James Kline is a financial advisor with LPL Financial in Citrus Heights, CA, holding Series 63 and Series 66 licenses and seven years of industry experience. His prior roles include positions at Citigroup and Citibank. 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 financial planning, advisory programs, retirement plan consulting, and brokerage services, with both discretionary and non-discretionary management supported by research and model portfolios.

Ashley Staley is the Vice President and Branch Leader at Fidelity Investments, a position she has held since 2022. In this role, she leads and supports a team of financial professionals dedicated to assisting Fidelity clients with complex and comprehensive financial planning. Ashley focuses on understanding client needs and supports her team accordingly. Her experience at Fidelity Investments spans multiple roles since 2012, including Assistant Branch Leader, Financial Consultant, Investment Consultant, Relationship Manager, and Financial Representative. Prior to joining Fidelity, she worked as a Banker at JP Morgan Chase Bank from 2009 to 2012. Ashley holds a California Insurance License.

Lara Kapanzhi Hampton is a financial advisor at Merrill with 18 years of industry experience and holds a Series 66 designation. She has worked at Merrill since 2009 and has been with Bank of America, N.A. since 2022. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Curtis Falk is a financial advisor at Morgan Stanley with 24 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a wide range of advisory programs to individual and institutional clients. The firm offers tailored financial planning supported by structured discovery processes and advanced modeling tools.

Mark Schumacher is a financial advisor at Edward Jones in Lincoln, CA, holding CFP®, ChFC®, and Series 66 designations with 17 years of industry experience. He has been with Edward Jones since 2008. Outside of his advisory work, he owns MVSA Investments LLC, a rental property business. 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, offering a range of advisory programs and affiliated investment products through a nationwide network of more than 23,700 advisors.

Steven Rutledge is a financial advisor with UBS Financial Services in Roseville, CA, holding Series 63 and Series 65 licenses and having 32 years of industry experience. He has been with UBS since 2003. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, employing proprietary capital market assumptions, model-based asset allocations, and research to tailor financial plans. The firm combines institutional trading capabilities with wealth management services and offers a broad range of capital markets and investment solutions.

Vanessa Richie is a financial advisor with Equitable Advisors in Folsom, CA, holding a Series 66 designation and one year of industry experience. Prior to joining Equitable Advisors, her background includes roles in education and community service. She volunteers in social media and photography for Radiant Church. Equitable Advisors serves a diverse client base including individuals, pension plans, corporations, and charitable organizations, offering financial planning, retirement consulting, and asset management through a network of Investment Adviser Representatives and third-party programs.

Marcella Lees is a financial advisor at LPL Financial with 35 years of industry experience. She holds Series 63 and Series 66 designations and previously worked at Ameriprise Financial Services for 13 years. 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 range of advisory programs, financial planning, and retirement consulting, utilizing model portfolios, third-party research, and a variety of investment strategies.

Casey Gunter is a financial advisor with Equitable Advisors, holding a Series 66 designation and four years of industry experience. Prior to joining Equitable Advisors in 2021, he worked at U-Haul and California State University. He volunteers as a football coach at University Preparatory School in Redding, CA. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients. The firm utilizes a range of advisory programs and works with third-party asset managers to deliver customized investment solutions.

Hayden Sabido is a financial advisor at Fidelity with six years of industry experience. He holds Series 63 and Series 66 designations and has worked at Fidelity Brokerage Services since 2020. His prior experience includes roles at New York Life Insurance, Pro Unlimited, and Franklin Templeton Investments. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and charitable funds. The firm employs a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction across a broad range of investment vehicles.

Alfred Hymans is a CFP® professional affiliated with OSAIC, with 24 years of experience in the financial services industry. His prior roles include positions at Securities America Advisors and Voya Financial Advisors. He is the president and CEO of Hymans & Associates, Inc., and serves on the boards of Nordahl Hall, a nonprofit organization, and the Sons of Norway International Foundation. Additionally, he provides pro bono financial coaching to widows through the Wings for Widows program. OSAIC serves a diverse client base including retail and institutional investors, offering integrated brokerage and advisory services, financial planning, and access to third-party money managers. The firm employs asset allocation tools and risk evaluation methodologies to construct customized portfolios across various investment types.

