Andrea Silva is a financial advisor at LPL Financial with 17 years of industry experience. She has held her current role since 2013 and previously operated Colverfield Photography for eight years. Silva holds Series 63 and Series 65 licenses. 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 a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Colin Simpson is a financial advisor with Ameriprise in Roseville, CA, holding Series 63 and Series 65 credentials and 14 years of industry experience. He previously worked at Wells Fargo Clearing, Wells Fargo Advisors, LLC, and Wells Fargo Bank, NA, accumulating over a decade of experience across these firms. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement with significant investable assets, providing tailored recommendation reports that incorporate tax-smart withdrawal strategies, Social Security options, and income source analysis. The firm employs a centralized consulting team and combines research, modeling, and algorithmic tools to deliver customized retirement income plans.

Nicholas Alafranji is a financial advisor at J.P. Morgan Securities with 16 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities and Jpmorgan Chase Bank, N.A. since 2009, with additional experience managing two private businesses. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a team of Wealth Advisors. The firm combines institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

Patricia Estopinal is a financial advisor with Robert Baird & Co. in Roseville, CA, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. She has been with Robert Baird & Co. since 2012. Outside of her advisory role, she serves as Treasurer for the Girl Scouts Heart of Central California. She is part of The DDK Group within Robert W. Baird & Co.’s Private Wealth Management practice, which advises individuals, families, pension plans, corporations, and institutional clients. The group offers tailored financial planning and portfolio management services that utilize both in-house and third-party managers across a range of investment strategies.

Hunter Lowry is a CFP®-designated financial advisor with eight years of industry experience, currently with Cetera in Roseville, CA. His prior experience includes roles at LPL Financial, NEXT Financial Group, and Waddell & Reed. Outside of his advisory work, he participates in team roping activities. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a multi-manager platform with a range of portfolio management options, including model portfolios, third-party managers, and bespoke strategies, managing over $256 billion in assets.

Brandon Bollengier is a financial advisor at Fidelity with one year of industry experience. He holds a Series 66 designation and previously worked at Intel Corporation. Outside of his advisory role, Brandon provides dog sitting services. Fidelity, through its Strategic Advisers LLC affiliate, offers investment management and advisory services to a diverse client base, utilizing a blend of proprietary research, quantitative analysis, and algorithmic portfolio construction across mutual funds, ETFs, and ETPs.

Matthew Haughton is a financial advisor at Merrill with seven years of industry experience. He holds Series 63 and Series 66 licenses and has previous experience at Bank of America, Wells Fargo Clearing Services, and Wells Fargo Bank. 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. The firm offers model-based and discretionary strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Colleen Langs is a financial advisor with Morgan Stanley in Roseville, CA, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. She has worked at Morgan Stanley Private Bank, National Association since 2015 and with Morgan Stanley Smith Barney since 2012. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a broad range of advisory programs and tailored financial planning services supported by structured planning tools and firm-approved methodologies.

Kathryn Christensen is a financial advisor with OSAIC in Roseville, CA, holding Series 63 and Series 65 licenses and 17 years of industry experience. She previously worked at Securities America Advisors and Securities America Inc from 2016 to 2024. Christensen also holds a California insurance license for health, accident, and annuities, although she does not currently sell insurance. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and investment advisory services, financial planning, and access to third-party money managers and wrap programs. The firm employs various asset-allocation tools and supports both discretionary and non-discretionary portfolio management across multiple investment types.

Steven Lease is a financial advisor with Morgan Stanley in Roseville, CA, holding a Series 66 designation and possessing 16 years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2010, including Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a variety of advisory programs to both individual and institutional clients. The firm’s financial planning emphasizes structured discovery and utilizes proprietary tools and modeling techniques, serving approximately $2.74 trillion in client assets.

Juan Lara Turner is a financial professional with one year of industry experience, currently affiliated with Osaic Wealth, Inc. He holds a Series 66 designation and has previously worked at Retirement Security Centers and The Cheesecake Factory. In addition to his advisory role, he supports senior planners and assists with client meetings and administrative tasks at Retirement Security Centers. Osaic Wealth, Inc. serves a diverse range of retail and institutional clients through a large network of financial advisers. The firm offers integrated brokerage and advisory services, financial planning, retirement consulting, and access to various managed account platforms.

