Jocelyn Fante Yim is a financial advisor with Wells Fargo Clearing in Sacramento, CA, holding Series 63 and Series 65 licenses and 16 years of industry experience. She has been with Wells Fargo Clearing and its affiliated firm since 2016. Outside of her advisory role, she is co-owner of a dog breeding business, Sheldon Woods Premier Pups LLC. 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 in-house research and third-party analytics.

Thomas Goode is a financial advisor at Morgan Stanley with 13 years of industry experience. He has worked with Morgan Stanley and its Private Bank since 2012 and 2015, respectively. He holds the Series 66 designation. Outside of his advisory role, Goode serves as a board member of the Rotary Club of Arden Arcade Foundation in Sacramento. Morgan Stanley Wealth Management offers a range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by firm-approved tools and structured discovery conversations. The firm manages approximately $2.74 trillion in client assets and provides services that include institutional relationships, private funds, and structured product activities.

Julie Overton is a financial advisor at Morgan Stanley with 25 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009 and holds Series 63 and Series 65 credentials. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs and financial planning services, utilizing structured planning tools and modeling techniques to support client goals.

Aaron Holyoak is a financial advisor with Fidelity in Rocklin, CA, holding Series 63 and Series 66 designations and 21 years of industry experience. His work history includes roles at Fidelity Brokerage Services LLC since 2005 and Fidelity Personal and Workplace Advisors since 2018. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including Charitable Gift Funds and registered investment companies. The firm employs a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios.

Jonathan Graham is a financial advisor with Wells Fargo Clearing, holding the ChFC® designation and Series 63 and 66 licenses, with 22 years of industry experience. His prior firms include The Prudential Insurance Company of America, Pruco Securities LLC, Waddell & Reed, Inc, and Leumi Investment Services Inc. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets across more than 14,000 advisors, offering both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Scott Walton is a financial advisor with Wells Fargo Clearing in Sacramento, CA, holding Series 63 and Series 65 licenses and bringing 12 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC and Wells Fargo Bank NA. Outside of his advisory role, he serves as treasurer for Walk 4 Mental Health, assisting with fundraising activities. 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 solutions grounded in an IPS-driven process and modern portfolio theory. The firm includes insurance-related investment options and bank deposit sweep programs as part of its broader financial product offerings.

Danilo Caldeira is a Financial Solutions Advisor (FSA) with Merrill Lynch Wealth Management. In this role, he focuses on connecting clients to the people, plans, and processes that align with their unique financial ambitions. He works with clients to plan for their personal goals, including funding education, preparing for retirement and health care costs, and developing long-term family financial strategies. Danilo takes time to understand what is important to each client, providing guidance across general investing, retirement planning, and saving for unexpected events. His approach emphasizes simplicity and transparency to help clients navigate the complexities of wealth planning. He holds a Bachelor's degree from Excelsior College and maintains professional designations as a Chartered Retirement Planning Counselor (CRPC) and a Personal Investment Advisor (PIA).

Neil Richards is a financial advisor with Osaic, holding Series 63 and Series 65 licenses and 12 years of industry experience. He has previously worked at Lincoln Financial Advisors, Inc., Wells Fargo Clearing, Wells Fargo Advisors LLC, and Wells Fargo Bank NA. In addition to his advisory role, Richards serves as an insurance agent offering fixed insurance products, including fixed annuities and various types of health and life insurance. Osaic Wealth, Inc. serves a diverse client base, including individual, high-net-worth, institutional, and charitable clients, providing integrated brokerage and advisory services across multiple platforms. The firm employs asset-allocation tools, risk-tolerance assessments, and automated rebalancing to manage portfolios consisting of stocks, bonds, mutual funds, ETFs, and alternative investments.

Samuel Sherman is a financial advisor at Charles Schwab with 12 years of industry experience. He holds a Series 66 designation and has held positions at several major firms, including Merrill, TD Ameritrade, Bank of America, and Wells Fargo. Sherman is currently based in Roseville, CA. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of non-discretionary and discretionary investment management and financial planning services supported by a large integrated platform.

James Coffin III is a financial advisor with Morgan Stanley in Sacramento, CA, holding a Series 63 designation and 37 years of industry experience. He has been with Morgan Stanley since 2009 and has worked with Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory role, he serves as a successor trustee in Walnut Creek, California. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with 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 employs structured planning tools such as the Global Investment Committee’s Secular Return Estimates and Monte Carlo simulations as part of its financial planning process.