Johnathan Wilson is a CFP®-designated financial advisor with Stifel in Roseville, CA, bringing 27 years of industry experience. He has been with Stifel Nicolaus & Co. Inc since 2012. Outside of finance, he participates in commercials and movies as a member of the Screen Actor's Guild. Stifel serves a broad client base including individuals, institutional clients, and charitable organizations, providing brokerage and investment advisory services. The firm’s investment approach relies on proprietary models developed by its Investment Strategy Group to support asset allocation, retirement, and estate planning analyses.

Gay Marie Bone is a CFP® professional with 30 years of industry experience, currently serving at Wells Fargo Clearing since 2016. She previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Outside of her advisory role, she is a wellness consultant with DoTerra. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s investment approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Virginia Moye is a financial advisor with Robert W. Baird & Co. in Grass Valley, CA, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. She has been with Robert W. Baird & Co. since 2009. She is part of The DDK Group, a team within Robert W. Baird & Co.’s Private Wealth Management practice that serves individuals, families, pensions, corporations, and charitable organizations. The group offers tailored financial planning and portfolio management services, utilizing both in-house and third-party managers to implement strategies aligned with client goals and risk tolerances.

Patrick Mclaughlin is a financial advisor with Cetera, holding Series 63 and Series 65 designations and over 30 years of industry experience. He has worked with Cetera and its affiliated firms since 2004, including First Allied Advisory Services and First Allied Securities. Outside of his advisory role, he operates a tax preparation business. Cetera Investment Advisers LLC is a nationwide SEC-registered firm that serves individual, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with various portfolio management options and access to third-party money managers, managing over $256 billion in assets through more than 10,000 advisors.

Scott Feher is a financial advisor with LPL Financial in Folsom, CA, holding Series 63 and Series 65 credentials and possessing 33 years of industry experience. He worked previously at Cetera Advisors LLC from 2013 to 2019. His other business activities include operating Blue Sky Financial Management, Inc. and managing Scott Feher and Associates. LPL Financial is an SEC-registered adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, and charitable organizations. The firm offers various advisory programs, financial planning, and retirement consulting, utilizing model portfolios and research from LPL Research and third-party subadvisors.

Craig Barker is a financial advisor at Raymond James & Associates with 32 years of industry experience. He holds the CFP® designation along with Series 63 and Series 66 licenses. His prior experience includes 15 years at Stifel Nicolaus & Co Inc and 15 years with FINRA. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and public entities, offering financial planning, investment consulting, and institutional fiduciary solutions through a range of portfolio management styles and affiliated research.

James Scherer is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and possessing 28 years of industry experience. He has been with LPL Financial since 2005. 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 range of advisory programs, financial planning, retirement plan consulting, and brokerage services, utilizing discretionary and non-discretionary management supported by model portfolios and research from in-house and third-party sources.

Daniel Beaulieu is a financial advisor at Charles Schwab with Series 63 and Series 65 credentials and four years of industry experience. His prior work includes roles at Bank of America, Merrill, Equitable Advisors, and Huntington National Bank. Outside of financial services, he has worked as a personal trainer through Wild Active LLC and has driven for Uber Eats. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and employs multi-asset model portfolios supported by centralized custody and operational infrastructure.

Elizabeth Keyser is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 designations, and has 10 years of industry experience. Her prior roles include positions at Prudential Insurance Company of America, Pruco Securities, LLC, and Lincoln Financial Securities Corporation. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage channels. The firm offers financial planning, consulting, and access to model portfolios, with investment advice primarily delivered by investment adviser representatives using LPL’s research and third-party strategists.