Richard Nelson is a CFP® professional with 17 years of industry experience, currently affiliated with Cetera. He has worked with Cetera Wealth Services, LLC since 2013 and operates Nelsons Landing, LLC. In addition to his advisory role, he is co-owner of a long-standing rice farming operation and serves as co-trustee of family trusts related to farm property. Cetera Investment Advisers LLC is a large SEC-registered firm serving individuals, retirement plans, corporations, charitable clients, and institutional accounts through a nationwide network of independent advisors. The firm offers a variety of portfolio management and financial planning services and operates a multi-manager platform with access to affiliated and third-party investment managers.

Carmen Jennett is a financial advisor with OSAIC, holding Series 63 and Series 65 licenses and bringing 15 years of industry experience. Her prior experience includes roles at Woodbury Financial Services, Mutual of Omaha, Mass Mutual, and MetLife Securities. Outside of her advisory work, she is a Certified Financial Coach using the You Need a Budget (YNAB) system to teach budgeting and money management classes and serves as director of a local business referral club. OSAIC Wealth, Inc. serves a diverse client base including individual, high-net-worth, institutional, and charitable investors through a large network of affiliated advisers. The firm offers integrated brokerage and advisory services with a focus on diversified portfolios constructed using proprietary asset-allocation tools, and supports various managed-account platforms and third-party solutions.

Kimberly Ogden is a CFP®-designated financial advisor with 20 years of industry experience, currently with Cetera. She has been affiliated with Cetera Wealth Services since 2013 and operates a financial planning business under the name Atherton Wealth Advisors. In addition to advisory services, she is also licensed to sell fixed life insurance products. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with various portfolio management options, combining discretionary and non-discretionary authorities, and has more than 10,000 advisors managing over $256 billion in assets.

Matthew Hamilton is a financial advisor at Charles Schwab with six years of industry experience. He holds the Series 66 designation and has held positions at TD Ameritrade, New York Life Insurance Company, Edward Jones, and Tesla Inc. among others. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment management with a multi-asset model portfolio approach and centralized custody and order-routing arrangements.

Michael Fredrick is a financial advisor with Ameriprise Financial Services in Roseville, CA, holding Series 63, 65, and 66 credentials and 20 years of industry experience. He worked at DWS Investments Distributors, Inc. for 12 years prior to joining Ameriprise in 2022. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning focused on dependable income sources and tax-aware withdrawal strategies.

Joshua Reider is a CFP® professional with 20 years of industry experience, currently affiliated with Cambridge Investment Research Advisors since 2019. He has prior experience with FSC Securities Corporation and American United Life. Outside of advisory work, he is registered as an independent insurance agent. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base that includes individuals, retirement plans, and charitable organizations. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals, employing a variety of portfolio management strategies and platform arrangements tailored to client objectives.

Joan Birdsell is a financial advisor at Ameriprise with 16 years of industry experience. She holds Series 63 and Series 66 licenses and has worked previously at BFC Planning, Inc. and Berthel Fisher & Company Financial Services, Inc. Ameriprise offers a retirement-income planning service targeting individuals with significant investable assets, providing detailed, non-discretionary recommendation reports that incorporate tax-efficient withdrawal strategies and Social Security claiming options. The firm combines research and modeling with automated and committee-reviewed processes to support its advisory services.

Ashlynn Mohan is a financial advisor with Equitable Advisors in Folsom, CA, holding Series 63 and Series 66 designations and possessing eight years of industry experience. Prior to joining Equitable Advisors, she worked at AXA Advisors LLC and held positions at Vitamin Shoppe and Mid-Hudson Athletic Center. Outside of her advisory role, she owns Mohan Enterprises LLC. Equitable Advisors serves a diverse client base including individual, high-net-worth, retirement plan, corporate, charitable, and institutional clients, offering a range of financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates a dual-registered model, emphasizing program sponsorships and third-party managers to deliver advisory and brokerage solutions.

