Andrea Silva is a financial advisor with LPL Financial in Sacramento, CA, holding Series 65 and Series 63 licenses and 17 years of industry experience. She has been with LPL Financial since 2013 and previously operated Colverfield Photography for eight years. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, 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 both discretionary and non-discretionary management with access to model portfolios and research.

Colin Simpson is a financial advisor with Ameriprise in Roseville, CA, holding Series 63 and Series 65 credentials and 14 years of industry experience. He previously worked at Wells Fargo Clearing, Wells Fargo Advisors, LLC, and Wells Fargo Bank, NA, accumulating over a decade of experience across these firms. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement with significant investable assets, providing tailored recommendation reports that incorporate tax-smart withdrawal strategies, Social Security options, and income source analysis. The firm employs a centralized consulting team and combines research, modeling, and algorithmic tools to deliver customized retirement income plans.

Nicholas Alafranji is a financial advisor at J.P. Morgan Securities with 16 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities and Jpmorgan Chase Bank, N.A. since 2009, with additional experience managing two private businesses. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a team of Wealth Advisors. The firm combines institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

Patricia Estopinal is a financial advisor with Robert Baird & Co. in Roseville, CA, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. She has been with Robert Baird & Co. since 2012. Outside of her advisory role, she serves as Treasurer for the Girl Scouts Heart of Central California. She is part of The DDK Group within Robert W. Baird & Co.’s Private Wealth Management practice, which advises individuals, families, pension plans, corporations, and institutional clients. The group offers tailored financial planning and portfolio management services that utilize both in-house and third-party managers across a range of investment strategies.

Sean Murphy is a financial advisor at Ameriprise with 30 years of industry experience. He holds a Series 63 designation and has been with Ameriprise and its affiliated entities since 1994. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement who meet specific eligibility criteria, providing written Recommendation Reports addressing income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored retirement income recommendations, with a focus on assets held in Ameriprise Managed Accounts.

Hunter Lowry is a CFP®-designated financial advisor with eight years of industry experience, currently with Cetera in Roseville, CA. His prior experience includes roles at LPL Financial, NEXT Financial Group, and Waddell & Reed. Outside of his advisory work, he participates in team roping activities. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a multi-manager platform with a range of portfolio management options, including model portfolios, third-party managers, and bespoke strategies, managing over $256 billion in assets.

Brandon Bollengier is a financial advisor at Fidelity with one year of industry experience. He holds a Series 66 designation and previously worked at Intel Corporation. Outside of his advisory role, Brandon provides dog sitting services. Fidelity, through its Strategic Advisers LLC affiliate, offers investment management and advisory services to a diverse client base, utilizing a blend of proprietary research, quantitative analysis, and algorithmic portfolio construction across mutual funds, ETFs, and ETPs.

Marta Solis is a financial advisor at Fidelity Investments with five years of industry experience. She holds a Series 66 designation and has previously worked at Equitable Advisors LLC, JP Morgan Chase Bank, and Golden State Overnight. Outside of her advisory role, she operates Valensol Cafe, a small business selling coffee via curbside pickup in Sacramento. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction across diversified model portfolios.

Matthew Haughton is a financial advisor at Merrill with seven years of industry experience. He holds Series 63 and Series 66 licenses and has previous experience at Bank of America, Wells Fargo Clearing Services, and Wells Fargo Bank. 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 strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Colleen Langs is a financial advisor with Morgan Stanley in Roseville, CA, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. She has worked at Morgan Stanley Private Bank, National Association since 2015 and with Morgan Stanley Smith Barney since 2012. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a broad range of advisory programs and tailored financial planning services supported by structured planning tools and firm-approved methodologies.

Kathryn Christensen is a financial advisor with OSAIC in Roseville, CA, holding Series 63 and Series 65 licenses and 17 years of industry experience. She previously worked at Securities America Advisors and Securities America Inc from 2016 to 2024. Christensen also holds a California insurance license for health, accident, and annuities, although she does not currently sell insurance. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and investment advisory services, financial planning, and access to third-party money managers and wrap programs. The firm employs various asset-allocation tools and supports both discretionary and non-discretionary portfolio management across multiple investment types.

