Joshua Cowles is a financial advisor at Edward Jones with a Series 66 designation and one year of industry experience. Prior to joining Edward Jones in 2026, he worked at Bisco Industries for four years and has held positions at Sacramento State, Sierra College, and Del Oro High School. 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, including discretionary and non-discretionary wrap fee options, separately managed accounts, and affiliated mutual funds, supported by a large nationwide network of advisors and branches.

Mansoor Saqi is a financial advisor at Merrill with nine years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Wells Fargo Clearing Services LLC and Wells Fargo Bank NA. Saqi’s background also includes a brief tenure at Home Depot. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services and implements model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions. The firm offers various portfolio approaches developed by internal and third-party managers and supports a range of client types including pension plans, corporations, and charitable organizations.

Gregory Mabra is a financial advisor at Edward Jones in Roseville, CA, holding a Series 66 designation with one year of industry experience. His prior work history includes roles at First Command Brokerage Services Inc. and Patriot Group Global, as well as experience outside the financial services sector. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a range of discretionary and non-discretionary investment strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Jacquelyn Gallo is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 22 years of industry experience. She has worked at Wells Fargo Bank NA since 2003 and has been with Wells Fargo Clearing since 2016, following five years at Wells Fargo Advisors 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 a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute.

Glenn Kenes is a financial advisor with Ameriprise in Auburn, CA, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. He has been with Ameriprise and its affiliate since 2015. Kenes serves on the Board of Directors for the Boys and Girls Club of Placer County and is Secretary of the Gold Country Foundation. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement with significant investable assets, combining research and modeling with written recommendation reports. The firm offers a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Mike Oroszi is a Financial Consultant at Fidelity Investments, where he works with clients to help them pursue their financial goals. He has extensive experience in the financial services industry, having held various roles at T. Rowe Price from 2009 to 2023, including Vice President of Client Implementation and Client Operations, as well as Senior Manager and Supervisor positions in advisory and financial institution services. Mike holds a California Insurance License, supporting his work in financial consulting. Outside of his professional career, he and his family enjoy outdoor activities available in the Northern California area, including biking, camping, snowboarding, tennis, and traveling.

Kevin Cueva is a financial advisor at Morgan Stanley with 10 years of industry experience. He has held positions at Morgan Stanley Private Bank, J.P. Morgan Securities, and J.P. Morgan Chase. He holds Series 63 and Series 66 licenses and is based in Sacramento, CA. 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. The firm manages approximately $2.74 trillion in client assets and offers services that incorporate structured planning tools and various investment strategies.

Annette Holt is a financial advisor with Raymond James Financial Services Advisors, Inc. in Roseville, CA, holding a Series 66 designation and bringing 19 years of industry experience. She has worked with Tri Counties Bank since 2016, where she serves as Operations Supervisor and Branch Manager Delegate, assisting advisors and providing client services. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base, including individuals, institutions, and charitable organizations. The firm provides tailored, non-discretionary planning and encourages implementation through various advisory programs while supporting municipal and public finance work through a unique affiliated municipal advisor.

Joshua Rienks is a financial advisor at Edward Jones with 20 years of industry experience. He holds a Series 66 designation and previously worked at Franklin Distributors, LLC / Franklin Templeton Financial Services and Advisors Asset Management, Inc. Outside of his advisory work, Rienks is the owner and artist of JDR Artworks, a business focused on commissioned art and art shows. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and charitable organizations. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs and investment options through a nationwide network of financial advisors.

James Biasotti is a financial advisor with OSAIC in Roseville, CA, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. He has previously worked at Royal Alliance Associates, Inc. and Signator Investors, Inc. Biasotti operates The Sportsman's Financial Advisor, where he also teaches Social Security and Medicare planning classes at a local community college. Additionally, he serves as co-trustee on a family trust and is a volunteer manager and part owner of a local hunting club. OSAIC serves a diverse range of retail and institutional clients through a broad network of affiliated advisers, offering integrated brokerage, investment advisory services, and access to multiple third-party money managers. The firm employs asset-allocation tools and automated rebalancing to construct portfolios across a wide variety of asset classes.

Nichol Nadeau is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. She has been affiliated with Addison Avenue Investment Services and Raymond James since 2012 and provides backup notary services for First Tech Federal Credit Union. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to individuals, high-net-worth clients, institutions, and charitable organizations. The firm employs tailored, non-discretionary planning using analytical tools to model potential outcomes and supports a broad array of advisory programs and institutional consulting.