Joseph Ostrander is a Series 66 licensed financial advisor at Edward Jones with three years of industry experience. Before joining Edward Jones in 2022, he worked for eight years at the Sacramento County Sheriff's Department. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients across various segments. The firm manages approximately $1.01 trillion in assets through a network of more than 23,700 advisors and offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds.

Robert Burton is a CFP® with 26 years of experience in the financial industry. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, Burton owns and operates a construction business and manages non-investment related properties in Roseville, CA. 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 approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options in its investment menus.

Patrick Magnani is a financial advisor with Edward Jones in Roseville, CA, holding a Series 66 designation and 15 years of industry experience. He has been with Edward Jones since 2011. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment strategies through a large nationwide network of advisors and branch offices.

Forrest Daly is a Series 66 licensed financial advisor with two years of industry experience. He is currently with Fidelity and has previously worked at Equitable Advisors, Robinhood Financial, and other firms. Outside of his advisory work, he operates a vending machine business in Roseville, California. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, including model portfolios incorporating mutual funds, ETFs, and ETPs.

Cortney Williams is a financial advisor with Equitable Advisors in Roseville, CA, holding a Series 66 designation and 24 years of industry experience. She has been with Equitable Advisors since 2002, including the firm's previous entity, AXA Advisors. Williams also serves as a successor trustee for multiple trusts. Equitable Advisors serves a broad mix of individual, high-net-worth, retirement plan, corporate, charitable, and institutional clients, offering financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates primarily through program sponsors and third-party managers, providing both advisory and brokerage solutions with a significant portion of assets managed on a non-discretionary basis.

Sam Overly is a Planning Consultant at Fidelity Investments. In this role, Sam works with clients to ensure they are maximizing the resources available at Fidelity by partnering with advisory teams and internal departments. He operates as an extension of the Financial Consultants for the local team, providing additional support through collaboration, service, and planning. Sam's professional experience includes serving as a Relationship Manager and Central Relationship Manager at Fidelity Investments from 2022 to 2025. Prior to that, he was a Team Financial Advisor at Merrill Lynch from 2018 to 2022. He holds a California Insurance License. Outside of work, Sam has interests in baseball, fitness, golf, music, outdoor adventures, and pets.

Christopher Rafanan is a financial advisor with Wells Fargo Advisors in Roseville, CA, holding the ChFC® designation and Series 63 and 65 licenses. He has 31 years of industry experience, including prior roles at LPL Financial, Patelco Credit Union, and CUNA Mutual Group. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by offering investment and fee-based financial planning services that cover a broad range of needs, from retirement and education planning to specialized areas like business-owner transition and special-needs analysis. The firm integrates advisory services with other financial products and referral channels through a network of over 4,000 advisors.

Dal Youn is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and possessing 29 years of industry experience. He has been with Wells Fargo Clearing since 2016, following seven 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 solutions. The firm’s advisory process is IPS-driven and based on modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Scott Andersen is a financial advisor at LPL Financial with 24 years of industry experience. He holds a Series 66 designation and previously worked at Wedbush Morgan Securities for 17 years. Outside of his advisory role, he is involved with Andersen's Creations as an artist and musician. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Kenneth Clyde is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He previously worked at Geneos Wealth Management, Inc. for 20 years and has managed Kenny Clyde Financial since 2010. 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 of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Jason Watson is a financial advisor with Edward Jones in Folsom, CA. He holds a Series 66 designation and has two years of industry experience, including roles at SMA America and Intel. Edward Jones is a full-service wealth management firm serving both individual and institutional clients with a broad range of investment advisory programs, supported by a nationwide network of over 23,000 financial advisors and managing approximately $1.01 trillion in assets under management.

Franz Vaiarello is a financial advisor with LPL Financial, holding the Series 66 designation and over 20 years of industry experience. He has been with LPL Financial since 2011. LPL Financial serves a wide range of clients including individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers diversified financial planning and advisory programs, utilizing model portfolios and research from various sources to support both discretionary and non-discretionary management.