Kristin Knight is a Financial Consultant at Fidelity Investments, a position she has held since 2024. Prior to this role, she worked as an Investment Consultant at Fidelity Investments from 2022 to 2024 and as a Financial Representative at the same company from 2021 to 2022. Before joining Fidelity Investments, Kristin was a Field Manager at Appreciation Financial from 2019 to 2021. In her work, Kristin collaborates with clients to develop personalized wealth plans aimed at achieving financial success. She focuses on building relationships that align personal and business values, fostering partnerships based on trust, advisement, and forward progress. Kristin holds a California Insurance License. Outside of her professional responsibilities, Kristin's personal interests include family activities, golf, hiking, parenthood, reading, and traveling.

Norma Casanova is a financial advisor with Wells Fargo Advisors based in Sacramento, CA. She holds Series 63 and Series 66 licenses and has 26 years of industry experience. Prior to her current role starting in 2022, she worked at Wells Fargo Clearing and Wells Fargo Advisors LLC since 2009. Casanova also owns and operates Healthy Wealthy Life LLC, a financial practice unrelated to her trading activities. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of investment and financial planning services tailored to clients meeting a net-worth threshold, utilizing Wells Fargo research and planning tools to develop personalized recommendations.

Nicholas Fiorito is a financial advisor with LPL Financial based in Sacramento, CA, holding Series 63 and Series 65 licenses and 12 years of industry experience. His prior work includes roles at J.P. Morgan Securities, JPMorgan Chase Bank, U.S. Bank N.A., and HSBC Securities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a large network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, with access to model portfolios, research, and various management strategies.

Robert Moore II is a financial advisor with Merrill in Sacramento, CA, holding a Series 66 designation and nine years of industry experience. He has worked at Bank of America, Merrill, Golden 1 Credit Union, various insurance carriers, and Waddell & Reed, Inc. since 2016. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions Program. The firm offers a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Paul Lacoste is a financial advisor at Charles Schwab with 28 years of industry experience. He holds Series 63 and Series 66 licenses and has been associated with Charles Schwab since 1999. Outside of his advisory role, he manages a small residential rental business in Sacramento. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment guidance using multi-asset model portfolios and centralized custodial and brokerage services.

Anthony Lopipero is a financial advisor with UBS Financial Services in Sacramento, CA, holding a Series 66 designation and bringing five years of industry experience. He has been with UBS since 2020 and also works as a bartender at Vanessa's Bistro. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, providing services such as fee-based financial planning, portfolio management, and capital markets solutions. The firm combines institutional trading capabilities with wealth management services through a network of financial advisors using proprietary research and model-based asset allocations.

Adam Wilson is Vice President and Financial Consultant at Fidelity Investments, where he has been serving clients in the Sacramento area since 2006. In his role, he partners with clients to develop financial plans and investment strategies tailored to their goals. Over the years, Adam has built enduring relationships with many clients who value his knowledge of markets and experience with investment strategies. Adam's career at Fidelity Investments includes progressive roles such as Financial Consultant, Investment Consultant, Senior Investment Representative, Investments Representative, and Financial Representative. He holds a California Insurance License, supporting his ability to address a range of financial needs. Outside of his professional work, Adam enjoys boating, camping, playing musical instruments, scuba diving, swimming, and traveling.

James Limoncelli is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. He has worked with Wells Fargo Clearing since 2016 and previously with Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Yu Ye is a financial advisor at LPL Financial with six years of industry experience. Ye holds Series 63 and Series 66 credentials and has worked at several firms, including New York Life Insurance Company and Nylife Securities LLC. Outside of advisory roles, Ye is involved with Golden 1 Credit Union. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of financial planning and advisory programs, combining discretionary and non-discretionary management with research-supported model portfolios and various institutional services.

Michael Hardy is a financial advisor with UBS Financial Services in Sacramento, CA, holding Series 63 and Series 65 credentials and 30 years of industry experience. He has been with UBS since 2009. Outside of his advisory role, he serves on the board of the Gift of Love Foundation, a nonprofit focused on supporting local children’s hospitals and encouraging youth philanthropy. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and advisory offerings, combining institutional trading capabilities with wealth management services. The firm’s advisory approach utilizes proprietary research and model-based asset allocations tailored to clients’ goals and risk tolerances.