Nicolas Delyon is a financial advisor with LPL Financial in Rocklin, CA, holding Series 63 and Series 65 credentials and 16 years of industry experience. He previously worked at Wells Fargo Advisors for eight years before joining LPL in 2019. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations. The firm offers a range of advisory programs and consulting services, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Henrry Medrano is a Financial Advisor with Merrill Lynch Wealth Management, where he provides comprehensive wealth management services tailored to clients' individual needs. He works closely with clients to connect all aspects of their financial lives, helping prioritize and pursue goals through customized strategies that adapt to changing circumstances. Henrry and his team at TSPN Wealth Management Group offer guidance in areas such as retirement planning, business launching, and investment opportunities, leveraging access to banking and lending services through Bank of America. Henrry holds a Personal Investment Advisor (PIA) designation and earned his High School Diploma/GED from Houston Community College. He is actively involved in professional organizations including the Greater Houston Partnership, Greater Houston Women's Chamber of Commerce, Greater Northside Chamber of Commerce, and Women's Energy Network. His community involvement extends to participation in groups such as the Greater Northside Chamber of Commerce, Houston Livestock Show & Rodeo Corral Club, Interfaith Ministries, Rescue America, SWAT Ministries International, United Way, Wesley Community Center, and Women's Energy Network. Outside of his professional work, Henrry enjoys camping, cooking, running, traveling, watching movies, practicing yoga, and spending time with his family. His approach emphasizes building robust financial strategies that provide security and adaptability, guiding clients through life's uncertainties toward their financial aspirations.

James Radovich is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and bringing 11 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC and Wells Fargo Bank NA. 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 IPS-driven advisory process incorporates modern portfolio theory and includes a broader set of financial products, such as insurance-related vehicles and bank deposit sweep options, compared to many large institutional advisers.

Sean Lockwood is a financial advisor at J.P. Morgan Securities with nine years of industry experience. He holds Series 63 and Series 65 licenses and has worked at J.P. Morgan Securities and its affiliates since 2017, following prior roles at Sagepoint Financial and APFA. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, delivering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Glen Cheron is a financial advisor with Cetera and holds Series 63 and Series 65 credentials. He has 32 years of industry experience and has worked with Cetera and Financial Network Wealth Advisors LLC since 2013 and 2018, respectively. Outside of advisory roles, Cheron serves on the board of directors for Point West Rotary and participates in local homeowners association committees, including budget and long-range planning. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base that includes individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management, financial planning, and consulting services through a multi-manager platform that features discretionary and non-discretionary options, model portfolios, and access to third-party money managers.

Patrick Barr is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 17 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors from 2013 to 2016. Based in Sacramento, CA, his career has been focused within the Wells Fargo organization. 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, serving as an ERISA fiduciary and including a broader set of financial product offerings than typical for large institutional advisers.

Sterling Dalatri is a financial advisor with Morgan Stanley in Sacramento, CA, holding a Series 63 designation and 34 years of industry experience. He has been with Morgan Stanley and its affiliates since 2007, including roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and provides services through financial advisors and the Estate Planning Strategies Group.

Curtis Godt is a Senior Financial Advisor with Merrill Lynch Wealth Management, specializing in discretionary portfolio management for high net worth clients. He has been in the investment management business since January 1989, beginning his career with Merrill Lynch Wealth Management in Palo Alto. Curtis focuses on personal retirement planning, portfolio management services, and retirement income strategies. A fifth generation Californian born in Berkeley and raised in Sacramento, Curtis graduated with a Bachelor's degree from the University of California, Berkeley in December 1986. He holds the Personal Investment Advisor (PIA) designation and is actively involved in professional and community organizations including Union-Tehama Lodge No. 3, The Scottish Rite of Freemasonry in Sacramento, and Ben Ali Shrine. Curtis lives in Elk Grove with his wife and son. Outside of his professional work, he enjoys golfing, reading, and spending time with his family. He also participates in community activities such as the John F. Kennedy Class of 1982 40 Year Reunion and various Masonic entities to which he belongs.

Johnathan Mirabelli is a financial advisor with Equitable Advisors, holding a Series 66 designation and 10 years of industry experience. Before joining Equitable Advisors in 2016, he worked at AXA-Advisors, LLC for four years and was involved in the restaurant and skateboarding industries. He is also a travel advisor with Goldrush Getaways. Equitable Advisors serves a diverse client base including individuals, high-net-worth, retirement plans, corporate, charitable, and institutional clients, providing financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates as both an SEC-registered investment adviser and broker-dealer, using LPL-sponsored programs and endorsed third-party managers in its advisory and brokerage solutions.

Bradley Frisk is a financial advisor with Raymond James Financial Services Advisors, Inc. in Lincoln, CA, holding Series 63 and Series 66 licenses and bringing 12 years of industry experience. His prior roles include positions at Wells Fargo Clearing and J.P. Morgan Securities. He is also CEO of Frisk Capital Management LLC and Cypress Creek Capital Group, where he provides broad wealth management services. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, and institutional entities. The firm emphasizes non-discretionary financial planning and investment consulting, leveraging asset-allocation analysis and firm research to develop tailored plans.