Elizabeth Festejo is a financial advisor with Cetera, holding Series 63 and Series 66 credentials and 27 years of industry experience. She has been associated with Cetera and its affiliated entities since 2014. Outside of her advisory role, she is involved in managing De Novo Wealth Management and works as an insurance agent specializing in life, health, annuities, and disability products. Cetera Investment Advisers LLC operates a multi-manager platform serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management, financial planning, and consulting services through a large network of independent advisors.

Sean O’Neill is a CFP® professional with 15 years of experience, currently serving as a financial advisor at Edward Jones since 2011. He holds the Series 66 designation and operates out of Galt, CA. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management and offers a range of advisory solutions, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Hong Van is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. He holds Series 63 and Series 66 licenses and has been with J.P. Morgan Chase Bank and its securities affiliates since 2016. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, using a combination of quantitative asset-allocation modeling and centralized due diligence, with an emphasis on ESG criteria and a non-discretionary advisory approach.

Dakota Van Dyke is an Investment Advisor Representative at Cambridge Investment Research Advisors with one year of industry experience. He holds the Series 66 designation and has a background that includes coaching youth sports through the Elk Grove Unified School District. Cambridge Investment Research Advisors serves a wide range of clients, including individuals, retirement plans, and charitable organizations, offering financial planning, investment management, and retirement plan advisory services through a large network of independent Financial Professionals. The firm provides both proprietary and third-party model strategies and employs multiple platform arrangements tailored to client objectives.

Lay Hagan is a financial advisor at Fidelity with six years of industry experience. He holds a Series 66 designation and has previously worked at Merrill Lynch/Bank of America and California Bank and Trust. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, as well as registered investment companies, using a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm also manages multi-manager and fund-of-funds structures and utilizes systematic methodologies and long-term asset allocation benchmarks in its investment process.

Yun Chen is a financial advisor with Merrill in Elk Grove, CA, holding a Series 66 designation and eight years of industry experience. Chen has been with Merrill and Bank of America, N.A. since 2013. Outside of advisory work, Chen is a co-owner of a family-related business in Fremont, California. 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.

Derek Van Dyke is a Series 66-credentialed financial advisor with one year of industry experience, currently affiliated with Cambridge Investment Research Advisors. His prior work includes roles at Cantella & Co., Inc., Door Dash Inc., and California State University Stanislaus. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension plans, charitable organizations, and trusts. The firm provides financial planning, investment management, and retirement plan advisory through independent Financial Professionals using various custody platforms and both discretionary and non-discretionary strategies.

Benny Vallejo is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. He holds Series 63 and Series 66 licenses and has been with various J.P. Morgan entities since 2016. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Randall Nishimi is a financial advisor with Cetera who holds a Series 63 designation and has 42 years of industry experience. He has been associated with Cetera Wealth Services, LLC since 2013 and with Rodda & Nishimi, Inc. since 1983, where he serves as vice president and secretary-treasurer. Cetera Investment Advisers LLC is a nationwide SEC-registered advisor serving individual, retirement plan, corporate, charitable, and institutional clients through a large network of over 10,000 advisors. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform with various program structures and custodial relationships.

Jeffrey Fletcher is a financial advisor with Edward Jones in Sacramento, CA, holding Series 63 and Series 66 licenses and bringing 21 years of industry experience. He has been with Edward Jones since 2011. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management and offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Wade Lokka is a CFP® professional with 25 years of industry experience, currently with Raymond James Financial Services Advisors, Inc. He previously worked at Edward Jones for 19 years before joining Raymond James in 2019. Outside of his advisory role, he is president and managing partner of Season 59 Financial LLC, a support company focused on limiting liability and managing administrative aspects of his advisory business. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a wide range of clients including individuals, high-net-worth clients, pension plans, corporations, and institutional investors. The firm emphasizes tailored, non-discretionary consulting using analytical tools and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

Douglas Van Dyke is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 66 credentials and bringing 33 years of industry experience. He previously worked at Cantella & Co., Inc. for 20 years before joining Cambridge in 2022. Van Dyke serves as a board member for TKOP Investment LLC, focusing on estate planning. Cambridge Investment Research Advisors serves a diverse client base, including individuals, pension plans, charitable organizations, and trusts, providing financial planning, investment management, and retirement advisory services through a network of independent Financial Professionals. The firm offers a range of investment solutions, including proprietary model strategies and access to third-party managers, with both discretionary and non-discretionary options tailored to client objectives.

