Christopher Freehill is a financial advisor with LPL Financial in Folsom, CA, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. He has worked with LPL Financial since 2010. Outside of his advisory role, he operates a motocross racing team through a business he owns called Moto ID. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, featuring discretionary and non-discretionary management supported by in-house and third-party research.

Andrew Dunnigan is a financial advisor with Morgan Stanley in Folsom, CA, holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. He has been with Morgan Stanley Private Bank, N.A. since 2015 and with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools supported by the Global Investment Committee’s return estimates and modeling techniques.

Joshua Myer is a CFP® professional with 10 years of industry experience. He has been with Edward Jones since 2015. 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 under management through a network of over 23,700 financial advisors, offering a range of advisory strategies, affiliated mutual funds, and additional financial services.

Ioana Rives is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. She holds the Series 63 and Series 66 designations and has been with J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2016. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

Michael Bandy is a financial advisor at Edward Jones with a Series 66 license and one year of industry experience. His prior work includes roles at Liberty Tax Service, Steadfast Accounting Solutions, ServiceNow, Oracle Corp, and Hewlett Packard Enterprise. Outside of his advisory role, he owns and manages a rental property in Roseville, California. 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 network of financial advisors and branch offices nationwide.

Joel Ducore is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. He holds the ChFC® designation along with Series 63 and Series 66 licenses. Prior to his current role, he has worked in various capacities within JPMorgan Chase Bank and J.P. Morgan Securities since 2012. Outside of his financial advisory work, Joel is a freelance trumpet player contracted for church and orchestral services. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Ross Levine is a financial advisor with LPL Financial in Sacramento, CA, holding the ChFC® and Series 66 credentials and bringing 25 years of industry experience. He has been with LPL Financial since 2009. Outside of his advisory role, he plays music in a band and releases records on a small scale. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting services, providing both discretionary and non-discretionary management supported by research and model portfolios.

Kelly Shultz is a financial advisor at Edward Jones with seven years of industry experience. She holds a Series 66 designation and has been with Edward Jones since 2018. Prior to joining Edward Jones, her work background includes roles at Dolphin Destiny Adventures, Procana Holdings LLC, Telestream, and Brightcove. Edward Jones is a full-service wealth management firm serving both individual and institutional clients, including high-net-worth households and charitable organizations. The firm manages approximately $1.01 trillion in assets and offers a range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds.

Nicholas Ogden is a financial advisor with Charles Schwab, holding a Series 66 designation and seven years of industry experience. His prior roles include positions at Edward Jones and Charles Schwab Bank SSB. Charles Schwab & Co., Inc. serves 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 advisory relationships and access to discretionary separately managed accounts, supported by a centralized, integrated operational structure.

Christine Kovalek is a financial advisor at Wells Fargo Advisors with 19 years of industry experience. She holds the Series 66 designation and has worked within various branches of Wells Fargo since 2013. Outside of her advisory role, she serves as a co-trustee for a family trust. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser providing investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services tailored to clients who meet certain net-worth thresholds, supported by Wells Fargo's research and planning tools.

Valerie Cisneros is a Series 66 licensed financial advisor with 15 years of industry experience, currently affiliated with LPL Financial since 2020. Her prior roles include positions at Morgan Stanley Wealth Management, UBS Financial Services, and Securian Financial Services. She is also involved with Central Coast Designs LLC, a business outside the financial industry. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, corporations, banks, credit unions, and charitable organizations nationwide. The firm offers a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management alongside research-supported model portfolios.

Lorraine Carden is a financial advisor at OSAIC with 26 years of industry experience. She holds Series 63 and Series 65 credentials and previously spent 25 years with Lincoln Financial Advisors. In addition to her advisory role, she is also licensed as an insurance agent, offering various insurance products including disability, health, and life insurance. OSAIC serves a wide range of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms. The firm provides integrated brokerage and investment advisory services, utilizing asset-allocation tools and automated rebalancing to manage diversified portfolios across different investment vehicles.

Nathan Leung is a financial advisor with Cambridge Investment Research Advisors in Sacramento, CA, holding a Series 66 designation and three years of industry experience. His prior work includes roles at Cambridge Investment Research Inc. and Dick's Sporting Goods. Outside of advising, he is involved in tax services and insurance/benefits as a W2 employee and agent. Cambridge Investment Research Advisors is a large SEC-registered firm serving a wide range of clients, including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, retirement plan advisory, and financial-wellness services through a network of independent professionals, providing both discretionary and non-discretionary investment solutions across multiple platforms and strategies.

Mark Payne is a financial advisor at Morgan Stanley with nine years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2017. Outside of his advisory role, he is an author of a publishing venture titled *Micro-Premie Macro-Love*. 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 customized financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools such as Monte Carlo simulations and secular return estimates as part of its financial planning process.

Shiya Solodoff is a financial advisor with LPL Financial in Fair Oaks, CA, holding a Series 66 designation and one year of industry experience. Her prior work experience includes roles at New York Life and Buck Wealth Management. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, retirement plan consulting, and brokerage services with both discretionary and non-discretionary management options.

Tracy Kliewer is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and bringing 26 years of industry experience. Prior to joining LPL Financial in 2018, Kliewer worked for Nationwide Securities, LLC for seven years. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a variety of advisory programs and financial planning services, utilizing model portfolios, research, and technologies such as machine learning.

Nicholas Cunningham is a financial advisor at Merrill with a Series 66 credential and less than one year of industry experience. His prior work includes roles at Bank of America, CBRE, and CunninghamLegal, as well as experience as a touring musician. He serves as a board member for the Active 20/30 Club of Sacramento and is involved in music production and live performance activities. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services primarily to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers both model-based and discretionary investment strategies across a range of client types, including individuals, high-net-worth clients, and nonprofit organizations.

Jacob Birch is a financial advisor at Equitable Advisors with one year of industry experience. He holds a Series 66 designation and has prior work experience that includes roles in education and retail. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients. The firm provides financial planning, retirement plan consulting, and asset management through various advisory programs and third-party managers.

Jason Vesely is a financial advisor at LPL Financial in Rancho Cordova, CA, holding a Series 66 credential with two years of industry experience. His prior roles include positions at Spectrum Wealth Advisory Group, LLC and Discovery Hills Church. He is also involved in an online sales business called JVSupply. 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 financial planning, advisory programs, retirement plan consulting, brokerage services, and access to various investment models and research resources.

Corbin Weatherby is a financial advisor with OSAIC, holding Series 63 and Series 66 credentials and 10 years of industry experience. His prior roles include positions at Woodbury Financial Services, Questar Asset Management, Questar Capital Corporation, and J.P. Morgan Securities. He serves as Chapter President and instructor for the American Financial Education Alliance, a nonprofit organization focused on financial education, and is a volunteer representative for a local church congregation. OSAIC Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations, providing brokerage and advisory services through a large network of affiliated advisors and multiple platforms. The firm utilizes asset-allocation tools, risk assessments, and automated rebalancing to construct portfolios, offering discretionary and non-discretionary account management along with access to third-party managers and wrap programs.