Erik Truxal is a CFP®-designated financial advisor with 12 years of industry experience. He is currently with Cetera and has previously worked at Edward Jones and LPL Financial. He also operates Truxal Wealth Management. Cetera Investment Advisers LLC serves a nationwide network of independent advisors and offers a variety of portfolio management and financial planning services to individuals, retirement plans, corporate, charitable, and institutional clients.

Robert Clark is a financial advisor with Mass Mutual Investors Services in Roseville, CA, holding Series 63 and Series 65 credentials and 18 years of industry experience. He has previously worked at Eagle Strategies and New York Life Insurance Company. Outside of his advisory role, Clark serves as a board member for the Placer County Sheriff's Association and is involved with the Rylee Grace Foundation, a nonprofit supporting families of pediatric cancer. Mass Mutual Investors Services, a subsidiary of MassMutual, provides ongoing financial planning and asset management to individuals, business owners, trusts, and charitable organizations, using firm-approved software and collaborative annual planning engagements.

Gage Demers is a Wealth Management Advisor at Merrill Lynch Wealth Management. He works with individuals, families, and business owners to navigate important financial decisions by understanding their personal goals and creating tailored financial plans. His approach emphasizes clarity, coordination, and confidence throughout every stage of his clients' financial lives. Prior to his current role, Gage served in the U.S. Army. He holds a bachelor's degree from the University of Southern California and has earned the Chartered Financial Analyst (CFA) designation, as well as the CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC) credentials. His areas of focus include Divorce Transition Planning, Personal Retirement Planning, and Small Business Strategies. Outside of his professional life, Gage enjoys outdoor activities such as biking, camping, hiking, and skiing.

William Neubuerger is a Financial Advisor at Merrill Lynch Wealth Management. He applies his background and experience to provide clients with preparation and planning to position them effectively for their financial futures. He graduated from Creighton University with a Bachelor of Science in Quantitative and Qualitative Research Methods. William served as an Infantry officer in the U.S. Army, completing Ranger School and leading teams ranging from three to four hundred personnel. His military experience emphasized the importance of preparation, planning, and analysis, principles he now incorporates in his work as a financial advisor. William holds the Personal Investment Advisor (PIA) designation. He assists families in retirement planning and helps business owners work toward asset growth by offering steady guidance aligned with clients' goals.

Kayji Arai is a financial advisor with Robert W. Baird & Co. in Roseville, CA, holding a Series 66 designation and six years of industry experience. Prior to joining Baird in 2019, Arai worked at Mikuni Japanese Restaurant and Sushi Bar and attended the University of California, Davis. Outside of finance, Arai has experience working in hospitality at Mikuni Japanese Restaurant. Arai is part of The DDK Group within Robert W. Baird’s Private Wealth Management practice, which advises individuals, families, pensions, corporations, and institutional clients. The team offers tailored financial planning and portfolio management services, utilizing a range of investment strategies and both in-house and third-party managers.

Brandon Montalvo is a financial advisor with Morgan Stanley in Roseville, CA, holding a Series 66 designation and eight years of industry experience. His work history includes roles at Morgan Stanley Private Bank and Morgan Stanley since 2018, with prior experience in several part-time non-investment roles. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs, including tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers services that include financial planning, investment programs, and access to private funds and structured products.

Nashoba Bailey is a financial advisor at OSAIC with Series 63 and Series 65 credentials and four years of industry experience. Prior to joining OSAIC, Nashoba worked at Securities America Advisors and Securities America, Inc., and operated Hunter William Bailey DBA Wealth Strategies for six years. Nashoba is based in Citrus Heights, CA. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers a range of integrated brokerage and advisory services utilizing asset-allocation tools, risk-tolerance analysis, and access to third-party money managers.

Kyle Kelly is Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2016. He utilizes the resources available at Fidelity along with his understanding of clients' situations to provide financial guidance and advocacy. Kyle's professional experience includes serving as a Financial Advisor at Bank of America, Merrill Lynch from 2014 to 2016, and as a Brokerage Representative at Charles Schwab and Co. in 2014. He holds a California Insurance License. Outside of his professional work, Kyle has interests in baseball, beach activities, family activities, food, golf, and military service.