Beverly Brautigam is a financial advisor with Cetera who holds the PFS™ and Series 66 designations and has 27 years of industry experience. She previously worked at Avantax Insurance Services, Inc. for five years and has operated Brautigam & Co. since 1984. Beverly also speaks at conferences on tax-related topics through the California CPA Education Foundation. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to both affiliated and third-party investment managers.

Michael Brandt is a financial advisor at Edward Jones with a Series 66 designation and three years of industry experience. Prior to joining Edward Jones in 2022, he worked for Marathon Petroleum Company for six years. Outside of his advisory role, he is involved with Associated Students Inc. as special event staff at an aquatic center, where he networks within the rowing community. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of advisory programs and investment solutions. The firm manages approximately $1.01 trillion in assets and supports its clients through a nationwide network of financial advisors and branch offices.

Suzy Lam is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. She holds a Series 66 designation and has been with J.P. Morgan Securities since 2015. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting through a select group of Wealth Advisors. As a subsidiary of J.P. Morgan, the firm combines large institutional advisory operations with affiliated brokerage, distribution, and investment management capabilities.

Kristin Dawson is a financial advisor with Primerica Advisors in Sacramento, CA, holding Series 63 and Series 65 licenses and having four years of industry experience. She has worked at PFS Investments since 2022 and with Primerica Financial Services since 2021. In addition to her advisory role, she has been employed by the Elk Grove Unified School District since 1999. Dawson also participates in the sale of loan products and home-related services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and discretionary separately managed accounts primarily to individual and high-net-worth clients. The firm uses third-party asset managers and custodians, including BNY Mellon Advisors and Pershing, and operates with a tiered wrap-fee structure.

Julio Garcia Frias is a financial advisor at J.P. Morgan Securities with eight years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Wells Fargo Clearing and Wells Fargo Bank. Outside of his advisory role, Julio is involved as a youth soccer coach with the Sacramento United Soccer Club. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework to guide its recommendations.

Caitlan Bjornsen is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. She holds a Series 66 designation and has been with J.P. Morgan Securities since 2015. Outside of her advisory role, she assists with bookkeeping and computer tasks for a landscaping business owned by her husband. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm delivers these services on a non-discretionary basis, combining large institutional advisory operations with broker-dealer and investment adviser registrations.

Kelly Shultz is a financial advisor at Edward Jones with seven years of industry experience. She holds a Series 66 designation and has been with Edward Jones since 2018. Prior to joining Edward Jones, her work background includes roles at Dolphin Destiny Adventures, Procana Holdings LLC, Telestream, and Brightcove. Edward Jones is a full-service wealth management firm serving both individual and institutional clients, including high-net-worth households and charitable organizations. The firm manages approximately $1.01 trillion in assets and offers a range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds.

Lawrence Newman is a financial advisor at OSAIC with 49 years of industry experience. He previously worked at Foothill Securities, Inc. for 28 years and Securities America Advisors for eight years. In addition to his advisory role, he has been involved in selling life, long-term care insurance, and annuities since 1971. OSAIC serves a diverse client base including individual investors, institutions, and charitable organizations, offering integrated brokerage, investment advisory services, and access to third-party money managers through a network of affiliated financial advisers. The firm employs various asset-allocation and portfolio management tools and supports both discretionary and non-discretionary accounts.