Judy Ruiz is a financial advisor at Robert W. Baird & Co. in Roseville, CA, holding Series 63 and Series 65 licenses with 26 years of industry experience. She previously worked at Wells Fargo Advisors, LLC and Wells Fargo Clearing before joining Baird in 2020. 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 team offers customized financial planning and portfolio management services, utilizing both in-house and third-party managers across a range of traditional and non-traditional investment strategies.

Lee Stipp is a financial advisor with Mass Mutual Investors Services in Roseville, CA, holding a Series 66 designation and four years of industry experience. He has worked with Mass Mutual Investors Services since 2021 and MassMutual Life Insurance Company since 2020. Outside of his advisory role, he is the owner and operator of a retail laser-etched glassware business. Mass Mutual Investors Services 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 collaborative and software-supported approaches to develop written recommendations tailored to clients’ goals.

Joshua Myer is a CFP® professional with 10 years of industry experience. He has been with Edward Jones since 2015. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management through a network of over 23,700 financial advisors, offering a range of advisory strategies, affiliated mutual funds, and additional financial services.

Brendan Snyder is a financial advisor at LPL Enterprise with 15 years of industry experience and holds the Series 66 designation. His career includes roles at Prudential Insurance Company of America, Pruco Securities, LLC, BenefitFocus, and Axa Advisors, LLC. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers financial planning, consulting, model wealth portfolios, third-party asset management, and access to a range of brokerage and insurance products through an integrated platform.

Michael Bandy is a financial advisor at Edward Jones with a Series 66 license and one year of industry experience. His prior work includes roles at Liberty Tax Service, Steadfast Accounting Solutions, ServiceNow, Oracle Corp, and Hewlett Packard Enterprise. Outside of his advisory role, he owns and manages a rental property in Roseville, California. 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 strategies supported by a large network of financial advisors and branch offices nationwide.

Claudia Kane is a CFP®-certified financial advisor with 38 years of industry experience, currently affiliated with Raymond James Financial. Her career includes roles at Beacon Wealth Strategies and Cabi, and she has been involved with U.S. Rowing since 2019. She also works as an independent contractor financial advisor with Legato Financial. Raymond James Financial Services Advisors, Inc. provides comprehensive financial planning and investment consulting to individuals, high-net-worth clients, institutions, and nonprofits. The firm employs tailored, non-discretionary advisory services and supports its clients with advanced analytical tools and specialized programs, including municipal and public finance advisory services.

Valerie Cisneros is a Series 66 licensed financial advisor with 15 years of industry experience, currently affiliated with LPL Financial since 2020. Her prior roles include positions at Morgan Stanley Wealth Management, UBS Financial Services, and Securian Financial Services. She is also involved with Central Coast Designs LLC, a business outside the financial industry. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, corporations, banks, credit unions, and charitable organizations nationwide. The firm offers a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management alongside research-supported model portfolios.

Todd Schroeder is a CFA® charterholder with 27 years of experience in the financial industry. He is currently with Wells Fargo Clearing Services, LLC and has held prior roles at firms including Abbey Capital (US) LLC, Foreside Fund Services, LLC, and Alt Fund Distributors LLC. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Jonathan Lee is a financial advisor with Robert W. Baird & Co. in Grass Valley, CA, holding Series 63 and Series 65 credentials and having 38 years of industry experience. He has been with Robert W. Baird & Co. since 2009. Outside of his advisory role, he is involved in several real estate partnerships and supervises commercial property management. He 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 tailored financial planning and portfolio management services, utilizing a range of investment strategies and overlay services to meet diverse client goals and risk tolerances.

Sarah Miller is a financial advisor at Morgan Stanley in Roseville, CA, with seven years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley Smith Barney LLC since 2021, following positions at PRO Unlimited, Merrill Lynch, State Farm, and Verizon Wireless. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning, and manages approximately $2.74 trillion in client assets.

Rodney Rollins is a financial advisor with LPL Financial in Roseville, CA, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He previously worked at Next Financial Group Inc for 18 years before joining LPL Financial in 2025. Rollins also operates Rollins Wealth Enterprises, a business entity for tax and investment purposes. 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 brokerage services, utilizing model portfolios, research, and technology-driven investment approaches.

Tracy Kliewer is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and bringing 26 years of industry experience. Prior to joining LPL Financial in 2018, Kliewer worked for Nationwide Securities, LLC for seven years. 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 variety of advisory programs and financial planning services, utilizing model portfolios, research, and technologies such as machine learning.

