Mycole Millsap is a financial advisor at Wells Fargo Clearing with eight years of industry experience. He holds the Series 63, Series 65, and Series 66 licenses. Prior to his current role, he worked at JP Morgan Chase Bank and JP Morgan Securities, accumulating several years of experience in financial services. 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 and third-party sources.

Lauren Helder is a financial advisor at Fidelity with three years of industry experience. She holds a Series 66 designation and has previously worked in various roles at California State University, Chico, Butte College, Enloe Medical Center, Plumas District Hospital, and Rite Aid Pharmacy. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction for its model portfolios. The firm is noted for its registration as a commodity pool operator, advisory roles to multiple registered investment companies, and use of AI-driven research methods.

Jeremias Deo Villagran is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and bringing six years of industry experience. His prior roles include positions at Franklin/Templeton Distributors, Inc. and The Home Depot. Outside of finance, he is the owner of DV Construction, LLC, a construction business focused on roofing job referrals. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a non-discretionary program. As a subsidiary of J.P. Morgan, the firm combines institutional advisory operations with brokerage, distribution, and investment management capabilities.

Jeffrey Daft is a financial advisor with Robert W. Baird & Co. in Roseville, CA, holding a Series 63 designation and bringing 49 years of industry experience. He has been with Robert W. Baird since 2009. Outside of his advisory role, he is a partner in Daft Partners, jointly managing a cabin at Lake Tahoe with his brother. He is part of the DDK Group within Robert W. Baird’s Private Wealth Management practice, which serves individuals, families, pension plans, corporations, and institutional clients. The group offers tailored financial planning and portfolio management services, including both discretionary and non-discretionary strategies, utilizing a combination of in-house and third-party managers.

Scott Motley is a Senior Financial Advisor with Merrill Lynch Wealth Management. Based in Northern California, he serves clients throughout the United States, focusing on planning and wealth management tailored to client priorities. He aims to deliver transparent communication and simplify complex financial topics while maintaining a disciplined and thoughtful approach to value investing. Scott has over 20 years of experience in financial advisory services, assisting professionals, educators, healthcare professionals, retirees, women, and families with special needs. His areas of focus include college education planning, divorce transition planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, philanthropic planning, women and wealth, tax minimization, and retirement income. He holds a Bachelor's Degree in Finance with an emphasis in Investments and Financial Services from the University of Nevada, Las Vegas. Scott has earned the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. Additionally, he is an Eagle Scout recognized by the Boy Scouts of America.

Francois Marcus is a financial advisor at OSAIC with 23 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Woodbury Financial Services and Questar Asset Management. Outside of his advisory roles, he is involved in resale activities through online sales. OSAIC serves a diverse client base including individual and institutional investors, offering integrated brokerage and advisory services through a large network of affiliated advisors. The firm employs a variety of portfolio construction tools and supports both discretionary and non-discretionary account management.

Jeffrey White is a financial advisor with Fidelity in Granite Bay, CA, holding Series 63 and Series 66 licenses and bringing 21 years of industry experience. His prior work includes roles at Valic Financial Advisors, Allstate Insurance Company, Princor Financial Services Corporation, and Principal Life Insurance Company. He is affiliated with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm employs a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios, including funds of funds and model portfolios delivered to intermediary platforms.

James Arnold is a Planning Consultant specializing in retirement planning. He emphasizes a client-focused approach, prioritizing listening to understand clients' goals and concerns to provide educational and reassuring guidance. James maintains a calm, empathetic, and transparent manner in his professional relationships and is committed to placing clients' interests first. Prior to his current role, James worked at Fidelity Investments as a Financial Representative from 2024 to 2025 and as a Relationship Manager from 2025 to 2026. He holds a California Insurance License.

Kevin Mounkes is a CFP® with 21 years of industry experience. He is currently with Wells Fargo Advisors and has previously worked within various Wells Fargo entities since 2012. Outside of his advisory role, he owns and operates a tax lien and tax deed real estate auction business. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that offers investment and financial planning services to individuals, trusts, and institutions. The firm provides a broad range of planning services tailored to clients who meet certain net-worth criteria, utilizing proprietary research and tools to develop personalized recommendations.

