William Carson is a financial advisor at OSAIC with 43 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Jhfn Signator Investors, Inc. for 36 years before joining Royal Alliance Associates, Inc. In addition to advisory work, he operates two sole proprietorships as an insurance agent, each involving limited activity in life insurance and annuity policies. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and nonprofits. The firm provides integrated brokerage and advisory services using asset-allocation tools, risk assessments, and access to third-party managers, operating multiple platforms with discretionary and non-discretionary portfolio options.

Joseph Bonacci is a CFA® charterholder with 15 years of industry experience. He is currently affiliated with Cetera and has previously worked at firms including LPL Financial, Northwestern Mutual, and Ameriprise. Bonacci operates Sierra Ridge Wealth Management, which is a DBA used for LPL business activities. Cetera Investment Advisers LLC is a nationally registered advisory firm serving a diverse client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services and features a multi-manager platform with various program options and affiliations.

Julie Hassna is a financial advisor at Stifel with 11 years of industry experience. She holds the CFP®, ChFC®, and Series 63 designations. Prior to joining Stifel in 2022, she worked at Northwestern Mutual in various roles from 2014 to 2022. Stifel serves a broad range of clients including individuals, institutional clients, and charitable organizations, offering both brokerage and investment advisory services. The firm’s investment approach is based on proprietary analysis and forward-looking capital market assumptions developed by its Investment Strategy Group.

Raymond Digiuseppe is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and one year of industry experience. Prior to joining Wells Fargo, he worked at Valic Financial Advisors, Agia, Systemcom US Inc, and Ameriprise. Outside of financial services, he is licensed as a construction contractor and serves as a qualifying individual for multiple construction-related companies. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute.

Julie Ridgeway is a financial advisor with Cetera, holding a Series 66 designation and 39 years of industry experience. She has been associated with Cetera and its affiliates since 2013 and operates independently as well as through Chester & Associates, a firm she has been involved with since 1985. Outside of her advisory work, she is a partner in Rolling Hills Ranch, LLC, where she oversees the breeding, showing, and sale of horses. Cetera Investment Advisers LLC serves a wide range of clients, including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through a multi-manager platform, combining affiliated and unaffiliated investment strategies with both discretionary and non-discretionary account management.

Kevin Mc Kemie is a financial advisor with Edward Jones in Auburn, CA, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. He has worked at Edward Jones since 2017 and previously held positions at Northern Lights Distributors, USAA Financial Planning Services, and Voya Investment Management. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, including discretionary and non-discretionary wrap fee options, separately managed accounts, and affiliated mutual funds, supported by a large national network of advisors and branch offices.

Aaron Fry is a financial advisor with Fidelity in Roseville, CA, holding CFP®, CFA®, and Series 66 credentials and having 16 years of industry experience. His prior work includes roles at Morgan Stanley and TD Ameritrade. Outside of his advisory work, he is a band member performing locally on weekends. Fidelity’s Strategic Advisers LLC, where he is affiliated, provides investment management and advisory services to a broad client base including retail and institutional investors. The firm’s approach combines fundamental research, quantitative analysis, and algorithmic portfolio construction to manage diversified model portfolios.

David Stone is a financial advisor with OSAIC who holds the CFP® and ChFC® designations and brings 33 years of industry experience. Prior to joining OSAIC in 2025, he worked for Lincoln Financial Advisors Corporation for over three decades. In addition to his advisory role, he is an author and founder of Sierra Consulting Group, a financial planning and business planning firm. OSAIC serves a diverse client base, including retail and institutional investors, and offers comprehensive brokerage and advisory services through a large network of advisors and multiple platforms. The firm employs asset-allocation tools, risk assessments, and automated rebalancing to manage portfolios that can include a variety of investments, supporting both discretionary and non-discretionary account management.

Ilja Tscherenkow is a financial advisor with Primerica Advisors in Roseville, CA, holding Series 63 and Series 65 licenses and 14 years of industry experience. He has worked with Primerica Financial Services since 2009 and is currently president of Team Limitless, an investment-related entity affiliated with Primerica. Outside of finance, he is involved in dog breeding with Power Brothers Amstaff. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and separately managed account options primarily to individual and high-net-worth clients. The firm uses third-party asset managers and BNY Mellon Advisors for portfolio implementation within a tiered wrap-fee structure.