John Germany is a financial advisor at Wells Fargo Clearing with 25 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with Wells Fargo Clearing since 2016, following five 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 non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a range of investment options that include insurance-related vehicles and bank deposit sweep programs.

Jessica Van Dyke is a financial advisor with Ameriprise in Roseville, CA, holding a Series 66 designation and eight years of industry experience. She has worked at Ameriprise since 2017 and previously was employed at California State University, Sacramento. Outside of advising, she owns JVD Consulting, LLC, which manages her personal payroll and non-partnership business expenses. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning services that employ a collaborative, non-discretionary approach based on proprietary research and third-party data.

Jeong Kim is a financial advisor with LPL Financial and holds Series 63 and Series 65 credentials. He has 25 years of industry experience, having previously worked at Cetera, Cetera Advisor Networks LLC, Wells Fargo Clearing, and Wells Fargo Advisors LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a nationwide network of investment adviser representatives. The firm provides a range of advisory programs, financial planning, retirement plan consulting, and brokerage services supported by model portfolios, research, and advanced technologies.

Justin Souter is a financial advisor at Morgan Stanley with 22 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2022, following a decade at UBS Financial Services. He holds the Series 63 and Series 65 designations. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses a structured planning process supported by firm-approved tools and market simulations.

Joel Erickson is a financial advisor with Fidelity, holding a Series 66 designation and 16 years of industry experience. He has worked in various capacities within Fidelity since 2012, including roles at Fidelity Brokerage Services LLC, Fidelity Personal and Workplace Advisors, and most recently Fidelity Investments. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to a diverse client base, including retail and institutional investors. The firm employs a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction, and serves as an advisor to multiple registered investment companies and fund-of-funds.

Taylor Reed is a financial advisor at LPL Enterprise with 10 years of industry experience. He holds Series 63 and Series 65 designations. Prior to joining LPL Enterprise, Taylor worked at The Prudential Insurance Company of America and Pruco Securities LLC. 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 wealth portfolios and third-party asset management programs.

Kimberly Becker is a financial advisor with Fidelity, holding Series 63 and Series 66 designations and bringing 27 years of industry experience. She has been with Fidelity Investments in various capacities since 2010. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including charitable and registered investment companies, using a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction.

Devin Crandall is a financial advisor at Fidelity with Series 65 and Series 63 credentials and two years of industry experience. His prior roles include positions at Bankers Life and related entities, as well as experience as a professional stock trader and work with Jumpstart CPU. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a process that combines fundamental research with quantitative analysis and algorithmic portfolio construction. The firm is noted for its advisory role to registered investment companies, use of AI in research, and systematic model portfolio development.

Donald Mason is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds Series 63 and Series 66 licenses and has 14 years of industry experience. His prior affiliations include First Tech Federal Credit Union and Addison Avenue Investment Services. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a wide range of clients, including individuals, high-net-worth clients, corporations, and institutional investors. The firm offers non-discretionary advisory services tailored to client goals and supports municipal and public finance work through a unique affiliation with a municipal advisor.

Felipe Sanchez is a financial advisor with Wells Fargo Clearing in Stockton, CA, holding Series 63 and Series 65 licenses and bringing nine years of industry experience. He has worked with Wells Fargo Bank since 2013 and has been with Wells Fargo Clearing since 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advisory options grounded in modern portfolio theory. The firm’s services include investment policy statement preparation, investment recommendations, performance reporting, participant education, and plan benchmarking, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment menus.

Catherine Johnson is a financial advisor at Morgan Stanley with 32 years of industry experience. She holds a Series 63 designation and has worked at Morgan Stanley Private Bank, National Association, Morgan Stanley Smith Barney, and Citigroup Global Markets. Morgan Stanley Wealth Management serves individuals and institutional clients by offering a wide range of advisory programs, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process using firm-approved tools and modeling techniques.

Susan Knox is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 credentials and eight years of industry experience. Her prior firms include Wells Fargo Clearing Services, LPL Financial, and Northwestern Mutual Investment Services. Cambridge Investment Research Advisors is a large SEC-registered adviser serving a diverse client base including individuals, pension and profit-sharing plans, charitable organizations, trusts, and retirement-plan sponsors. The firm provides financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals, offering both proprietary and third-party portfolio strategies across various custody and platform arrangements.