Ayorinde Akinwande is a financial advisor with Morgan Stanley in Sacramento, CA, holding Series 63 and Series 66 designations and six years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2018 and previously held roles at PFS Investments Inc, Bensource Employee Benefits, Primerica Financial Services, and Georgia State University. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and analytical models. The firm manages approximately $2.74 trillion in client assets and delivers services both directly and through corporate agreements.

Dawn Silva is a financial advisor at Edward Jones in Folsom, CA, holding CFP® and Series 66 credentials with 17 years of industry experience. She has been with Edward Jones throughout her career since 2009. 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 and offers a range of advisory programs and investment options, operating under a fiduciary standard.

Harrison Paschal is a financial advisor at Morgan Stanley in Sacramento, CA, holding the Series 66 designation with less than one year of industry experience. Prior to joining Morgan Stanley, he worked in various roles across sectors including education with Vacaville Unified School District and retail with Lululemon Athletica. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs and employs a structured financial planning process supported by firm-approved tools and model-based outcome simulations.

Abraham Serrano is a Series 66-registered financial advisor with LPL Financial, based in Sacramento, CA, and has three years of industry experience. He has prior employment history with Leatherby's Family Creamery and The Golden 1 Credit Union. Serrano currently works at both LPL Financial and Leatherby's Family Creamery in a non-investment capacity. 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, third-party subadvisors, and various technologies including machine learning.

Maurice Seitter is a financial advisor at Fidelity with 19 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Transamerica Investors Securities Corporation, Transamerica Life Insurance Company, and Loring Ward Financial Inc. His background also includes roles outside of finance, such as at Whole Foods Market. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm employs a combination of fundamental research and quantitative analysis in constructing model portfolios from mutual funds, ETFs, and ETPs, and it is noted for its use of algorithmic methods and formal advisory roles to various registered investment entities.

Cheri Yu is a financial advisor at Fidelity with 28 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Morgan Stanley and LPL Financial, among other firms. Fidelity, through its Strategic Advisers LLC division, provides investment management and advisory services to retail and institutional clients, employing a process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its roles as a commodity pool operator and advisor to multiple registered investment companies, as well as for its use of algorithmic methods and AI in research.

Colton Hamman is a CFP® and holds a Series 66 designation, currently affiliated with Charles Schwab. He has two years of industry experience, including roles at Charles Schwab Bank and Charles Schwab since 2023. Prior to his financial advisory career, he worked at Door Dash and held various positions related to education and sports in the Sacramento area. Charles Schwab & Co., Inc. serves a broad client base that primarily includes high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program. The firm offers both non-discretionary and discretionary investment management solutions, combining extensive scale with integrated custody, brokerage, and advisory services.

Christopher Castillo is a Senior Financial Advisor at Merrill Lynch Wealth Management. He returned to the financial services industry in 2017 following a 22-year career with the Federal Bureau of Investigation and serves clients from his office in Sacramento. Christopher works as part of a larger team focusing on retail and small business clients, providing services Monday through Friday with availability for Saturday appointments for busy professionals. He holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Certified Private Wealth Advisor (CPWA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Christopher specializes in addressing the unique financial needs of business owners, executives, and high net worth families. His expertise includes portfolio management, individual and corporate investment strategy, executive compensation, and retirement planning. He utilizes the resources of Merrill Lynch Wealth Management and Bank of America to assist clients in building wealth. Christopher earned a Bachelor's Degree in Mathematics from the University of California. He is a member of several professional organizations such as the Marine Corps League, Rotary Club of Fair Oaks, Society of Former Special Agents of the Federal Bureau of Investigation, and Veterans of Foreign Wars in Folsom, CA. His community involvement includes participation with the Best Friends Animal Society and Rotary Fair Oaks. Christopher speaks English and Spanish.

Kirk Camunez is a financial advisor with Edward Jones in Gold River, CA, holding a Series 66 designation and 23 years of industry experience. He has been with Edward Jones since 2004. 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 nationwide network of advisors and branch offices.

Joel Hemmings is a financial advisor at OSAIC with 32 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Securities America Advisors, Inc. and SECURITIES AMERICA, inc. from 2008 to 2024. Hemmings is also a principal at RIOS & ASSOCIATES, INC., where he spends part of his time managing securities and insurance activities. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisers. The firm offers integrated brokerage and advisory services, utilizing various tools and third-party platforms to construct portfolios across multiple asset classes, with both discretionary and non-discretionary management options.