Sonny Carpenter is a Planning Consultant at Fidelity Investments, a position he has held since 2021. He has over 20 years of experience in the financial industry, focusing on helping clients create personalized retirement plans tailored to their specific situations. Prior to his current role, Sonny served as a Senior Relationship Manager at Fidelity Investments from 2016 to 2021 and as a Financial Representative at the same firm from 2010 to 2016. His earlier experience includes roles as a Stockbroker at Scottrade, Inc from 2008 to 2010 and at Etrade Financial from 2000 to 2008. Sonny holds a California Insurance License, which supports his advisory capabilities in the financial sector. Outside of his professional work, he has personal interests in fitness, golf, reading, and traveling.

Zeiry Barillas is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. She has worked at Merrill since 2019 and previously held roles at Wells Fargo, Target, and Sacramento State University. 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 strategies for a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Sara Evans is a financial advisor with J.P. Morgan Securities in Granite Bay, CA, holding Series 63 and Series 65 licenses and nine years of industry experience. Her work history includes roles at JPMorgan Chase Bank, First Republic Bank, UnionBanc Investment Services, MUFG Union Bank, and Wells Fargo. J.P. Morgan Securities LLC provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors, utilizing a process that combines quantitative asset-allocation modeling with centralized due diligence and an ESG framework. The firm offers non-discretionary advice through a selected group of Wealth Advisors.

Joanne Mcconiga is a financial advisor with Wells Fargo Clearing in Sacramento, CA, holding Series 63 and Series 65 credentials and 12 years of industry experience. She has been with Wells Fargo Clearing since 2016 and Wells Fargo Bank NA since 2012. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research and analytics from Wells Fargo Investment Institute.

Jeremy O Reilly is a financial advisor with J.P. Morgan Securities LLC, holding Series 63 and Series 66 credentials and bringing 15 years of industry experience. Prior to joining J.P. Morgan in 2017, he worked at E*TRADE Capital Management LLC, Harrisdirect LLC, and E*Trade Securities LLC. 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. The firm combines institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

Scott Hilbert is a financial advisor at Equitable Advisors with seven years of industry experience. He holds the Series 66 designation and has worked at Equitable Advisors since 2019, following a brief tenure at Axa Advisors. Outside of advising, he serves as Secretary/Treasurer for a local Business Networking International group and acts as an administrator or executor of an estate and trustee of a parental trust. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm’s advice is delivered through a network of representatives and includes a variety of investment programs and referrals to third-party asset managers.

Sean Langley is a financial advisor with Morgan Stanley in Sacramento, CA, holding Series 63 and Series 65 licenses and with 28 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients through a range of advisory programs, including customized financial planning and estate planning services. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and scenario modeling in its advisory process.

Justin Sebastian is a financial advisor with Merrill in Roseville, CA, holding a Series 66 designation and one year of industry experience. He previously worked at Bank of America from 2014 to 2025. Outside of his advisory role, he occasionally sells personal collectible items and clothing through online platforms. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

James Dugan Jr. is a financial advisor with Morgan Stanley in Folsom, California, holding Series 63 and 65 licenses and bringing 34 years of industry experience. He has worked with Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2010. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and provides services that include relationships with investment companies, private funds, and structured-product activities.

Christopher Ledell is a financial advisor at Merrill with 23 years of industry experience. He holds Series 63 and Series 65 designations and has worked at BlackRock Investments, LLC for 11 years before joining Merrill and Bank of America, N.A. in 2021. Outside of advising, he manages an LLC related to rental property holdings. 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, and institutional investors.

Rodney Bannister is a financial advisor at OSAIC with 39 years of industry experience. He holds a Series 63 designation and previously worked at Securities America Advisors, Inc. and Securities America, Inc. for 15 years. Outside of advisory work, he provides insurance products and assists clients with submitting death claims. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and charitable investors through a broad network of affiliated advisers. The firm offers integrated brokerage and advisory services, employing asset-allocation tools and third-party platforms to manage portfolios across a range of investment types.

