Todd Bruns is a financial advisor at Edward Jones with 29 years of industry experience. He holds Series 63 and Series 65 designations and has been with Edward Jones since 2003. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of discretionary and non-discretionary investment strategies, along with affiliated mutual funds and tax-efficient services, supporting clients under a fiduciary standard.

Benjamin Young is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 20 years of industry experience. Prior to joining LPL Financial in 2023, he worked at Securities America Advisors and Securities America, Inc. from 2009 to 2023. In addition to his advisory role, he is involved with Astute Wealth LLC, a tax preparation and accounting business. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad range of clients, including individuals, retirement plans, banks, and charitable organizations. The firm offers financial planning, advisory programs, and retirement plan consulting with both discretionary and non-discretionary management options, supported by research from LPL and third-party sources.

Maximilian Callaghan is a financial advisor with Edward Jones in Cameron Park, CA, holding Series 63 and Series 66 designations and possessing 32 years of industry experience. He has been with Edward D. Jones & Co., L.P. since 1993. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a broad range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and operates through a nationwide network of financial advisors and branch offices.

Katie Cronin is a Financial Consultant at Fidelity Investments, a position she has held since 2022. Prior to this role, she worked as an Investment Consultant at Fidelity Investments from 2021 to 2022, and she was an Internal Wholesaler at Franklin Templeton from 2012 to 2021. In her current role, Katie focuses on building trusted relationships with clients and their families, working to understand each client's unique financial situation and collaborating to develop customized financial plans that meet their needs. Katie holds a California Insurance License, which supports her work in providing comprehensive financial consultancy services. Outside of her professional duties, she has personal interests that include cooking and baking, gardening, parenthood, caring for pets, reading, and snowboarding.

Richard Ayala is a financial advisor at Wells Fargo Clearing with 31 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Wells Fargo Clearing since 2016, previously working at Wells Fargo Advisors LLC from 2011 to 2016. 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 incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Michael Blair is a CFP® and Series 66-registered advisor with Edward Jones in Granite Bay, CA, where he has worked since 2020. He has five years of industry experience and previously worked at the California Dental Association and Mann, Urrutia, Nelson, CPAs & Associates LLP. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, supported by a nationwide network of over 23,700 financial advisors and $1.01 trillion in assets under management.

Ronald Mammen is a CFP® with 52 years of industry experience, currently serving with Cetera since 2013. He is owner and president of Mammen Financial Services Inc., a corporation established in 2002. His background includes fixed insurance sales focused on life and annuities. Cetera Investment Advisers LLC is an SEC-registered firm that supports a nationwide network of independent advisors offering portfolio management, financial planning, and retirement services to individual, corporate, charitable, and institutional clients. The firm operates a multi-manager platform featuring a range of program options and third-party managers, managing over $256 billion in assets.

Andrew Fass is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. He has previously worked at Avantax and Hilltop Securities and has served as an arbitrator for FINRA since 2015. Fass is a member of the Board of Standards for the International Federation for Retirement Education and serves as chairman of the Insurance and Financial Services Committee for the Reserve Officers Association. Cetera Investment Advisers LLC is a nationwide SEC-registered adviser that serves individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers discretionary and non-discretionary portfolio management, financial planning, and access to a multi-manager platform with a variety of investment strategies and program options.

Kevin Martin is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 66 licenses and bringing 32 years of industry experience. He previously worked for Cantella & Co., Inc. for 28 years before joining Cambridge in 2022. Outside of his advisory role, he is involved with Alpine Wildfire Service, where he has been active since 1987. 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 comprehensive financial planning and investment management services through a broad network of independent professionals, utilizing both proprietary and third-party strategies tailored to client objectives.

Anthony Lombardi is a financial advisor at LPL Financial in Folsom, CA, holding a Series 66 designation with 12 years of industry experience. He has worked at LPL Financial since 2014 and has been involved with Golden 1 Credit Union since 2013, including a role with Golden 1 Investment Services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, banks, and charitable organizations, offering various advisory programs and financial planning services through a national network of investment adviser representatives.

Saxton Barrett is a financial advisor with LPL Financial in Sacramento, CA, holding Series 63 and Series 65 registrations and bringing 26 years of industry experience. He has been with LPL Financial since 2010. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a variety of advisory programs, financial planning, and brokerage services, utilizing model portfolios, third-party subadvisors, and technology-driven approaches.

