Bobby Dalton Roy is a financial advisor with Primerica Advisors in Sacramento, CA, holding Series 63 and Series 65 licenses and 13 years of industry experience. He has been with Primerica Advisors since 2013 and has a background that includes over 20 years with the California Department of Education. Outside of advisory services, he is involved in the sale of home security and automation products through affiliated companies. Primerica Advisors offers discretionary asset management primarily through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed account options. The firm curates third-party asset managers and uses a tiered wrap fee structure, emphasizing ongoing oversight and disclosure to manage potential conflicts.

Hope Bennett Brown is a Series 66 licensed financial advisor with six years of industry experience. She has been with Merrill and Bank of America N.A. since 2021 and previously worked at Equitable Advisors and Axa Advisors. Before her financial services career, she held positions at Black Angus Steak House, Dutch Bros Coffee, and Butte College. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations. The firm employs various portfolio implementation approaches, including tactical asset allocation and tax-aware strategies, supported by Bank of America’s cash sweep and custody services.

Malonn Barnes serves as a Resident Director and Financial Advisor at Merrill, providing financial guidance to executives, business owners, medical professionals, and their families. In this role, Malonn helps clients navigate retirement planning, wealth management, exit planning, and legacy planning to make well-informed financial decisions aligned with their priorities. With a bachelor's degree from Troy University, Malonn holds several professional designations, including Accredited Wealth Management Advisor (AWMA), Chartered Retirement Planning Counselor (CRPC), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), Retirement Accredited Financial Advisor (RAFA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). These credentials support the comprehensive wealth management approaches Malonn employs. Malonn has been involved with the Capital Region United Way Foundation Board and has previously served on the United Way California Capital Region Foundation Board. Personal interests include basketball, golfing, and music.

Avedis Buyuker is a financial advisor with Equitable Advisors in Folsom, CA, holding Series 63 and Series 66 licenses and having six years of industry experience. His prior work includes roles at Axa Advisors and Sprint, as well as time spent at California State University. Equitable Advisors serves a range of clients including individuals, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and asset management through a network of Investment Adviser Representatives and third-party program sponsors. The firm offers various advisory models and ERISA fiduciary services without sponsoring its own wrap fee program, relying on third-party managers and affiliated asset managers for investment solutions.

Donald Rogers is a financial advisor at OSAIC with 17 years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at Lincoln Financial Advisors, Allstate Insurance Company, OneAmerica Securities, American United Life, and Lafayette Life Insurance. Rogers is also involved as a sales manager and agent offering fixed insurance products through Retirement Security Centers. OSAIC serves a diverse clientele including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services with an emphasis on asset allocation, risk tolerance, and diversified portfolios that may include stocks, bonds, options, mutual funds, ETFs, and alternative investments.

David Bains is a financial advisor with Robert W. Baird & Co. in Sacramento, CA, holding Series 63 and Series 66 credentials and bringing 14 years of industry experience. His previous roles include positions at Wells Fargo Clearing, JPMorgan Securities, and Wells Fargo Advisors. Outside of his advisory work, he is involved in breeding English Bulldogs and participates in a nonprofit focused on connecting caregivers with jobs. He is part of the DDK Group within Baird’s Private Wealth Management department, which serves a range of clients including individuals, corporate and business clients, pensions, profit-sharing plans, and charitable organizations. The firm offers services such as financial planning, discretionary and non-discretionary portfolio management, and utilizes a variety of separately managed account programs with ongoing manager selection supported by internal research and technology.

Durron Bell is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and eight years of industry experience. He has been with Wells Fargo Clearing Services LLC since 2017 and has a longer tenure at Wells Fargo Bank NA dating back to 2010. 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 incorporates modern portfolio theory, with a notable breadth of investment options that include insurance-related vehicles and bank deposit sweep programs.

Amy Carrillo is a financial advisor with LPL Financial in Sacramento, CA, holding a Series 66 designation and three years of industry experience. Her prior roles include positions at Citizens Private Wealth, JP Morgan Chase, First Republic Bank, and Wells Fargo, spanning from 2006 through the present. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services with a large network of investment adviser representatives and utilizes various investment strategies and technological tools to support client accounts.

Ruben Gonzalez is a financial advisor with Raymond James & Associates in Sacramento, CA, holding a Series 66 designation and five years of industry experience. His prior roles include positions at JPMorgan Securities LLC, Franklin Templeton, and State Street. 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 municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Benjamin Bolton is a financial advisor at Edward Jones in Fair Oaks, CA, holding CFP® and Series 66 credentials with 14 years of industry experience. He has worked at Edward Jones since 2011. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, managing approximately $1.01 trillion in assets. The firm offers a range of advisory programs and investment strategies, supported by a nationwide network of more than 23,700 financial advisors.

