Janet Cooper is a financial advisor at Mass Mutual Investors Services with 40 years of industry experience. She holds Series 63 and Series 65 credentials and has worked at several firms including LPL Enterprise LLC and Baystate Wealth Management. Cooper is also involved in investment-related activities outside of her advisory role. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser offering financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers, employing firm-approved software and collaborative planning methods.

Gina Clark is a financial advisor with Merrill in Roseville, CA, holding Series 63 and Series 65 designations and 14 years of industry experience. She has worked at Merrill since 2020 and previously spent six years at Hightower Securities, LLC. Merrill, along 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 investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Jessee Gardner is a financial advisor with Edward Jones in Lincoln, CA, holding a Series 66 designation and beginning his advisory career in 2026. Prior to joining Edward Jones, he worked in various roles at companies including Onspring, Emplifi, Emotive, Toast, Inc., and GolfNow. Edward Jones is a full-service wealth management firm serving over four million clients across individual and institutional categories. The firm manages approximately $1.01 trillion in assets and offers a range of advisory services, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, supported by a nationwide network of financial advisors and branch offices.

Ethan Guensler is a financial advisor with Equitable Advisors, holding a Series 66 designation. He began his career with the firm in 2026 and has prior experience working at Whispering Vine and various roles including at the University of Nevada Reno. Equitable Advisors serves a wide range of clients including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides financial planning, retirement plan consulting, and asset management services through a network of Investment Adviser Representatives, utilizing both proprietary and third-party investment programs.

Stephen Osborn is a Wealth Management Advisor at Merrill Lynch Wealth Management. He brings over 20 years of experience in the financial industry, specializing in family wealth management strategies, liquidity management, personal retirement planning, tax minimization, and retirement income. Stephen holds a Bachelor's Degree from Worcester State College and has earned several professional designations, including CERTIFIED FINANCIAL PLANNER® (CFP®), Chartered Retirement Planning Counselor™ (CRPC™), Chartered Financial Consultant® (ChFC®), Certified Private Wealth Advisor® (CPWA®), and Personal Investment Advisor (PIA). His team has been recognized on the Forbes Best-in-State Wealth Management Teams list from 2023 through 2026, highlighting his leadership and expertise. Outside of his professional work, Stephen is involved in the Pleasant Hill Baseball community. He enjoys hiking, reading, playing tennis, and spending time with his family.

Radu Prisakar is a financial advisor with Charles Schwab, holding a Series 66 designation and 17 years of industry experience. His prior experience includes roles at Wells Fargo Clearing and WELLS FARGO Advisors, LLC. He also serves in the U.S. Army Reserve as an NCO. 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 mix of non-discretionary and discretionary investment guidance, with a multi-asset, model portfolio approach and integrated custody and brokerage services.

Jodi Pieczynski is a financial advisor with UBS Financial Services in Roseville, CA, holding Series 63 and Series 65 designations and bringing 33 years of industry experience. She has been with UBS since 1993. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, operating as a broker-dealer, investment adviser, and futures commission merchant.

William Craig is a financial advisor with LPL Financial in Auburn, CA, holding Series 66 and Series 63 designations and bringing 24 years of industry experience. His career includes roles at Merrill, Bank of America, and CUNA Mutual Group. He is also involved in a long-term entrepreneurial venture, Boyz Nite Out, which he managed for 24 years. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, and corporations. The firm offers a range of advisory programs, financial planning, and retirement services supported by proprietary and third-party research, employing both discretionary and non-discretionary management strategies.

Douglas Van Order is a financial advisor with MassMutual Investors Services, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been with MML Investors Services LLC and MassMutual Life Insurance Company since 2013. Outside of his advisory role, he is president of Tier One Enterprise, Inc., a company focused on sales coaching and goal setting. MassMutual Investors Services operates as a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational programs, using firm-approved software tools to develop written recommendations within collaborative, annual client engagements.

Nicole Martinenko is a financial advisor with Wells Fargo Clearing in El Dorado Hills, CA, holding a Series 66 designation and 4 years of industry experience. She has been with Wells Fargo Clearing since 2010. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options in its investment menus.

Ryan Rainbolt is a Wealth Management Advisor and Managing Director at Merrill Lynch Wealth Management. He specializes in family wealth management strategies, legacy planning, and individual and corporate investment strategy. Ryan works with private clients to help provide financial wellness for today and future generations. He has been recognized in the Forbes Best-In-State Advisors list from 2018 through 2026. Ryan holds the Certified Private Wealth Advisor (CPWA) and Personal Investment Advisor (PIA) designations. He earned a Bachelor's degree in Business Administration with a focus on Finance from California State University, Chico. Ryan lives in Loomis, California, with his wife and two daughters. His personal interests include basketball, fishing, golfing, hiking, skiing, spending time with family, and traveling.

