Christopher Sinclair is a Senior Financial Advisor with over 10 years of experience, providing personalized wealth management services within Merrill Lynch Wealth Management. He works closely with successful entrepreneurs, corporate executives, and affluent families, many in the technology and life sciences sectors, focusing on preserving and growing their wealth. Since beginning his career, Christopher has emphasized understanding the unique priorities of his clients to develop customized strategies that address wealth management goals, retirement planning, trust and estate planning through Bank of America Private Bank, corporate retirement plans, and strategic asset allocation. He combines personalized attention with the resources of a global financial services firm. Christopher holds a Bachelor's Degree from the University of California system and professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). In his personal time, he enjoys traveling, skiing, and spending time with his family.

Angelica Morgan is a financial advisor at Morgan Stanley with a Series 66 designation and two years of industry experience. Prior to joining Morgan Stanley in 2022, she worked at Kaiser Permanente and Autism Learning Partners. Morgan Stanley Wealth Management serves both individual and institutional clients by providing a range of advisory programs, including tailored financial planning supported by structured discovery conversations and firm‑approved tools. The firm manages approximately $2.74 trillion in client assets and offers services through both direct and corporate financial planning agreements.

Joshua Summerhays is a financial advisor with LPL Financial based in Roseville, CA. He holds the CFP® and Series 66 licenses and has 19 years of industry experience. He has worked at both Golden One Credit Union and LPL Financial since 2008. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a wide range of clients including individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers various advisory programs, financial planning, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by extensive research and technology.

Thomas Cleary is a financial advisor with Merrill in Sacramento, CA, holding Series 65 and Series 66 licenses and 18 years of industry experience. He has been with Merrill since 2011. Outside of his advisory role, he serves as a successor trustee for a family trust. 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, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Gregory Henderson Jr. is a Series 66-licensed financial advisor with Cambridge Investment Research Advisors in Sacramento, CA, where he has worked since 2008. He has 25 years of industry experience. Outside of his advisory role, he serves as a board member for the Carmichael SDA Church and works as an assistant golf coach. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base that includes individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent professionals, utilizing multiple platform arrangements and proprietary and third-party model strategies.

Michael Tonis is a financial advisor with OSAIC in Sacramento, CA, holding a Series 66 designation and three years of industry experience. His prior experience includes roles at Retirement Security Centers (Lincoln Financial), Boras Corporation, and Molina Healthcare. Tonis is also a vice president and partner at Simas Tonis Wealth Advisors, LLC, which focuses on retirement, investment, and life planning. OSAIC serves a wide range of clients, including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations, offering integrated brokerage, advisory, and financial planning services through a large network of affiliated advisers and multiple platforms.

Dianne Lynch is a financial advisor with Ameriprise in Auburn, CA, holding CFP® and ChFC® designations, along with Series 63 and Series 65 licenses. She has 44 years of industry experience, including nine years with Bank of America and Merrill. Lynch has been with Ameriprise since 2023. Ameriprise offers a retirement-income planning service targeting individuals approaching or in retirement with substantial investable assets, delivering written Recommendation Reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to create tailored, non-discretionary advice through a centralized consulting team.

Adam Barnhill is a financial advisor at Osaic with five years of industry experience. His background includes roles at Lincoln Financial Group and California State University, Sacramento. He is a Series 66 license holder. Barnhill is also involved in retirement security through his role with Retirement Security Centers, where he offers and services fixed insurance products. Osaic Wealth, Inc. serves a wide range of clients including individual investors, pension plans, and charitable organizations through a large network of affiliated advisors. The firm provides integrated brokerage and advisory services and utilizes multiple investment platforms and asset-allocation tools to manage diversified portfolios.

Robert Suter is a financial advisor at Raymond James Financial with 47 years of industry experience. He holds Series 63 and Series 65 designations and has been with Raymond James since 1999. Outside of his advisory role, he serves as treasurer for a family-owned nonprofit related to a vacation property in Michigan. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individual, high-net-worth, corporate, and institutional clients. The firm offers tailored, non-discretionary planning and supports municipal and public finance advisory work through a unique affiliation with a municipal advisor.

Victor Dillard is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. His career includes roles at Metlife Securities Inc and Metropolitan Life Insurance Company since 1999, as well as Massachusetts Mutual Life Insurance Company since 2016. He has been with Mass Mutual Investors Services since 2017. 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 provides financial planning, asset management, and educational seminars, utilizing firm-approved software for goal analysis and offering event-driven planning programs such as divorce and estate settlement planning.

