Janos Miszti is a financial advisor at OSAIC with eight years of industry experience. He holds a Series 66 designation and has worked at Royal Alliance Associates since 2018, following a year at Sii. Outside of his advisory work, he operates a small photography business specializing in senior portraits, events, and weddings, and volunteers as a STEM teacher at a local school. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisors and multiple advisory platforms. The firm employs a range of investment tools and third-party services to construct diversified portfolios tailored to clients’ needs.

Jeffrey Impey is a CFP® with 20 years of industry experience, currently serving as a financial advisor at Ameriprise since 2024. His prior experience includes 15 years at LPL Financial and Safe Credit Union, as well as roles at Chase Investment Services and Morgan Stanley. Ameriprise Financial Services is a large, diversified advisory firm that serves both individual and institutional clients, offering a specialized Premier Retirement Income service with written Recommendation Reports and ongoing retirement planning advice focused on income sources and tax-aware withdrawal strategies.

Michael Rodegerdts is a financial advisor at Ameriprise with 24 years of industry experience and holds the Series 66 designation. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Outside of advisory work, Rodegerdts serves on the board of directors for Yolo Farm to Fork and is involved in several non-investment-related business entities. Ameriprise Financial Services is a large diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning services that focus on dependable income sources and tax-aware withdrawal strategies.

Jazette La Barbera is a financial advisor with Merrill in Roseville, CA, holding a Series 66 credential and 13 years of industry experience. She has worked at Merrill since 2016 and is currently associated with Bank of America as well. Outside of her advisory role, she operates a sole proprietorship focused on affiliate marketing for consumer products and services. 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 investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Walter Gallo Jr. is a financial advisor with Merrill in Roseville, CA, holding Series 63 and Series 65 designations and 13 years of industry experience. He has worked at Merrill and Bank of America since 2016 and previously was with Wells Fargo Advisors from 2012 to 2016. Walter is also involved as an owner and co-trustee of revocable living trusts. 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, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Rodney Spradlin is a financial advisor at Cetera with 31 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Cetera and its affiliated entities since 2013. In addition to his advisory role, he operates American River Wealth Management as a DBA for his investment practice and serves as a representative involved in annuities. Cetera Investment Advisers LLC is an SEC-registered adviser that supports a broad client base including individuals, employer-sponsored retirement plans, corporate, charitable, and institutional accounts. The firm offers a variety of portfolio management and advisory services through a multi-manager platform with access to both affiliated and unaffiliated third-party managers.

Hunter Brown is a financial advisor with Merrill, holding a Series 66 designation and based in Roseville, CA. He has been with Merrill and Bank of America since 2025. Outside of finance, he has experience working in hospitality and various other industries, including roles at Bacchus House Wine Bar & Bistro and Beast and Bounty. 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, offering model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth investors, and organizations.

Robert Molnar is a financial advisor at Wells Fargo Clearing with 16 years of industry experience. He holds a Series 66 designation and has previously worked at LPL Financial, Bank of the West, and BancWest Investment Services. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and includes both discretionary and non-discretionary options, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Desiderio Rodriguez is a Senior Financial Advisor at Merrill Lynch Wealth Management. He holds the designation of Personal Investment Advisor (PIA) and brings a focused approach to guiding clients through complex financial decisions. Desiderio works closely with executives, entrepreneurs, and families to support them at significant life milestones and assist them in achieving financial freedom. He earned his High School Diploma from Woodside High School.

Kevin Blaine is a financial advisor with Charles Schwab, holding Series 63 and Series 66 licenses and seven years of industry experience. His career includes roles at Charles Schwab & Co., Inc., Charles Schwab Banks SSB, and J.P. Morgan Securities, LLC. Prior to his advisory work, he held various positions outside finance including at Graves Roofing, Jimmy Johns, and Pizza Hut. Charles Schwab & Co., Inc. serves a large client base primarily composed of 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 blend of non-discretionary and discretionary investment management options supported by centralized operations and comprehensive advisory solutions.