Michael Schuler is a financial advisor with Equitable Advisors in Roseville, CA, holding a Series 66 designation and seven years of industry experience. Prior to joining Equitable Advisors, he worked at Axa Advisors and has experience in the hospitality industry with Pour House Restaurant, as well as involvement with Siskiyou Family YMCA and California State University. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and asset management programs through a network of Investment Adviser Representatives, utilizing both proprietary and third-party investment solutions.

Sarkis Anduze is a financial advisor with Ameriprise in Roseville, CA, holding a Series 66 designation and 22 years of industry experience. He has worked at Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Outside of his advisory role, he serves on a local board of directors and volunteers as a judge for elementary student essays on stocks. Ameriprise provides retirement-income planning services focused on clients approaching or in retirement with substantial investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver customized, non-discretionary recommendations, supported by a centralized consulting team.

David Hartman is a financial advisor with OSAIC, holding Series 63 and Series 66 designations and 29 years of industry experience. He has worked with OSAIC since 2024 and previously held roles at Shield Financial Solutions and Securities America for over two decades. Hartman has also been involved in insurance sales, including life, health, and disability insurance products. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage, investment advisory services, and access to third-party money managers. The firm employs various asset-allocation tools and supports discretionary and non-discretionary portfolio management across multiple investment types.

Shawn Plunkett is a financial advisor at Ameriprise with 15 years of industry experience and holds a Series 66 designation. His prior experience includes positions at Edward Jones, Transamerica Financial Advisors, World Financial Group, SolarCity, Principal Financial Services, Merrill, and Wells Fargo Clearing. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on written recommendation reports and ongoing retirement-income planning advice. The firm uses proprietary research, third-party data, and algorithmic tools to provide tax-aware withdrawal strategies and dependable income sources for clients approaching or in retirement.

Eric Forward is a Wealth Management Advisor in the Roseville, California office of Merrill Lynch Wealth Management. He has been with Merrill Lynch since 1999 and is associated with the Carter Forward Group. Eric provides planning-based financial advice aimed at helping successful clients feel prepared, educated, and confident in making strategic and tactical decisions that impact their current and future financial position. Eric's expertise spans legacy planning, liquidity management, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, small business strategies, socially responsible and values-based investing including ESG, tax minimization, and retirement income. He holds a Bachelor's degree in Management from Saint Mary's College of California and has earned the CERTIFIED FINANCIAL PLANNER® (CFP) designation, the Chartered Retirement Planning Counselor (CRPC) professional designation, and the Personal Investment Advisor (PIA) designation. Outside of his professional work, Eric is a founding charter member of the Stand Up 4 Financial Literacy campaign in the greater Sacramento area. He lives in Lincoln, California and enjoys playing guitar, listening to music, skiing in Tahoe, and spending time with his family.

Kate Calderon is a Wealth Management Planning Consultant at Fidelity Investments, where she collaborates with clients, Wealth Management Advisors, and specialist teams to design and implement personalized financial plans. Her focus is on growth, preservation, and wealth transfer across generations. She has been with Fidelity Investments since 2021. Prior to this, she held the position of Senior Vice President Lead Relationship Manager at Bank of the West from 2016 to 2021, and worked as a Senior Private Banker II at Wells Fargo from 2014 to 2016. Kate holds a California Insurance License. Additional details regarding her education and personal interests have not been provided.

Noah Zahnd is a financial advisor at Fidelity with seven years of industry experience. He holds Series 63 and Series 66 licenses. His prior experience includes roles at Robinhood Financial, The Vanguard Group, and Divvy Homes. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors, with a focus on discretionary portfolio management, fund advisory, and model portfolio delivery. The firm integrates fundamental research with quantitative analysis and algorithmic portfolio construction, and serves as an adviser to multiple registered investment companies.

Arutyun Shiboyan is a financial advisor with Raymond James Financial Services Advisors, Inc. in Roseville, CA, holding Series 63 and Series 65 designations and 13 years of industry experience. His prior work includes six years at Wells Fargo Clearing and several roles within Wells Fargo-affiliated entities. Outside of his advisory work, he owns a small business renting out personal vehicles through the Turo platform. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm uses fact-finding, risk profiling, and analytical tools to provide tailored non-discretionary planning and investment advice.