Brandon Brooke is a financial advisor with Ameriprise in Auburn, CA, holding a Series 66 designation and 24 years of industry experience. He previously worked at MML Investors Services Inc and MassMutual for 16 years. Ameriprise provides retirement-income planning services targeting individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver non-discretionary, written recommendation reports, supported by a centralized consulting team and algorithmic tools.

Justin Pyle is a financial advisor with J.P. Morgan Securities in Roseville, CA, holding Series 63 and Series 66 licenses with seven years of industry experience. His prior roles include positions at NYLIFE Securities, LLC, New York Life Insurance Company, and JPMorgan Chase Bank, N.A. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework in its investment recommendations.

Sharon Scoville is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. She has been with Wells Fargo Clearing since 2016, following a year at Wells Fargo Advisors, LLC. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering a range of non-discretionary and discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes unique investment options such as insurance-related vehicles and bank deposit sweep programs.

Kaleigh Savage is a financial advisor with Robert Baird & Co. in Roseville, CA, holding a Series 66 designation and seven years of industry experience. She has been with Baird since 2019 and previously worked in various roles including insurance and healthcare. Outside of her advisory work, she is involved as a baker and personal consultant. 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 group provides tailored financial planning and portfolio management services, utilizing both in-house and third-party managers to implement a range of investment strategies.

Adam Persily is a financial advisor with Robert W. Baird & Co. in Roseville, CA, holding Series 63 and Series 65 credentials and bringing 34 years of industry experience. He has been with Robert W. Baird & Co. since 2009. Outside of his advisory role, he is an investor and passive member of Serrano Marketing LLC. Adam 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 customized consulting and portfolio services, including financial planning and discretionary management, employing a variety of investment strategies and manager oversight options.

Joseph Mcgann is a financial advisor at Stifel with 27 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Stifel Nicolaus & Co Inc., Hilltop Securities Inc., and M.L. Stern & Co., LLC. Mcgann is based in Roseville, CA. Stifel serves a broad range of clients, including individuals, institutional clients, charitable organizations, and municipal entities, offering both brokerage and investment advisory services. The firm’s investment approach is based on a proprietary methodology developed by its Investment Strategy Group, which uses forward-looking capital market assumptions and probabilistic modeling to support asset allocation and planning analyses.

Kenneth Aquino is a financial advisor with Edward Jones in Lincoln, CA, holding Series 63 and Series 66 credentials and bringing 24 years of industry experience. He worked at Franklin Templeton Investments for 12 years before joining Edward Jones in 2019. 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 solutions supported by a large network of financial advisors and branch offices.

Michael Blair is a CFP® and Series 66-registered advisor with Edward Jones in Granite Bay, CA, where he has worked since 2020. He has five years of industry experience and previously worked at the California Dental Association and Mann, Urrutia, Nelson, CPAs & Associates LLP. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, supported by a nationwide network of over 23,700 financial advisors and $1.01 trillion in assets under management.

Katherine Treffinger is a financial advisor at Merrill with 10 years of industry experience. She holds a Series 66 designation and has been with Merrill since 2015. 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 model-based and discretionary strategies for a range of clients including individuals, high-net-worth clients, and institutions.

Chris Tryforos is a financial advisor at Wells Fargo Advisors with 30 years of industry experience. He holds a Series 63 designation and has previously worked at Cetera and Cetera Advisor Networks LLC. Outside of his advisory role, he serves as a trustee for a special needs trust for his siblings. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutional clients, offering a broad range of planning options including retirement, education, and special-needs analysis. The firm uses proprietary research and tools to develop tailored recommendations, which clients can implement through advisory or brokerage programs.

Dallas Watson is a Financial Consultant currently working at Fidelity Investments since 2020. In this role, he assists clients in pursuing their lifetime financial goals through a structured three-step process that includes understanding each client's individual situation, creating a tailored financial plan, and reviewing strategies based on that plan. Prior to his current position, Dallas held roles as a Financial Solutions Advisor at Bank of America Merrill from 2016 to 2020, a Life Insurance agent at Family First Life in 2015, and a Financial Advisor at Edward Jones from 2014 to 2015. He holds insurance licenses in Arkansas and California. Outside of his professional career, Dallas has interests that include family activities, fishing, military service, motorcycles, outdoor adventures, and swimming.