Heather Crawford is a financial advisor at Merrill with Series 63 and Series 66 designations and 31 years of industry experience. She has been with Merrill and Bank of America since 2009. 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 individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Tara Cavrikas is a financial advisor with Ameriprise, holding a Series 63 designation and 14 years of industry experience. She has held prior roles at Royal Alliance and LPL Financial before joining Ameriprise in 2018. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Gail Good is a Wealth Management Advisor with Merrill Lynch Wealth Management. In her role, she follows a disciplined wealth management process designed to provide a consistent and customized experience for her clients. She assists with wealth accumulation, preservation, and transfer by leveraging Merrill Lynch’s resources along with the banking solutions provided by Bank of America to develop strategies aligned with clients’ goals. Gail has been in the financial services industry since 1995 and joined Merrill Lynch Wealth Management through Banc of America Investments in 2003. She takes a holistic approach to financial planning by considering clients’ entire financial picture and values, helping to establish objectives and conducting regular reviews to adapt plans to life’s changing circumstances. Her expertise covers investments, retirement planning, life insurance, long-term care planning, liquidity management, and socially responsible investing. Gail holds a Master of Science degree in Personal Financial Planning from the College for Financial Planning and a Bachelor of Science degree in Business Administration with a concentration in Finance from California State University Sacramento. She is a CERTIFIED FINANCIAL PLANNER® professional and holds the Chartered Retirement Planning Counselor™ designation. Outside of work, Gail enjoys running marathons, biking, golfing, hiking, reading, yoga, and spending time with her family.

Scott Storer is a financial advisor with Merrill, holding a Series 66 designation and 24 years of industry experience. He has worked at Merrill Lynch since 2001 and at Bank of America, N.A. since 2011. 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 strategies developed by internal and third-party managers for a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Brady Brandt is a financial advisor with Ameriprise in Roseville, CA, holding a Series 66 designation and two years of industry experience. His prior work includes roles at OSAIC, AW Securities, Allworth Financial, Fidelity, and InterWest Insurance, as well as various positions during his time at California State University and CSU, Chico. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement income planning through written Recommendation Reports and ongoing advice. The firm’s approach involves analysis based on investment research, third-party data, and internal tools, with a structure that includes specific enrollment criteria and a defined investment universe.

John Lebeau is a financial advisor at Wells Fargo Clearing with 39 years of industry experience. He holds the Series 63 designation and has worked at Wells Fargo Advisors LLC and Wells Fargo Clearing since 2009. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and brokerage solutions. The firm manages approximately $671 billion in assets and uses research and analytics from its Investment Institute and third-party sources to guide investment decisions.

Philip Kong is a financial advisor with Cetera who holds Series 63 and Series 65 licenses and has 13 years of industry experience. His prior work includes positions at LPL Financial, Wells Fargo Clearing, and U.S. Bancorp Investments. He is also involved in a direct sales and multi-level marketing business. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of independent advisors. The firm offers a range of portfolio management, financial planning, and retirement services on a multi-manager platform with over $256 billion in assets under management.

Jonathan Benecke is a CFP® professional with seven years of industry experience. He is currently with Ameriprise and previously worked at Edward Jones and Mi-Jack Products Inc. He serves on the Board of Directors for the Northstate BIA Affiliate Council. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement, combining research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary recommendations through a centralized consulting team.

Paul Chavez is a financial advisor with Wells Fargo Advisors in Roseville, CA, holding Series 63 and Series 65 licenses and bringing 20 years of industry experience. He has worked within various Wells Fargo entities since 2011, including Wells Fargo Clearing and Wells Fargo Advisors LLC. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that serves individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services covering areas such as retirement, education, and special situations, using proprietary research and planning tools to develop tailored recommendations.

Chris Marovich is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 licenses and possessing 31 years of industry experience. He has been with Cambridge Investment Research Advisors since 2015 and also operates Retirement Design Group, where he has been active for over 19 years. In addition to his advisory role, he works as an independent insurance agent for various companies. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base that includes individuals, retirement plans, charitable organizations, and trusts. The firm offers a range of financial planning and investment management services through independent Financial Professionals, utilizing both proprietary and third-party model strategies and multiple custody platforms to tailor investment approaches to client goals.