his High School Diploma from Woodside High School.

Kevin Blaine is a financial advisor with Charles Schwab, holding Series 63 and Series 66 licenses and seven years of industry experience. His career includes roles at Charles Schwab & Co., Inc., Charles Schwab Banks SSB, and J.P. Morgan Securities, LLC. Prior to his advisory work, he held various positions outside finance including at Graves Roofing, Jimmy Johns, and Pizza Hut. Charles Schwab & Co., Inc. serves a large client base primarily composed of 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 blend of non-discretionary and discretionary investment management options supported by centralized operations and comprehensive advisory solutions.

Matt Erickson is a financial advisor with Cetera who holds the ChFC®, Series 63, and Series 65 designations and has 26 years of industry experience. He has been with Cetera and Cetera Wealth Services, LLC since 2013. Outside his advisory role, he is involved with fixed insurance products and operates under the financial services DBA American River Wealth Management. Cetera Investment Advisers LLC serves a broad client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a large network of advisors and supports multiple investment program structures and third-party managers.

Barbara Fain is a financial advisor at UBS Financial Services with 17 years of industry experience. She holds the Series 66 designation and has worked at UBS in various capacities since 2015. Additionally, she has been involved in Randy Fain Pool Construction since 2006. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, employing proprietary capital market assumptions and model-based asset allocations to tailor plans to clients' goals and risk tolerances. The firm combines institutional trading capabilities with wealth management services and offers a broad set of capital markets and research resources.

Thomas Biggs is a financial advisor at LPL Financial with 41 years of industry experience. He holds the Series 63 and Series 65 designations and previously worked at Western International Securities, Inc. for 13 years. He is also involved with Biggs Investment Management, an investment-related advisory and insurance business. 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 offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Frank Geremia III is a CFP® with 30 years of industry experience, currently serving at Wells Fargo Clearing since 2016. Prior to this, he worked at Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, he holds a 20% ownership in Geremia Companies, LLC, a non-investment-related business based in Sacramento, CA. Wells Fargo Clearing provides retirement plan consulting services 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 broader investment menu that includes insurance-related vehicles and bank deposit sweep options.

Raquel Austin is a financial advisor at Cambridge Investment Research Advisors with 22 years of industry experience. She holds a Series 66 designation and previously worked at Merrill and Bank of America. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base that includes individuals, pensions, charitable organizations, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals, utilizing a variety of portfolio management strategies and platform arrangements.

Christopher Green is a financial advisor with LPL Financial in Roseville, CA, holding Series 63 and Series 65 licenses and 16 years of industry experience. He previously worked at Cetera Advisors LLC for four years before joining LPL Financial in 2018. Outside of his advisory role, Green is involved in buying and renovating homes. LPL Financial serves a broad client base including individuals, retirement plans, banks, and corporations, offering financial planning, advisory programs, retirement consulting, and brokerage services through a large network of investment adviser representatives. The firm provides both discretionary and non-discretionary management with access to model portfolios, research, and a variety of investment strategies.