Darrell Cleland is a financial advisor with Ameriprise in Sacramento, CA, holding a Series 66 designation and 26 years of industry experience. He has been with Ameriprise and its affiliated entities since 2009. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement with significant investable assets, providing written Recommendation Reports on income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis through a centralized consulting team, delivering tailored, algorithm-supported advice primarily for clients with Ameriprise-managed accounts.

Margaret Lunsford is a financial advisor at Robert W. Baird & Co. with 22 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Robert W. Baird since 2021, following roles at Wells Fargo Clearing and Wells Fargo Advisors LLC. The DDK Group at Robert W. Baird & Co. serves individual, corporate, pension, and charitable clients through comprehensive wealth management services, including financial planning, portfolio management, and separately managed account programs. The firm uses a combination of manager-traded and model-traded strategies supported by internal research and technology, managing approximately $394 billion in regulatory assets.

David Hillesland is a CFP® professional with 31 years of industry experience, currently serving as a financial advisor at Charles Schwab in Roseville, CA. He has been with Charles Schwab and Charles Schwab Bank since 2009. 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 combination of non-discretionary and discretionary investment guidance, leveraging a multi-asset model portfolio approach and comprehensive due diligence on alternative investments.

Hyong Leung is a financial advisor with LPL Enterprise holding a Series 66 designation and four years of industry experience. His prior roles include positions at The Prudential Insurance Company of America, Pruco Securities LLC, and self-employment. Leung is currently based in Roseville, CA. LPL Enterprise provides investment advisory and brokerage services to a diverse client base including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm utilizes model-driven investment implementation and offers financial planning, access to third-party asset managers, and an affiliated insurance agency.

Pamela Rosse is a financial advisor with Cetera, holding the ChFC® designation along with Series 63 and Series 65 licenses, and has 31 years of industry experience. She has been with Cetera and its affiliated entities since 2016 and also serves as a client services manager at Gba Wealth Group. Outside of her advisory roles, she acts as co-trustee and holds durable power of attorney for financial management and personal care decisions for her mother. Cetera Investment Advisers LLC operates a multi-manager platform serving individual, retirement plan, corporate, charitable, and institutional clients nationwide. The firm provides a range of portfolio management, financial planning, and retirement services, with over 10,000 advisors and more than $256 billion in assets under management.

Craig Gorman Jr. is a Financial Advisor with Merrill Lynch Wealth Management. He transitioned to financial advising in 2019 after 15 years of experience building and running an IT business, where he provided end-to-end IT solutions to a variety of businesses across the west coast. His background involved analyzing and solving complex client problems and implementing custom solutions. Craig has also mentored and coached business owners and individuals in finance, life priorities, and business strategy. After selling his IT business, Craig acquired his FINRA Series 66 and Series 7 registrations and joined Merrill to focus on helping clients achieve success in their financial lives. He emphasizes a client-first approach by getting to know clients personally to understand their vision of success. Working with his team, he develops personalized financial plans that provide clients with the tools and support to navigate life changes and pursue their financial goals with confidence. Craig holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. His education includes a High School Diploma from White Pine High School and attendance at Western Nevada Community College, University of Nevada - Reno, and Simpson University without degree conferrals. Outside of his professional work, Craig enjoys baseball, basketball, camping, fishing, football, golfing, music, soccer, spending time with family, and traveling.

Michael Irwin is a financial advisor at Wells Fargo Clearing with 12 years of industry experience. He holds the Series 66 designation and has been with Wells Fargo Clearing since 2016, following four years at Wells Fargo Advisors, LLC. 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 process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in its investment menus.

Ashlyn Rollins Koons is a financial advisor with LPL Financial and holds the CFP® designation along with Series 63 and Series 65 licenses. She has six years of industry experience, including roles at NorCal Financial Group and academic positions at Kansas State University and California State University, Chico, where she serves as a lecturer. Koons also works as a tax preparer and instructor outside of her advisory role. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management services through a large network of advisors, utilizing both proprietary and third-party strategies and technology tools.

Brieanna Churchill is a financial advisor at Merrill with seven years of industry experience and a Series 66 designation. She has worked at Bank of America, N.A. and Merrill since 2017 and has prior experience outside the financial sector at Kremer Family Chiropractic. 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 plans, corporations, and charitable organizations.