Dave Winther is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2025. He has been with Fidelity Investments since 2016, progressing through roles including Financial Consultant, Investment Consultant, Relationship Manager, and Financial Representative. Dave works closely with clients to help them achieve their financial goals through a collaborative planning process that aligns investments with clients' unique values. He holds a California Insurance License, supporting his ability to provide comprehensive financial advice. Outside of his professional responsibilities, Dave enjoys comedy, cooking and baking, fitness, football, movies, and music.

Tyler Flanigan is a financial advisor at Wells Fargo Clearing with a Series 66 designation and two years of industry experience. His career includes positions at Wells Fargo Bank since 2013 and Charles Schwab from 2011 to 2013. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions supported by research and analytics from Wells Fargo Investment Institute.

Wilson Bean is a financial advisor with Wells Fargo Clearing in Roseville, CA, holding Series 63 and Series 65 credentials and 35 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously spent six years at Prudential Equity Group, LLC. Outside of finance, he serves as a mountain host at Sugar Bowl Ski Resort, assisting skiers during the winter season. Wells Fargo Advisors is a national securities firm offering investment advisory, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm employs research and analytics to guide investment decisions and provides a mix of discretionary and non-discretionary services for retirement plans.

Ariel Agustin is a Senior Financial Advisor with Merrill Lynch Wealth Management. In this role, Ariel provides personalized wealth management strategies tailored to clients' individual financial situations and goals. Leveraging the investment insights of Merrill and the banking services of Bank of America, Ariel helps clients navigate changing market conditions and pursue their financial objectives. With expertise in areas including executive compensation, retirement income, philanthropic planning, socially responsible investing, and tax minimization, Ariel offers comprehensive wealth management that begins with understanding the client's family and financial priorities. Ariel holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Ariel earned a bachelor's degree from the California State University System. Outside of work, Ariel’s personal interests include basketball, biking, genealogy, interior decorating, spending time with family, and traveling. Ariel’s approach is grounded in a philosophy of providing personalized support to help clients achieve their goals with clarity and confidence.

Olga Garton is a financial advisor with LPL Financial in Folsom, CA, holding Series 63 and Series 65 licenses and possessing 15 years of industry experience. Her prior roles include positions at Iron Point Advisors, Securities America, and Waddell and Reed. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a large network of investment adviser representatives.

Stuart White is a financial advisor at J.P. Morgan Securities with 16 years of industry experience. He previously worked at Wells Fargo Bank for 13 years before joining J.P. Morgan Securities and JPMorgan Chase Bank, N.A. He is also the owner of an online retail business. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

Jeremey Hill is a financial advisor at Cetera with 18 years of industry experience and holds Series 63 and Series 66 credentials. He has worked previously at firms including Allianz Life Insurance Company and LPL Financial. Outside of his advisory work, he serves as secretary of a homeowners association in Fair Oaks, California. Cetera Investment Advisers LLC is a large SEC-registered firm serving individual and institutional clients with portfolio management, financial planning, and retirement services. The firm offers a multi-manager platform allowing advisors to use affiliated and third-party model portfolios, with over $256 billion in assets under management and more than 10,000 advisors nationwide.

Dionne Terzoli is a financial advisor with LPL Financial based in Sacramento, CA, holding a Series 66 designation and 15 years of industry experience. Her prior roles include positions at Raymond James Financial Services and Golden1 Credit Union. Outside of advising, she has been involved with St. Anthony's Parish in Sacramento for the past decade. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, and institutions. The firm offers a range of services including financial planning, model portfolio programs, and institutional platforms, leveraging technology and a broad network of over 22,800 advisors.

Aritra Bera is a financial advisor at Edelman Financial Engines with a Series 65 designation and one year of industry experience. Prior to joining Edelman Financial Engines, he held positions at Catalyst Kids, Banker's Life, and Californians for All College Corps. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm employs a committee-driven modeling process combined with planner delivery and online tools, offering both discretionary and non-discretionary investment options.