Frederick Ferrara is a CFA® charterholder with 18 years of industry experience, currently serving as a financial advisor at Edelman Financial Engines. He has been with the firm since 2016 and previously worked at Tmfs Advisors, LLC. Edelman Financial Engines provides technology-enabled investment advisory services primarily for workplace retirement accounts, IRAs, taxable accounts, and institutional clients. The firm manages model-based and customized portfolios, offers sub-advisory services, and supports a large client base through both advisor-led and online platforms.

Jay Johnson is a Wealth Management Advisor with Merrill Lynch Wealth Management, leading a fee-based, consultative financial advisory business. He serves affluent individuals and families, corporations, and not-for-profit organizations, with expertise spanning Wealth Management and Corporate Retirement Benefits. Jay focuses on creating comprehensive strategies tailored to clients' needs, addressing investment challenges such as maximizing retirement plan contributions and managing the rising costs of retirement. Jay began his career with Merrill in 1994 and brings over thirteen years of experience in financial advisory services. Before joining Merrill, he worked as a tax accountant specializing in individual and corporate tax planning at Deloitte & Touche. He holds several professional designations, including Certified Investment Management Analyst (CIMA), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Jay earned a Bachelor of Arts degree in Economics/Business from the University of California, Los Angeles. In addition to his professional work, Jay has been involved in community service, having served on the Board of Directors at Powerhouse Ministries in Folsom, California. His personal interests include basketball, football, yoga, and spending time with his family.

Jonathan Noel is a financial advisor with Wells Fargo Clearing in Sacramento, CA, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a broader range of financial products, such as insurance-related vehicles and bank deposit sweep options, than is typical among large institutional advisers.

Hector Rodarte is a Financial Consultant at Fidelity Investments, where he engages with individuals and families to assist them in achieving their personal and financial goals. His approach centers on comprehensive planning to understand clients’ values and help them progress towards their desired outcomes. Hector utilizes Fidelity's resources and investment strategies to support his client-focused services. His professional experience spans multiple roles within Fidelity Investments, including Investment Consultant, Planning Consultant, Relationship Manager, and Financial Representative from 2021 to the present. Prior to joining Fidelity, he worked as a Financial Planning Services Associate at Northwestern Mutual from 2020 to 2021. Hector holds a California Insurance License. Outside of his professional work, Hector's interests include family activities, fishing, fitness, outdoor adventures, soccer, and traveling.

Justin Qvistgaard is a financial advisor with UBS Financial Services in Sacramento, CA, holding a Series 66 designation and three years of industry experience. He previously worked at Cambridge Investment Research Advisors, HI Financial, and other firms. His background also includes roles outside finance, such as positions at Boise State University and Davis Senior 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. The firm uses proprietary research and model-based asset allocations to tailor plans aligned with clients’ goals and risk tolerances.

Jacob Bless is a financial advisor with Wells Fargo Clearing in Reno, NV, holding Series 63 and Series 66 licenses and 12 years of industry experience. His prior roles include positions at U.S. Bancorp Investments and U.S. Bank. He has been with Wells Fargo Clearing since 2019 and Wells Fargo Bank since 2018. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s process is IPS-driven and incorporates a range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Soraya Rodriguez is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and bringing 21 years of industry experience. She has worked at Wells Fargo Bank NA since 2001 and has been with Wells Fargo Clearing since 2016, following five years at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Joseph Walters is a CFP® professional with 24 years of experience in the financial industry. He is affiliated with Raymond James Financial and has worked at Legacy Wealth Management since 2017. Walters previously held roles at Wells Fargo Clearing and Wells Fargo Advisors, LLC. In addition to his advisory work, he is a minority owner and occasional consultant for a business called Next Legacy. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary advisory services supported by analytical modeling and also maintains a municipal advisor affiliation that supports its public finance work.

Bernardete Nunes is a financial advisor at Ameriprise with 28 years of industry experience. She holds Series 63 and Series 65 licenses and previously worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney from 2009 to 2023. Ameriprise offers retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficient strategies to generate personalized recommendation reports. The firm delivers these services through a centralized consulting team and provides a broad range of advisory, brokerage, and insurance solutions typical of a large institutional firm.

Donna Goode is a Series 66-licensed financial advisor with Morgan Stanley in Sacramento, CA, where she has worked since 2009. She has 18 years of industry experience. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm provides a range of advisory programs, including tailored financial planning supported by firm-approved tools and modeling techniques.