Douglas Behl is a financial advisor with LPL Financial based in Roseville, CA. He holds a Series 63 designation and has 42 years of industry experience. Prior to joining LPL Financial in 2005, he worked at Brecek & Young Advisors, Inc. from 2002 to 2005. Behl is also involved in tax planning and preparation through his business, Behl Financial. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory services, including financial planning, model portfolio programs, and institutional platforms, supported by advanced research tools and a broad network of over 22,800 advisors.

Christian Baldree is a financial advisor at OSAIC with 16 years of industry experience. He holds a Series 66 designation and has worked previously at Woodbury Financial Services and Questar Asset Management. Outside of his advisory role, Baldree serves as President of the Pacific Gold Aviation Association and sits on the board of trustees for the Roseville Theater Arts Academy, a nonprofit community theater organization. OSAIC serves a diverse client base, including retail and institutional investors, offering integrated brokerage and advisory services along with access to third-party money managers and unified managed accounts. The firm utilizes asset-allocation tools and automated rebalancing to construct portfolios across multiple asset classes on both discretionary and non-discretionary bases.

Joyce Blonskij is a financial advisor with Cambridge Investment Research Advisors, holding a Series 63 designation and having 40 years of industry experience. She has been with Cambridge Investment Research Advisors since 2005 and with Cambridge Investment Research, Inc. since 2003. Outside of her advisory role, she is an author of the book "Own the Clouds" and works as a health coach with Optavia. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension plans, charitable organizations, and retirement-plan sponsors, offering financial planning, investment management, and retirement advisory services through a network of independent Financial Professionals. The firm provides multiple investment implementation options, including proprietary and third-party strategies, tailored to client objectives.

Wornel Simpson is a financial advisor with OSAIC in Sacramento, CA, holding Series 63 and Series 65 designations and bringing 42 years of industry experience. His career includes 14 years at FSC Securities Corporation and over three decades managing his own practice. Outside of his advisory work, he owns a consulting business focused on professional athletes and entertainers, and he serves as president and coach for a nonprofit AAU basketball team. OSAIC serves a diverse client base including individual and institutional investors, offering brokerage and advisory services through a broad network of advisers and multiple platforms. The firm employs asset-allocation tools and risk assessments to build portfolios across various asset classes and supports both discretionary and non-discretionary account management.

Steven McCartney is a Financial Consultant currently working at Fidelity since 2021. He has a professional background in financial advisory roles spanning several decades, including positions at Prudential from 2014 to 2021 and Merrill Lynch from 1994 to 1999. Steven's approach to financial planning focuses on addressing clients' needs both presently and in the future, supporting them in managing their finances toward their lifelong goals. His career reflects a commitment to client-focused financial advising, leveraging a broad range of investment options and tools to facilitate understanding and execution of financial plans. Steven holds a California Insurance License, which supports his professional capabilities in the financial services industry.

Connor Schlecht is a financial advisor at Ameriprise with seven years of industry experience. He holds the Series 66 designation and previously worked at DeBoer Financial Group, Commonwealth Financial Network, Curamus Management, and Kaiser Permanente. He is also employed as an associate financial advisor at FHL Operations LLC. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement planning, dependable income sources, and tax-aware withdrawal strategies.

Dennis Sanchez is a financial advisor at Edward Jones with four years of industry experience. He holds a Series 66 designation and has worked at Edward Jones since 2022. Prior to this, he held positions at Partners Mortgage, Blue Water Credit, Valpak, and Thryv. 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 services, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, supported by a large network of financial advisors and branch offices nationwide.

Mark Bergdorf is a financial advisor with Charles Schwab, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He has worked at Charles Schwab since 1996 and Charles Schwab Bank since 2005, both based in Sacramento, CA. 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 combines non-discretionary advisory relationships with access to affiliated discretionary portfolios and provides integrated brokerage, custody, and advisory services.

Bryan Brown is an Investment Consultant who takes a personalized approach to financial planning. He focuses on understanding and prioritizing what is most important to each client, aiming to provide clear, professional insight that helps them make informed decisions. Bryan has extensive experience as a Senior Internal Advisor Consultant at Franklin Templeton, where he worked from 2011 to 2024. He offers tailored guidance using a wide range of resources to help clients create financial plans that pursue peace of mind and success. He holds a California Insurance License.