Michele Oldham is a financial advisor at Mass Mutual Investors Services with one year of industry experience. She holds the Series 63 and Series 66 designations and has previously worked at Nuvia, ClearChoice, and Pacific Dental Services. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm’s approach includes collaborative, goal-oriented financial planning using firm-approved software tools, with implementation of recommendations handled through separate brokerage or insurance arrangements.

Garrett Walker is a Series 65-licensed financial advisor with Fisher Investments, based in Granite Bay, CA, and has six years of industry experience. He has been with Fisher Investments since 2019, following three years at the University of Arizona. Fisher Investments serves a global client base of institutional and private investors, including pension plans, foundations, and high-net-worth individuals, providing discretionary portfolio management across equity, fixed-income, and blended mandates. The firm employs a centralized investment process combining quantitative and qualitative research and utilizes tax-aware strategies and defensive tactics to manage risk.

Kari Allen is a financial advisor at Edward Jones with a Series 66 designation and three years of industry experience. She has been affiliated with Edward Jones and Edward Jones Investments since 2009. Outside of finance, she has worked in a medical office performing therapy modalities and administrative duties. Edward Jones is a full-service wealth management firm serving a wide range of individual and institutional clients with over $1 trillion in assets under management. The firm offers discretionary and non-discretionary investment strategies, affiliated mutual funds, and operates under a fiduciary standard.

Anthony Owings is a CFP®-credentialed advisor with over 32 years of experience, currently affiliated with Raymond James Financial in Rocklin, CA. He previously worked at Legato Financial and Boomerang Business Solutions. Owings serves on the advisory board of Visit Truckee-Tahoe, contributing to sustainable tourism efforts in the region. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a wide range of clients, including individuals, high-net-worth clients, corporations, and institutional investors. The firm uses tailored, non-discretionary planning supported by advanced analytical tools and offers specialized advisory programs and consulting services.

Donna Harrison is a Series 66-licensed advisor with Merrill in Roseville, CA, with 21 years of industry experience. She has worked at Merrill since 1984, totaling 42 years with the firm. Merrill and its affiliate Managed Account Advisors LLC provide managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Jeffrey Auwinger is a CFP® professional with 24 years of experience in the financial services industry. He has worked at Morgan Stanley Private Bank and Morgan Stanley since 2018, following previous roles at Wells Fargo Advisors and Wells Fargo Clearing. He is based in Roseville, CA, and holds the Series 66 license. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutions, including tailored financial planning services that utilize structured discovery conversations and advanced modeling tools. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through Corporate Financial Planning agreements.

Trenton Schmitt is a financial advisor at Robert W. Baird & Co. with one year of industry experience. He holds the Series 66 designation and began his professional career at Baird in 2022. Prior to advising, Schmitt was involved with Rancho Robles Winery and completed his studies at Columbia University. He is part of The DDK Group within Baird’s Private Wealth Management department, which serves high net worth individuals, corporate clients, pensions, and charitable organizations with a range of financial planning and portfolio management services. The firm employs a variety of advisory strategies, including separately managed accounts and tax-management techniques, supported by in-house research and manager oversight.

Keali'i Forsberg is a Series 66-credentialed financial advisor with six years of industry experience, currently affiliated with Edward Jones since 2020. Prior to joining Edward Jones, Forsberg worked at Results Transformation Centers for nine years. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients across a broad range of households and organizations. The firm manages approximately $1.01 trillion in assets and provides various advisory strategies, including discretionary and non-discretionary solutions, with an extensive network of financial advisors and branch offices nationwide.

Derek Seo is a CFP® with 26 years of industry experience, currently serving as a financial advisor at Ameriprise since 2020. He previously worked at Ameriprise Financial Services, Inc. from 2005 to 2020. Outside of his advisory role, Seo owns and manages Duckhorn Properties, LLC, a property management business. Ameriprise offers retirement-income planning services tailored to individuals nearing or in retirement who meet specific asset thresholds, combining research, modeling, and tax-efficiency analysis to provide written recommendation reports. As a large institutional firm, Ameriprise delivers a broad range of advisory, brokerage, and insurance solutions through its affiliated entities.