Jay Johnson is a Wealth Management Advisor at Merrill Lynch, where he leads a fee-based, consultative financial advisory business serving affluent individuals and families, corporations, and not-for-profit organizations. He represents two professional disciplines: Wealth Management and Corporate Retirement Benefits. Jay began his career with Merrill in 1994 and has since developed comprehensive strategies that address the unique investment challenges his clients face. His expertise includes corporate benefits, divorce transition planning, executive compensation, family wealth management strategies, institutional and corporate benefit services, investment consulting for defined contribution plans, liquidity management, personal retirement planning, portfolio management services, and individual and corporate investment strategy. Jay has earned several professional designations, including Certified Investment Management Analyst (CIMA), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Prior to Merrill, he worked as a tax accountant at Deloitte & Touché and holds a Bachelor of Arts degree in Economics/Business from the University of California, Los Angeles. Jay has also been involved in community service, having served on the Board of Directors of Powerhouse Ministries in Folsom, California. In his personal time, he enjoys 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 credentials and bringing 26 years of industry experience. He has previously worked at A. G. Edwards & Sons, Inc. and Charles Schwab. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by research and analytics from Wells Fargo Investment Institute and third-party sources.

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 at Wells Fargo Clearing with 21 years of industry experience. She holds a Series 66 designation and has worked at Wells Fargo Bank NA since 2001, joining Wells Fargo Clearing in 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by Wells Fargo Investment Institute research and third-party analytics.

Joseph Walters is a CFP® professional with 25 years of industry experience, currently affiliated with Raymond James Financial. His career includes roles at Morgan Stanley and Wells Fargo Clearing prior to his current position, and he has been involved with Legacy Wealth Management since 2017. Walters is also a partner and occasional consultant for Next Legacy, a business outside the investment sector. Raymond James Financial Services Advisors, Inc. offers financial planning and advisory services to a diverse client base, including individuals, institutions, and charitable organizations. The firm provides non-discretionary consulting tailored to client goals, utilizing advanced analytical tools and supports municipal and public-finance advisory services through a unique affiliation with a municipal advisor.

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.

James Monroe is a financial advisor with Wells Fargo Clearing in El Dorado Hills, CA. He holds Series 63 and Series 65 credentials and has 43 years of industry experience. Monroe has worked at Wells Fargo Clearing since 2016 and previously spent a decade with Wells Fargo Investments, LLC. Wells Fargo Advisors serves individual, corporate, and institutional clients nationwide, providing investment advisory services, financial planning, and retirement plan consulting. The firm uses research and analytics from Wells Fargo Investment Institute and third parties, offering both brokerage and advisory solutions across a wide range of financial products.

Jason McClellan is an Investment Consultant currently working at Fidelity Investments since 2024. In his role, he collaborates with clients to develop financial plans tailored to their specific needs, aiming to help them achieve their most important goals. Jason has accumulated experience in the financial industry through various positions at Franklin Templeton Investments from 2018 to 2024, including roles as Internal Advisor Consultant, Internal Sales Representative, Senior Client Representative, and Client Representative. He holds a California Insurance License.

Clay Evans is a financial advisor at Stifel with 28 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Stifel Nicolaus & Co Inc since 2009. His prior experience includes positions at Wells Fargo Investments, A. G. Edwards & Sons, and Charles Schwab. Stifel serves a diverse client base, including individuals, institutional investors, and nonprofit entities, offering both brokerage and advisory services. The firm’s investment approach incorporates a proprietary methodology developed by its Investment Strategy Group, which emphasizes forward-looking capital market assumptions and probabilistic modeling.

Carolyn Mowlds is a financial advisor at Morgan Stanley with 47 years of industry experience. She holds a Series 63 designation and has been with Morgan Stanley since 2009, including her current role at Morgan Stanley Private Bank, N.A. since 2015. 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 with a focus on tailored financial planning supported by structured discovery conversations and firm-approved planning tools.

Russell Towne is a financial advisor with LPL Financial in Roseville, CA, holding a Series 63 designation and 39 years of industry experience. He has worked at LPL Financial since 2011 and previously held roles at Morgan Stanley and Wells Fargo Clearing. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers financial planning, model portfolios, third-party asset management, and institutional platforms, with advice delivered primarily by investment adviser representatives using a variety of strategies and advisor-facing tools.

Jon Champney is a financial advisor at J.P. Morgan Securities with six years of industry experience. He holds Series 63 and Series 66 licenses and has worked at several firms, including Edward Jones, Bank of America/Merrill Lynch, Wells Fargo, and Brizzi Financial. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm emphasizes quantitative asset-allocation modeling, centralized due diligence, and applies an ESG eligibility framework when recommending investment strategies.

Andrew Scarry is a financial advisor with Wells Fargo Clearing in El Dorado Hills, CA, holding Series 63 and Series 66 licenses and 12 years of industry experience. He has been with Wells Fargo Clearing since 2016 and has worked at Wells Fargo Bank NA since 1999. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions, utilizing research and analytics to support investment decisions.

Julia Toone is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and nine years of industry experience. Her prior roles include positions at Wells Fargo Clearing, JP Morgan Securities LLC, and JPMorgan Chase Bank. She is also involved with Safe Credit Union in North Highlands, CA, where she serves as a notary. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, utilizing model portfolios, third-party subadvisors, and customized strategies across various asset classes, supported by advanced operational tools.

George Salidas is a financial advisor at Morgan Stanley with 25 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley and its affiliated entities since 2008. His roles have included positions at Morgan Stanley Private Bank, National Association, and Morgan Stanley Smith Barney. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools and models.

Megan Clauzel is a financial advisor at J.P. Morgan Securities with seven years of industry experience. She holds Series 63 and Series 65 licenses and has worked previously at Northwestern Mutual and Troon Golf. Clauzel is employed by both J.P. Morgan Securities and JPMorgan Bank, enabling her to offer a range of bank products and services alongside her advisory role. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using quantitative asset-allocation modeling and a centralized due diligence process. The firm offers non-discretionary advice with a focus on ESG eligibility and access to a broad array of products through its unique registrations and affiliations.

Christopher Mc Leod is a financial advisor with LPL Financial in Sacramento, CA, holding a Series 66 designation and totaling eight years of industry experience. His prior experience includes roles at Mariner Independent Advisor Network, LLC, The Financial Services Network, and State Street Corporation. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of investment services including financial planning, model portfolios, third-party asset management, and institutional platforms.