Barbara Fain is a financial advisor at UBS Financial Services with 17 years of industry experience. She holds the Series 66 designation and has worked at UBS in various capacities since 2015. Additionally, she has been involved in Randy Fain Pool Construction since 2006. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, employing proprietary capital market assumptions and model-based asset allocations to tailor plans to clients' goals and risk tolerances. The firm combines institutional trading capabilities with wealth management services and offers a broad set of capital markets and research resources.

Thomas Biggs is a financial advisor with LPL Financial in Roseville, CA, holding Series 63 and Series 65 registrations and bringing 41 years of industry experience. Prior to joining LPL Financial in 2025, he worked at Western International Securities, Inc. for 12 years and GBS Financial Corp. for 9 years. He is also involved with Biggs Investment Management, an advisory and insurance-related business. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering a range of advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides financial planning, wrap and model portfolio programs, third-party asset management access, and institutional platforms while supporting advisors with research tools and operational resources.

Frank Geremia III is a CFP® with 30 years of industry experience, currently serving at Wells Fargo Clearing since 2016. Prior to this, he worked at Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, he holds a 20% ownership in Geremia Companies, LLC, a non-investment-related business based in Sacramento, CA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a broader investment menu that includes insurance-related vehicles and bank deposit sweep options.

Raquel Austin is a Series 66 licensed financial advisor with 22 years of industry experience. She currently works at Cambridge Investment Research Advisors, where she has been since 2026. Her prior experience includes roles at Bank of America, Merrill, and Morgan Stanley. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, 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 Financial Professionals.

Christopher Green is a financial advisor with LPL Financial in Roseville, CA, holding Series 63 and Series 65 licenses and 17 years of industry experience. He worked at Cetera Advisors LLC from 2014 to 2018 before joining LPL Financial, where he has been since 2018. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a broad range of financial planning, asset management, and institutional platforms through a large network of investment adviser representatives.

Christopher Hurst is a CFP® with 30 years of industry experience, currently serving as a financial advisor at Stifel since 2010. He holds Series 63 and Series 65 licenses. Stifel serves a wide range of clients, including individuals, institutional investors, and charitable organizations, offering both brokerage and investment advisory services. The firm’s investment approach relies on proprietary methodologies developed by its Investment Strategy Group to provide capital market analysis and asset allocation guidance.

Alan Williamson is a financial advisor with Equitable Advisors in Roseville, CA, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. He has worked with Equitable Advisors and its predecessor entities since 2006, and prior to that was with Osaic FA, Inc. from 1999 to 2006. Outside of his advisory role, he serves as an ecclesiastical leader with The Church of Jesus Christ of Latter-day Saints. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, institutions, and organizations. The firm’s approach includes matching clients to program models or discretionary managers, utilizing a range of investment vehicles and ERISA fiduciary services through credentialed representatives.

Loi Yu is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and 28 years of industry experience. Prior to joining LPL Financial in 2021, he worked for Allianz Life Financial Services LLC and Allianz Life Insurance Company of North America from 2013 to 2021. He is involved with Snyder Wealth Management Group, Inc. and U-Core Capital LLC in connection with his LPL business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides a range of advisory and brokerage services, including financial planning and access to third-party asset managers, with a focus on combining scale and diverse financial offerings alongside its advisory platform.

Raymond Ginsberg is a financial advisor with LPL Financial, holding a Series 66 designation and 26 years of industry experience. His career includes roles at Wells Fargo Clearing, Citigroup Global Markets, Citicorp Investment Services, and Equitable Advisors prior to joining LPL Financial in 2009. He also has experience with San Diego County Credit Union since 2017. 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 services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by a large network of advisors and various operational tools.

Jerry Newman is a financial advisor with Edward Jones in Granite Bay, CA, holding Series 63 and Series 66 credentials and 28 years of industry experience. He has been with Edward Jones since 1997. Outside of his advisory role, he has no recorded responsibilities in other business activities. 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 nationwide network of more than 23,700 financial advisors and 15,000 branches.