Dominic Kennedy is a financial advisor with Merrill in Sacramento, CA, holding a Series 66 designation and four years of industry experience. He has worked at Merrill since 2011 and at Bank of America since 2021. Outside of his advisory role, he is an officer and 10% shareholder of Case Hit Cardz Inc., an online marketplace for the resale of sports trading cards, where he serves as CFO and secretary. He is also a successor trustee for a family trust. 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, and institutions, with a focus on both strategic asset allocation and tax-aware approaches.

Steven Lease is a financial advisor with Morgan Stanley in Roseville, CA, holding a Series 66 designation and possessing 16 years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2010, including Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a variety of advisory programs to both individual and institutional clients. The firm’s financial planning emphasizes structured discovery and utilizes proprietary tools and modeling techniques, serving approximately $2.74 trillion in client assets.

Katherine Ducharme is a financial advisor at Edward Jones in Sacramento, CA, holding Series 63 and Series 66 licenses. She joined Edward Jones in 2026 and has prior experience at Vanguard Marketing Corporation and the U.S. Department of State, among other roles. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a wide range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and operates a large nationwide network of financial advisors and branch offices.

Michael Hastings is a financial advisor with LPL Financial, holding a Series 66 designation and 16 years of industry experience. He previously worked at Cetera Advisor Networks LLC for seven years and has been affiliated with Sacramento Credit Union for over two decades. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs and financial planning services, utilizing model portfolios, third-party research, and technology-driven strategies.

Juan Lara Turner is a financial professional with one year of industry experience, currently affiliated with Osaic Wealth, Inc. He holds a Series 66 designation and has previously worked at Retirement Security Centers and The Cheesecake Factory. In addition to his advisory role, he supports senior planners and assists with client meetings and administrative tasks at Retirement Security Centers. Osaic Wealth, Inc. serves a diverse range of retail and institutional clients through a large network of financial advisers. The firm offers integrated brokerage and advisory services, financial planning, retirement consulting, and access to various managed account platforms.

Douglas Behl is a financial advisor at LPL Financial with 42 years of industry experience. He holds the Series 63 designation and has been with LPL Financial since 2005. In addition to advising, he is involved in tax planning and preparation through a separate business activity. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a wide range of clients including individuals, retirement plans, institutions, and charitable organizations. The firm offers diverse advisory programs and financial planning services, utilizing both discretionary and non-discretionary management supported by proprietary and third-party research.

Christian Baldree is a financial advisor at OSAIC with 16 years of industry experience. He holds a Series 66 designation and has worked previously at Woodbury Financial Services and Questar Asset Management. Outside of his advisory role, Baldree serves as President of the Pacific Gold Aviation Association and sits on the board of trustees for the Roseville Theater Arts Academy, a nonprofit community theater organization. OSAIC serves a diverse client base, including retail and institutional investors, offering integrated brokerage and advisory services along with access to third-party money managers and unified managed accounts. The firm utilizes asset-allocation tools and automated rebalancing to construct portfolios across multiple asset classes on both discretionary and non-discretionary bases.

Bryce Pattison is a financial advisor at Wells Fargo Clearing with one year of industry experience. He holds a Series 66 designation and previously worked for Royal Petroleum Co. for 19 years. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Joyce Blonskij is a financial advisor with Cambridge Investment Research Advisors, holding a Series 63 designation and having 40 years of industry experience. She has been with Cambridge Investment Research Advisors since 2005 and with Cambridge Investment Research, Inc. since 2003. Outside of her advisory role, she is an author of the book "Own the Clouds" and works as a health coach with Optavia. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension plans, charitable organizations, and retirement-plan sponsors, offering financial planning, investment management, and retirement advisory services through a network of independent Financial Professionals. The firm provides multiple investment implementation options, including proprietary and third-party strategies, tailored to client objectives.