Steve Cowles is a financial advisor at Edward Jones with 15 years of industry experience. He holds the Series 66 designation and has been with Edward Jones since 2010. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and corporate clients. The firm manages approximately $1.01 trillion in assets through a nationwide network of over 23,700 financial advisors, offering a range of advisory programs, tax-efficient services, and affiliated investment products.

Erik Carlson is a financial advisor with Equitable Advisors in Folsom, CA, holding a Series 66 designation and 26 years of industry experience. He has worked at Equitable Advisors and its predecessor, Axa Advisors, since 2000. Outside of his advisory role, he is involved in motivational speaking, training, and entertainment through his own business, CarlsonLive.com, and also buys and sells baseball cards on eBay. Equitable Advisors serves a diverse client base including individuals, pension plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and asset-management programs. The firm’s approach includes matching clients to advisory models or discretionary managers, often through third-party platforms, and offers a range of investment options from mutual funds to select alternative investments.

Violetta Terpeluk is a financial advisor with Ameriprise in Roseville, CA, holding a Series 66 designation and bringing 24 years of industry experience. She has been with Ameriprise and its related entities since 2005. Outside of her advisory role, she is the author of a consumer-education book titled *Financial FLOW: The Art of Fulfilling Life and Optimizing Wealth* and is involved in business advisory and consulting through Indigai Business Advisory. Ameriprise Financial Services is a large diversified firm serving individual and institutional clients, known for its Premier Retirement Income service that provides tailored retirement income planning supported by proprietary research and algorithmic tools.

Jay Kim is a financial advisor at Osaic Wealth Inc. with 22 years of industry experience. He holds a Series 66 designation and has previously worked at firms including Cambridge Investment Research Advisors, LPL Financial, and Charles Schwab. Outside of his advisory work, he owns and operates multiple businesses including Gateway Financial Advisors and Gateway Insurance Group. Osaic Wealth Inc. serves a diverse client base ranging from individual investors to institutional entities, offering integrated brokerage and advisory services. The firm employs a variety of portfolio construction tools and supports multiple platforms, including third-party managed account solutions.

John Landberg is a CFP®-designated financial advisor with Robert W. Baird & Co., where he has worked for 17 years. He has 36 years of industry experience. Outside of advising, he holds a 20% ownership interest in Penryn Park Partners, a land development business. 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. The firm offers a range of services including financial planning, portfolio management, and custody, utilizing a combination of manager-traded and model-traded strategies alongside tax management and direct indexing.

Deborah Brandao is a financial advisor at Wells Fargo Clearing with three years of industry experience. She holds the Series 66 designation and has worked at Wells Fargo Clearing since 2021. Prior to her current role, she was employed at Sac State PD and Contra Costa Sheriff's Department. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related investment options alongside traditional products.

Ron Dale is a CFP® with 34 years of experience in the financial industry. He is currently affiliated with OSAIC and has previously worked at Royal Alliance Associates, Inc. and Signator Investors, Inc. Beyond advising, he manages Dale Orchards, LLC, a family walnut farm, and serves as a board member for the Garden Highway Mutual Water Company, a local irrigation water district. OSAIC serves a diverse client base including individual investors, institutions, and charitable organizations, offering integrated brokerage, advisory services, and access to third-party money managers. The firm utilizes various asset-allocation tools and supports multiple advisory platforms and legacy accounts.

Sam Fakhoury is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and nine years of industry experience. His career includes multiple roles within J.P. Morgan Securities LLC and J.P. Morgan Chase Bank since 2016, as well as a prior position at US Bank. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. As a subsidiary of J.P. Morgan, the firm integrates advisory services with brokerage, distribution, and investment management capabilities.

Cesar Lopez is a financial advisor at OSAIC with 33 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Woodbury Financial Services and Questar Asset Management. Outside of advising, he serves as president of NLA Insurance Services, a company selling life, medical, fixed annuities, long-term care, and disability insurance products, and is a partner in a financial advisor back-office platform and a business property management LLC. OSAIC Wealth, Inc. serves a broad range of retail and institutional clients through a large network of affiliated advisors, offering brokerage and advisory services, financial planning, retirement consulting, and access to multiple managed account solutions. The firm employs various asset allocation tools and supports both discretionary and non-discretionary portfolio management across diverse investment products.

Daniel Perez is a Planning Consultant at Fidelity Investments, where he works with individuals and families to develop comprehensive financial plans, focusing on retirement planning and long-term financial goals. He helps clients understand their current financial situation, identify their objectives, and create personalized strategies aimed at achieving those goals. Daniel is dedicated to building lasting client relationships and supporting informed financial decisions throughout every stage of the financial journey. Daniel has been with Fidelity Investments since 2022, progressing from Financial Representative to Relationship Manager before his current role as Planning Consultant. Prior to joining Fidelity, he worked as an Operations Specialist at Newport Group from 2018 to 2022. He holds a California Insurance License. Outside of his professional work, Daniel has interests in camping, fitness, food, golf, and snowboarding.