Yoil Awabdeh is a financial advisor at Wells Fargo Clearing with 25 years of industry experience. He holds the Series 66 designation and previously worked at Morgan Stanley Private Bank, National Association from 2015 to 2019. Awabdeh has been with Wells Fargo Clearing since 2019, based in El Dorado Hills, CA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advice. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broad range of investment options such as insurance-related vehicles and bank deposit sweep programs.

Jay Rizk is a financial advisor with Ameriprise in El Dorado Hills, CA, holding Series 65 and Series 66 credentials and 14 years of industry experience. His prior roles include positions at Kestra Financial Services, Guild Mortgage Company, and Praxis Consulting. Outside of advisory work, he is a co-owner of RizkIt Images, a business focused on event and landscape photography and retail sales of photos. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, notable for its Premier Retirement Income service that provides written recommendation reports and ongoing annual retirement-income planning advice emphasizing dependable income sources and tax-aware withdrawal strategies.

Thomas Qvistgaard is a financial advisor with UBS Financial Services in Sacramento, CA, holding a Series 63 designation and 34 years of industry experience. He has been with UBS since 2004. Outside of his advisory role, he manages several residential rental properties in Boise, Idaho. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory services, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management, leveraging proprietary research and capital market insights to tailor client strategies.

Lo Oliveira da Silva is a Financial Consultant at Fidelity Investments, a position held since 2026. In this role, Lo focuses on helping clients understand their financial situations and collaborates with them to create plans aligned with their retirement goals. Lo has been with Fidelity Investments since 2022, progressing through roles including Financial Representative, Relationship Manager, and Investment Consultant. Lo holds a California Insurance License. Outside of work, Lo has interests in camping, food, spending time at the lake, parenthood, pets, and surfing.

Manraj Dhillon is a Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2022. In this position, he partners with clients to understand their financial goals and develops customized plans tailored to their unique needs. Prior to this, he worked as a Financial Advisor at Merrill Lynch from 2018 to 2022 and as a Relationship Manager at Bank of America from 2016 to 2018. His professional experience spans financial consulting, advisory, and relationship management roles in the financial services industry. Manraj holds a California Insurance License, supporting his expertise in financial planning and insurance products.

Kenneth Clevenger is a financial advisor with Wells Fargo Clearing and has 18 years of industry experience. He holds a Series 66 designation and previously worked at J.P. Morgan Securities LLC. Outside of his financial career, he owns a custom guitar and woodworking business. Wells Fargo Advisors is a national securities firm that provides investment advisory services and financial planning to individual, corporate, and institutional clients, combining research and analytics with both brokerage and advisory solutions.

Marcelo Gaytan is a Planning Consultant at Fidelity Investments, a role he has held since 2023. In this capacity, he collaborates with clients and their advisors to develop retirement plans tailored to individual goals and needs, emphasizing an understanding of clients' values and priorities to navigate financial markets through retirement. Prior to his current position, Marcelo served as a Relationship Manager at Fidelity Investments from 2022 to 2023, and as a Financial Services Representative at the same firm from 2021 to 2022. His experience also includes working as a Financial Solutions Advisor at Merrill Lynch from 2020 to 2021 and as a Personal Banker at Wells Fargo from 2016 to 2020. Marcelo holds a California Insurance License.

Jeremy Heath is a financial advisor with Ameriprise in El Dorado Hills, CA, holding a Series 66 credential and one year of industry experience. Prior to joining Ameriprise in 2024, he worked at Anytime Fitness Placerville for eight years. In addition to his advisory role, Heath performs bookkeeping and administrative tasks as an officer for Pecuniary Synergies, Inc. Ameriprise serves clients primarily through its retirement-income planning service, targeting individuals with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary retirement recommendations, supported by a centralized consulting team.

Robert Christiansen is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and over 25 years of industry experience. He has been with Cetera and its related entities since 2013. Christiansen is also involved in financial services through American River Wealth Management and owns RJC Financial Services, Inc. Cetera Investment Advisers LLC serves a wide range of clients including individuals, retirement plans, corporations, and institutions. The firm offers diversified portfolio management and financial planning services through a multi-manager platform, supporting various program structures and investment strategies.