Joshua Dewitt is a financial advisor at Wells Fargo Clearing with 12 years of industry experience. He holds Series 63 and Series 65 designations and has been with Wells Fargo-related entities since 2010, including Wells Fargo Advisors LLC and Wells Fargo Bank NA. Outside of his advisory role, he serves as a co-trustee managing a family trust. 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 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.

Jack Wolger is a financial advisor at Edward Jones in Sacramento, CA, holding a Series 66 designation with three years of industry experience. His prior roles include positions at Berkeley Innovation Group and Bloom Energy. 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 advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Jessica Williams is a financial advisor at Morgan Stanley with 24 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2009 and holds the Series 66 designation. Outside of her advisory role, she is involved in managing rental properties in Sacramento, California, and Meridian, Idaho. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers tailored financial planning and manages approximately $2.74 trillion in client assets, using structured planning tools and a range of advisory programs.

Matthew Larsen is a financial advisor with Edward Jones in Sacramento, CA, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. He has been with Edward Jones since 2002. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a wide range of advisory programs and investment solutions, supported by a large network of approximately 23,701 financial advisors nationwide.

Therynn Winberry is a financial advisor at Equitable Advisors with one year of industry experience. He holds a Series 66 designation and has held various roles outside of financial advising, including employment with Instacart and positions in education and other industries. 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’s offerings include multiple advisory programs and access to third-party asset managers, with a focus on matching clients to appropriate investment models and discretionary managers.

Peter Wertz is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2014. He has been in the financial services industry for over 24 years, during which he has worked with clients and families to assist them in achieving their financial goals. He emphasizes wealth planning and maintaining lifelong relationships with clients. Peter's professional experience includes multiple roles within Fidelity Investments, progressing from Customer Service Associate in 2006 to his current role. Prior to joining Fidelity, he worked as a Personal Banker at Wells Fargo from 2000 to 2006. He holds a California Insurance License. Outside of his professional work, Peter enjoys outdoor activities such as biking, camping, hiking, kayaking, as well as sports including soccer and table tennis.

Hoa Phan is a financial advisor with Merrill in Sacramento, CA, holding a Series 66 designation and one year of experience at Merrill and Bank of America combined. Her prior experience includes six years at Square Direct Communication Group and involvement with the City Barbering & Cosmetology Apprenticeship Committee. 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.

Aaron Johnson is a Branch Leader at Fidelity Investments' Sacramento Investor Center, where he leads a team of Financial Consultants dedicated to co-creating personalized financial plans tailored to clients' unique needs. His focus is on assisting clients with their financial planning to facilitate a smooth transition into and through retirement. Aaron has extensive experience in the financial services industry, having held various roles including VP positions at Wells Fargo Advisors, where he was involved in affluent business management, financial advisor productivity consulting, and affluent segment leadership. His career in financial advising began at E*Trade Financial and has spanned over two decades. He holds a California Insurance License. Outside of his professional work, Aaron enjoys fitness activities such as golf, hiking, running, skiing, and traveling.

Erika Pandy is a Senior Financial Advisor with Merrill Lynch Wealth Management. In this role, she provides advisory and wealth management services to clients, including affluent families, professionals, business owners, and corporate executives. Erika’s practice focuses on areas such as divorce transition planning, retirement income, portfolio management services, and support for endowments, foundations, and defined benefit plans. Her professional and educational background supports her expertise in financial advising. Erika holds an MBA from Saint Joseph’s University and a Bachelor of Arts from LaSalle University. She has earned several professional designations, including Certified 401(k) Professional (CKP), Chartered Retirement Planning Counselor™ (CRPC), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). She is conversant in English and Italian. Outside of her professional responsibilities, Erika is engaged in community activities in Philadelphia. She is involved with organizations such as the Delaware Valley Youth Athletic Association and Saint Pio Catholic School. Her personal interests include spending time with her family, reading, and baseball.

Michael Baril is the Vice President Private Wealth Management Advisor. He provides strategic planning and consulting on complex wealth planning topics, focusing on helping clients integrate their workplace benefits with their personal financial goals to pursue financial wellness. He places importance on understanding his clients, their families, and all aspects of their lives. Michael has held various roles in the financial industry, including Vice President, Executive Planning Consultant at Fidelity Investments since 2018. He has previously worked as a Senior Wealth Advisor at Reilly Financial Advisors (2017-2018), Wealth Manager at USAA Wealth Management (2011-2016), Vice President, Wealth Advisor at J.P. Morgan Chase (2009-2011), Financial Advisor at Morgan Stanley (2008-2009), Vice President at Bear Stearns & Co. (2006-2007), Associate at J.P. Morgan (2003-2006), Financial Consultant at Merrill Lynch (2000-2002), Trader at Ameritrade (1999-2000), Financial Advisor at Equitable (1998-1999), and Trader at Fidelity Investments (1997). He holds a California Insurance License.