Edward Auel is a financial advisor at Fidelity with one year of industry experience. He holds a Series 66 designation and has prior experience managing financial reviews and participating in major decisions as a director at Butte Broadcasting Company, a radio station. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a process that combines fundamental research with quantitative analysis and algorithmic portfolio construction across a broad investable universe.

Alexis Zenahlik is a financial advisor with Robert W. Baird & Co., holding a Series 66 designation and two years of industry experience. Prior to joining Baird in 2022, Alexis held positions at JPMorgan Chase and the Nevada County Association of Realtors. Alexis is part of The DDK Group, a team within Baird’s Private Wealth Management practice that serves individuals, families, pensions, corporations, and institutional clients. The group offers tailored financial planning and portfolio management services, utilizing a range of investment strategies and overlay services to meet client goals and risk tolerances.

Sarah Swearinger is a financial advisor at Fidelity with Series 63 and Series 65 credentials and 19 years of industry experience. Her prior roles include positions at CUSO Financial Services LP and Patelco Credit Union. She currently works in Newcastle, CA. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including an IRS-qualified Charitable Gift Fund and registered investment companies. The firm employs a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios and serves as a commodity pool operator with a formal advisory role to multiple registered investment companies.

Robert Taylor Jr. is a financial advisor with Cetera who holds a Series 63 designation and has 32 years of industry experience. He has worked with Cetera Wealth Services, LLC since 1996 and has been associated with Cetera and Financial Network Wealth Advisors LLC since 2023 and 2024, respectively. Outside his advisory role, he is involved in local community activities including coaching and managing safety for the Land Park Pacific Little League. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers discretionary and non-discretionary portfolio management, financial planning, and access to a variety of investment platforms including third-party managers and model portfolios.

Dana Lanzaro is a financial advisor with Ameriprise in Roseville, CA, holding a Series 63 designation and 31 years of industry experience. Prior to joining Ameriprise in 2025, Dana worked at Safe Credit Union and LPL Financial, LLC for 18 years. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides tailored retirement income planning advice through written Recommendation Reports and ongoing annual reviews.

Sarah Chavez is a financial advisor at Thrivent Investment Management with eight years of industry experience. She previously worked at LPL Financial and operated the Sarah Greenway Insurance Agency. She holds Series 63 and Series 66 credentials. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, focusing on holistic, goal-based financial planning without discretionary trading authority. The firm offers a consolidated billing option called “WealthPlan” that combines planning and managed-account programs while maintaining them as separate services.

Aubrey Currington is a Wealth Management Advisor at Merrill Lynch Wealth Management, specializing in assisting business owners align their business and personal finances. She is a Certified Exit Planning Advisor (CEPA) professional, equipped to help clients navigate various life stages including business growth, retirement planning, and business transitions. With a foundation built on early financial lessons, Aubrey focuses on personalized financial strategies tailored to clients' long-term goals. Her expertise encompasses corporate benefits, employee benefits planning, family wealth management strategies, personal retirement planning, small business strategies, and retirement income. She holds a Bachelor's Degree from California State University Sacramento and maintains several professional designations including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Beyond her professional role, Aubrey is engaged in community activities through organizations such as 100 Black Men of Sacramento, FBI Citizens Academy Alumni, and the US Attorney's Office Hate Crime Task Force. She is also a member of the California Association for Nurse Practitioners. Her personal interests include cooking, football, soccer, and traveling.

Cassandra Heald is a financial advisor at RBC Capital Markets with a Series 66 designation and three years of industry experience. Prior to joining RBC Capital Markets in 2021, she worked at Audacy, Inc. and CBS Radio for a combined ten years. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutional clients, and charitable organizations. The firm offers a range of advisory programs with customizable portfolio management and planning services, utilizing both in-house and third-party investment managers.

Lindsay Key is a financial advisor at Morgan Stanley with 20 years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2019, following six years at E*Trade Capital Management LLC and E*Trade Securities LLC. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs including tailored financial planning. The firm’s process uses structured discovery and approved planning tools, supporting clients with comprehensive financial strategies without providing individual security recommendations in standalone planning.

Matthew Crowley is a financial advisor at Raymond James Financial with 27 years of industry experience. He holds the Series 65 and Series 66 designations and previously worked at Wells Fargo Advisors and Wells Fargo Clearing Services. He is also an associate at First Northern Advisors in Rancho Cordova, CA. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored non-discretionary planning and consulting using analytical tools and supports municipal and public-finance work through a unique affiliation with a municipal advisor.